Mutual of Omaha Medicare Supplement Review: F, G and N Plans
Mutual of Omaha Insurance Company offers Medicare Supplement insurance in most states. Popular Medigap policies include Plans F, G, N, and high-deductible plans. Company reviews are positive overall, but some customers complain about rate increases.
Key Features of Mutual of Omaha Medicare Supplement Plans
- Reduces out-of-pocket costs to make health care more affordable
- Eliminates or minimizes deductibles, coinsurance, and copayments
- Coverage is offered in most states (however, not all ten standardized Medigap plans are offered in every state)
- Vision discounts (EyeMed)
- Hearing discounts (Amplifon)
- Discounts for wellness (Mutually Well)
Mutual of Omaha Pros & Cons
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Pros: Positive Reviews
BBB gave Mutual of Omaha an A+ rating.
An overall customer 4.5-star rating, with high marks in confidence and satisfaction.
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Financial Strength and Stability: Mutual of Omaha has been in operation since 1909 and consistently receives high ratings for financial stability, ensuring reliability for policyholders.
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Comprehensive Plan Options: The company offers a variety of Medigap plans, including Plans A, F, G, and N, allowing beneficiaries to select coverage that best fits their needs.
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Additional Benefits: Policyholders have access to extra perks such as vision discounts through EyeMed and the Mutually Well fitness program, enhancing overall value.
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Customer Service: Mutual of Omaha is recognized for its strong customer support, providing timely and efficient claims processing.
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Cons: Higher Rates
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Premium Costs: Some plans may have higher premiums compared to other providers, which could be a consideration for cost-sensitive individuals.
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Plan Availability: Not all Medigap plans are available in every state, potentially limiting options for some beneficiaries.
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Premium Increases: Policyholders may experience premium hikes over time, which is common in the industry but worth noting.
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Superior Ratings
Forbes ranked the Mutual of Omaha Group in the Top 5 Medicare Supplement Companies for 2024.
AM Best confirmed their financial strength and long-term issue credit as superior.
This speaks well of Mutual of Omaha Group’s creditworthiness, stability, strong operating performance, and leading market position in Medicare Supplement products.
Coverage and Plan Benefit Features
Mutual of Omaha Insurance Company cites Plans F, G, and N as their most popular Medigap supplemental health care insurance plans. These plans offer considerably more benefits than the most basic Medigap policy (Plan A).
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Medicare Plan F
Medicare Supplement Plan F was the most popular plan for new Medicare recipients until January 1, 2020, when federal legislation ended Plan F and Plan C for newly eligible beneficiaries. However, if you were eligible for Medicare coverage before the phase-out date, you could still purchase one of these plans if available in your state.
Plan F coverage includes:
- Complete coverage of approved hospital costs up to 365 days after you exhaust your Medicare Part A benefits through Original Medicare (including coinsurance)
- Medicare Part B copays and Part B coinsurance (includes doctor visits)
- First three pints of blood (not covered by Original Medicare)
- Medicare Part A hospice copays and coinsurance
- Skilled nursing facility coinsurance
- Medicare Part A deductible and Part B deductible
- Part B excess charges
- Foreign travel emergency care (80% of covered out-of-pocket costs up to the plan limit)
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Medicare Plan G
Medigap Plan G is a Medicare Supplement Insurance plan designed to help cover the gaps left by Original Medicare (Parts A & B). These gaps include deductibles, copayments, and coinsurance costs.
Unlike Medicare Advantage plans, which function as an alternative to Original Medicare, Plan G works alongside Medicare to reduce your healthcare expenses.
Key Benefits of Medigap Plan G
1. Comprehensive Coverage
Plan G covers almost all out-of-pocket costs under Original Medicare, except for the Part B deductible ($257 in 2025). Once you meet this deductible, you’ll pay nothing for covered Medicare services – no copays, no coinsurance.
2. No Network Restrictions – Nationwide Coverage
Unlike Medicare Advantage plans, which have network limitations, Plan G allows you to visit any doctor or hospital that accepts Medicare – no referrals needed.
This flexibility is particularly beneficial for those who travel frequently or want access to top-rated hospitals and specialists.
3. Predictable Healthcare Costs
With Plan G, you can budget with confidence. Once you meet the annual Part B deductible, you won’t have to worry about unexpected medical bills.
This predictability is a major advantage over Medicare Advantage plans, which often include copays, coinsurance, and out-of-pocket maximums that can add up.
4. Lower Out-of-Pocket Expenses for Hospital Stays
Medicare Part A has a $1,667 hospital deductible per benefit period (2025). Plan G completely covers this cost, meaning you won’t pay anything for inpatient hospital stays. It also covers skilled nursing facility coinsurance and foreign travel emergency care.
5. Peace of Mind with No Annual Plan Changes
Medigap Plan G remains consistent, unlike Medicare Advantage plans that can change benefits, networks, and costs every year. Your coverage stays the same year after year, ensuring no surprises in your healthcare benefits.
6. Guaranteed Renewable Coverage
Once enrolled, your Plan G coverage can never be canceled as long as you continue paying your premiums. This guarantees long-term protection against rising healthcare costs.
7. Foreign Travel Emergency Coverage
Medigap Plan G provides 80% coverage for emergency medical care outside the U.S. (after a $250 deductible), up to a lifetime limit of $50,000. This is a valuable benefit for retirees who travel abroad.
Is Medigap Plan G Right for You?
- Plan G is ideal for Medicare beneficiaries who:
Want broad coverage with minimal out-of-pocket costs. - Prefer the freedom to see any doctor or specialist without referrals.
- Want predictable expenses rather than surprise medical bills.
- Plan to travel and need nationwide or international coverage.
If you’re looking for a plan that helps minimize medical expenses while allowing you to choose your healthcare providers, Plan G is an excellent choice.
- Plan G is ideal for Medicare beneficiaries who:
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Medicare Plan N
Medigap Plan N is a Medicare Supplement Insurance plan that helps fill the gaps in Original Medicare (Parts A & B).
It provides solid coverage while offering lower premiums in exchange for some cost-sharing, such as copays for doctor and emergency room visits.
Key Benefits of Medigap Plan N
1. Lower Monthly Premiums Than Plan G
One of the biggest advantages of Plan N is its lower monthly premium compared to Plan G.
Because it includes some cost-sharing, Plan N often costs $20–$40 less per month than Plan G, depending on your location and carrier.
2. Comprehensive Coverage for Hospital Costs
Plan N completely covers all Medicare Part A-related costs, including:
- The $1,667 hospital deductible
- Hospital coinsurance for stays beyond 60 days
- 100% of skilled nursing facility coinsurance
- Hospice care
This ensures zero out-of-pocket costs for hospital stays, just like Plan G.
3. No Excess Charges in Some States
Medicare excess charges occur when doctors charge more than Medicare’s approved amount. Plan N does not cover these charges, while Plan G does.
However, excess charges are not allowed in states like Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, and Vermont.
If you live in one of these states – or if you only see doctors who accept Medicare’s rates – Plan N can be a great way to save money.
4. Freedom to See Any Medicare-Approved Doctor
Just like Plan G, Plan N allows you to visit any doctor or specialist in the U.S. who accepts Medicare, with no network restrictions or referrals needed.
This is a major advantage over Medicare Advantage plans, which often have network limitations.
5. Predictable Costs with Small Copays
Plan N does require some out-of-pocket costs, including:
- Up to $20 copay for doctor visits
- Up to $50 copay for emergency room visits (waived if admitted)
- Part B deductible ($257 in 2025)
- No coverage for Part B excess charges
If you don’t visit the doctor frequently, Plan N may be a better value than Plan G due to its lower monthly premium.
6. Guaranteed Renewable
Just like Plan G, Medigap Plan N is guaranteed renewable, meaning your plan can never be canceled as long as you pay your premiums.
Medigap Plan G vs. Plan N: Key Differences
Feature Plan G Plan N Part A Deductible Covered Covered Part B Deductible Not covered Not covered Doctor Copays $0 Up to $20 ER Copays $0 Up to $50 Excess Charges Covered Yes No Nationwide Coverage Yes Yes Foreign Travel Emergency Coverage Yes Yes Premium Cost Higher Lower Which Plan Is Best for You?
Choose Plan G if:
You want the most comprehensive coverage and don’t want to worry about doctor visit copays or excess charges.- You see specialists or out-of-state doctors who may charge Medicare excess charges.
- You prefer a plan with no surprise costs, even if the monthly premium is higher.
- Choose Plan N if:
You want to save on monthly premiums and don’t mind occasional small copays. - You rarely visit the doctor and don’t expect to pay excess charges.
- You live in a state where Medicare excess charges aren’t allowed, making Plan N an even better value.
Both Medigap Plan G and Plan N offer excellent coverage and peace of mind. If you prefer predictable costs and full coverage, Plan G is the best choice.
If you want to save on premiums and don’t mind minor cost-sharing, Plan N is a cost-effective alternative.
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Medicare Plan A
Medigap Plan A is the most basic Medicare Supplement plan available.
While it doesn’t cover as many expenses as other Medigap plans, it still pays for key gaps in Original Medicare to help reduce out-of-pocket costs.
What Does Medigap Plan A Cover?
Medigap Plan A provides four core benefits:
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Medicare Part A Coinsurance & Hospital Costs (after the Medicare deductible) – Covers 100% of hospital coinsurance and up to 365 extra days in the hospital after Medicare benefits are exhausted.
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Medicare Part B Coinsurance & Copayments – Covers 20% of outpatient medical expenses, including doctor visits, lab tests, outpatient surgery, and preventive care.
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Blood (First 3 Pints) – Covers the cost of the first 3 pints of blood each year if needed.
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Hospice Care Coinsurance & Copayments – Covers all Medicare-approved hospice costs, ensuring no out-of-pocket expenses for end-of-life care.
What Medigap Plan A Does NOT Cover
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Medicare Part A Deductible ($1,667 in 2025)
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Medicare Part B Deductible ($257 in 2025)
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Skilled Nursing Facility Coinsurance
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Part B Excess Charges (extra fees some doctors charge above Medicare-approved rates)
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Foreign Travel Emergency Coverage
This means Plan A has more out-of-pocket costs compared to Plans G, N, and F.
How Does Medigap Plan A Compare to Other Medigap Plans?
Benefit Plan A Plan G Plan N Plan F High-Deductible Plan G Part A Coinsurance & Hospital Costs Yes Yes Yes Yes Yes Part B Coinsurance Yes Yes Yes (except small copays) Yes Yes (after deductible) Blood (First 3 Pints) Yes Yes Yes Yes Yes Hospice Care Coinsurance Yes Yes Yes Yes Yes Part A Deductible No Yes Yes Yes No (until deductible met) Skilled Nursing Facility Coinsurance No Yes Yes Yes No (until deductible met) Part B Deductible No No No Yes (Only for those eligible before 2020) No (until deductible met) Part B Excess Charges No Yes No Yes Yes (after deductible) Foreign Travel Emergency Coverage No Yes Yes Yes Yes (after deductible) Monthly Premium Cost Lowest Higher Medium Highest Lowest Out-of-Pocket Costs Highest Lowest Medium Lowest High (until $2,870 deductible met) Who Should Consider Medigap Plan A?
Medigap Plan A is best suited for:
- People on a strict budget – It has lower monthly premiums than more comprehensive plans.
- Individuals who don’t expect frequent hospital stays – Since it doesn’t cover the Part A deductible, those with few hospital visits may not need extra coverage.
- People who live in Massachusetts, Minnesota, or Wisconsin – These states have state-specific Medigap plans, so Plan A may be a required starting point for coverage.
- Those who don’t mind paying the Part A deductible out-of-pocket – If you can cover the $1,667 deductible, Plan A could be a good low-cost alternative.
Who Should Avoid Plan A?
- People who want comprehensive coverage – Plans G and N cover more expenses, making them better for those who want fewer out-of-pocket costs.
- Frequent travelers – Plan A doesn’t cover foreign travel emergencies, unlike Plans G, N, and F.
- Those who want protection from excess charges – If you see specialists who charge more than Medicare allows, Plan G or F is a better option.
- People who expect hospital stays or skilled nursing care – Since Plan A doesn’t cover the Part A deductible or skilled nursing coinsurance, it may not be the best choice for those at high risk of hospitalization.
Medigap Plan A is the most basic Medicare Supplement plan and works well for people who want low monthly premiums and are okay with paying some out-of-pocket costs.However, it’s not the best choice for those who want full coverage with fewer surprise expenses.If you’re considering Plan A vs. Plan G vs. Plan N, comparing premiums in your area and evaluating your healthcare needs is important.
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Cost of a Mutual of Omaha Medigap Plan
| Medigap Plan | Premium | Gender/Age | State |
|---|---|---|---|
| Plan F | $228.63 | Male age 70 | TX |
| Plan G | $125.57 | Female age 65 | OH |
| Plan N | $104.85 | Female age 65 | PA |
| High Deductible G | $86.35 | Male age 65 | FL |
| Plan A | $139.79 | Male age 65 | GA |
The cost of a Mutual of Omaha Medicare Supplement plan is influenced by the following:
- State regulations
- The type of Medigap plan you buy
- Your location, specific to your zip code
- Gender
- Eligibility for a household discount (allowable in select states)
Enrollment outside the Medigap Open Enrollment Period also plays a significant role in determining the cost of your Medigap plan. Your Medigap Open Enrollment Period is a six-month period that begins on the first day of the month during which you are both 65 years of age and are enrolled in Medicare Part B. If you miss the Medigap Open Enrollment Period, which ends six months after the above conditions are met, you will likely be subject to higher premiums based on your health conditions.
How Does Mutual of Omaha Compare To Other Medigap Companies?
Because Medicare Supplement Plans are standardized, the benefits for each plan (like Plan G or Plan N) are exactly the same regardless of which insurance company you choose.
That means Plan G from Mutual of Omaha offers the same medical coverage as Plan G from Aetna, Cigna, Humana, or Aflac. What does vary is the monthly premium, company perks, rate stability, and customer service reputation – so that’s where comparisons really matter.
Below are premium comparisons between Mutual of Omaha and other top Medicare Supplement carriers across different age groups and ZIP codes. These examples illustrate how pricing can shift based on age and location.
Mutual of Omaha vs. Aetna – Monthly Premium Comparison
65-year-old female, non-tobacco, ZIP 75001 (Addison, TX)
| Medigap Plan | Mutual of Omaha | Aetna |
|---|---|---|
| Plan A | $138.54 | $154.44 |
| Plan N | $104.78 | $131.53 |
| Plan G | $138.01 | $191.51 |
| Plan F | $189.39 | $242.90 |
| High Deductible G | $42.06 | Not offered |
Percentage Differences (MOO vs Aetna):
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- Plan A: Aetna is about 11% more expensive
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- Plan N: Aetna is about 26% more expensive
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- Plan G: Aetna is about 39% more expensive
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- Plan F: Aetna is about 28% more expensive
Summary: Aetna is consistently more expensive than Mutual of Omaha in Addison, TX.
Mutual of Omaha vs. Cigna – Monthly Premium Comparison
67-year-old female, non-tobacco, ZIP 30309 (Atlanta, GA)
| Medigap Plan | Mutual of Omaha | Cigna |
|---|---|---|
| Plan A | $122.77 | $131.38 |
| Plan N | $113.73 | $106.07 |
| Plan G | $178.04 | $150.81 |
| Plan F | $258.46 | $169.18 |
| High Deductible G | $54.68 | $53.20 |
Percentage Differences (MOO vs Cigna):
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- Plan A: Cigna is about 7% more expensive
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- Plan N: Mutual of Omaha is about 7% more expensive
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- Plan G: Mutual of Omaha is about 15% more expensive
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- Plan F: Mutual of Omaha is about 35% more expensive
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- High Deductible G: Mutual of Omaha is about 3% more expensive
Summary: Mutual of Omaha’s rates are consistently higher than Cigna’s in Atlanta. The biggest difference appears with Plan F, followed by Plan G.
Mutual of Omaha vs. Humana – Monthly Premium Comparison
70-year-old female, non-tobacco, ZIP 92103 (San Diego, CA)
| Medigap Plan | Mutual of Omaha | Humana |
|---|---|---|
| Plan A | $193.71 | $248.69 |
| Plan N | $173.14 | $208.66 |
| Plan G | $249.93 | $283.00 |
| Plan F | $306.88 | $343.61 |
| High Deductible G | $64.49 | $74.86 |
Percentage Differences (MOO vs Humana):
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- Plan A: Humana is about 28% more expensive
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- Plan N: Humana is about 21% more expensive
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- Plan G: Humana is about 13% more expensive
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- Plan F: Humana is about 12% more expensive
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- High Deductible G: Humana is about 16% more expensive
Summary: Humana’s premiums are consistently higher than Mutual of Omaha’s in San Diego, especially with Plan A and Plan N. Mutual of Omaha offers notable savings in this region.
Mutual of Omaha vs. Aflac – Monthly Premium Comparison
75-year-old female, non-tobacco, ZIP 60614 (Chicago, IL)
| Medigap Plan | Mutual of Omaha | Aflac |
|---|---|---|
| Plan A | $155.97 | $260.78 |
| Plan N | $132.28 | $158.46 |
| Plan G | $178.57 | $223.07 |
| Plan F | $216.80 | $254.91 |
| High Deductible G | $63.14 | Not offered |
Percentage Differences (MOO vs Aflac):
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- Plan A: Aflac is about 67% more expensive
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- Plan N: Aflac is about 20% more expensive
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- Plan G: Aflac is about 25% more expensive
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- Plan F: Aflac is about 18% more expensive
Summary: Aflac tends to be more expensive in Chicago than Mutual of Omaha, especially with Plan G and Plan A.
Overall Takeaway:
Regardless of age or location, Mutual of Omaha consistently offers lower monthly premiums compared to Aetna, Cigna, Humana, and Aflac.
While the price gaps vary depending on plan and geography, the trend favors Mutual of Omaha, especially for Plan A and High Deductible G.
Disclaimer: Insurance premiums are subject to change and can vary based on individual circumstances. Contact the insurance providers directly or consult one of our licensed insurance agents for the most accurate and up-to-date information.
What Perks Does Mutual of Omaha Offer?
Mutual of Omaha provides a comprehensive suite of benefits and optional add-ons to its Medicare Supplement members, enhancing their overall health and wellness:
Included Perks:
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Mutually Well Program: Members gain access to discounts on health and wellness products, personalized nutrition and wellness planning, and a nationwide gym membership for $29.99 per month. This program also offers savings on alternative therapies like acupuncture, chiropractic services, and massage therapy.
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Vision Care Discounts through EyeMed: Members receive savings on eye exams, prescription eyeglasses, contact lenses, and frames from top optical retailers.
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Hearing Health Discounts through Amplifon: Members benefit from discounts on hearing tests and hearing aids from leading brands, along with personalized support and fittings.
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Household Discount Program: Eligible applicants can receive premium reductions, with discount percentages varying by state – most states offer a 12% discount, while others provide a 7% discount; North Dakota offers a 10% discount.
Optional Add-On Policies for an Additional Premium:
Dental Insurance Plans: Mutual of Omaha offers two primary dental insurance policies:
- Mutual Dental Preferred: Provides comprehensive coverage with a $1,500 annual maximum benefit. It covers 100% of preventive services (e.g., cleanings, X-rays), 80% of basic services (e.g., fillings, simple extractions), and 50% of major services (e.g., crowns, dentures, implants) after a 12-month waiting period. The deductible is $0 for preventive services and $50 per year for basic and major services.
- Mutual Dental Protection: Offers a $1,000 annual maximum benefit, covering 100% of preventive services, 50% of basic services, and 50% of major services after a 12-month waiting period. There’s a $100 annual deductible applicable to all services.
Optional Vision Rider: Both dental insurance policies offer an optional vision care rider for an additional premium. This rider reimburses up to $50 every calendar year for one eye exam (with no waiting period) and up to $150 every two calendar years for eyeglasses or contact lenses after a six-month waiting period.
Dental Savings Plan: Alternatively, Mutual of Omaha offers a Dental Savings Plan, providing discounts ranging from 5% to 60% on most dental procedures, including routine exams and major work like dentures and crowns. This plan also offers savings on vision and hearing care services. Membership fees start at $8.95 per month or $99 annually for individuals.
These additional benefits and optional policies are designed to support members’ overall health and well-being beyond standard Medigap insurance coverage.
How Do I Enroll in a Mutual of Omaha Medicare Supplement Plan?
At PolicyGuide, we make enrolling in a Mutual of Omaha Medicare Supplement Plan simple and stress-free. Our process begins with a brief fact-finding conversation.
We’ll discuss your healthcare needs, your budget, and where you currently stand with Original Medicare Parts A and B – specifically your effective dates and whether you qualify for any guaranteed issue rights.
Once we understand your situation, we’ll help you compare plans and guide you toward the one that best fits your needs. From there, we handle the entire enrollment process over the phone – no paperwork on your end.
To complete your enrollment, you’ll need to provide some basic information:
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Full name
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Address
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Phone number
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Date of birth
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Medicare Claim Number (from your Medicare card)
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Preferred billing method
Most people choose to have their monthly premiums automatically deducted from a checking account to avoid any lapses in coverage.
Please note: If you’re enrolling outside of your Initial Enrollment Period (IEP) or don’t have guaranteed issue rights, you may be required to answer some health questions as part of the application process.
After enrollment, your policy is typically issued within 7 to 10 business days, and you’ll receive your ID cards and policy documents by mail.
Ready to Learn More?
Choosing the right Medicare Plan is not a decision that should be taken lightly. With Policy Guide’s assistance, you will have access to the knowledge and expertise of professional agents who can help you compare different health plans, quotes, and policies to ensure that you make an informed decision. Let us guide you through this process, so that your chosen plan best suits your needs.
FAQs
- Does Mutual of Omaha offer Silversneakers?
- Does Mutual of Omaha have a Medicare Advantage plan?
- Do they offer prescription drug plans?
- Can I travel with my Medicare Supplement plan?
- Do I have to change my Mutual of Omaha plan if I move to another state?
- Do Mutual of Omaha Medicare Supplement plans require me to use a network of doctors and hospitals?
- How often will my Mutual of Omaha premiums increase?
- Do the benefits of my Medicare Supplement Plan with Mutual of Omaha change every year?
- Is Mutual of Omaha a good company for Medicare Supplement Insurance?
- What is the AM Best rating for Mutual of Omaha?
- How trustworthy is Mutual of Omaha?
- Why is Mutual of Omaha so popular and how many members do they have?
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