Mutual of Omaha Medicare Supplemental Insurance Reviews

Mutual of Omaha put me in contact with an agent that was able to place me in a different category, still on my plan G and that change saved me quite a bit of money. I am very appreciative of their efforts.

After call to MoO we are happy they have resolved the problem, I talked to a very nice understanding lady in customer service, she helped us straighten out our grievance.

Bought a Heart Attack/Stroke policy from Mutual of Omaha in 2020. I filed claim after a heart attack in June, 2023. They denied my claim making false claims about my medical reports. They seek ways to deny your claims twisting facts and ignoring truthful facts. This company should be barred from selling these policies. I continue to fight them as a lone consumer.

Switched my Medicare Part D to Mutual of Omaha in 2021. The prices were great and, once I stopped using their Express Scripts mail-order (They are terrible) and switched to my local pharmacy, all went quite well. However, the 2022 rates and co-pays are now out and they are outrageous. My current plan with them cost me a total of $384 in 2021, which includes monthly premiums and co-pays for all my meds for the year. The same plan, with the same meds, has jumped to $1092 for 2022! That is an outrageous jump. (Monthly premium jumped from $24 to $39/mo. and my co-pays jumped from $6 to $39 per 90-day supply).

Since I am a Medicare recipient, I also needed a supplemental plan. I found this plan to be the least expensive which was very important. All supplemental plans pay the same but many are much more expensive. I have never had an issue with this company questioning a claim.

We've never had a problem with Mutual of Omaha, and they're very efficient when we call them with questions. We think our supplemental insurance F may be a bit high priced, but cannot figure out who else may be cheaper. Medicare's webpage was no help whatsoever. Very irritated with Medicare website.

The only negative that I have about this supplemental plan is that the premium increase takes my entire COLA for the year. I like that Medicare bills the company for their share and I don't have to submit a separate claim for it.

I have had Mutual of Omaha for several years. After a $200 deductible yearly they have never failed to pay what Medicare doesn't. My premium has increased over the years but so has everything else. I bought the policy through an individual and he has always been helpful with any questions. He also checks every year to see if I am getting the best value with my policy.

Service/support is adequate but they doubled my premium... My monthly premium went from $260/mo 2020 to $485/mo for 2021. Switched to another company for 2021 and saved $225/mo with same coverage. No matter I am relatively healthy for an older subscriber.

Only problem and all insurances do it. I can never get a COLA or pay raise from social security because the monthly premium increases more than raise every year as well medicare part B premium and deductible increases. I usually lose $20.00 yearly. Retired eight years. Had one year social security increase by One dollar, other years have been losses.

I have had the Part G policy for 3 yrs and my husband for 4 years. We have had zero problems. We also have their part D and I have been really happy with it but now I need one med they don’t cover. I dread switching. I have a lot of health issues and surgeries and my husband had a hip replacement so we use it a lot. I was not happy with the previous company (Humana) that my husband used. This one is much better. I do have to keep an eye on physicians since they love to charge for the $190 deductible even when I tell them it has been met. Eventually they refund it but I don’t like that. It is expensive but all the part G plans cost a lot. We may have to go to an Advantage plan eventually since we pay about $450 a month for both of us. That's almost half of my husband's social security check.

Updated on 10/24/2020: I submitted a similar review recently but just received my notification of a 15% premium increase for 2021 on top of a 25% increase last year. This is unconscionable! State insurance regulators apparently let them self-regulate by simply rubber stamping rate requests. I have read that MO would be an unprofitable company were it not for the Medicare supplement business. To the MO responder to these complaints: forget the redundant boilerplate response you have given to every critique about the high premium increases. Your unsympathetic and rote response only adds insult to injury!

We purchased a "lump sum cancer" insurance policy and a "Heart attack/stroke policy" from Mutual of Omaha as a supplement to our health insurance. We thought we could trust Mutual of Omaha. Unfortunately, I was diagnosed with oral cancer in February and had urgent surgery. We filed a claim under the "lump sum cancer" policy. Mutual of Omaha is stalling, and dragging their feet with unreasonable request and demands. They are completely ignoring the policy and agreement we made. 6 months later and they have not paid. Today I had to hire an attorney to pursue the claim. Very disappointing. I also canceled the "Heart attack/stroke" policy. Not worth it!

Mutual of Omaha claims representative was very rude and not helpful at all. I made the mistake of paying deductible at very first doctor visit for the new year. She told me I had to call each doctor & straighten out myself. I am semi retired & had a lifetime of experience in accounting and customer service. She failed on both. Plus I am a new customer with Mutual of Omaha. Now I am having trouble with refunds on script side that was back ordered. So in my mind this company is difficult to work with.

I am now paying $395 a month for a Medigap policy from Mutual, and I joined their drug plan which has a high deductible of $435 before they would pay for my medications. Then they changed my eye drops for glaucoma, which I have had for 30 yrs, to higher tier, and told me I had to take the new generic version of the med I was on, I did and had a bad reaction from it and my doctor put me back on the original med. after calling the drug plan. Instead of me paying $25 co-pay as described in my plan when I signed up I have to pay $91 per month for this med. Totally disgusted with mutual. Stay away from them.

This company is insane. Rates are unbearable. Since I took this 4 years ago rates have raised 25.00 a year and this year 50.00. When I took this I was told there might be periodic rate increases from time to time. Heck every year and huge. Will find another company!!!! 125.00 increase in 4 years. Retired people cannot afford them or want to. That means in 10 years it will be 800 to a 1000. Most of people’s checks. I can pay the left over myself by then!!!! Others I know say the same thing.

Updated on 04/15/2020: Ok back in February I complained cause I got several different quotes on my insulin’s so I filed a complaint. About the first week in March I received a call from a rep from the corporate office in Ohio. She told me that I would be getting a check for 630 & change as a refund. Also I had received a check for about 10 $ which I got both checks. Everything was fine until the first week in April when I received a statement that I owed about 415 dollars. Does anyone in this company have a clue about math? It would seem to me that someone from corporate would be of how the billing works.

I've had Plan F for 8 years from MOO and always paid for a full year in advance. For years I would get the same song and dance letter about I was getting older and due to other costs my premium was going up usually $300. to $400 a year. Last year my premium was $2760. and I almost went into shock when my premium notice came this year almost doubling the premium over $4,400. That's like $375. a month for insurance that only covers 20% and some small deductibles. At the same time I went with MOO I recommended a friend to take it. They did the same thing to her this year. I had moved from Wisc to Maryland, but she had been a lifetime Maryland resident and MOO almost doubled hers also.

My wife and I have had Plan G for two years. Premiums for 2020 are going up almost 20.4%. They went up 12.8% last year. Health care is expensive and there is always some inflation. However, we paid over $3,000 in premiums for 2019 and MOO paid $845 totally for the both of us. That's some profit margin!

Mutual of Omaha's RX division needs to spend some time investigating their billing issues. I just read a negative review about it that is a carbon copy of what I am experiencing with them. I keep getting notice that my direct billing is being returned by my bank and that is not the case. I have had 3 reps assure me that NOW they are establishing my direct billing and it falls through each time. On top of that, you cannot understand the reps so I really doubt if they understand me. This has been soooo frustrating.

Stay away from this company – they seem totally incompetent. MoO’s entire Medicare supplemental process is so non-intuitive that it’s impossible to understand its enrollment, customer services and separate billing systems. Despite multiple attempts during Summer 2019 to let MoO Rx know I wasn’t being billed, I was consistently told by the automated system and by Customer Service reps that I had a $0 balance. Apparently data from MoO’s Part B supplemental and data from MoO Rx do not share data for the same policy holder. MoO Rx “prescription” billing doesn’t even share data with MoO Rx premium billing. Case notes during phone calls are also kept separate and having the correct address in one part of the MoO system doesn’t mean that the correct data will be shared in their other systems, even within MoO Rx.

I have had this policy for 7 years and have never disputed any payments or non-payments by the company. It is gap coverage and that is what it does. I do not miss any sleep worrying about my co-pays concerning my medical bills.

This is a great insurance and company; however, while other supplement insurers have been raising rates by $5-$6 per year, Mutual of Omaha's United World Health has raised the price $9 plus dollars and THIS year $26. I can't help it if a doctor can scrape off a bit of loose skin, send it for analysis, then charge for an OPERATION and other fees. Though, from what Medicare does by only allowing a small portion of the bill, then paying only 80% & the supplement the rest, I can see why doctors do it - to try to break even.

As a licensed insurance agent, I searched out the best. This is the company I recommend to my clients. My experience for claims payment and service for the past 4 years are fantastic. Had complete hip replacement with a 45 day stay in rehab. All paid for with Medicare and my supplement. Other events of hospital stays, etc. Cannot be more pleased. Rates are very much in line with my Plan G.

After six years of paying my Medicare Supplement policy premium every month Mutual of Omaha is raising my premium 79% on December 1, 2019. I have moved from North Carolina to Florida and that triggered a 55% increase. Then, they compounded it by 12% because they paid out all of $3000 in claims last year and finally another 3% was added after the 55% and 12% were combined. Now, the rate of $249 is higher than if I got a Florida policy based on my current age of 71 even though in Florida a 71 year old who took out the policy at 65 would be paying the same 65 year old rate for life. But now I have to pay a rate even higher than the older person rate this year and I am subject to having my rate increased every year until dead.

Mutual of Omaha is okay. It pays the twenty percent like it is suppose to. It is the doctor's agents who don't send the proper paperwork who screw things up. I don't like that some counties the people living there get free supplemental insurance and I have to pay.

My husband went on Plan G this year. We have had excellent customer service and any claims have gone through quickly with no errors. Now we'll see what the rate increase is but so far we are very pleased with the company. Plan G was the way to go & so glad we didn't listen to broker & pick plan F.

This is the best insurance company I've experienced. Others I have dealt don't seem too involved with family or being personable. The representatives seem knowledgeable and caring. I've had no problem with speaking with a real person instead of an automated phone system.

I'm beginning to think that all insurance is about the same. Although my husband had a catastrophic event this year and the insurance kept us from exhausting our assets, for common things, it's expensive for the coverage it provides, especially the drug plan. Prior to selecting the MO Omaha drug plan to supplement the insurance and Medicare I did extensive research to make sure that the single prescription medication I need was on their formulary. It was, however, when I tried to fill it the first time, I was denied coverage for it because of my age. There was nothing in my research to indicate that there was an age limit attached to coverage for the medication. It took two letters and two appeals from my physician to get it covered and then the out of pocket deducible before they finally paid for it was ridiculously high for the amount I'm paying for this coverage.

I have been with Mutual of Omaha's Plan G for four years and quite happy with them. My premium increases annually but not by a significant amount. They pay balance of any medical charge without hesitancy on anything that Medicare pays.