Mutual of Omaha Medicare Supplement Insurance

Review Benefits of Their Medigap Insurance

Mutual of Omaha Medicare Supplement offers one of the best Medicare supplements available. They have been offering medigap coverage for over 40 years. Most people are familiar with this company and feel more comfortable paying for private Medicare supplemental insurance from a company they know and respect.

Mutual of Omaha received ratings of A+ from A.M. Best Company, Moody's (A1) and Standard and Poor's. The company has been in existence since 1909.

This is important when they are the company taking your money to provide you with a service. You would like them to still be in business when you need to collect on your benefits.

Mutual of Omaha Medicare Supplement Basics

All of the plans offered by Mutual of Omaha offer the following basic benefits.

  • Medicare Part A coinsurance coverage
  • An additional 365 days of hospitalization after traditional Medicare runs out
  • First 3 pints of blood per year
  • Additional medical expenses: Including Part B Coinsurance, physician services, therapies, outpatient hospital services and ambulance services

These are the basics covered in each plan that they offer. In addition to those basic benefits there are other benefits available.

Each increase in benefits will obviously cost a little more, so it is important for you to review your needs specifically to assure that you will be receiving the coverage you need when you need it the most.

For example, if you never plan to travel outside of the United States of America, you may not need international coverage and the additional premium expense every month. But it is important to review these options closely, especially if you think there may be a possibility of traveling outside the USA.

For example, my parents are not international travelers. However, they love to travel to Alaska, going three times by RV and once on a cruise line. If they had required medical care traveling through Canada, they would have needed the international coverage options on their Medicare supplemental plan.

Another example is skilled nursing facility coverage. When we were evaluating a patient for admission, whether or not they had supplemental insurance was a major financial factor in determining whether we would admit them or not.

Mutual of Omaha Supplemental plans offer some additional benefits to provide more benefits you may need in the future. These include benefits such as:

  • Skilled nursing facility coinsurance
  • Coverage when traveling outside of the USA
  • Part B excess expenses
  • Part A hospital deductible
  • Part B physician services deductible
  • and more ....

As an example only, in my home state of Washington, Mutual of Omaha Supplement Insurance offers 6 different plans ranging in price from $125.00 - $183.00 in monthly premiums, depending on the option chosen.

However, there is no guarantee that premiums will remain the same every year and sometime, plans may change or be eliminated in your area, requiring you to find a new plan.

You will need to evaluate your specific circumstances, medical, personal and financial, to determine which of their plans would be best suited to your needs.

They have a great website that is easy to navigate and obtain the information you will need to compare plans and prices. You can review their plans at Mutual of Omaha.

Choosing the correct plan for you can be overwhelming. Sometimes it helps to review your options without dealing specifically with a company attempting to sell you something.

I recommend a book entitled Private Health Insurance to Supplement Medicare , which can be purchased directly through Amazon, which reviews all private insurance supplemental options to Medicare.

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