Mutual of Omaha Medicare Supplemental Insurance Reviews

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.

My main complaint is that the rate goes up each month, as well as the deductible. This is a double whammy, and makes it hard for people on a fixed income. Otherwise I have no complaints against the company.

I had Humana which was horrible. They wouldn't pay for 1/2 of the services I had or needed. They also drove me crazy calling everyday. One problem after another. I switched to Mutual of Omaha and it's been wonderful.

Great 100 percent coverage including your deductible. But the cost is pricey. However even Emergency room or hospital visit won't cost you a penny. My Emergency room bill was $35,000 and I paid $0. I can't afford to pay for the 20 percent on that amount. It's worth the cost.

I researched many part B supplements and felt Mutual of Omaha was the best value for my needs. My agent is Jennifer and she explained all my options and $ for my premiums. She called to let me know my policy was increased $10.00 a month with same excellent coverage for 2020. I can call her anytime and she will get back to me and she know a ton about insurance and is very kind. My advice is be careful as I had at least 20 fake Medicare scammers call me trying to get my SSI number and had my address. Call Mutual of Omaha. They are a safe and trusted company for Supplemental Medicare insurance. IMHO.

I was lucky to have an awesome agent who answered all our questions. So far I cannot complain about anything. Mutual of Omaha has been around for a number of years, and a company you can trust. I think it is important, especially at this time in life, when we are aging and need medical care and can’t afford to pay out of pocket.

I have a few Mutual of Omaha insurance for different areas in my life, they all are great coverage for me and my family. The coverage is great so far. My family have nothing but good service through our insurance.

Premiums are one of the lowest I’ve researched. Coverage is great. Has covered all my surgeries. EOB’s are always sent in a timely manner. Cannot complain about the service they provide. Would refer to my friends.

I have had Mutual of Omaha Supplemental Insurance since I turned 65. I chose them because they acted like they really wanted my business. The service has been outstanding. I have never had an issue. On the rare times I have had to call to get a question answered, they were very professional and courteous. I am very pleased.

I have been a Medicare Supplement customer of Mutual of Omaha since 2010; My starting premium was $120.12/mo. The premiums have increased several times during each year because of "rising costs and age," and I now find at age 73, my latest premium increase has reached $292.97, not affordable anymore! My medical costs have been very modest.They obviously want to dump this age group! We took the bait of a low starting premium during the Medigap Open Enrollment Period and get trapped, unable to change insurers later without underwriting restrictions/penalties, etc. They have paid as per coverage, but who can afford it anymore!

I called Mutual of Omaha for information. I was not assertive and was walked through the application process. And my credit card was charged for the Part G Medigap. I will have to have a letter from my employer that I am currently insured. That letter along with a part B application will need to be sent or delivered to the social security office. I am unsure how long this will take. I call to cancel the Medigap insurance. The refund will be in the form of a check, ONCE the underwriters review my request for cancellation. I am glad I had this experience, I am choosing another Medicare G provider.

Major problem. Formulary changes every couple of months. Despite medications listed on the most current formulary on Mutual of Omaha Rx site as covered on the Mutual of Omaha Rx Plus Plan they are often rejected as NOT covered. The pharmacy is not told why the medication is not covered. This means that I have to then call Mutual of Omaha Rx which is a hassle. When calling I have to tell the rep what page number the medication is on, spell it for them only to have them tell me it's not covered when the formulary that it is listed on is only 20 days old. I then ask, "Is there a specific manufacturer that you cover." Mind you this is already a generic medication. Then after further investigation the rep says, "Oh it is covered but only a certain manufacturer."

I enrolled with Mutual of Omaha at age 65 in August 2018 for my supplemental insurance. This was my initial enrollment. I selected plan G. I was told by my broker/agent this was a good company. Things have gone well until June 2019. Then I received a letter from MOO stating my premium for the second year was going to increase by 18%. I called thinking this was a mistake. It was not a mistake. I was told by the customer rep that "well, you had $10,000 in claims this past year." I don't think my claims should have anything to do with my future premium. She also told me "well we are good, you know good ain't cheap and cheap ain't good." My broker/agent found me a new supplemental insurance supplier for about the same price as my first year insurance premium with MOO. The new company has a BETTER consumer rating than MOO. Luckily, I did not have any health issues and could answer the questions with ease. Goodbye MOO.

I signed up for Plan F when I turned 65 because of the lack of a deductible. However, I have paid nearly $1000 every year to save a $185 deductible in North Carolina. I tried to switch to a Plan G (which is exactly the same plan except for the deductible). I was denied the opportunity to switch because of my medical history even though I have been with your company since 2013. Plan F will no longer have new enrollees in 2020 - which will drive folks without major medical issues out of Plan F. That will then drive up rates for this plan, which is already overpriced. How is this fair? Both my husband and I are getting ready to switch to a different carrier since I have been approved for a Plan G. Thanks for everything, Mutual of Omaha.

I contracted a ride in accordance with the required lead time with MTM and on the day needing service even called to confirm my ride. My ride never showed, I called the number given and was told I was not on their manifest and I should call MTM. I called and was left on hold with no response. I placed 4 frantic calls because I was now past my scheduled surgery check in time, each time being put on hold with no help. Amber at MTM “graciously” offered to call my Surgeon to say I was late because my ride didn’t show? Not sure what that was supposed to accomplish because she still didn’t arrange a ride. I did finally get other transportation on my own. I never did get any help from MTM but later in the day I called for an explanation.

Updated on 05/03/2019: Most frustrating company in the world. I submitted a one-star review. They asked for my phone #, which I provided. Then they claimed the issue was "Resolved." Inaccurate and insulting.

Recently I had recently applied for a Mutual of Omaha Medicare supplement policy only for them to deny my application over a phone interview. I honestly told the reviewer I am generally in good health only suffering with low back arthritic pain and sciatica issues that was successfully maintained by medication and physical therapy. Myself along with millions of other people have some form of back pain that can be easily maintained although a letter followed up stating I have degenerative arthritis and it was the reason I was denied. Possibly because they knew my age and I did not appeal with them to have me as a client. I’m very disappointed with this companies findings having no real justification for their decision.

I, my doctor's office and a preferred pharmacy have spent countless hours on the phone trying to get prescriptions transferred and pre-authorization recognized by pharmacy. This has gone on for over 2 weeks and I have run out of a medication and the advance on the medication, in that time. Paid for a partial refill out of pocket. I tried to use their mail order pharmacy but it (Express Scripts) has policies that concern me. So I tried to get prescriptions moved to local pharmacy. Each agency said the problem was with the other one. Don't buy a new card the first year it comes out and don't buy this newly released policy until they get the glitches worked out. As of this writing it is still not resolved.

Humana advertised going to an advantage plan. I checked on it and the agent said we would have same coverage as under Mutual of Omaha supp plan G. Jan 23 2019 my wife's eye treatment that was previously covered was no longer covered. The Humana advertisement and MOO ad said if we needed to go back to the previous plans we could do so. It is now Mar 4th and Mutual of Omaha has not reinstated either of us. We had to file for reinstatement and wait for approval. This included two checks for multiple months and letters from Humana showing dates of stoppage before MOO would process our application. I find these requirements penalties for believing a slick sales person but MOO should be helping us get reinstated so we are covered quickly. I am 71 and my wife is 70 and we cannot go to the hospital or see a doctor right now unless we foot the bill.

This fly by night dumb of a company sent me unsolicited mail about cancer insurance. I opened it and wrote on application what they can do with their application that was unsolicited. Looking at the reviews, I did the right thing!! I CANNOT STAND COMPANIES THAT SEND UNSOLICITED MAIL!!! This company blows!!

Had insurance that was good until Jan 31st 2018. Filed a claim on Jan 12th and was not paid. Having to pay for a cleaning out of my own pocket. Would never recommend this insurance to anyone. It is a shame companies like this exist.