Mutual of Omaha Medicare Supplement Review

Fact Checked
Contributing reviewed by: Kelly Blackwell, Certified Senior Advisor®
Updated: October 10, 2021

Find out whether Mutual of Omaha Medicare Supplement Insurance is a good fit for you.



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Kelly Blackwell
Certified Senior Advisor (CSA)®
Kelly Blackwell
Certified Senior Advisor (CSA)®

Kelly Blackwell is a Certified Senior Advisor (CSA)®. She has been a healthcare professional for over 30 years, with experience working as a bedside nurse and as a Clinical Manager. She has a passion for educating, assisting and advising seniors throughout the healthcare process.

QuickMutual of Omaha Medicare Supplement Insuranceplans review: Mutual of Omaha offers multiple Medicare Supplement plans with primarily positive reviews, but the plans come with limited enrollment periods.

Founded in 1909, insurer Mutual of Omaha has administered Medicare health plans since Medicare began in 1966. This well-established company maintained strong financial operating results in 2020.

Mutual of Omaha offers ten different plans in 47 states with a reputation for excellent service and various policies. Costs are comparable to or higher than those of competitors. The following overview can help you choose the best Mutual of Omaha Medicare Supplement Insurance plan for your needs.

Pros and Cons of Mutual of Omaha’s Medicare Supplement Insurance Plans

What we like about Mutual of Omaha’s Medicare Supplement Insurance plans: The drawbacks of Mutual of Omaha’s Medicare Supplement Insurance plans:
  • Available in 47 states
  • Easy, free online quotes
  • Foreign travel coverage
  • Discounts on hearing tests, vision services, and a Mutually Well program
  • Limited enrollment periods
  • Can be costly

What Do Mutual of Omaha’s Medicare Supplement Insurance Plans Cover?

Like most Medicare Supplement Insurance plans, Mutual of Omaha Medicare Supplement Insurance plans can help cover Original Medicare Part A and B deductibles, copays, coinsurance, and some other out-of-pocket costs that Original Medicare doesn’t. Also called Medigap, these plans let you pay a predictable monthly premium to avoid unexpected, large out-of-pocket medical bills.

Mutual of Omaha Medicare Supplement plans can’t cancel your policy as long as you pay your premium on time, and your benefits will always stay the same. Depending on which type of policy you have, your monthly premiums may increase each year due to age or inflation.

Mutual of Omaha Medicare Supplement Insurance Plan Options

Mutual of Omaha carries various F, G, and N Medicare Supplement Insurance plans, but Plan F is not available to Medicare beneficiaries who became eligible on or after January 1, 2020.

These policies let you receive services from any doctor, specialist, or hospital that accepts Medicare anywhere in the country. The plans also help cover medically necessary emergency care services outside of the United States. Typically, you won’t need to obtain a referral for any medical services.

Some policies come with no or a low annual deductible. There are also high-deductible plans that have lower monthly premiums. Doctor’s visits cost up to $20, and emergency room visits cost up to $50 with Plan N. Depending on the plan you select, monthly premiums can fall between $120 and $372, and you may need to spend a maximum of $2,370 in annual out-of-pocket costs for Medicare-covered services.

Compare your Mutual of Omaha’s Medicare Supplement Insurance plan options:

Plan name Monthly premium Annual deductible Office visits Emergency room
Plan F $372.51 $0 $0 copay, $20% coinsurance $0
High Deductible Plan F $140.79 $2,000 $0 copay, $20% coinsurance $0
Plan G $295.24 $203 Part B $0 copay, $20% coinsurance $0
Plan N $202.32 $203 Part B Up to $20 copay, 20% coinsurance Up to $50

*Based on pricing for a 70-year-old male in Miami, FL (ZIP code 33133)

Mutual of Omaha Medicare Supplement Insurance Plans Reviews and Ratings

Mutual of Omaha has received mostly positive reviews on its Medicare Supplement plans. Customers appreciate its stability and accessibility throughout the country. Some reviewers give the company mixed marks on its service and pricing.

The Better Business Bureau has given Mutual of Omaha an A+ rating, although the BBB hasn’t accredited the company. More than 100 complaints have been closed in the last three years.

Mutual of Omaha has a 4.1 out of 5 stars rating on ConsumerAffairs, based on more than 400 ratings in the last year. Positive comments highlight the company’s consistent claims payments, excellent customer service, and a broad network of providers.

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