Mutual of Omaha Plan G 2025 Rates

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Russell Noga
by Russell Noga | Updated March 8th, 2024

Are you planning your healthcare expenses for 2025 and need to know the latest rates for Mutual of Omaha Plan G? The Mutual of Omaha Plan G 2025 rates are crucial for those considering this Medicare supplement plan, known for its extensive coverage and predictability in out-of-pocket costs. In this article, we provide the up-to-date rates you’re looking for and delve into what affects these prices, compare them with other plans, and show you how to enroll.


Key Takeaways


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Understanding Mutual of Omaha Plan G

Understanding Mutual of Omaha Plan G


When it comes to Medicare Supplement Insurance Plans, Mutual of Omaha Plan G stands out for its extensive coverage. This plan is designed explicitly to fill the gaps in Original Medicare (Part A and Part B) coverage, offering beneficiaries a way to manage their healthcare costs more predictably. It includes coverage for skilled nursing facility care coinsurance, Part A deductible, and 80% of foreign travel emergency care (up to plan limits), making it one of the most comprehensive Medicare Supplement plans available.

Plan G is suitable for those seeking additional coverage beyond what Original Medicare Parts A and B provide. Its extensive coverage includes:

  • Part A hospital coinsurance and costs for an additional 365 days after Medicare benefits are exhausted
  • Part B coinsurance or copayment
  • Part A hospice care coinsurance or copayment
  • The first three pints of blood needed for a medical procedure

This makes it a popular choice for beneficiaries.


Key Features of Plan G

Plan G offers a wide array of benefits, including:

  • Full coverage for Part A coinsurance and hospital costs for an additional 365 days once Medicare benefits are exhausted
  • Coverage for Part B coinsurance or copayment
  • Coverage for Part A hospice care coinsurance or copayment
  • Full coverage for the first 3 pints of blood required for a medical procedure
  • Significant coverage for skilled nursing facility care coinsurance

To cater to retirees who love to travel, Plan G includes 80% coverage of approved costs for foreign travel emergency care. This ensures that policyholders receive financial support when accessing health services abroad. A considerable benefit of Plan G is that it alleviates the financial burden of the Medicare Part A deductible, enhancing its appeal.


Comparing Plan G to Other Plans

When comparing Plan G to other Medigap plans, it’s important to note that Plan G and Plan F are very similar in coverage. Both offer Part B excess charge coverage, which is not available in Plan C or D. However, Plan N presents itself as a cost-effective option, requiring copayments for certain office visits and emergency room visits, contrasting with Plan G’s comprehensive coverage.

Plans K and L cover a percentage of costs until an out-of-pocket limit is reached, after which full coverage is provided for the calendar year, excluding foreign travel emergency care. It’s also worth noting that Plans F and G have high annual deductible variants in some states, offering lower premiums with higher initial calendar year deductible costs before coverage starts. These variants can be considered as high deductible plan options.


Mutual of Omaha Plan G 2025 Rates


Mutual of Omaha Plan G 2025 Rates


The financial aspect of healthcare insurance is undeniably significant. Mutual of Omaha Plan G’s rates are not fixed and can range from $100 to $200 per month. These rates are influenced by various factors such as location, gender, and tobacco use.

Interestingly, Plan G rates can differ significantly between states with standardized plans and those that have unique Medigap policies like Wisconsin, Minnesota, and Massachusetts.


Factors Influencing Rates

Tobacco users may face a bitter pill when it comes to Medigap premiums. Smokers may face higher premiums for Medicare Supplement plans, including Mutual of Omaha’s Plan G, as smoking is considered a risk factor during medical underwriting.

Apart from tobacco use, other demographic factors also play a role in determining Medigap premiums. For instance, premiums for Mutual of Omaha Plan G are influenced by age, gender, and the insured’s location.


Rate Adjustments and Renewals

Understanding how rates are determined can help you make informed decisions about your healthcare insurance. Medicare Supplement insurance rates, including those for Mutual of Omaha Plan G, are determined using one of three pricing models: community-rate, age-attained, or issue-age pricing.

Rates can be adjusted annually due to various factors including age, inflation, and the increasing cost of covering claim expenses. Interestingly, Plan G premiums typically increase at a lower rate annually compared to other plans, with some carriers showing increases of 3% or less in recent years.


How to Enroll in Mutual of Omaha Plan G


How to Enroll in Mutual of Omaha Plan G


Ready to enroll in Mutual of Omaha Plan G? The company offers an efficient online application process. To enroll, an individual can get a quote and choose a plan. Individuals can also see personalized rates for Plan G by providing their ZIP code, as policies vary by state.

If you prefer personal assistance, knowledgeable agents are ready to help navigate Medicare options and find suitable Plan G coverage.


Eligibility Requirements

To be eligible for Mutual of Omaha Plan G, there are certain requirements to be met. An individual must be enrolled or planning to enroll in Original Medicare (Parts A and B). It’s also advisable to enroll during the Initial Enrollment Period to avoid late enrollment penalties and ensure coverage cannot be denied for pre-existing conditions.

Applicants for Mutual of Omaha Plan G must desire the convenience of seeing any doctor who accepts Medicare without the need for referrals. The plan is also suitable for individuals who prefer predictable monthly bills over potentially high out-of-pocket expenses for unexpected medical services.


Enrollment Periods

Understanding the enrollment periods for Plan G can help you plan ahead. The Initial Enrollment Period for Medicare, which includes Plan G, starts three months before turning 65 and extends three months after the birthday month, totaling seven months. If you miss this period, there’s still the General Enrollment Period, which is from January 1 to March 31 each year.

Special Enrollment Periods may also exist for changing residence or losing current coverage outside of the usual enrollment periods. And let’s not forget the Annual Enrollment Period, from October 15 to December 7, during which individuals can enroll or alter their Plan G coverage.



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Additional Benefits and Services from Mutual of Omaha

Additional Benefits and Services from Mutual of Omaha


Beyond the standard coverage, Mutual of Omaha, a reputable Omaha insurance company, offers additional benefits and services to its policyholders. One such benefit is the Mutually Well program, designed to support policyholder’s health and wellness through tailored fitness and wellness programs.

This program offers up to 30% discounts on healthy living products and services, available from a network of over 20,000 health and well-being specialists.


Dental Insurance and Savings Plans

Oral health is an integral part of overall health. Recognizing this, Mutual of Omaha provides dental insurance and dental savings plans designed to cover essential dental services for individuals and seniors. Some of the services covered under these policies include:

  • Cleanings
  • Oral exams
  • Fillings
  • Extractions
  • Crowns
  • Dentures
  • Implants

These policies aim to ensure that individuals and seniors have access to the necessary dental care they need.

With Mutual of Omaha’s dental savings plan, members can visit any dental provider and receive discounts on services when using dentists within the preferred provider network. With such offerings, you can smile with confidence, knowing your oral health is well-covered.


Customer Support and Agent Assistance

Customer support is a crucial aspect of any service. Mutual of Omaha’s Customer Access portal allows policyholders to:

  • Manage their policies
  • Process payments
  • Update personal and billing info
  • Request duplicate documents

This online platform is user-friendly and offers online account troubleshooting to assist users with any issues.

For those who prefer a more personal touch, Mutual of Omaha also provides a 24/7 automated phone system to perform various tasks, such as making payments, requesting a duplicate Medicare Supplement ID card, and obtaining policy details. All these features contribute to high consumer favorability.


Tips for Choosing the Right Medicare Supplement Plan


Additional Benefits and Services from Mutual of Omaha


Choosing the right Medicare Supplement plan involves careful consideration of various Medicare supplements. It’s essential to evaluate:

  • your current health conditions
  • your anticipated healthcare needs
  • your budget for premiums and out-of-pocket expenses
  • your preference for choosing your own doctors and hospitals

when considering different Medigap plans.


Assessing Personal Healthcare Needs

When it comes to health care insurance, personal needs play a pivotal role. Assessing personal health care needs, including the necessity for durable medical equipment, is crucial for those who prefer the certainty of predictable monthly bills over the risk of incurring significant out-of-pocket medical expenses or dealing with costs incurred due to unforeseen health issues and having to pay for them.

By understanding your healthcare needs, you can choose a plan that best aligns with them.


Comparing Costs and Coverage

Comparing costs and coverage is a vital step in choosing the right Medigap plan. When comparing Mutual of Omaha Plan G, it’s essential to consider the monthly premium rates and check for their fit within your budget. You should also consider the history of policy premium increases to evaluate the plan’s long-term affordability.

For out-of-pocket costs, using in-network dentists through Mutual of Omaha dental insurance can lead to reduced expenses. Estimating medical expenses, including deductibles and copays, and subtracting premium costs can clarify if a plan aligns financially with your needs.



Choosing the right Medicare Supplement insurance plan can be a daunting task. But with the comprehensive coverage and additional benefits provided by Mutual of Omaha Plan G, you can manage your healthcare costs more predictably. With its extensive coverage, personalized rates, and customer-friendly services, Plan G could potentially be your ideal healthcare partner.

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Frequently Asked Questions

What is the disadvantage of Plan G?

The disadvantage of Plan G is that it doesn’t cover the Part B deductible and only covers 80% of medical care costs outside the US. Additionally, it doesn’t cover prescription drugs, long-term care, or vision and dental needs.


Do Plan G premiums increase with age?

Yes, Medicare Supplement Insurance premiums, including Plan G, tend to increase with age due to factors such as inflation and higher healthcare utilization.


How much does Plan G cost a month?

The average cost of Medigap Plan G is around $148 per month, and it provides comprehensive coverage for most medical costs, excluding the Part B deductible. It can be a worthwhile option for many individuals.


How much is Plan G from Mutual of Omaha?

The national average monthly premium for Mutual of Omaha Plan G is $155.70. Keep in mind that the actual cost may vary based on individual factors such as age, location, and discounts.


What is Mutual of Omaha Plan G?

Mutual of Omaha Plan G is a Medicare Supplement insurance plan that provides comprehensive coverage to fill the gaps in Original Medicare, including Part A and B coinsurance, skilled nursing facility care, and foreign travel emergency care.

Speak to the Professionals about Medigap Plans and Original Medicare

If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about the Mutual of Omaha Plan G, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.

We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.

Medicare Supplement Plan G Rates