Mutual of Omaha Medicare Supplement Plans in Iowa

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Mutual of Omaha medicare supplement plans usually carry some of the lowest rates in Iowa, with attained-age pricing and discounts for non-tobacco users and households. Medicare supplement insurance, offered by private insurance companies, is standardized by law, so the benefits of each lettered plan are identical across insurance companies; what differs is the premium, the size of any annual rate increase, and how the carrier treats underwriting. That is where this company consistently earns its reputation. Policies are underwritten by Mutual of Omaha Insurance Company affiliates such as United of Omaha and Omaha Insurance Company, all backed by the same A-rated parent.

Iowa Medicare Guide

Mutual of Omaha — Iowa Medicare Supplement Plans

Mutual of Omaha Medicare Supplement Plans are highly popular in Iowa and usually have the lowest rates. They take an attained-age rating approach to pricing their Medicare supplements and have lower rates for non-tobacco users.

By law, Medicare Supplement insurance is standardized into twelve plans (Plans A through L). That means Plan F from one company must include the same benefits as Plan F from another company. While the benefits must be the same, each company’s rates, reputation, membership features and quality of service can vary. With Mutual of Omaha, you don’t have to sacrifice comprehensive benefits or freedom-of-choice for affordability.

In Iowa, Mutual of Omaha currently offers the 3 most popular Medicare Supplements — Plan F, Plan G, and Plan N. Plan F is by far the most popular Medicare Supplement plan, with over 70% of all enrollees choosing this plan.

What Medicare Doesn't Cover

Even with Medicare Part A and Part B, you remain responsible for significant out-of-pocket costs:

The Medicare Part A deductible ($1,632 in 2024; CMS updates it annually) for each benefit period
The Part B deductible ($240 in 2024) plus 20% coinsurance on most medical services
Copayments for extended hospital stays
Skilled nursing facility care costs after day 20
Charges above the Medicare-approved amount (excess charges)

A medigap plan exists precisely to absorb these coinsurance and hospital costs, turning unpredictable bills into one monthly premium and real peace of mind for Medicare beneficiaries.

Mutual of Omaha Member Benefits

Guaranteed acceptance with no health questions during your initial Medicare enrollment window
Freedom to choose any provider that accepts Medicare, with no networks or referrals
Coverage that travels with you anywhere in the U.S., plus foreign travel emergency benefits
Guaranteed renewability: the policy can never be cancelled for health reasons
No claim forms; claims cross over from Medicare automatically

Medicare Supplement Basic Benefits

Basic benefits included in all plans include:

Hospitalization — Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
Medical Expenses — Part B coinsurance (generally 20% of Medicare-approved expenses), or in the case of hospital outpatient department services under a prospective payment system, applicable copayments.
Blood — First three pints of blood each year.

Which Plans Does Mutual of Omaha Offer in Iowa?

Plans F, G, and N are actively sold here, and Plan A information is available on request. F was historically the most popular choice, but it is closed to anyone newly eligible for Medicare after January 1, 2020, so G is now the most complete medicare supplement insurance plan most shoppers can buy.

Benefit	Plan A	Plan F	Plan G	Plan N
Basic Benefits	✓	✓	✓	✓
Skilled Nursing Coinsurance	—	✓	✓	✓
Part A Deductible	—	✓	✓	✓
Part B Deductible	—	✓	—	—
Part B Excess (100%)	—	✓	✓	✓
Foreign Travel Emergency	—	✓	✓	✓
At Home Recovery	—	—	—	—

Plan F vs. Plan G: The Math

The two plans differ by exactly one benefit, the Part B deductible, so the comparison is pure arithmetic:

Annual premium quotes: F at $1,612, G at $1,186
Add the $240 deductible to G’s premium: $1,186 + $240 = $1,426
Savings: $1,612 – $1,426 = $186 per year, even while paying the deductible yourself

Run your own numbers; the gap usually widens with age because the closed risk pool drives faster increases.

Benefit	Plan F	Plan G
Part A Deductible	✓	✓
Coinsurance	✓	✓
Extended Hospital	✓	✓
Blood	✓	✓
SNF Care	✓	✓
Hospice Care	✓	✓
Part B Deductible	✓	—
Coinsurance	✓	✓
Excess Benefits	✓	✓
Care Outside The US	✓	✓

SHOW THE SAVINGS

Go through the following cost comparison to see if you can save money. The Plan G annual premium plus the Part B deductible cost could still be less than the annual Plan F premium.

STEP 1

Quote annual premiums for Plans F and G

Plan F:$1,612

Plan G:$1,186

STEP 2

Add the Part B deductible amount to the Plan G premium for the total cost

Plan G Premium$1,186

Part B Deductible+ $240

$1,426

STEP 3

Determine the annual difference between Plans F and G plus the deductible for the savings

Plan F Premium$1,612

Plan G Premium & Part B Deductible− $1,426

Annual Savings with Plan G: $186

Medicare Supplement Plan F

Everything Plan G covers plus the Part B deductible, leaving essentially zero out-of-pocket exposure. Available only if you were eligible for Medicare before 2020. Details on the legacy plan guide.

Plan F covers:

Your 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
Medicare Part A hospital deductible and copayments
Skilled nursing facility copayment
Foreign travel emergency care
$240 Part B Medicare deductible
Part B doctor charges that are in excess of Medicare-approved amounts

Benefit	What Plan F Covers
Part A Deductible You may need this benefit if you have to stay in the hospital. The Part A deductible for 2024 is $1,632. This amount can change every year. You have to pay this deductible for each benefit period.	Plan F covers 100% of the $1,632 deductible.
Part B Deductible You may want to consider this benefit if you have Medicare Part B. Each year you must pay the Part B deductible before Medicare starts to pay its share.	Plan F covers 100% of the $240 deductible.
Part B Coinsurance Without this benefit, you generally pay 20% of the Medicare-approved amount for Medicare Part B covered services and supplies (like doctor services and outpatient hospital care).	Plan F covers 100% of the 20% remainder costs.
365 Extra Days of Hospital Stay After you use all Medicare hospital benefits, you can receive up to 365 more days for hospital stays during your lifetime.	Plan F covers all costs for an additional 365 hospital days.
3 Pints of Blood The first 3 pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced.	Plan F covers all costs for 3 pints of blood per calendar year.
Part B Excess Charges Under federal law, doctors who don’t accept assignment may charge up to 15% more than the approved amount.	Plan F covers 100% of the excess charges.
Foreign Travel Emergency If you travel outside the United States, this benefit could save you money for emergency care.	Plan F covers 80% (after a $250 deductible) to a lifetime maximum of $50,000.
Skilled Nursing Coinsurance Medicare pays for the first 20 days of a skilled nursing facility. If you need to stay longer than 20 days after a hospital stay, this benefit begins.	Plan F covers up to $137.50 per day for days 21-100.
Home Health Care Home Health Care is skilled nursing care and certain other health care services you get in your home.	Plan F covers the 20% remainder not paid by Medicare Part B.

Medicare Supplement Plan G

The flagship. Covers the Part A deductible and coinsurance, 365 extra hospital days, Part B coinsurance and excess charges at 100%, three pints of blood, skilled nursing facility care coinsurance, and 80% of foreign travel emergencies after a $250 deductible. Only the Part B deductible stays with you. Full details on our Plan G page.

Plan G covers:

Your $1,632 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
100% of Part B physician charges that are in excess of Medicare-approved amounts
Skilled nursing facility copayment
Emergency care for foreign travel

Plan G does NOT cover:

Your $240 Medicare Part B deductible

Benefit	What Plan G Covers
Part A Deductible The Part A deductible for 2024 is $1,632.	Plan G covers 100% of the $1,632 deductible.
Part B Deductible Each year you must pay the Part B deductible before Medicare starts to pay its share.	Plan G does NOT cover the $240 Part B deductible — you pay out of pocket.
Part B Coinsurance Without this benefit, you generally pay 20% of the Medicare-approved amount for Medicare Part B covered services.	Plan G covers 100% of the 20% remainder costs.
365 Extra Days of Hospital Stay After you use all Medicare hospital benefits, up to 365 more days during your lifetime.	Plan G covers all costs for an additional 365 hospital days.
3 Pints of Blood The first 3 pints of blood per calendar year.	Plan G covers all costs for 3 pints of blood per calendar year.
Part B Excess Charges Doctors who don’t accept assignment may charge up to 15% more than the approved amount.	Plan G covers 100% of the excess charges.
Foreign Travel Emergency Emergency care during foreign travel.	Plan G covers 80% (after a $250 deductible) to a lifetime maximum of $50,000.
Skilled Nursing Coinsurance Medicare pays for the first 20 days of a skilled nursing facility.	Plan G covers up to $137.50 per day for days 21-100.
Home Health Care Skilled nursing care and other health care services at home.	Plan G covers the 20% remainder not paid by Medicare Part B.

Medicare Supplement Plan N

Identical to Plan G except office visits carry up to a $20 copay, emergency room visits up to $50, and Part B excess charges are not covered. In exchange, premiums run noticeably lower. See the Plan N page.

Plan N covers:

Your $1,632 Part A deductible and coinsurance
The cost of 365 extra days of hospital care during your lifetime
Your Part B coinsurance and the cost of the first three pints of blood
100% of Part B physician charges in excess of Medicare-approved amounts
Skilled nursing facility copayment
Emergency care for foreign travel

Plan N does NOT cover:

Your $240 Medicare Part B deductible

Benefit	What Plan N Covers
Part A Deductible The Part A deductible for 2024 is $1,632.	Plan N covers 100% of the $1,632 deductible.
Part A Coinsurance Medicare requires you to pay coinsurance on hospital expenses.	Medicare pays for days 1-60. Plan N covers: remaining $408/day for days 61-90, remaining $816/day for days 91-150.
Part B Deductible Each year you must pay the Part B deductible before Medicare starts to pay its share.	Plan N does NOT cover the $240 Part B deductible — you pay out of pocket.
Part B Coinsurance Without this benefit, you generally pay 20% of the Medicare-approved amount.	Plan N covers 100% of the 20% remainder after a $20 office visit copay and $50 emergency room copay.
365 Extra Days of Hospital Stay After you use all Medicare hospital benefits, up to 365 more days during your lifetime.	Plan N covers all costs for an additional 365 hospital days.
3 Pints of Blood First 3 pints of blood per calendar year.	Plan N covers all costs for 3 pints of blood per calendar year.
Part B Excess Charges Doctors may charge up to 15% above the approved amount.	Plan N covers 100% of the excess charges.
Foreign Travel Emergency Emergency care during foreign travel.	Plan N covers 80% (after a $250 deductible) to a lifetime maximum of $50,000.
Skilled Nursing Coinsurance Medicare pays for the first 20 days of a skilled nursing facility.	Plan N covers up to $137.50 per day for days 21-100.
Home Health Care Skilled nursing care and other home health services.	Plan N covers the 20% remainder not paid by Medicare Part B.

Plan A: The Basic Option

Every carrier must offer Plan A by federal law. It covers Part A coinsurance, 365 extra hospital days, blood, and Part B coinsurance, but not the deductibles, excess charges, foreign travel, or skilled nursing coinsurance. It suits tight budgets; most clients outgrow it quickly.

Basic Plan A covers:

Your Part A coinsurance
The cost of 365 extra days of hospital care during your lifetime
Your Part B coinsurance and the cost of the first three pints of blood

Benefit	What Plan A Covers
Part A Deductible The Part A deductible for 2024 is $1,632.	Plan A does NOT cover the $1,632 deductible.
Part A Coinsurance Medicare requires you to pay coinsurance on hospital expenses.	Medicare pays for days 1-60. Plan A covers: remaining $408/day for days 61-90, remaining $816/day for days 91-150.
Part B Deductible Each year you must pay the Part B deductible before Medicare starts to pay its share.	Plan A does NOT cover the Medicare Part B $240 deductible.
Part B Coinsurance Without this benefit, you generally pay 20% of the Medicare-approved amount.	Plan A covers 20% of the remaining costs after you pay the $240 Part B deductible.
365 Extra Days of Hospital Stay After you use all Medicare hospital benefits, up to 365 more days during your lifetime.	Plan A covers all costs for an additional 365 hospital days.
3 Pints of Blood First 3 pints of blood per calendar year.	Plan A covers 100% of the costs for 3 pints of blood per calendar year.
Part B Excess Charges Doctors may charge up to 15% above the approved amount.	Plan A does NOT cover Part B excess charges.
Hospice Care Care for those terminally ill and their families.	Plan A does NOT cover hospice care.
Foreign Travel Emergency Emergency care during foreign travel.	Plan A does NOT cover foreign travel emergencies.
Skilled Nursing Coinsurance Medicare pays for the first 20 days of a skilled nursing facility.	Plan A does NOT cover skilled nursing.
Home Health Care Skilled nursing care and other home health services.	Plan A covers 20% of the remainder after the $240 Medicare Part B deductible.
Out of Pocket Limit Maximum costs you are responsible for in a calendar year.	There is no out-of-pocket limit for Basic Plan A.

Frequently Asked Questions

Is Mutual of Omaha a good Medicare supplement for seniors?

Among the best medicare supplement carriers nationally: competitive premiums, a century of claims history, fast underwriting, and strong financial ratings. The right answer still depends on the rate for your age and ZIP, which is why we quote every carrier side by side before recommending anything.

Does Plan G cover dental or prescription drugs?

Can I switch from another Medicare supplement plan to United of Omaha?

Do you prefer a lower monthly premium even with more out-of-pocket risk?

Ready to Apply for Medicare Supplement Coverage?

Apply online in minutes, fax (847) 220-9280, or email our contact form. Compare the full market on our Iowa Medicare supplement overview.

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