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Mutual of Omaha

A review of Mutual of Omaha’s Medicare Supplement plans.

Mutual of Omaha & United World

Mutual of Omaha LogoMutual of Omaha has offered insurance products since 1909. It’s roots begin back in Omaha, Nebraska, where their headquarters and customer service center are still based today. By 1958, Mutual of Omaha surpassed the $1 billion mark in terms of benefits paid out to its policyholders. Today it has a stellar financial rating. A.M.’s Best rates it an A+.

Should you choose Mutual of Omaha, or one of its subsidiaries, such as United World Life Insurance Company, for your medicare supplement plan, you will have peace of mind, knowing that this company is stable and has a long history of serving its customers.

Features of Mutual of Omaha
No Application Fee
Offers Household discount of 12% (varies by state)
May apply and get coverage same-day
Nationwide Coverage (any doctor that accepts Medicare)
Cannot be cancelled due to developing health conditions
Unique Value
Mutual of Omaha/United World offers a ‘household discount’ of 12% (varies by state). Mutual of Omaha’s household discount is unique from other insurance companies in that if you simply live with another person over the age of 60, they give you a discount on your premiums. Most insurance companies require that both you and your spouse have the same insurance company to receive a discount.
Medicare Supplement Plan F & Plan G

Medicare supplement Plan F will no longer be available to new medicare beneficiaries in  the year 2020. This means that if you are turning age 65 or becoming eligible for Medicare during or after the year 2020, you will have the ability to purchase other robust plans, such as Plan G. The only difference between benefits for Plan F and Plan G are that on Plan G, the insurance company will not cover your Part B deductible. In other words, you are paying a high premium for a small benefit.


Many times the annualized premium of Plan F is around $500 more than Plan G. The difference in benefits from Plan F to Plan G is that, Plan G does not cover the Part B deductible of $183.

Prescription Drug Plans

In 2019, Mutual of Omaha is rolling out, for the first time, prescription drug plans. These PDP plans will offer you the ability to have your Medicare Supplement and standalone prescription plan at the same company. 

It is best practice to have your agent complete an annual analysis of your drugs to find out which prescription plan will best fit your needs.

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