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 portion.

Key takeaways of Plan G:

• Plan G fills in the gaps left by Original Medicare (except for the Medicare Part B deductible).
• It is the highest benefit level of all Medigap plans.
• It pays Medicare Part B excess charges.
• It includes foreign travel benefits (up to plan limits).

Mutual of Omaha Plan G: The Most Comprehensive Medigap Plan

Medicare Supplement Plan G is one of today’s most comprehensive and value-packed Medigap plans. It offers robust coverage, making it an excellent choice for those who want predictable out-of-pocket healthcare costs.

What Does Plan G Cover?

Plan G is designed to fill in the gaps left by Original Medicare (Parts A and B), covering most out-of-pocket costs except for the Medicare Part B deductible.

Here’s what it includes:

Medicare Part A Coinsurance & Hospital Costs

Covers all hospital coinsurance expenses, ensuring you pay nothing for stays beyond Medicare’s limits (up to 365 additional days after Medicare benefits are exhausted).

Medicare Part A Deductible

Plan G covers the entire Part A deductible, which is a significant cost-saving benefit for hospital stays.

Medicare Part A Hospice Care Coinsurance or Copayments

Ensures no additional out-of-pocket costs for hospice care.

Skilled Nursing Facility Coinsurance

Helps pay for skilled nursing care after a hospital stay, providing extra financial security.

Medicare Part B Coinsurance or Copayments

Plan G covers the 20% coinsurance that Medicare Part B doesn’t pay for outpatient services, doctor visits, and preventive care.

Medicare Part B Excess Charges

Unlike other Medigap plans, Plan G pays for excess charges from providers who do not accept Medicare assignments, preventing surprise bills.

Foreign Travel Emergency Coverage

Plan G offers up to 80% coverage for emergency medical care abroad (up to plan limits), making it a great option for travelers.

Why Choose Medigap Plan G?

Here are the top reasons why we value Plan G as the #1 Medigap plan:

#1. Comprehensive Coverage With No Surprise Bills – Plan G ensures that your out-of-pocket costs remain minimal outside the Medicare Part B deductible.

#2. No Network Restrictions – You can visit any doctor or specialist nationwide who accepts Medicare without referrals or pre-approvals.

#3. Guaranteed Renewable – As long as premiums are paid, your coverage remains intact regardless of health conditions.

#4. Great Alternative to Plan F -Since Plan F is no longer available to new Medicare enrollees, Plan G is the next best option, offering nearly identical benefits with often lower premiums.

• In a nutshell:

  Medigap Plan G is a top-tier choice for Medicare beneficiaries who want peace of mind, predictable healthcare costs, and access to care without financial worry.

  Its blend of affordability and extensive coverage makes it one of the most popular Medicare Supplement plans available today.

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How Much Does Mutual of Omaha Plan G Cost?

Here’s an idea of what you might pay for Medicare Supplement insurance Plan G compared to other popular Medigap plans:

Medigap Plan	Premium	Gender/Age	State
Plan G	$162.27	Male/65	TX
Plan G	$126.53	Female/70	OH
Plan G	$162.08	Female/65	PA
Plan G	$206.19	Female/68	FL
Plan G	$208.03	Male/68	GA

Note: Medigap rates are subject to Medicare Part B start date and medical underwriting. Insurance companies consider age, gender, location, and tobacco use when setting Plan G rates.

When considering age, they use one of three methods:

• Attained age: Premiums 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.

Does Mutual of Omaha Offer Premium Discounts?

Household Discount Program

Mutual of Omaha offers household discounts to help reduce premiums for eligible applicants. The discount percentage varies by state, with most states offering a 12% discount, while others provide a 7% discount. North Dakota offers a 10% discount.

Who Qualifies for a Household Discount?

To qualify for the 12% household discount, an applicant must:

• Reside with a spouse, civil union partner, or domestic partner, OR
• Have lived with up to three other adults aged 60 or older for the past 12 months.

For the 7% household discount, an applicant must:

• Reside with a spouse, civil union partner, or other household members continuously for the past 12 months, AND
• The spouse, partner, or household member must have an existing Medicare Supplement plan with Mutual of Omaha or be applying for one.

Why Household Discounts Matter

The household discount program allows eligible applicants to lower their Medigap premiums, making coverage more affordable. This is an excellent way for couples or individuals living with eligible household members to maximize their savings while ensuring comprehensive healthcare coverage.

Mutual of Omaha Medigap Member Perks: Exclusive Benefits for Policyholders

Mutual of Omaha values its Medicare Supplement policyholders and offers exclusive health and wellness perks to enhance their coverage. While Medicare Supplement plans primarily cover out-of-pocket healthcare costs, members also have access to additional benefits that can help them stay active and maintain their well-being.

What Perks Are Available for Medicare Supplement Policyholders?

Although Mutual Perks is not currently available for Medicare Supplement members, Mutual of Omaha offers Mutually Well, a dedicated wellness program, along with discounts on vision and hearing care through trusted providers.

1. Mutually Well – Health & Fitness Program

Mutually Well is a wellness and fitness program that provides:

• Discounts on health and wellness products
• Personalized nutrition and wellness planning
• Access to a nationwide gym membership for just $29.99 per month – with no enrollment fees and the ability to cancel anytime.
• Savings on alternative therapies like acupuncture, chiropractic services, and massage therapy.

To learn more or enroll, visit MutuallyWell.com or call 833-574-6105.

2. Vision Care Discounts (EyeMed)

Medicare does not typically cover routine vision care, but Mutual of Omaha Medicare Supplement members can save on:

• Eye exams
• Prescription eyeglasses and contact lenses
• Frames and lenses from top optical retailers

For more details, visit EyeMedVisionCare.com or call 800-521-3605.

3. Hearing Health Discounts (Amplifon)

Hearing loss is common among older adults, but Medicare does not cover hearing aids. Through Mutual of Omaha’s partnership with Amplifon, Medicare Supplement members can receive:

• Discounts on hearing tests
• Savings on hearing aids from leading brands
• Personalized support and fittings

For assistance, contact Amplifon customer service at 866-981-5820.

How to Access These Perks

These discounts and wellness benefits are available automatically to Medicare Supplement members. No additional enrollment is needed – simply visit the providers’ websites or call their customer service numbers for details.

While Mutual Perks is not currently extended to Medicare Supplement members, the Mutually Well program, EyeMed vision discounts, and Amplifon hearing care savings provide valuable benefits that help members maintain their health affordably.

If you’re a Mutual of Omaha Medicare Supplement policyholder, take advantage of these perks today to stay active, see better, and hear more clearly!

Mutual of Omaha vs. Aetna, Cigna, and Humana

When choosing a Medicare Supplement (Medigap) plan, it is crucial to select a carrier with financial strength, competitive premiums, and excellent service.

Mutual of Omaha stands out against competitors like Aetna, Cigna, and Humana, particularly for these reasons:

• Mutual of Omaha has been providing Medicare Supplement insurance since 1966 when Medicare first started.
• Consistently rated A+ by AM Best, ensuring stability and reliability.
• Known for fast claims processing and easy online management tools for policyholders.
• Offers plans in most states, often at more competitive rates than Aetna, Cigna, and Humana.

Let’s compare premiums in various states and see how Mutual of Omaha stacks up against these three competitors.

Premium Comparison – Mutual of Omaha vs. Competitors

Medigap Plan G vs. Plan F and N

When comparing Medicare Supplement (Medigap) Plans G, N, and F, Plan G often emerges as the best value for many Medicare beneficiaries. Let’s examine their coverage differences further.

Plan G vs. Plan F

Plan F covers everything that Medicare doesn’t pay, including the Part B deductible. However, Plan F is no longer available to new Medicare enrollees who became eligible after January 1, 2020.

Plan G is identical to Plan F, except it does not cover the Medicare Part B deductible ($257 in 2025).

Since Plan G does not cover the Part B deductible, it generally has lower premiums than Plan F. Many beneficiaries find that the savings on premiums outweigh the cost of the Part B deductible, making Plan G the better deal.

Plan G vs. Plan N

Plan N has more cost-sharing. With Plan N, you have to pay:

• Up to a $20 copay for doctor visits.
• Up to a $50 copay for emergency room visits (waived if admitted).
• Excess charges (if applicable): Some doctors charge 15% more than the Medicare-approved amount—this is called an “excess charge.”

Plan G provides more comprehensive coverage, making it a better option for those who want predictable healthcare costs without worrying about copays or excess charges.

Why Mutual of Omaha Is the Better Choice

#1. Lower Premiums

As shown above, Mutual of Omaha often has the best rates for Plan G and other Medigap plans.

#2. Stable Rate Increases

Mutual of Omaha’s historical rate increases (typically 6-10% annually) are lower than Cigna and Humana, which tend to increase premiums at a higher rate.

#3. Strong Financial Backing

A+ rated and one of the most trusted names in the Medicare Supplement world.

#4. Fast and Reliable Claims Processing

Pays 98% of claims within 24 hours, making it one of the fastest in the industry.

#5. Household Discounts

Many states offer discounts of up to 12%, making premiums even more affordable.

Bottom Line: Mutual of Omaha is the best choice if you’re looking for a reliable Medicare Supplement provider with affordable premiums, financial stability, and superior customer service.

How to Apply for Mutual of Omaha Medicare Supplement Plan G

Why Plan G Is Better Than Medicare Advantage

Medicare Advantage (Part C) plans can seem attractive because they often have low or zero premiums, but they come with trade-offs that make Plan G the superior option for many.

Below are some reasons why Plan G is clearly better than Medicare Advantage.

#1. Freedom to Choose Any Doctor

Plan G allows you to see any doctor or specialist nationwide who accepts Medicare, with no referrals required.

Medicare Advantage plans use restricted networks (HMO/PPO), meaning you may have limited access to doctors and hospitals.

#2. Predictable Costs

With Plan G, the only out-of-pocket cost is the Part B deductible ($257 in 2025).

Medicare Advantage plans have unpredictable costs, including copays, coinsurance, and high out-of-pocket maximums (which can be over $8,000 per year).

#3. No Prior Authorization or Claim Denials

Medicare Advantage plans often require prior authorization for many treatments and procedures, which can lead to delays or denials.

Plan G has no prior authorization requirements—if Medicare covers a service, Plan G pays its share automatically.

#4. Nationwide Coverage

Plan G provides coverage nationwide.

Medicare Advantage plans are regional, meaning coverage might be limited or unavailable when traveling outside your plan’s service area.

#5. Stability and No Surprise Expenses

Plan G has guaranteed renewability—your coverage cannot be canceled as long as you pay your premiums.

Medicare Advantage plans can change benefits, provider networks, and costs yearly, leading to uncertainty.

Medicare Supplement Plan G is the best choice if you want comprehensive coverage, low out-of-pocket costs, and the freedom to choose any doctor nationwide.

Conclusion

Mutual of Omaha Medicare Supplement Plan G is an ideal option for new Medicare beneficiaries. It offers comprehensive coverage, filling gaps left by Original Medicare except for the Part B deductible.

Additionally, it covers Part B excess charges, providing peace of mind and better healthcare coverage.

Plan G rates vary based on age, gender, location, and tobacco use, so compare options before enrolling. With comprehensive benefits and low costs, Mutual of Omaha Medicare Supplement Plan G is an excellent choice for reliable coverage.

Sources: Mutual of Omaha | Medicare Costs

FAQs

• 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.

• How much is Mutual of Omaha Plan G 2025?

  Mutual of Omaha’s Plan G costs between $115 to $300 per month, depending on age, location, and several other factors.
  

• Is Mutual of Omaha a good Medicare Supplement plan?

  Mutual Of Omaha’s Plan G is one of the best Medigap options. With consistently competitive rates, it has earned its reputation as their most sought-after plan by a wide margin.