What Mutual of Omaha Offers and Who It Works For

Mutual of Omaha sells Medicare supplement (Medigap) plans in most states, meaning they cover costs that Original Medicare leaves with you — copayments, coinsurance, and deductibles. They offer plans A, B, C, D, G, K, L, M, and N, which is a wider range than some competitors. The company has been in business since 1909 and holds an A+ rating from the Better Business Bureau.

Whether Mutual of Omaha is a good fit depends on three things: whether they sell in your state, how their prices compare to other insurers in your area, and whether their customer service record matches what you need. Mutual of Omaha does not sell in all states — they are absent from some regions entirely — so your first step is checking whether they operate where you live.

The company is known for accepting people with pre-existing conditions without waiting periods, which matters if you are switching from another Medigap plan or from a Medicare Advantage plan during the open enrollment period. They also offer plans that cover some costs Original Medicare does not, such as foreign travel emergency care on certain plans.

Key Takeaways

  • Mutual of Omaha sells nine different Medigap plan types but does not operate in every state, so check their service area first.
  • Prices vary significantly by location and age, so comparing their quotes to at least two other insurers in your area is essential before deciding.
  • The company accepts people with pre-existing conditions and does not impose waiting periods, which can matter during certain enrollment windows.
  • Customer complaints about claims processing and billing appear in state insurance department records, so review those records for your state before purchasing.

How Mutual of Omaha's Prices Compare

Mutual of Omaha uses age-based pricing, meaning your premium rises as you get older. The exact amount you pay depends on your age when you first buy the plan, your location, and which plan letter you choose. A plan G at age 65 in one state might cost $120 per month, while the same plan in another state or at age 75 could be substantially higher.

The company does not publish a single national price list. To get a quote, you must enter your zip code and birth date on their website or call their sales line. This is standard practice across the industry, but it means you cannot compare Mutual of Omaha to competitors without gathering quotes from each one separately.

Many people find that Mutual of Omaha's prices are competitive in some regions and higher in others. The only way to know whether they are a good value for you is to request quotes from at least two other major Medigap insurers — such as AARP/UnitedHealthcare, Humana, or Cigna — and compare the monthly cost for the same plan letter in your zip code. Price differences between insurers for identical coverage can exceed $50 per month.

Customer Service and Claims Processing

Mutual of Omaha operates a customer service phone line during business hours and offers online account management through their website. You can view claims, request claim forms, and update your information online. The company processes most claims within 30 days, though complex claims may take longer.

State insurance departments maintain complaint records for all insurers. Mutual of Omaha appears in these records in states where they operate. The number and type of complaints — such as claims denials, billing errors, or difficulty reaching customer service — vary by state and year. Before purchasing, search your state's insurance department website for "Mutual of Omaha complaints" or "Mutual of Omaha reviews" to see what issues other customers in your area have reported.

The company has faced complaints about delayed claims processing and confusion over what their plans cover, particularly when customers have other insurance. If you have multiple insurance policies or a complex medical history, ask Mutual of Omaha directly how they coordinate benefits before you buy, and request a written explanation of what they will and will not cover in your situation.

When Mutual of Omaha Makes Sense

Mutual of Omaha is worth considering if they operate in your state, their price for your chosen plan is competitive with at least one other insurer, and you want a company with a long history and wide plan selection. The fact that they do not impose waiting periods for pre-existing conditions is valuable if you are switching plans during an open enrollment window when you have may provide issue rights.

The company's foreign travel emergency coverage (on plans C, D, G, and M) appeals to people who spend time outside the United States. If you travel internationally and want that coverage included, Mutual of Omaha may be one of the few options available in your area.

Mutual of Omaha also works well if you prefer to handle insurance matters by phone or online rather than in person. They do not have local agents in most areas, so you will not have face-to-face support, but that also means no pressure to buy during an office visit.

When to Look Elsewhere

If Mutual of Omaha does not sell in your state, you have no choice but to look elsewhere. Check their website or call 1-800-228-9100 to confirm whether they serve your zip code before spending time on other research.

If their price is significantly higher than competitors for the same plan in your area, the savings with another insurer may outweigh Mutual of Omaha's advantages. A difference of $30 to $50 per month adds up to $360 to $600 per year, which is substantial on a fixed income.

If your state's insurance department records show a pattern of complaints about claims processing or customer service from Mutual of Omaha, and you have a complex medical situation or expect frequent claims, consider an insurer with a stronger record in your area. You will be dealing with this company for years, so starting with one that has fewer complaints in your state reduces frustration later.

How to Get a Quote and What to Ask

Visit mutualofomaha.com or call 1-800-228-9100 to request a quote. Have your zip code, birth date, and the plan letter you are interested in ready. The company will ask whether you have other insurance and whether you are currently enrolled in Medicare Part B.

When you receive a quote, ask these questions in writing (email is fine) so you have a record: What is the monthly premium, and will it increase each year? What happens to my rate if I turn 75 or 80? Does this plan cover [list your specific medications or treatments]? How do I file a claim? What is the process if a claim is denied?

Request the plan's Summary of Benefits and Coverage document before you buy. This is a standardized form that shows exactly what the plan covers and what it does not. Read it carefully, because Medigap plans vary in what they pay for, and you need to know whether the plan you are considering will cover your expected medical costs.

Frequently Asked Questions

Does Mutual of Omaha sell in my state?

Mutual of Omaha operates in most states but not all. The fastest way to find out is to visit their website, enter your zip code, and see whether plans appear. If nothing comes up, they do not sell in your area. You can also call 1-800-228-9100 to confirm.

Can I switch from another Medigap plan to Mutual of Omaha without a waiting period?

If you are switching during an open enrollment period when you have may provide issue rights, Mutual of Omaha must accept you without a waiting period or exclusion for pre-existing conditions. If you are switching outside that window, the company may impose a waiting period. Ask them directly about your specific situation before you buy.

What is the difference between Mutual of Omaha's plan G and plan N?

Plan G covers the Part B deductible (currently $240 per year), while plan N does not. Plan N typically costs less per month but leaves you responsible for that deductible. For most people, the monthly savings with plan N do not offset the deductible cost, so plan G is usually the better value. Run the numbers for your age and location to be sure.

How do I know if Mutual of Omaha's price is fair?

Get quotes from at least two other major Medigap insurers for the same plan letter in your zip code. Compare the monthly premium, not the company name. If Mutual of Omaha is within $10 to $15 of the lowest price, the difference is small enough that other factors — like customer service reputation in your state — can tip the decision. If they are $30 or more higher, the savings with a competitor may be worth switching.

What happens if Mutual of Omaha denies a claim?

The company must send you a written explanation of why the claim was denied. You have the right to appeal. Contact Mutual of Omaha's appeals department (the phone number will be on the denial letter) and submit any additional documentation that supports your claim. If you disagree with the appeal decision, you can file a complaint with your state's insurance department.