United World Life Insurance Company is part of the Mutual Of Omaha family. It’s one of the most recognizable and trusted names in the Medicare Supplement market.
They’re a mutual company that helped pilot the Medigap program and have been operating in the insurance markets since 1909.
Their subsidies include Omaha Insurance Company, United of Omaha Life Insurance Company, Omaha Supplemental Life Insurance Company, and United World Insurance Company.
Medicare has great benefits and good base coverage, but some significant holes exist. For example, coverage for routine vision care such as eye exams, dental insurance, and hearing health isn’t covered.
This is because Medicare doesn’t consider it medically necessary. In addition, when you use your Original Medicare coverage, you have costs you must pay. These out-of-pocket costs include your Medicare Part A and Part B deductibles, copayments, coinsurance, and Part B excess charges.
Many Medicare beneficiaries will enroll in a supplemental Medicare health insurance plan to protect themselves from these unpredictable costs. These include Medicare Supplement insurance policies and Medicare Advantage plans.
Mutual of Omaha Medicare Supplement plans are offered throughout the continental United States. It could be through one of their other subsidiaries, depending on the state.
They offer most Medicare Supplement plan options. The exceptions are that Plan K and Plan L. Mutual Of Omaha provide a 12% household discount in most states on their Medigap policies.
| PLAN | A | B | C | D | F | G | K | L | M | N |
| Part A Hospital Coinsurance | X | X | X | X | X | X | X | X | X | X |
| Hospital Reserve Days | X | X | X | X | X | X | X | X | X | X |
| 3 Pints of Blood | X | X | X | X | X | X | 50% | 75% | X | X |
| Part B Coinsurance | X | X | X | X | X | X | 50% | 75% | X | *Copays |
| Hospice Coinsurance | X | X | X | X | X | X | 50% | 75% | X | X |
| Skilled Nursing Facility | X | X | X | X | 50% | 75% | X | X | ||
| Part A Deductible | X | X | X | X | X | 50% | 75% | 50% | X | |
| Part B Deductible | X | X | ||||||||
| Part B Excess Charges | X | X | ||||||||
| Foreign Travel Benefit | X | X | X | X | X | X | X | X | ||
| Preventive Care Coinsurance | X | X | X | X | X | X | X | X | X | X |
| Out of Pocket Limit | None | None | None | None | None | None | $6,940 | $3,470 | None | None |
| *Copays are $20 per office visit, and $50 per ER visit if not admitted to a hospital A checkmark indicates 100% coverage for the specified benefit | ||||||||||
The best time to enroll in a Medigap plan is during your Open Enrollment period (OEP). This is when you first become eligible for Medicare. Suppose you aren’t in your OEP or a guaranteed issue situation.
In that case, you’ll be required to pass underwriting to be approved for a Mutual Of Omaha Medigap plan.
Medicare Advantage plans represent Part C of Medicare. These plans will combine your Medicare Part A and Medicare Part B into one convenient plan. These Medicare Advantage plans usually include a prescription drug plan and additional benefits that aren’t included with Original Medicare.
Mutual of Omaha doesn’t offer Medicare Advantage health care plans.
Medicare beneficiaries’ prescription drug coverage can be a great source of stress. You can receive a Medicare prescription drug plan through either a Medicare Advantage plan or a Part D coverage.
Since neither Original Medicare nor Medicare Supplement insurance policies include drug coverage, many beneficiaries add a Part D plan to cover this need. Mutual of Omaha offers Prescription drug plans nationwide.
Mutual Of Omaha and its subsidiaries, like United World, have the highest financial rating. AM Best provides a rating of A+ “Excellent.”
Mutual Of Omaha has been offering quality insurance products since 1909. Since they’re a mutual company, they don’t have to answer to wall street; but instead, their policyholders are the stakeholders. This helps them to invest profits back into the company to keep rates low.
They have the best AM rating available and one of the most straightforward signature processes in the market. Enrolling in a Mutual of Omaha Medigap health insurance plan will allow you to add their Mutually Well wellness membership.
Mutual Of Omaha is one of the leading Medicare Supplement companies in the nation. They provide access to the following plans.
Not all Medicare Supplement insurance plans are available in all states. To see all your Medigap options work with a licensed insurance broker.
United World Life is a subsidiary of Mutual of Omaha that offers Medicare Supplement, life, and accident insurance policies. United World health insurance offerings are centered on Medigap policies.
Many factors can affect the premium of a Medigap plan. Some of these include where you live, your age, and if you’re a tobacco user. You can expect a Mutual Of Omaha Plan G to have a monthly premium of between $90 and $200.
The highest AM best rating available is A+. Mutual of Omaha and its subsidies, like United World Life Insurance Company, Omaha Insurance Company, and United of Omaha, have an A+ “Excellent” rating.
United World Life Insurance Company is a subsidiary of Mutual Of Omaha.
Plan G covers all your cost-share left from Original Medicare except the Medicare Part B deductible. Mutual Of Omaha Plan G will also cover costs associated with skilled nursing facilities, foreign travel emergencies, outpatient procedures, and inpatient hospital stays.
Plan G does have a high deductible option. The High-Deductible Plan G has a lower premium but requires you to pay a higher plan deductible before the plan starts to pay.
Enrolling in a plan is straightforward. The complicated part is ensuring you choose the right plan for you. Everyone has different needs, so you must consider your situation. Our licensed insurance agents can help make the process simple.
Please fill out our online request form or call us at the number above. We’ll help educate you on your options and narrow the choices to only plans that fit your needs.
Written By:
Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.
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