Mutual of Omaha Medicare Supplement Plan G

Mutual of Omaha Medicare Supplement Plan G is one of ten Medicare Supplement insurance plans that help pay medical expenses left after Original Medicare (Medicare Part A and Part B) pays its part.

Mutual of Omaha Medicare Plan G also covers some costs that the Federal Medicare Program doesn’t cover at all, such as up to $50,000 in foreign travel emergency benefits.

Key takeaways:

  • The highest benefit level of all Medigap plans
  • Except for the Medicare Part B deductible, fills in gaps left by Original Medicare
  • Pays Medicare Part B excess charges
  • Includes foreign travel benefits (up to plan limits)

Mutual of Omaha Medicare Supplement Plan G Benefits

Plan G will cover:

· Initial pints of blood

· Medicare Part A deductible

· Medicare Part A hospital costs

· Part A expenses

· Part A hospice care coinsurance

· Skilled nursing facility care

Medicare Part B costs:

· Charges over the amount Medicare allows – “Part B Excess Charges

· Durable medical equipment

· Foreign travel emergency care (lifetime plan limits apply)

· Medicare Part B coinsurance and copays

Be advised that the Part B deductible will not be covered by Medigap Plan G.

Plan G Cost

Here’s an idea of what a 65-year-old woman, a nonsmoker, might pay for Medicare Supplement insurance Plan G:

Medigap PlanPremium Gender/AgeState
Plan G$105.62Male age 65TX
Plan F$195.00Female age 70OH
Plan N$91.46Female age 65PA
High Gn/an/aFL
Plan A$185.93Male age 65CA
Rates are subject to Medicare Part B start date, and/or medical underwriting.

Insurance companies consider age, gender, location, and tobacco use when setting Medicare Plan G rates. When considering age, they use one of three methods:

  • Attained age: Premiums for Medicare Supplement Plan G increase yearly based on age.
  • Community-Rated: Everyone joining Medigap Plan G pays the same regardless of age.
  • Issue age: Your premium is based on your age when you enroll in Medicare Plan G.

Medicare Supplement Insurance Plan G is the most popular plan for those brand new to Medicare.

Here’s why:

  • It’s the most comprehensive coverage available for those new to Medicare.
  • It’s a great value when you compare benefits to cost.
  • Plan G covers Medicare Part B excess charges, which means there’s no network limitation.
  • Plan G fills in all gaps in Original Medicare except for the Part B deductible, so you have no other out-of-pocket costs to pay.
  • Like all Medicare Supplement insurance plans, you’re guaranteed acceptance if you enroll in Medicare Plan G when you first become eligible for Medicare.

Does Plan G cover Medicare Part B Deductible?

Plan G coverage does not include the Part B deductible. For those whose Medicare start date is Jan. 1, 2020, no Medicare Supplement plan covers the Part B deductible.