Mutual of Omaha – Medicare Plan F
Mutual of Omaha Medicare Supplement plans actually come in three different names. Mutual of Omaha, United of Omaha and United World. Depending on your state of residence, one of these companies will be the provider of the “Mutual of Omaha” Medicare Supplement. All administration; billing, customer service, claims, etc., are administered by Mutual of Omaha. So if you are not familiar with one of these names, you can be assured the financial rating and financial strength are all the same, because all companies are under he Mutual of Omaha umbrella.
Mutual of Omaha Monthly Rates:
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Missouri, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wyoming
The rates above are for the Mutual of Omaha and the affiliated companies including Mutual of Omaha, United of Omaha and United world.
Quick Links …
- Medicare Supplement Rates
- Medicare Part D Rx info
- Guaranteed-Issue Guidelines
- Under-Age 65 Medicare Supplement info
- Medicare “Excess Charges”
Guarantee Issue …
Are you in a Guarantee-Issue situation? New to Medicare, coming off of an Employer Group Health plan, is your Medicare Advantage plan being canceled? These and many more “qualifying events” allow you to enroll in to a Medicare Supplement plan of your choice … guaranteed. Click here to see all the available options.
Any Medicare-Approved Doctor or Hospital …
With a Medicare Supplement plan, you can see any doctor or hospital who is Medicare-Approved in the U.S. No need to check insurance company physician directories or search which plan accepts your doctor. If your doctor is Medicare-Approved, simply make the appointment and go. Also you won’t need a referral to see a specialist. Access to medical care is one of the great options of having a Medicare Supplement plan.
Don’t forget your Medicare Part D Rx plan …
Medicare Supplement plans do not include the Medicare Part D Rx plan. You will have to enroll to meet your prescription needs. Plan premiums usually range from $15 per month up to around $50. A good place to start your search is here for basic benefit descriptions. Click here for more Part D info.
Under-Age 65 Medicare Supplement …
Depending on the state you reside, you may be eligible for a Medicare Supplement plan instead of your only options of staying on Original Medicare or a Medicare Advantage plan. You can view the states which allow under-age 65 Medicare Supplement plans along with the different company plans and rates.
Plan Highlights …
- Your policy is guaranteed renewable. It cannot be canceled. It will be renewed as long as the premiums are paid on time and the information on your application is correct.
- Your Medicare supplement benefits will automatically increase as Medicare deductibles and coinsurance increase, so you can be sure your benefits will never decrease.
- You cannot be singled out for a rate increase, no matter how many times you receive benefits. Your premium changes; (a) each year on the renewal date coinciding with or following the anniversary of your Policy Date until you reach age 99; and (b) when the same premium change is make on all in-force Medicare supplement policies of the same form issued to persons of your classification in the same geographic area where the policy was issued.
- Your coverage begins immediately. There is no waiting period for preexisting conditions. Benefits will be paid from the time your policy is in force.
- Your Medicare Supplement policy enables you to see any doctor or provider who accepts Medicare. On the other hand, not all providers in a health plan network take new patients or accept its payment terms. Talk with your doctors about their relationship with any of the Mutual of Omaha companies before joining.
- Your coverage goes with you … Just like Medicare, your Medicare supplement covers your health care needs anywhere in the United States. Some Medicare Supplement plans even provide limited medically necessary emergency care outside the country. That way, you can confidently travel or live part of the year anywhere you choose. With some other health care plans, there may be charges for care no matter where you go. Carefully check all the plan’s travel rules and restrictions.
* All Medicare approved coverages are paid in full after a $2,000 annual deductible is first satisfied (High-F plan only).
Applying is Easy …
Contact me for the appropriate application. I can email, fax or mail the enrollment forms to you. Complete the enrollment forms and fax or scan and email them back to me, that’s it! I’ll do the rest to make sure your application is processed quickly, correctly and with the requested effective date.
I look forward to hearing from you. If you have questions or comments or would simply like my opinion regarding Medicare supplement plans, please feel free to call or email anytime.
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Medicare Supplement Rates |
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Need help or have questions?
John Conner
Health & Medicare
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax
As an Independent Agent, my services to you are free. The carriers compensate me for helping you!
Hi John – I wanted to find rates for Mutual of Omaha “F”. I live in Florida and my zip is 321xxx. I was brought to a site that read; “Gerber Life Ins”. Is this the same as Mutual of Omaha? Anyway, the rate was $325.08 per month for non-smoker. I am 59 and 1/2, and I collect SSDI. Is this what I am looking for? Is Gerber Life and Mutual of Omaha the same? Also, what is the difference between an “F” plan and a “high deductible F plan” ? The rate chart shows a Part A deductible of $1,132 and Part “B” deductible of $162 and a Coins of (20%). Am I reading this correctly? Also, at this point in time I am not collecting a pension, but I am seriously considering it. What affect will that have on me if any? I am also looking for a Rx plan. I will be getting Medicare on 9/1/11. Whatever info you can give me will certainly be appreciated. Thank you, Mike
Hi Mike the Gerber rate is $325.08 for the Plan F, while the Mutual of Omaha monthly rate is over $1,000. Neither company offers a High Deductible plan F. The High F plans have a $2,000 annual deductible up front then 100% after.
Regarding the Part D Rx plans, if you send my your list of meds with the dosage, I will forward you the top three plans in your county for your prescriptions. Mike please feel free to call anytime with your questions.
Thanks … John Conner
Age 64 (Texas) looking at Mutual of Omaha v. Blue Cross. Healthy and think F-high deductible the prudent choice, since I only see Doctor for annual checkups, and a $2000 medical cost in any one year is not an issue. Presently have a Blue X individual policy with $3500 deductible which has worked out fine.
The Blue Cross has a standard rate & a medicare select rate which limits available hospitals. Does the Mutual of Omaha also have a required provider network, or are they “any hospital” & “any doctor”?
Hi Roger, Mutual of Omaha does not have a High-F plan. Not sure about Blue Cross of Texas. New Era High-F is $44 /mo. and American Continental is $69. (Those are Dallas rates. Your area may be a bit higher or lower). Send me your zip and I’ll forward the correct rates. High F’s work great for a low cost safety net.
If I can help please let me know, and feel free to call anytime.
Thanks … John
My husband and I have Mutual of Omaha
Coverage and as of now our premium togather is 547.28,
Can you tell me why it is so much most are 1/2 what ours is.
My Coverage #356868-99
Name: Thelma Audrey Parsons
Coberage Type: Medicare Supplement: Plan D
James H. Parsons Sr.#356869-99
It has gone up last three years Why?
We do not smoke or drink.
Would appreciate your reply.
Hi Thelma, if your plan is at least 3 years old, you have an older “Standardized” plan. The Medicare Supplement industry went through a few changes as of 6/2010. The new plans are called “Modernized” Medicare Supplement plans. Depending on your state, some of the older “Standardized” plans have gone through much more frequent and higher rate increased than the current plans. At the time of change you should have received notice of the changes and offered to transfer to one of the new plans.
Hope that helps. Feel free to contact me anytime.
Thanks … John Conner
Hi,
Ilive in Portsmouth, VA 23704 and I’m trying to decide between selecting BCBS and Mutual of Omaha. I don’t know anyone who uses M of O in my area and I wonder if doctors here will look at it like BCBS. I would be taking Plan F….I don’t take drugs but think I need a drug plan…someone suggested getting a drug plan with humana.
Any suggestions? I am 66…I have humana now and am changing as soon as I decide.
Thank you,
Andrea Graham
Hi Andrea, I would go with Mutual of Omaha Plan F ($101/month). It is almost $20 less then BC. The savings will easily pay for your Part D Rx plan. Yes I would also choose the Humana plan for $15 per month. Remember, doctors and hospitals shouldn’t care who the company is, because all claims go to Medicare first, not the insurance company.
I can send you an application if you like.
Call anytime with your questions.
Thanks .. John
Hi John,
Looking for parents, 86 & 89 non-smokers. They are in Texas, Denton, County. Trying to decide between a Humana PFFS and a Mutal of Omaha supplement. Part D is with Humana. They both have heart conditions and see specialists at leasts 4 – 5 times a year, last year we had 3 Er visits and had a Sterling PFFS. I moved them and can change their coverage at this time. What plan would you suggest? or any others?
Thanks.
Hello Elaine, a Mutual of Omaha Medicare Supplement would be a better choice, because of the comprehensive coverage (100%) along with a greater choice of doctors and hospitals. It will be tough for your parents to qualify medically for the Medicare Supplement because of the ER visits this year. So the Humana Medicare Advantage plan my be the choice by default.
Elaine call if you have any questions.
Thanks … John Conner
Hi John, My husband and I both have Gerber MOO Plan F. I am 63 and he is 72, both non smokers. We pay a total of $265 per month for the two of us. When I checked your chart and add up the monthly rates for us it adds up to $560. That is double the amount we pay. Is the rate going up that much in 2012?
Hi Dorothy, what is your zip code and I’ll check the rates for you.
Thanks .. John
Plan F – Gerber Mutual Of Omaha. Thank you.
i am 56 years old and live in Florida , zip 33569 on ssdi for 8 years have med supplement but it keeps
going up in price ,is there a company that i can get new med supplement at a better price and upgrade to f
i know have b and it is 425 gerber looks like f is 344 but can not get any information on it
Hi Marc, in the state of Florida it is pretty tough moving to another Medicare Supplement plan for under age 65 Medicare Supplement members. You may want to look at the different Medicare Advantage plans in your area.
Marc on this web page you may want to review the “Guaranteed-Issue guidelines under “Quick Links,” and review “Trial Right.” This may help.
Thanks … John Conner
My zip code is 80103.
Hello John, I have just turned 65 and am looking for plans for when my husband retires in January. My sister has Mutual of Omaha but I just heard that they are having a 20 percent increase in prices This Week. Anything to this? Thanks
Hi Brenda what is your zip code and I’ll send you the current rates in your area.
Thanks .. John Conner
Hi Dorothy, here are the best rates for Plan F in your area (80103):
Gerber – $120.93
Sentinel Security – $125.11
Anthem – $132.10
Mutual of Omaha – $170.36
Dorothy please call if you have any questions.
Thanks .. John Conner
Both my husband and I have a policy but would like to switch and go with one that has a lower rate for the same plan. Can we do that without answering medical questions? We both have medical issues. (Obviously, since I am 63 and on medicare.) I wonder if we are uninsurable and have to stay put.
Hi Dorothy, what plan/company do you currently have and what is your zip code. I’ll check on your options.
Thanks … John Conner
i have mutal of omaha but i signed up in idaho and i know live in ariz do i have to change or just keep the same policy
Mutual of Omaha Plan F
Zip is 80103
I want to know if we would have to answer a medical questionaire if we switch. Please answer that question first.
Dorothy, yes you will need to answer the health & prescription questions on the application.
Hi George, you can keep your Idaho policy, simply change the mailing address with the company.
Hi John – I am turning 65 in May 2012 and am looking at various options online for a med supp. I live in zip code 75025 (Texas). My concern is what the rates are right now may be not what they are in May. Do you happen to know of any rate changes in the past 3-5 months or any rate revisions anticipated in the next 3-5 months for companies such as Blue Cross, New Era, United Healthcare and Woodmen of the World? Also which of those companies do you represent as I assume I could go through you if I decide to go with one of those. Friends have told me Woodmen & Mut of Omaha either just took or are going to take rate increases shortly but I don’t know anything for sure on that.
Thanks John!
Hi Carol, it will be better to compare in February or March, that time will give you a better idea of who will be the most competitive for you. If you like I can contact you then, or feel free to connect with me and we’ll go through the rates and Part D plans.
Thanks … John Conner
John,
Can I sign up for the medicare supplement F with Mutual of Omaha, today, if my 65th birthday is in May 2012? I was told that there is likely to be a rate increase as of 1-1-2012, if I sign up I will get the lower rate? True?
Jimmy
Hi Jimmy, what state are you in and I’ll see if there is a rate change for 1/1/12 in your state.
Thanks .. John Conner
John,
I’m in Nebraska.
Jimmy
Hi Jimmy, yes Nebraska is having a rate change effective 1/1/2012. So if you complete the applicaiton befor the first you can lock-in the current rate for 12 months.
If you would like the application please let me know.
Thanks … John Conner
My Mom is 72 years old residing in OK and currently paying $180/mo. for BCBS Plan F. She has been extremely happy with BCBS but recently a Mutual of Omaha representive contacted her to offer savings of $50/mo. if she switched to them! Since Plan F by law has to be the same for both carriers, what am I missing?? Will she still receive the outstanding customer service she’s used to? Do both Plan F’s cover dental/vision? I noticed that MOO rates increase with age — is that the same for BCBS? Are MOO rates scheduled for an overall increase soon (as some of your other respondents have indicated)? Thanks, Al
Hi Allen, Mutual of Omaha updated their rates for Oklahoma the first of this year, so I wouldn’t expect another adjustment until later this year or early next. As far as coverage, you will not experience any difference in benefits, since all “F’s” are the same. Although the Mutual of Omaha Medicare Supplement plans do not include dental or vision (These coverages can be added). Claims are paid the same, because all claims go directly to Medicare. So Allen, if you are looking to save on premium, and Mutual of Omaha provides a lower rate, I seen no reason not to apply for the new plan. Feel free to contact me anytime.
Thanks … John Conner
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