at a glance
  • Mutual of Omaha offers several different types of Medicare supplement insurance (Medigap) plans that can help cover leftover costs from original Medicare.
  • Medigap plans offered by Mutual of Omaha are available in most states across the nation, although some plans may not be available in all areas.
  • The basic level of coverage included in each type of Medigap plan is standardized, but costs can vary based on several factors.

Medicare supplement insurance plans help pay for costs that aren’t covered by original Medicare. You may also see Medicare supplement plans referred to as Medigap.

It’s estimated that 67 percent of people with Medicare have original Medicare. About 25 percent of these individuals also have a Medigap plan.

Medigap plans are sold by private insurance companies, such as Mutual of Omaha. Mutual of Omaha offers several different types of Medigap plans nationwide.

Keep reading to learn more about these plans, what they cover, and associated costs.

Let’s further break down the benefits that are offered by Mutual of Omaha Medigap plans.

Medicare Part A benefits

Medicare Part A is hospital insurance. It covers inpatient care at a variety of different facilities. The types of benefits for that Medigap offers for Part A include:

Medicare Part B benefits

Medicare Part B is medical insurance. It covers various types of outpatient services as well as some types of preventative care. Medigap benefits for Part B can include:

  • Part B deductible (if you were eligible for Medicare before 2020)
  • Part B coinsurance and copays
  • Part B excess charges

Foreign travel expenses

Some Medigap plans provide coverage for emergency care that’s needed when you’re traveling outside of the country. However, there’s a lifetime limit of $50,000 for this benefit.

Comparing coverage

So, how do the different plans offered by Mutual of Omaha stack up against each other? The table below offers a visual comparison of the coverage included in each type of Medigap plan.

BenefitPlan APlan CPlan DPlan FPlan GPlan N
Part A deductible100%100%100%100%100%
Part A coinsurance and hospital costs100%100%100%100%100%100%
Part A skilled nursing facility coinsurance100%100%100%100%100%
Part A hospice coinsurance or copay100%100%100%100%100%100%
Part B deductible100%100%
Part B coinsurance or copay100%100%100%100%100%100%
Part B excess charges100%100%
blood (3 pints)100%100%100%100%100%100%
emergency care during foreign travel80%80%80%80%80%

There are currently 10 different types of Medigap plans. Mutual of Omaha offers six of these. Each plan is designated by a letter.

All Medigap plans are standardized. This means that each type of plan has to provide the same level of basic coverage, regardless of the company that’s offering it.

For example, the basic benefits in a Plan D policy offered by Mutual of Omaha must be the same as a Plan D policy offered by Blue Cross Blue Shield.

But while coverage is standardized, costs can vary by company.

Now, let’s explore the different types of Medigap plans that are offered by Mutual of Omaha.

Medicare Supplement Plan A

Plan A is the most basic Medigap plan. In fact, any insurance company selling Medigap plans is required to make Plan A available for purchase.

Plan A covers some of the copays and coinsurance associated with Medicare Part A. It also covers copays and coinsurance for Medicare Part B.

Medicare Supplement Plan C

Plan C offers more robust coverage when compared to Plan A. It covers:

  • copays and coinsurance associated with Medicare parts A and B
  • deductible for Medicare parts A and B
  • emergency care during foreign travel

New regulations no longer allow Medigap plans to cover the Medicare Part B deductible. Beginning on January 1, 2020, people newly eligible for Medicare cannot purchase Plan C. If you already had Plan C or were eligible before 2020, you may keep or buy it.

Medicare Supplement Plan D

Plan D covers everything that’s covered by Plan C except for the Medicare Part B deductible. Because of this, Plan D may be a good option for those who can no longer purchase Plan C.

Medicare Supplement Plan F

Plan F offers the widest variety of coverage of any Medigap plan. This coverage includes:

  • copays and coinsurance with Medicare parts A and B
  • deductible for Medicare parts A and B
  • excess charges associated with Medicare Part B
  • emergency care during foreign travel

Like Plan C, Plan F also covers the Medicare Part B deductible. Because of this, it’s no longer available to people new to Medicare as of January 1, 2020.

There’s also a high-deductible version of Plan F. While the monthly premiums are lower for these plans, you’ll have to meet a deductible before it begins covering costs.

Medicare Supplement Plan G

Plan G has the same set of benefits as Plan F except for the Medicare Part B deductible. So, it’s still available to those new to Medicare who may be seeking a very inclusive level of coverage.

Similar to Plan F, there’s also a high-deductible option for Plan G.

Medicare Supplement Plan N

Some of the main areas covered in Plan N include:

  • copays and coinsurance associated with Medicare parts A and B
  • deductible for Medicare Part A
  • emergency care during foreign travel

The cost of a Mutual of Omaha Medigap plan depends on the type of plan, as well as where you live. The table below compares the 2021 monthly premium costs of the different Mutual of Omaha Medigap plans in a few different cities across the country.

Providence, RIDenver, COAtlanta, GASan Francisco, CA
Plan A$67–$791$80–$831$98–
$2,749
$83–$696
Plan C$125–
$503
$152–
$1,156
$150–$3,919$146–$596
Plan D$120–
$474
$125–
$693
$123–
$3,140
$126–$504
Plan F$125–
$922
$137–
$1,180
$135–
$4,014
$146–
$1,061
Plan F (high deductible)$29–$333$32–$350$42–$812$39–$180
Plan G$106–
$720
$110–
$1,036
$111–
$3,017
$115–$960
Plan G (high deductible)$29–$170$42–$710$42–$710$38–$157
Plan N$83–$502$86–$722$86–
$1,894
$93–$746

Medigap is a type of supplemental insurance sold by private insurance companies. It can help pay for costs that aren’t covered by original Medicare (Medicare Part A and Part B).

The availability of Medigap plans can vary by location. Some companies may not offer some plans in your state or county.

Medigap can’t be used with Medicare Part C (Medicare Advantage) plans. Beginning in 2006, Medigap plans no longer cover prescription drugs. Because of this, people with a Medigap plan can also have a Part D plan.

All Medigap plans are standardized, meaning that each type of plan has to offer the same base level of coverage.

Plans are standardized differently in Massachusetts, Minnesota, and Wisconsin. Plans in these states often have different names than the lettered plan monikers.

  • Mutual of Omaha Medigap plans are available nationwide. Overall, the company offers six different Medigap plans. However, some plans may not be available in all locations.
  • Each type of Medigap plan is standardized to offer the same amount of basic coverage. The cost of a plan depends on the specific type of plan, where you live, and how a company sets its monthly premiums.
  • Since the availability and cost of Medigap plans can vary, it’s important to compare several different options that are offered in your location. You can do that through the Medicare website. Doing this can ensure you select a plan that best suits your needs.