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About Mutual of Omaha Medicare Supplemental Insurance
Mutual of Omaha is a provider of Medicare supplemental insurance. The company offers a user-friendly website experience for those who want to compare plans and get quotes online. It offers several policy options, as well as foreign travel protection. Its coverage includes Plan F, G and N in Medicare Parts A and B.
Pros & Cons
- Easy online quotes
- Multiple plan options
- Foreign travel coverage
- Can be expensive
- Limited enrollment periods
Mutual of Omaha offers Medicare supplement insurance for older adults, closing gaps in coverage that lead to out-of-pocket costs. You can get a free quote online to see your payment and policy options.
ConsumerAffairs has collected 108 reviews and 535 ratings.
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Reviewed Jan. 7, 2021
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.
Reviewed Nov. 21, 2020
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.
Reviewed Oct. 15, 2020
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.
Reviewed Oct. 5, 2020
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!
Original Review: I purchased a supplemental Plan G from Mutual of Omaha Life Insurance Company at retirement and after just 6 years my premium more than doubled which is no longer sustainable. I am told that on-average age-attained rates may increase at 6-7% annually across all supplemental policy offerings but mine has averaged almost 12% annually. MofO Life Insurance Company no longer offers a Medigap policy in NC but has created a different entity called United World Life Insurance Company. This entity offers much lower premium quotes for Plan G to lure new business while keeping those in the old entity captured in a ‘Closed Pool‘ of clients who essentially subsidize the lower premiums of newer customers. This seems to me to be unethical at best and certainly stains Mutual of Omaha’s brand.
Hi, Ed. Thank you 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 discuss the specifics of your policy further, you can reach us at 800-775-3000 or email your preferred contact info and the best time to reach you to email@example.com. We look forward to speaking with you.
Reviewed July 30, 2020
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!
Hi, Kevin. Thank you for taking the time to leave a review. We take your concerns seriously and would like to look into this further. 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.
Reviewed June 3, 2020
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.
Hi, Juanita. Thanks for the message. We take your concerns seriously and would like to look into this further. 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.
Reviewed April 17, 2020
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.
Hi, Jerry. 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.
Reviewed Feb. 19, 2020
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.
Hi, Donna. Thank you 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. We’d like to listen if you’d like to talk with one of our customer care team 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 email@example.com.
Original Review: Feb. 6, 2020
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.
Original Review: On 1/28/2020 I called to price my **. I had 3 -- **, ** & **. Was given a price for all 3 1125.65 so I approved them. On 1/29/2020 I checked my bank & they had taken the money out so I went in their site to see a status. That’s when I saw they had removed my ** from the order so I called & got it restored to the order. On 1/30/2020 I checked my credit card & they had charged another 63+ dollars so I call. They remove the charge. On 1/31/2020 I checked their site & cancelled all my ** so back on phone where I talk to another supervisor who then gives me a price of 1107 dollars & change so a little cheaper. I approve.
On 2/1/2020 here we are again. They ready the **, & ** with a note to call on my ** so on the phone again where they tell me that I need to pay more money a 1000 dollars to be exact. They say I haven’t paid my deductible so I ask for a manager. They finally get one to call me after they hung up. So he calls. He’s trying to help but his program won’t allow him to so he cancels the ** again. He then fills a ticket for his IT group to work on that. Will take a week so he say he will have a top manager call me within 24 hours. No call. So today I call to see if they can give me an extra week of **. The supervisor said yes & set it up. A couple of hours later I check my credit card where there’s a charge for 790 dollars. Wtf. So I call again. The supervisor was a **. Keep in mind except for the First Lady the rest were supervisor.
Hi, Randy. Thank you for taking the time to provide a review. We’d like to discuss this further. 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.
Reviewed Nov. 29, 2019
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.
I have read where MOO is phasing out Plan F so they aren't accepting new customers and the ones of us that have been with them for years are getting robbed. Outrageous, Shocked and Disgusted all apply here. What kind of company does that to seniors? If I could give MOO zero stars I would do it. They say, "We can have a representative call you." For what. To hand you the same song and dance they in their increase letter?
Hi, Nancy. Thanks 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. We’d like to listen if you’d like to talk with one of our customer care team 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 email@example.com.
Reviewed Nov. 20, 2019
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!
Hi, Thomas. 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. We’d like to listen if you’d like to talk with one of our customer care team 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.
Reviewed Oct. 31, 2019
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.
Reviewed Oct. 12, 2019
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.
Without any notification, MoO Rx cancelled my policy over the Labor Day weekend for lack of payment. Although I re-enrolled on Sept 4 and paid all of the back charges via credit card, they then cancelled my “new” policy for lack of payment on the original policy. I filed a grievance with them but they still refused to reinstate my Rx policy.
Hi, Sara. Thanks for taking the time to provide a review. We take your concerns seriously and would like to look into this further. 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.
Reviewed Oct. 10, 2019
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.
Reviewed Oct. 7, 2019
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.
Reviewed Oct. 6, 2019
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.
Reviewed Oct. 4, 2019
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.
I attempted to switch to a Mutual of Omaha Florida Policy that was exactly the same plan even at the the higher rate but they refused citing preexisting conditions. Let's see: I am willing to accept a one time 79% increase but Mutual of Omaha says no because they now want to impose preexisting conditions. Let's see: Same Company as for the past 6 years, Same Medicare Plan as for the Past 6 years. What's different is that they are saying that they can stick it to me and that they are going to stick it to me and raise my rate every year. When I ask Mutual of Omaha about it they said "the insurance commission approved it." When I asked the insurance commissioner (NC) why they approved such a high increase, they said it was based on information provided. I asked who provided it and they answered, "Mutual of Omaha." Go figure! PS. The Florida Insurance Commission says "It is not our problem."
Hi, Randy. Thank you 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. We’d like to listen if you’d like to talk with one of our customer care team about the specifics of your policy. You can reach us at 800-775-3000 or email your preferred contact number and to firstname.lastname@example.org.
Reviewed Oct. 3, 2019
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.
Reviewed Oct. 2, 2019
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.
Reviewed Oct. 2, 2019
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.
Reviewed Oct. 1, 2019
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.
Reviewed Sept. 30, 2019
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.
Reviewed Sept. 27, 2019
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.
Reviewed Sept. 26, 2019
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.
Reviewed Sept. 25, 2019
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.
Reviewed Sept. 24, 2019
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.
Reviewed Sept. 21, 2019
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.
Reviewed Sept. 20, 2019
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.
Reviewed Sept. 19, 2019
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.
Reviewed Sept. 18, 2019
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.
Mutual of Omaha Medicare Supplemental Insurance Company Information
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- Mutual of Omaha Medicare Supplemental Insurance
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