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Mutual of Omaha Plan G

mutual of omaha plan g

Mutual of Omaha Plan G has gained a great deal of popularity, even more so with the Plan F no longer available for new enrollees. Older insurance companies such as Mutual of Omaha are a fantastic choice for purchasing Medicare supplement plans like Plan G. Mutual of Omaha has several affiliates, including United World Life, United of Omaha and Omaha Insurance Company. This group of companies are among the top leaders nationwide in health, dental, and life insurance as well as Medicare insurance. Mutual of Omaha Plan G offers a significant amount of value with a lower premium than does Plan F. One major difference is that with Plan G, you pay the yearly deductible of $226. Plan G is more often than not the recommended and oft-chosen Medicare supplement plan. Summary of what Mutual of Omaha Plan G covers:

  • More stable rate increases
  • Premium difference between F and G more than covers the benefit difference of $226
  • Your $1,600 Part A deductible and coinsurance
  • The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
  • Your Part B coinsurance and the cost of the first three pints of blood
  • 80% of Part B physician charges that are in excess of the Medicare-approved amount (By law no physician may charge more than 115% of Medicare-approved amounts).
  • Skilled nursing facility copayment
  • Emergency care for foreign travel


Plan G will NOT cover:

  • Your $226 Medicare Part B deductible


mutual of omaha medicare plan g

Part A: What Plan G Covers

Should the need arise for you to stay in the hospital, Plan G is a good supplement plan to have. The Part A deductible is $1,600. This amount can change from year to year, and you are required to pay it for each benefit period. Mutual of Omaha Plan G, however, will cover 100% of the $1,600 deductible.

Part B Deductible: What Plan G Covers

With Mutual of Omaha Plan G, you must pay the Part B deductible of $226 before Medicare starts to pay its share. Plan G does not cover the $226 Part B deductible—you must pay this portion out of pocket.

Part B Coinsurance: What Plan G Covers

Generally, you need to pay 20% of the Medicare-approved amount for Medicare Part B covered services, as well as supplies. This includes, for example, doctor services and outpatient hospital care. Mutual of Omaha Plan G will help to reduce your out-of-pocket expenses after Part B deductible. Plan G covers 100% of the 20% remaining costs.

365 Extra Days of Hospital Stay: What Plan G Covers

Medicare pays for a limited amount of days in the hospital. When you use up your Medicare benefits for a hospital stay, a supplement plan like G kicks in and will cover an additional 365 hospital days during your lifetime.

3 Pints of Blood: What Plan G Covers
Plan G covers 100% of the costs of 3 pints of blood or equal amounts of packed red blood cells per calendar year.

Foreign Travel Emergency: What Plan G Covers

If you travel outside of the United States a lot, it’s a good idea to have extra coverage for emergency situations. Plan G covers 80% (after a $250 deductible) to a lifetime maximum benefit of $50,000.

Skilled Nursing Coinsurance: What Plan G Covers

Medicare will pay for your first 20 days in a skilled nursing facility. After a hospital stay, if you need to go to a skilled nursing facility and your visit lasts longer than 20 days, Plan G kicks in. It covers up to $200 per day for days 21-100.

Home Health Care: What Plan G Covers

If you become injured or ill, you may need Home Health Care. This includes skilled nursing care and other health care services you receive in your home. Plan G covers the 20% that Medicare Part B does not cover.

Part B Excess Charges: What Plan G Covers

Federal law dictates that doctors who do not accept “assignment” (take Medicare’s approved amount as payment in full) may charge up to 15% more than the approved amount. If your doctor does not accept assignment, Mutual of Omaha Plan G may be a good choice for you. Furthermore, you may want this plan if you have to stay in the hospital and have no control whether or not the doctors you see accept assignment. If the procedure in covered by Medicare, Mutual of Omaha Plan G will cover 100% of the excess charges.

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Frequently Asked Questions Regarding Mutual of Omaha Plan G:

Q: How Much Does Mutual of Omaha Plan G Cost?

A: The cost of Mutual of Omaha Plan G can vary, depending on a number of factors. For example, your age, gender, and whether or not you use tobacco can all affect cost from individual to individual.

Q: Will Mutual of Omaha Plan G Cover the Costs of my Prescription Medications?

A: While Plan G won’t cover your retail prescription medications, it will cover any medications administered to you in a hospital or clinic setting. However, as supplemental plans are designed to help cut down on overall medical costs, they can by default make it easier for you to afford the cost of your prescription medications. For coverage of retail prescription medications, you may benefit from Medicare Part D.

Q. What’s Better: Plan F or Plan G?

A: While Plan F has been an extremely popular choice for enrollees, Plan G is certainly comparable. It offers everything that Plan F does, minus coverage for the Plan B deductible. It also has a lower premium and lower yearly rate increases than does Plan F. Furthermore, Plan G is now the go to plan for new enrollees looking for maximum coverage as Plan F has been discontinued for new enrollees. Overall, it’s a smart choice for those who want good coverage but can also agree to pay the Part B deductible.

Q. Is Mutual of Omaha Plan G The Right Choice For Me?

A: There are a lot of reasons to choose Medicare supplement Plan G. It’s a wise choice for those who want a lower premium than Plan F, but who can also manage to pay the Part B deductible of $226. One of our agents can discuss supplement plan options with you to help you decide which one will best suit your needs.

Timing Is Key

It is crucial to note that timing is important when you enroll in a Medigap plan. For example, if you enroll as soon as you’re eligible for Medicare, you will be able to enroll without a health examination. However, if you enroll after that initial period, or want to switch plans, you will likely be subject to a health examination as well as possibly a higher premium. However, if you decide that Plan G isn’t for you, Mutual of Omaha offers a “free look period” of 30 days. That means you have an entire month to change your mind.