Are you considering a Mutual of Omaha Medicare Supplement Plan?
Well, if so, that's a great choice.
My name is Russell Noga with Medisupps.com.
And actually, the first Medicare Supplement policy I ever wrote for
a client was a Mutual of Omaha Medicare Supplement Plan.
So it's a great option.
Today, I'm going to talk about the different plans they offer, the benefits
of each of those plans, how to enroll, and as well as the cost of these plans
and their household discount.
So let's talk about some of the Mutual of Omaha Medicare Supplement Plans that
are offered.
Now, I'm sure you know the name, Mutual of Omaha.
We all watched it as kids, Wild Kingdom. It was fantastic.
I actually got to meet one of the guys from the show.
He was the protege of Marlin Perkins on a trip.
And I held an alligator with him, and that was a little scary.
However, back to the Medicare supplement plans that they offer.
And of course, having been in business since Medicare started with their
supplement plans, they offer everything you would expect the top plans.
And the most popular plans of course, from Mutual of Omaha, as well as any
company these days, are: Medicare Supplement Plan G Medicare Supplement
Plan N, and Medicare Supplement Plan F, if you still have it.
Now, I say if you still have it, it's because anybody new to Medicare is not
allowed to enroll in a Plan F.
January 1 of 2020, Medicare said, "Take that plan out of here. It's too
expensive."
However, for you folks who are still on Plan F, as you know, you got to keep the
plan and you can actually change companies and save money if you want
to continue with a Medicare Supplement Plan F.
So, if you're signing up for Medicare for the first time, maybe you're
If so, congratulations.
Well, to sign up for a Mutual of Omaha Medicare Supplement Plan, you are in an
open enrollment period from the time you take part B Medicare that date and six
months beyond, where you can enroll in a Medicare supplement plan with no medical
questions asked.
Again, this is called your initial open enrollment period.
And you are guaranteed the coverage to any plan you want.
Actually, with any company, because you're within that six month timeframe.
Now, if you're watching this and you already have a Medicare Supplement Plan,
no problem, we can certainly look at a Mutual of Omaha plan for you, and then
match up the rates of what they've got compared to what you're paying now.
Maybe you just got a rate increase, which is very common these days,
from all the companies.
Well, let us go ahead and shop those rates for you, and we can see if Mutual
of Omaha Medicare supplements are cheaper for the particular plan letter
that you've got.
Or maybe you want to switch plans.
But we can see how the rates compared to what you have now.
You can get instant quotes on my website.
Now, I'm Russell Noga, the owner of Medisupps.com.
I'm one of the very few sites out there that even gives quotes to people.
Most of the companies out there want to just collect your information and either
sell it many, many, many times over.
Or they just simply say, "Get quotes."
And as you're filling it out, they'll say, "You're almost there, keep getting
quotes."
And then it gets to the end of it says, "Thank you, an agent will call you."
Well, they lied to you the whole way. You never got quotes.
Again, I do this.
It's very expensive to show rates on the website.
So that's probably why they don't want to do it.
A lot of them think you'll run off and go sign up direct.
Which is the worst thing to do, by the way, signing up direct, no matter what
the company, for a Medicare supplement plan because you'd never get the rates
from the other companies.
So visit my website Medisupps.com, or give us a call and you can actually
see the rates for Mutual of Omaha for their plan G and their Plan N, as well
as Plan F.
So I mentioned those three plans, and that's what we show rates for because
they're the most popular plans out there.
Mutual of Omaha Medicare Supplement Plan G.
I think that was sold more than any other plan.
Absolutely last year, and as well this year, and it will be next year also.
That's because Mutual of Omaha's Medicare Supplement Plan G is the most
popular plan out there.
Plan G in general.
That is because Plan G offers tremendous coverage with only one small out of
pocket cost each year.
That out of pocket cost is what's called the Annual Medicare Part B Deductible.
Before Medicare and your Supplement Plan pay anything in for you, you have to pay
a deductible.
Now, Medicare Plan F paid the deductible for you, but you paid way more in
premiums or you're paying way more in premiums than the deductible even cost.
So you're actually giving them extra money to write a check with your money.
So that's why I recommend highly, highly.
If anybody's on a Medicare Supplement Plan F, let's look at Plan G rates for
you because again, you write the check yourself for the Part B deductible once
per calendar year and once you do that, you get 100% coverage for Plan G.
So you might be say, "Well, Russell, that sounds all great, but I want to
know what the Mutual of Omaha Medicare Supplement Plan G reviews are."
Well, the reviews are fantastic.
We've got thousands of clients on their plan G.
And it doesn't matter if it's Mutual of Omaha or Aetna or Cigna or Accendo.
Whatever the company, Plan G works the same.
Now, that deductible I mentioned is a Medicare deductible.
It's got nothing to do with the carriers or even Plan G.
It's just simply before Medicare Part B, which is your doctor services.
Before that begins to pay, you have to pay the deductible.
And again, on Plan F, it's paid for you with your higher premiums.
With Plan G, the first amount, whatever that deductible is for the year, you
write the check for the medical bills.
And then after that, you get 100% coverage from Medicare, as well as your
Plan G.
So you might be saying, "Russell, sounds great, you sold me. That's it, I want
that."
Well, the easiest way to see what those Plan G rates will be for you
specifically is to just give us a call.
You can reach us at 1-888-891-0229.
And we'll not only look up Medicare Supplement Plan G for Mutual of Omaha,
but we'll match it up against the other companies.
Because we're an independent agency.
That means we can shop all the top rates.
If you go through us, you pay us nothing, however, you get that option of
seeing all those companies as well.
And you'd pay the same amount, whether you use us or if you went direct.
Now, what a benefit, where you can call us and get all of the rates from all the
companies, rather than calling an insurance carrier direct.
How many other companies do you think they're going to give you the rates for
if you call them direct?
You're gonna get one rate, and it's theirs.
We don't work for them, we work for you.
So give us a call today and we'll shop those rates.
Now, another Mutual of Omaha Medicare Supplement Plan that you might be
interested in, and I suggest we take a look at, is Medicare Plan N.
Plan N is nearly identical to Plan G, where you still pay that annual Medicare
Part B deductible.
However on Plan N, after that, you might have up to a $20 co-pay per doctor's
visit.
Also, with Plan N, if you visit the emergency room, there could be a $50
co-pay.
There will be, if you're not admitted.
If you get admitted, there's no co-pay, but if you go home, they're gonna charge
you a co-pay.
Why do they do this?
Well guess how many people go to the emergency room when it's not really an
emergency?
A lot of them.
So Medicare came out and said, "Look, we've got this Plan N, and if you go to
the emergency room, you go home, 50 bucks.
Just to keep people out of the emergency room for things like the sniffles.
Now, Plan N, there's one other thing that might come up, it's called Part B
Excess Charges.
I say 'might come up.' It's extremely rare.
In fact, none of my clients over a decade have ever seen these.
However, if you visit a doctor that does not accept the assigned rates for
Medicare, and that's like 3% of the doctors in the country, they could
charge up to 15% extra on your medical bills.
So most doctors just accept the assigned rates for Medicare.
This is probably a non-issue and you'll probably never see a Part B Excess
Charge.
I suggest we definitely look at Mutual of Omaha Medicare supplement Plan N.
it's a great option because it's got lower premiums than Plan G.
So if you don't visit the doctor very often, fantastic option, but it's also
got lower rate increases each year.
So that's the breakdown of the different plans offered by Mutual of Omaha that
are the most popular.
Now, Mutual of Omaha has a very generous household discount in many states,
up to 12%.
Most states are like that. A couple of them are a little lower.
We can show you if you get qualified for that discount and how much it would be
in your state.
Now, that discount is great because the 12%, where that's offered in various
states, not every state, you just simply have to live with somebody age 60 and
over.
Now, they don't even have to be applying, you simply just have to live
with them, and they will give you that 12% discount.
So it is worth looking at a Mutual of Omaha Medicare Supplement Plan as an
option, whether it's Plan G or Plan N.
Again, the easiest way to do that, you can visit Medisupps.com, our websites.
Or even faster, just give us a call.
We'll shop all of their plans, as well as other companies to see how much we
can save you.
And again, there's never a cost for our service.
Call us today at 1-888-891-0229 and we'll get you in the best spot with your
Medicare Supplement Insurance.