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I applied for supplemental Medicare insurance in New Mexico and was denied because I changed medications about 2 months ago and had checked one box on the application form that does not require any surgeries or hospital time and is not a life threatening situation or will cost you lots of money. I feel your company has profiled me in a negative way without getting all the information. Am I just some kind of statistic for you?? The application was very vague and I received a call from a woman in your company about more "details" but I was not told this was my underwriter who was actually "interviewing" me and going to accept or deny my application.
I answered truthfully but was not aware of your "rules" about having to take a medication for 2 years and that selecting "yes" to one health issue questions (of a long list) on your paperwork would deny me benefits from your company. The underwriter I spoke with who answered the phone seemed to indicate that it was unusual to deny my claim based on the one "yes" on the form and the 2 year med rule, after I explained my doctor changed my meds because I had been on them too long and it was not healthy for me. Then I asked to speak to a supervisor who was hostile, rude, and not receptive to my questions.
As I have said, I feel like your company, who is supposed to provide health benefits to those of us who are on Medicare have really dropped the ball. I was told I now have to provide 2 years of medical information to appeal because I am now in the system of denied. Is there any humane person in your company that actually understands or cares about your supposed mission to provide good healthcare insurance and treat us prospective clients with kindness and care?
Hi, Diane. Thank you for taking the time to provide a review. If you’d like to discuss this further, we’d like to listen. Please email your name, phone number and the best time to reach you to firstname.lastname@example.org. We look forward to speaking with you.
We called to cancel coverage after checking with Blue Cross (that he has been with for years). They say a "manager" will call within a week. However, I asked for a name and address to send a cancellation letter. They say, "I'm sorry I'm not aware of any person or address for you to send a letter to." It has been 2.5 weeks, they instantly took out the money from the checking account; but cannot give me an address to send a formal letter. This is too scary that for 17 minutes on the phone this Kris person refused to give me an address to send a letter. She continued to say "I'm not aware of any address to send a letter to, or the person's name".
Now this is for a 65 year old person who has in the past had heart attack and stroke. It is imperative that he have health Insurance. I don't know about what you're looking for, personally I like to deal with a company that can give me a manager's name and address to send a written letter or email or actually be able to speak to a person who may have decision authority. I would think twice about dealing with a company that WILL NOT give you an address. Please look up other reviews. Frankly the reviews I have seen about paying, canceling, phone call returns are exactly why I chose to cancel this in the first place. Thank God we are.
Hi, Kristen. Thank you for taking the time to provide a review. We take your concerns seriously and would like to discuss the further with you. Please email your name, phone number and the best time to reach you to email@example.com, and one of our customer care associates will be in touch.
I have stayed with Mutual of Omaha since retirement in 2009. They just jumped my premium from $289 to $486 stating it is age related and or increased cost of covering claims. They have raised the premium steadily since 2009 but this, a 60% increase, was a surprise. I am healthy - no major illnesses or conditions - I take only 25 milligram of ** for blood pressure - have put in very few claims. So it is not health related. For sure I will change - they give you no choice - they obviously want to eliminate this age group. They have been a good company providing good service, but I was also paying a good premium and expected good service. I moved to Florida last year from the Midwest and the location may have something to do with it. Very disappointed because it is now up to me at the age of 73 to find a new carrier.
Hi, B. Thanks for providing a review. We understand your concerns with rate increases. While it’s not our desire to raise rates, we do our best to minimize rate increases unless they’re absolutely necessary. We’d like to listen if you’d like to talk with one of our team members about the specifics of your policy. You can reach us at 800-775-3000 or email your preferred contact number and the best time to reach you to firstname.lastname@example.org. We look forward to speaking with you.
Rate increases 7 times in 3 years! It's supposed to be based on age but I would have had to age pretty quickly to account for these increases! I'm in great health. No chronic ailments or conditions. I haven't been in the hospital since 1953. I'm seriously looking for a different insurance company! Mutual of Omaha Supplemental Insurance price increases. May 15 2015 ACH MUTUAL OF OMAHA $137.16. Jun 15 2015 ACH MUTUAL OF OMAHA $143.70. Sep 15 2015 ACH MUTUAL OF OMAHA $150.88. Jun 15 2016 ACH MUTUAL OF OMAHA $156.61. Sep 15 2016 ACH MUTUAL OF OMAHA $169.14. Jun 15 2017 ACH MUTUAL OF OMAHA $176.55. Jun 15 2018 ACH MUTUAL OF OMAHA $191.86.
Hi, Robert. Thanks for taking the time to provide a review. We understand your concerns with rate increases. While it’s not our desire to raise rates, we do our best to minimize rate increases unless they’re absolutely necessary. If you’d like to talk with one of our customer care associates about the specifics of your policy, you can reach us at 800-775-3000 or email your contact information and best time to reach you to email@example.com. We look forward to speaking with you.
If I could give a negative rating, I would! Last summer I found myself hospitalized for a big blood clot in my right thigh (deep vein thrombosis), a big blood clot that sat across the top of my left and right lungs (pulmonary embolism), and smaller clots in my lungs. I filed a short-term disability claim with Mutual of Omaha through my employer and that process was nothing short of a nightmare. I had surgery in March and rather than being able to rest and recover, I was being asked to call my doctors for the claims representative and having to defend the seriousness of my medical situation.
Not only has the claims process dragged out, but it has given me much anxiety and frustration; it took months just to get the last month of benefits paid out. My claim has rolled over to long-term and I’m still having issues. If you’ve ever had non-emergency surgery, you know that you don’t get to pick your surgery date... why is that something I had to explain to the claims representative? If you can help it, STAY AWAY from this company... your sanity will thank you!
Hi, L.W. Thank you for taking the time to provide a review. If you’d like to discuss this further, we’d like to listen. Please email your name, phone number and the best time to reach you to firstname.lastname@example.org. We look forward to speaking with you.
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When I signed up for supplemental Medicare 2 1/2 years ago Mutual of Omaha was recommended. My premium was $135.00 a month for plan F. A little over a year ago, I was diagnosed with mild COPD. Shortly after, I received a letter from Mutual of Omaha increasing my premium from $135.00 a month to $203.00 a month. Almost a 50% increase. I talked to an agent today as my husband is almost 65 and he recommended Mutual of Omaha, I told him my story. He was appalled as he'd never heard of that company doing something like that (average increase is 1 to 3 % annually). Unfortunately, because I can no longer pass healthcare question to switch polices because of the COPD, I'm stuck. Please be careful if you're looking at this company, you never know when your health might change.
Hi, Debbie. We appreciate you taking the time to give us feedback. We take your concerns seriously and look forward to hearing how we can better serve you next time. Please email your name, phone number and the best time to reach you to email@example.com, and one of our customer care associates will be in touch.
My overall experience with this company would have to be the great customer service I get if I have a problem. I am completely satisfied with everything. They're a respectable company that cares about their clients.
I have been very satisfied with this company. I have used my plan several times and were notified by e-mail of the claims that were submitted. It was easy to sign up and set up my automatic payments. They have an easy to use website. I can log on and get any information I need and communicate with a representative. I received my ID card promptly and have not had any issues with claims. But it might help if I had a better explanation of claims information. The website does not show how the claims were paid and to whom.
Mutual of Omaha was a good company. I paid a small fee through my employer for this insurance. I needed monthly birth control pills and monthly doctor appointments and this program took care of everything. I like the low co-pays for doctor visits and no co-pays for most prescriptions. It was also accepted by my doctor. I couldn't afford regular insurance at the time so this program helped me a lot.
Has been there when and if I ever needed them. Provides good benefits and the premiums are competitive. Been around for a long time. Great customer service. They provide you the insurance that other companies do not, help you when your insurance don't cover it or not enough. Cover you when you get hurt and can't work. They cover everything I need them to. However, the premiums have gone up over the past few years and looks like they will go up again.
My overall experience with Mutual of Omaha has been average or what I would expect from any insurance company. They provide the information required and does make dealing with providers easy and far more pleasant. The company provides a follow up on all payments made including what is paid by Medicare. It also shows what is disallowed and what I would owe if any. It also list the providers and dates of service. However, there is neutral lack of personal contact at any level and I have actually never spoken to a live individual since inception. Nevertheless, it is always helpful especially at end of year tax planning.
Expense worth peace of mind. They pay Medicare deductible and the remaining 20% of what Medicare allows. When I've had concerns about something not being covered, or have not received my summary, they are helpful. They are easy to work with. Medical providers bill Medicare directly and also bill Mutual of Omaha, so rarely do I have to do anything other than wait to see what got covered. All of my doctors like working with them because they pay quickly (once Medicare has done its thing). However, it's expensive; only covers what Medicare allows, nothing else (some companies cover travel expenses, etc.).
Great company, no bad experiences thus far. They have been helping me via email and phone calls, and getting all of my questions answered as soon as possible. Great customer service and it's affordable. This makes my life easier, and I need to worry less about insurance and saving costs. However, there are no yearly discounts for a family plan. I need to cover my family at an affordable cost, so I can live a good life.
The telephone operators were friendly and genuinely seemed to take your side. Also, the phone access was twenty-four hours a day and was an easy to use and navigate call system. Furthermore, the billing department was generally easy to communicate with. However, the experience was horrible. You had to fight tooth and nail for every single item to comprehensively covered. The actual coverage itself was a bonafide joke. Certain medications and procedures were covered were less expensive yet more time-consuming procedures were not. It was as if they were at times just flipping a coin to decide what would be covered and what would not be covered. Also, the supervisors seemed to be unavailable when it came down to a decision needing to be made. It was a difficult process and an exercise in futility.
Hi, Christiaan. Thank you for the review. We take your concerns seriously and look forward to hearing how we can better serve you next time. Please email your name, phone number and the best time to reach you to firstname.lastname@example.org, and one of our customer care associates will be in touch.
Mutual of Omaha has covered everything that Medicare did not. Last year I had Mutual of Omaha plan F which costs more than $200 more per year but this year I have Plan G and I have not met the deductible yet. I now have plan G and have only paid $54 so far this year. The monthly premium is much less than plan F that I had last year. I am healthier than most people my age and have tried to make a few more healthier choices to even improve my health. I only have one prescription filled on an annual basis and it is a result of taking the medication called **. The insurance product is working for me and I will have it later when I may have more medical issues than I have at this time. We never know when we might need insurance so I'd rather be protected.
They are there for me when I need them and customer service is always friendly and fast when I call and need anything. I always get the medicine I need when I need it and seeing my doctor no difficulties at all. Overall great insurance.
It's a great company that I trust bringing me the good quality of healthcare, and also has a wide range of providers. Gives me peace of mind when it comes to healthcare, and knows what I care, I need, and when I need it. I like how they take care of my needs with no out of pocket cost. Healthcare providers are great and I like how you can select your own doctors without any hassle.
I have 30 years experience with Mutual of Omaha and I trust them. They are very affordable and easy to contact. They are tied to my union and they offer many other insurance options and easy to file a complaint and claim. It is great the way it is. Perfect. I also have insurance for my children through them and coverage for myself.
I'm really happy to be a part of Mutual of Omaha. I like that they help me with all my needs and I think they're doing really good job. They answer any concerns or questions that I have and they have great people that helps give me the information. But I would change having to go to doctor to get a medicine prescription from my doctor. Nevertheless, the overall experience is good and everything is going really well.
Just wanted to say I have been a client of this companies since 2009 about... I have and will continue to recommend them to all retiring people... They have been there for me in every way... I have had a lot of medical bill and have not had to put out one red cent. They are a fantastic company. Their rates are a bit high but under the circumstances and my health it is still a bargain. You are better to have a plan to cover the extra expense than to not have one. Things in the medical field are not cheap and are not getting any better. Pay the price. Or file bankruptcy. This is no joke. My medicals bills have gone well over $300,000.00. And I have peace of mind knowing it wasn't my part to pay. Thank you Mutual of Omaha.
I started Plan F Medicare Supplement in early 2011 at $125 per month. I just canceled as of July 1, 2017 at $295.77 per month. Blue Cross which is really expensive was $234.00 per month. Avoid Mutual of Omaha. The price increases are unbearable once you start with them. NOT RECOMMENDED!
Mutual of Omaha mails out cancer protection insurance plan and hospitalization plans. When and if something were to occur with your health as it did with mine... Mutual Omaha was dishonest about their cancer policies. When I first took out my policy I was not diagnosed with cancer at the time. But unfortunately when I had my routine mammogram I was positive with breast cancer. They told me that I 'knew' I had breast cancer... Who wants any kind of cancer? I TOOK OUT THE POLICY FOR PROTECTION JUST IN CASE. And they denied me my claim. I will never ever use this company again and I don't recommend anybody use this company for anything. Research elsewhere.
My mother had a accidental death policy through Mutual of Omaha. She died on the 28th February. I diligently called them to let them know she had passed. I was told that any money taken out after her death would be returned. It was by check to her that I couldn’t cash. Upon calling them they refused to help in any way other than saying I had to go get a legal document then faxed to them from the city of LA.
Even though I’d never told them my name they knew who I was, but refused to write a check to someone or deposit the money back in the same account they’d be taking from for years. I spoke to a supervisor who took an attitude right away. Eric was his name. ** I believe... again, called before money was taken from her account, but assured it would be returned. All this attitude for $4.21… but my guess is they would be just as snippy and unconcerned if it had been a larger amount too. I ask the company, what was anybody supposed to do with a check made out a dead person?
Being policy holders for Omaha's Supplemental plan my wife and I received letters telling us to call an 800 number to opt out of their information sharing program. Wanted to stop their frequent solicitation for life insurance, etc. On Nov 17, I called and gave them my policy number and their associate changed mine. Asked to change my wife's. The woman wanted a power of attorney sent to them because it was a policy change if my wife couldn't talk to her. My wife is in her 90's and has dementia. I told her she wouldn't understand her. If it was a policy change, there should be an endorsement sent out to us which I doubt will happen or that it is really a part of the policy. She was just being a mean and obstinate - give some elderly a hard time over an inconsequential matter. Typical big insurance harassment.
My wife and I enrolled with Mutual of Omaha Supplemental Plan F when we retired and recommended the same to family and friends. We maintained the policies for 6 years, through the annual price increases, until this year. We felt the increases were too much, too often so we decided to try another company and different plan...big mistake. Through the years with Mutual of Omaha, we didn't pay anything above the premium and we incurred some pretty steep medical expenses. Not one charge was disputed or, as far as I know, payment delayed. I plan to apply for reinstatement with Mutual of Omaha during the Open Enrollment period at the end of this year. Think about the future when considering insurance plans.
Thanks for sharing you story Robert.
I purchased a supplemental cancer policy through Mutual of Omaha in 2012. In early 2014 I was diagnosed with cancer. The policy agreed to cover radiation, chemotherapy AND ANY ILLNESS RESULTING FROM TREATMENT of the cancer. They ended up paying some on the radiation treatment but NOTHING for the chemotherapy I received. Also, I could not get the hospital (Renown in Reno, NV) to send me an itemized bill saying Mutual of Omaha would need to contact them directly. I did send them what bills I had from the chemo and they clearly stated that they were for chemo. However, Mutual of Omaha flat out refused to pay anything and never contacted me OR the hospital for additional information. Additionally, I was hospitalized after treatment with sepsis and UTI as a DIRECT result of the treatment. Mutual of Omaha refused to pay.
I called them and they said they would review the case and then REFUSED to pay again even after I read them the language in my policy that said they would pay for conditions or illnesses caused by the TREATMENT of the cancer. The claims examiners clearly have NO CLUE about cancer and how sepsis and UTI's are a common side effect from radiation. They kept telling me they don't pay for UTI's and also ignored the "sepsis" diagnosis clearly written on the bill. They continued to ignore the bills for chemotherapy as well. Being so ill, I finally gave up with trying to collect. I think that's what they counted on. I would never recommend Mutual of Omaha to anyone. They should be ashamed of themselves but I doubt they have a conscience.
I have been a customer for quite a while. I pay 116.50 per month. I think the policy is **. I have yet to receive a copy of the policy. Any assistance will be appreciated.
Was with them for 8 years, never missed a payment. Had to change a bank account number (because of family issues) where their Premiums were paid out of. A check was sent back to Mutual of Omaha because of this. That being my fault which I followed up on. I was told that they would consider reinstatement after doing exactly what they had asked. What a waste of time. I did all that they wanted and then they dug into my health records. If this ever happens to you, you might just as well consider your insurance cancelled. Because we have 2 residence our mail is forwarded and when the notice came it was a little late which took me out of the grace period. However, it was not until the second letter that they had referred to this.
The worst customer service I have ever had. Asked to talk to a supervisor after several phone calls, forget that. They kept wanting me to write and appeal letter of which I did, overnighted 2 of them at the cost of 24 dollars each. I had to have back surgery over a year ago which they obviously approved or I couldn't have had it. Now this was their reason for taking my insurance "out of force." After that I had cataract surgery which they approved. Why would they approve this if they had planned to drop me? Often wondered after this why Medigap insurance. Especially from this company, which I changed over to 8 years ago as my agent told me "they never let you down". What a mistake that was. Absolutely no consideration. They have been a pain.
This is what happens when you become a senior. So be careful with this inconsiderate company. Anything they can find to drop your insurance I am sure makes them pleased, especially when you are a senior citizen. Thanks for listening. If lawyers were not so expensive I would take this to one. But now I will just look for another secondary insurance company. Thanks for listening.
In trying to check on benefits for one of my clients today, I went through the worst customer service experience with an insurance company I have had to date. When I called the number on the insurance card I was directed to check their website for benefits and eligibility, which I did. However, the website failed to explain if this person had hearing aid benefits or not, so I tried calling their customer service number again. At that point, after going through more automated menus than I can count, I was simply read what the website had already told me but still was not the information I needed.
At no point could I get an operator on the line. So, I went back to the website again and found a way to submit my question to them that way, which I did. More than 2 hours later I received an email from them, but in order to access this email I had to create a "secure account" requiring me to sign up with an email and a password (seems phishy to me).
After jumping through a few more hoops, I was then finally able access this "secure email" which simply told me that all of the information I needed was on their website and to go check there... WHICH I HAD ALREADY DONE!!! BUT, if I still could not find the answer, I could call their 1-800 number, which conveniently is only open for 5 hours a day and was closed at that point. Ugh... At this point, I sent them a reply to their email telling them all of the steps I had taken and that their customer service was the worst I had ever dealt with. I sincerely hope they don't treat their customers as poorly as they treat the providers!!
I had checked your website first and could not see ANY information on there regarding hearing aid benefits. When I then tried to call your provider help line for further clarification, I was simply tossed into a loop that read the benefits that were posted on the website and did not allow for further assistance which is why I then emailed my question to you. Your reply conveniently was sent AFTER your provider help line closes for the day, and so in total my efforts to get information for my patient were completely useless. Being a provider that works primarily with the elderly population and deals with many Medicare gap insurance companies, I can safely say this is the most unhelpful insurance company I have ever dealt with, and you will never receive a good review from me. God help your clients... They will need it in their dealings with your company if you treat them as poorly as you treat providers.
I have had Mutual of Omaha Supplemental Insurance since September of 2011. In 3 1/2 years, my premiums have increased 6 times: $85.82 for 13 months, $92.69 for 3 months, $105.66 for 8 months, $109.79 for 4 months, $122.96 for 8 months, $127.78 for 6 months and now $139.29. This is a 62% increase over 3 1/2 years. Why? I thought insurance premiums were supposed to be going down.
Mutual of Omaha expert review by Cyril Tuohy
Mutual of Omaha was founded in 1909 and began selling health insurance policies the following year. It administered Medicare parts A and B when the program started in 1966. Today, Mutual of Omaha offers a variety of supplement insurance policies for Medicare recipients so consumers can find a plan that fits their needs and budget.
Household discount: When multiple people living in the same household both have a Medicare supplement insurance from Mutual of Omaha, each member receives discount on their plan.
Instant quote: Interested consumers can get an instant quote by visiting Mutual of Omaha’s website. They simply enter their date of birth, zip code and whether or not they use tobacco, and the site will show them plan availability and costs for their location.
Saturday hours: Customer service representatives are available from 8:00am to 8:00pm on weekdays and for more limited hours on Saturdays and Sundays, so consumers can get help even on weekends.
Best for: Mutual of Omaha is best for those looking for a company with an extensive history of working with Medicare.
Mutual of Omaha Medicare Supplemental Insurance Company Information
- Company Name:
- Mutual of Omaha
- Year Founded:
- Mutual of Omaha Plaza
- Postal Code:
- United States
- (402) 342-7600