Omaha Insurance Company Medicare Supplement 2025 – Plans & Rates

Compare affordable Medicare Plans

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

Are you searching for reliable and up-to-date information on Omaha Insurance Company’s Medicare Supplement 2025 plans? Look no further. This article dives into the heart of what Mutual of Omaha has to offer. It provides a brisk overview of essential benefits, anticipated rates, and the key distinctions between Plan G, High Deductible Plan F, and Plan N. No fluff, just straightforward facts to help you make an informed decision for the upcoming year.


Key Takeaways


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Discovering Your Medicare Supplement Options with Omaha Insurance Company for 2025

Discovering Your Medicare Supplement Options with Omaha Insurance Company for 2025


Medicare, despite being a lifeline for many, doesn’t cover all health-related expenses. For those seeking to bridge the gap between Medicare Parts A and B, Medicare supplement insurance, also known as Medigap, can be a viable solution.

Mutual of Omaha, a renowned Omaha Insurance Company, continues its legacy of providing robust Medicare supplement insurance policies in 2025. These policies cater to the 20% of health costs not covered by Original Medicare, alleviating beneficiaries from these burdensome costs. By paying premiums on time and avoiding any material misrepresentations, these policies ensure you have the coverage you need when you need it most.


Key Features of Plan G

One of the prominent Medicare supplement plans offered by Mutual of Omaha is Plan G. This plan, like other Medicare plans, includes:

  • Coverage of the Part A hospital deductible
  • Coverage of 20% of healthcare costs not covered by Original Medicare Parts A and B
  • 80% coverage of eligible medical expenses during the first 60 days of foreign travel after meeting the calendar year deductible, subject to a $ 50,000-lifetime maximum.

However, it’s important to note that Plan G does not cover the Medicare Part B calendar year deductible.


Advantages of High Deductible Plan F

If you were eligible for Medicare before January 1, 2020, you might have come across High Deductible Plan F. This plan stands out for its economic approach to healthcare coverage. Beneficiaries of High Deductible Plan F enjoy lower monthly premiums, making it an attractive option for those who are comfortable dealing with a higher annual deductible.


Insights into Plan N Coverage

Plan N is another valuable offering from Mutual of Omaha. This plan covers the Part A deductible and skilled nursing facility co-insurance, costs not fully covered by Original Medicare. Under Plan N, beneficiaries have a copayment of up to $20 for doctor visits and up to $50 for emergency room visits after the Part B deductible is met. However, it’s crucial to note that Mutual of Omaha’s Plan N does not cover Part B excess charges, which are fees doctors may charge over Medicare’s standard rate.


How to Choose the Right Mutual of Omaha Medicare Supplement Plan


How to Choose the Right Mutual of Omaha Medicare Supplement Plan


Making the right choice for a Medicare supplement plan requires a careful assessment of your personal needs. With Mutual of Omaha’s Medicare Supplement plans, you have the flexibility to see any doctor who accepts Medicare without the need for referrals. This gives you the freedom to prioritize your health without worrying about network restrictions.

But how do you choose the right plan? Let’s delve into the process.


Comparing Plans and Benefits

When comparing Medicare supplement plans, it’s crucial to look at the coverage they provide. Mutual of Omaha’s supplement plans are designed to cover the 20% of health costs not covered by Original Medicare. These plans offer:

  • Coverage for the 20% of health costs not covered by Original Medicare
  • A predictable structure as a monthly bill, helping you budget for out-of-pocket costs
  • The freedom to see any healthcare provider that accepts Medicare patients without the need for referrals

Having these benefits ensures that you’re not burdened with out-of-pocket costs and gives you the flexibility to choose your healthcare provider.

Moreover, most of these plans offer the following benefits:

  • Coverage for healthcare even when you’re traveling outside the country, including foreign travel emergency situations
  • 80% reimbursement of eligible expenses during the first 60 days of each trip
  • Up to a $ 50,000-lifetime maximum


Assessing Your Health Care Requirements

Assessing your personal healthcare requirements is a vital step in choosing a suitable Medicare supplement plan. This involves considering your current and potential future health conditions. If you have any pre-existing conditions, it’s important to ensure that the Medicare supplement plan you choose provides the necessary coverage when needed.


Understanding Cost Implications

Understanding the cost implications of a Medicare supplement plan is another key aspect of making an informed decision. Mutual of Omaha Medicare supplement policyholders typically pay monthly premiums, which can increase over time. However, the plan allows for seeing any doctor who accepts Medicare without requiring a referral and includes a steady monthly bill to facilitate budgeting for healthcare expenses.


Enrollment and Eligibility for Mutual of Omaha’s Medicare Supplements in 2025


Enrollment and Eligibility for Mutual of Omaha's Medicare Supplements in 2025


Ready to enroll in a Mutual of Omaha Medicare supplement plan? Before you proceed, it’s important to understand the enrollment process and eligibility requirements. To be eligible for these plans, you must be enrolled in both Medicare Part A and Part B.

Typically, eligibility for Mutual of Omaha’s Medicare supplement plans begins at age 65, aligning with the age of eligibility for Medicare.


Enrollment Periods and Deadlines

When it comes to enrolling in a Medicare supplement plan, timing is key. The initial enrollment period for a Medicare supplement plan with Mutual of Omaha is a six-month window starting the first month a person turns 65 and is enrolled in Medicare Part B. Mutual of Omaha allows policyholders to apply for coverage and potentially get same-day service, which could include processing of premium payments.


Eligibility Requirements

To be eligible for Medicare supplement insurance with Mutual of Omaha, you must be enrolled or planning to enroll in Original Medicare (Parts A and B). Additionally, applicants must reside in the state where the Mutual of Omaha policy is offered to qualify for their Medicare supplement plans. It’s important to note that some Mutual of Omaha Medicare supplement plans may require medical underwriting if the application is made outside of the initial enrollment period.


Maximizing Your Medicare Coverage with Additional Omaha Insurance Services


Maximizing Your Medicare Coverage with Additional Omaha Insurance Services


While a Medicare supplement plan can significantly enhance your Original Medicare coverage, you may want to consider additional services for even greater protection. Mutual of Omaha complements Original Medicare by offering additional services such as prescription drug plans and dental insurance.

These options not only provide more comprehensive coverage, including Medicaid services but also offer greater flexibility to cater to your individual healthcare needs, such as durable medical equipment.


Prescription Drug Plans

Medication costs can quickly add up, making prescription drug plans an important consideration. Mutual of Omaha offers Rx prescription drug plans available for individuals with Medicare Part A or Part B. These plans can help you save on medication costs with features such as:

  • A $0 deductible on Tier 1 drugs
  • Affordable copays for a 30-day supply of most commonly prescribed drugs
  • A convenient mail-order service through Express Scripts® Pharmacy

In 2025, updates to Medicare Part D, including a cap on out-of-pocket costs at $2,000 and increased payments to Medicare Advantage plans, aim to bolster the strength and stability of prescription coverage.


Dental Savings and Insurance Plans

Your oral health is an important part of your overall health. Recognizing this, Mutual of Omaha provides various dental insurance policies and dental savings plan options. These plans offer additional maximum benefit options, with amounts that can go up to $3,000 and $5,000 annually. Once approved, you can immediately use services, including cleanings, basic services, and major services, without any delay.



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Financial Considerations: Understanding Costs and Savings

Financial Considerations Understanding Costs and Savings


Beyond understanding the coverage and benefits of Medicare supplement plans, it’s crucial to consider the financial implications. Mutual of Omaha’s Medicare Supplement Plan G rates in 2025 are influenced by factors such as age, location, and tobacco use. The company clearly communicates any rate increases, enabling consumers to effectively budget for future healthcare costs.

Moreover, Mutual of Omaha offers a household discount of 12% on Medicare supplement premiums, which may vary based on the state of residency.


Estimating Your Monthly Premium

When it comes to budgeting for your Medicare supplement plan, understanding how to estimate your monthly premium is crucial. With Mutual of Omaha, the monthly premium for Medicare supplement Plan G can sometimes be around $500 less annually compared to Plan F. These estimates are crucial for planning your healthcare budget.


Analyzing Potential Savings

Analyzing potential savings is another key aspect of financial planning for your Medicare supplement plan. Factors like coinsurance can significantly impact your overall out-of-pocket expenses for healthcare services.

It’s also worth noting that with the trend of seniors using more healthcare services than previously expected, the premium costs for Medicare Advantage plans are likely to increase. This makes it compelling to consider supplemental options to mitigate these expenditures.


Payment Options Available

Understanding your payment options can simplify your healthcare budgeting process. Mutual of Omaha policies, including Medicare supplement plans, ensure non-cancellation as long as members pay their premiums on time.

Members can utilize Mutual of Omaha’s secure online portal for online bill payments, simplifying the process of account management and regular premium payments.


Staying Informed: Updates and Changes to Medicare Supplement Plans

Staying abreast of updates and changes to Medicare supplement plans is crucial for making the most of your Medicare coverage. In 2025, there have been several changes to Medicare that could potentially impact your Medicare supplement plan.

For instance, the Part B monthly premium has increased, and the coverage for telehealth appointments has been limited.


Recent Policy Changes

While there haven’t been specific recent policy changes affecting Medicare supplement plans with Mutual of Omaha in 2025, it’s essential to stay informed about any potential changes. The stability in policy changes suggests a stable operating environment for Mutual of Omaha’s Medicare supplement plans, leading to consistent coverage and expectations for beneficiaries.


Future Outlook for Medicare Supplements

Looking ahead, the future of Medicare supplements might see some changes. Technical updates to Medicare Advantage payment systems are designed to reflect individual costs more accurately, hinting at possible coordination and coverage changes that could influence Medicare supplement plans.

Moreover, the updated risk adjustment model being phased in by CMS in 2025 could alter the calculation of risk scores, impacting the landscape of Medicare supplement plans.


Tailoring Your Plan: Customization and Service Add-ons

One size doesn’t fit all, especially when it comes to healthcare. With Mutual of Omaha Medicare Supplement plans, you have the flexibility to tailor your plan with additional features or services for more comprehensive coverage. Some ways you can customize your plan include:

  • Enhancing your plan with vision and hearing benefits
  • Accessing efficient customer service
  • Adding prescription drug coverage
  • Choosing a higher deductible for lower premiums
  • Adding coverage for foreign travel emergencies

You can customize your plan to suit your individual needs.


Adding Extra Coverage

Adding extra coverage to your existing Medicare supplement plan can provide more comprehensive healthcare coverage. Mutual of Omaha offers optional vision benefits that cover services such as eye exams, glasses, and lenses. Additionally, the company provides hearing coverage options. Both vision and hearing plans can be purchased separately from the Medicare Supplement insurance.


Customer Service and Support

Good customer service can make your healthcare journey much smoother. Mutual of Omaha prides itself on its efficient processing of Medicare claims, paying out 99% of claims within 24 hours. This commitment to quick service reduces policyholder concerns about claim status.


Utilizing Resources and Tools for Medicare Plan Decision-Making

Navigating the world of Medicare can be complex, but with the right resources and tools, the decision-making process can be much easier. Mutual of Omaha offers a comprehensive set of educational materials, including tips, definitions, and frequently asked questions, to help customers understand Medicare.

These resources guide customers through understanding Medicare basics, the enrollment process, and provide clarity on common inquiries for better decision-making.


Online Quote Tools

Online tools can make the process of selecting a Medicare supplement plan much easier.

  • Request information or a personalized quote for Medicare Supplement Insurance
  • Enter their ZIP code into our online quote tool to receive personalized rates.

Using these online tools can simplify the process and help you find the right Medicare supplement plan for your needs.


Personal Consultation Services

Sometimes, there’s no substitute for a personal touch. We provide personal consultation services where friendly and knowledgeable agents can assist customers in understanding Medicare options and the application process. During the consultation, agents will discuss various Medicare supplement plans and their benefits and address customers’ questions.



Medicare supplement plans offer a way to bridge the gap between Original Medicare coverage and your actual healthcare needs. With Mutual of Omaha’s wide range of Medicare supplement plans, you can find a plan that fits your needs and budget. Whether you’re looking for comprehensive coverage with Plan G, a cost-effective solution with High Deductible Plan F, or a balance of cost and coverage with Plan N, Mutual of Omaha has you covered. Remember, choosing the right plan is about understanding your healthcare needs, comparing plans and benefits, and staying informed about updates and changes. Here’s to making informed decisions for better health!

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Frequently Asked Questions

Does Mutual of Omaha have a Medicare Supplement plan?

Yes, Mutual of Omaha offers Medicare supplement plans, which can be augmented with Prescription Drug and Dental plans for additional coverage. This insurance is obtained from private insurers and involves paying a monthly premium and potential copays.


How much is Mutual of Omaha Plan G 2024?

The monthly premium for Mutual of Omaha Plan G in 2024 is approximately $155.70 on average, but the actual rate can differ based on factors such as your age, location, gender, tobacco use, and eligibility for discounts.


Is United of Omaha Life Insurance Company legitimate?

Yes, United of Omaha Life Insurance Company is a legitimate company that has been accredited by the Better Business Bureau since 1940, with a strong financial position and statutory surplus of over 2.2 billion.


Who can benefit from High Deductible Plan F?

Individuals eligible for Medicare before January 1, 2020, can benefit from High Deductible Plan F, which provides lower monthly premiums in exchange for a higher annual deductible.


What additional services does Mutual of Omaha offer?

Mutual of Omaha offers additional services, including prescription drug plans and dental insurance, which can be added to Medicare supplement plans for more comprehensive coverage.

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 Omaha Insurance Company Medicare Supplement, 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.

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