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Mutual Of Omaha Medicare Supplement

Mutual of Omaha Supplemental Insurance

Mutual of Omaha Medicare Supplement insurance is offered by probably one of the most well-known insurance companies in the United States.  Continue reading our Mutual of Omaha Medicare Supplement Review for all the details on Mutual of Omaha supplemental insurance and for a free quote on Mutual of Omaha Medicare, call us anytime at 920-545-4884

Many people grew up watching Wild Kingdom which the company sponsored for many years. The company is consistently recognized for products that suit middle America and they offer outstanding customer service to agents as well as policyholders.

The company offers Mutual of Omaha Medicare Supplemental insurance products across the United States through four subsidiary companies:

  • United World Life Insurance
  • Companion Life Insurance
  • United of Omaha Life Insurance
  • Mutual of Omaha Life Insurance

Separately and combined, Mutual of Omaha and its subsidiary companies enjoy excellent ratings from the three largest insurance industry rating services.

A.M. Best Rating Services A+ Superior (ranked second highest out of 16)

Standard & Poor’s Rating Services AA- (represents the 4th highest out of 21)

Moody’s Investors Service A1 Good (represents 5th highest out of 21)

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What Others Are Saying About Mutual of Omaha Medicare Supplement

Mutual of Omaha isn’t just a widely recognized name in Wisconsin Medicare Supplemental Insurance, they also deliver on their promises.

They are one of the few Medigap providers in Wisconsin brave enough to publish their customer reviews directly on their website for the public to see—the bad with the good.

Out of the 58 Wisconsin customer reviews published at the time of writing this article, 76% give Mutual of Omaha four or five stars, with the vast majority of those being a full 5 out 5 stars.

Their average rating from customers comes in at 4.1, with high marks in the categories of both “confidence” and “satisfaction”. Furthermore, 49 of the 58 reviewers said they would recommend the product they chose from Mutual of Omaha to others.

But what about those bad reviews? With almost 100 years in the business of providing health insurance, Mutual of Omaha isn’t worried about tarnishing their reputation by publishing their negative reviews as well.

While some companies might skew their data, Mutual of Omaha is more concerned with maintaining standards of honesty.

It’s true that 7 of their 58 reviewers gave them only 1 or 2 stars. However, at least one reviewer was clearly just confused about the rating system, because despite giving Mutual of Omaha only one star, she had nothing but positive things to say about them:

“Omaha insurance has been great. Claims are submitted with Medicare, and Omaha pays the rest. Worry free! Thanks!”

Examining the remaining negative reviews more closely shows that they aren’t complaints about the company as much as they are about the plan selected. Five of the six are related to costs or uncovered expenses.

All Medigap providers are required to offer the same coverage. Therefore, these customers were probably just matched up with the wrong plan to suit their needs, which is why it’s more important than ever to find a Wisconsin Medicare supplemental insurance agent who can find the right plan for you.

The Benefits of a Mutual of Omaha Medicare Supplement Plan

Choosing the best Medicare supplemental insurance policy for you requires significant consideration. Getting your Medigap coverage from Mutual of Omaha will make your health care easier and more effective in a variety of ways.

No Referrals Necessary. When you enroll in supplemental Medicare, you won’t need to worry about getting a referral from your primary care physician. This means that you can see the specialist that you want without the hassle of extra appointments or communication with your regular doctor.

No Networks. Unlike Medicare Advantage Plans, which may require you to choose from health care providers within their network (or face hefty penalties), Mutual of Omaha Medicare Supplemental Insurance for Wisconsin allows you to visit any doctor that accepts Medicare.

Out-of-Pocket Expenses are Rare and Low. Although your coverage from Original Medicare (Parts A and B) makes your health care more affordable, being hit with surprise out-of-pocket expenses can be very stressful when you are living on a fixed income.

A Medigap plan from Mutual of Omaha can eliminate all or most of your deductibles, copays, and coinsurance. What’s better, you’ll almost never need to write a check for health care expenses. Your provider will bill Medicare directly, the government will pay their share, and Mutual of Omaha will take care of what remains (according to your plan).

Travel with Peace of Mind. Your Mutual of Omaha Medicare Supplemental Insurance benefits are valid with any doctor in the United States who accepts Medicare. Visit friends and family throughout the country without worrying about out-of-network expenses or lack of coverage.

Furthermore, if you like to travel outside the U.S., you may purchase additional coverage from Mutual of Omaha to extend some of your benefits even to other countries around the world.


Mutual of Omaha Plan G

While Wisconsin Medicare Supplement plans do not use the lettered system you can get a Mutual of Omaha Medicare Supplement Plan G by adding riders to the base plan.  

In today’s Wisconsin Medicare Market, the Medigap Plan G is the most cost effective plan and with the long history of Mutual of Omaha Medicare you really can’t go wrong with a Mutual of Omaha Medicare Supplement.  The benefits for a Plan G are below, to see how to make a Wisconsin Medicare Supplement Plan G see our article here.

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Traditional Medicare – What isn’t Covered in 2023

A common misconception among new Medicare enrollees is that that Medicare will cover all of their healthcare expenses. Unfortunately, this isn’t the case, which is why most people elect for additional coverage.

If you are trying to decide if purchasing Medicare Supplemental Insurance through Mutual of Omaha is right for you, consider the following out-of-pocket costs that Original Medicare in Wisconsin does NOT cover.

Part A: Medicare Part A is the Medicare coverage that takes care of inpatient medical care. Each year Medicare adjusts deductibles and copayments that will affect every beneficiary’s out–of–pocket expenses. Although enrollees are not charged a monthly premium for Part A, the hospital inpatient deductible and coinsure for 2023 is as follows:

$1,600 Medicare deductible for each benefit period

Days 1-60: $0 coinsurance for each benefit period

Days 61-90: $400 coinsurance per day of each benefit period

Days 91 and beyond: $800 coinsurance per each “lifetime reserve day” after day 90 for each benefit period (up to 60 days over your lifetime)

Beyond lifetime reserve days: all costs

Part B: Part B covers most medically necessary doctors’ services, preventive care, durable medical equipment, hospital outpatient services, laboratory tests, x-rays, mental health care, and some home health and ambulance services. You pay a monthly premium for this coverage.

Part B out-of-pocket costs for 2023 are as follows:

  • The monthly premium for most beneficiaries in 2023 will be $164.90 per month. Your actual premium will be determined by your income.
  • The Part B deductible for 2023 will be $226 per year
  •  The Part B coinsurance remains at 20% of the Medicare-approved amount for services.
Let’s put all of that into perspective with a few examples.

Imagine you’ve only got Original Medicare and suffer a dangerous fall that requires you to be admitted to the hospital for two days. The Part A deductible is $1,600, which you would have to pay out-of-pocket before Medicare covered anything.

What’s worse, your deductible resets after 60 days. So, imagine you need to be readmitted to the hospital four months later for a different reason. That’s another $1,600 you’ll need to cover before your benefits kick in.

The costs get even worse if you require long-term care. While the first 60 days of skilled nursing facility care are covered, imagine you need to stay for three months for physical rehabilitation. Every day of your third month is going to cost you $400 in coinsurance. That adds up to over $10,000 in unexpected out-of-pocket healthcare costs.

So you can see why so many people choose Mutual of Omaha for their Medicare Supplemental Insurance. While Medigap might cost them a little bit more in monthly premiums, it is well worth the peace of mind that comes with not having to worry so much about surprise costs that seem almost impossible to pay.

Medicare Supplemental Insurance in Wisconsin

  1. 100% Basic Benefits including
  2. Part A Coinsurance
  3. Part B Coinsurance
  4. First 3 pints of blood each year
  5. Hospice Part A Coinsurance
  6. 100% Skilled nursing facility coinsurance
  7. Home Health Care that includes 40 visits over and above those paid by Medicare
  8. Preventative Care not covered by traditional Medicare – the Plan pays the first $120
  9. There are four riders available (for additional charge) that help to plug the holes in traditional Medicare Part A and Part B coverage:

Mutual Of Omaha Medicare Supplement Insurance in Wisconsin

While any Medicare Supplemental insurance company in Wisconsin must provide the exact same benefits with the base and riders, Mutual of Omaha stands out with its name recognition and extremely impressive financial strength.

For complete information about Medicare Supplement Insurance from Mutual of Omaha, contact the Medicare specialists at Medicare Solutions Team at (920) 545-4884 during normal business hours, or you can contact us here on our website at your convenience.

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