United of Omaha Medicare Supplement plans provide reliable coverage backed by a financially stable insurance company with over 140 years of experience.
Key Takeaways
- United of Omaha is part of Mutual of Omaha, a highly-rated insurance company with strong financial stability.
- Offers standard Medicare Supplement plans A, G, and N with competitive pricing.
- Features household discounts for married couples and simplified underwriting in some states.
- Customer service receives mixed reviews, with some complaints about rate increases.
- May not be available in all states, requiring comparison shopping with local competitors.
- Strong financial ratings make it a trustworthy choice for long-term Medicare coverage.
About United of Omaha
United of Omaha is a subsidiary of Mutual of Omaha, founded in 1909.
The company has built a solid reputation in the insurance industry over more than a century. Mutual of Omaha holds an “A+” (Superior) rating from A.M. Best, indicating excellent financial strength and ability to pay claims.
This financial stability is crucial for Medicare beneficiaries who need assurance their coverage will remain intact for years to come. A.M. Best affirmed United of Omaha’s parent company Mutual of Omaha’s A+ (Superior) financial strength rating in March 2025, citing the company’s very strong balance sheet strength and strong operating performance.
United of Omaha serves customers across multiple states, though availability varies by region.
Get a Free Medicare Supplement Quote
Understanding Medicare Supplement Plans
Medicare supplement plans, also called Medigap, fill the gaps left by Original Medicare.
Original Medicare covers about 80% of approved medical expenses, leaving beneficiaries responsible for deductibles, coinsurance, and copayments. These out-of-pocket costs can add up quickly, especially for seniors on fixed incomes.
Medigap plans are standardized by the federal government, meaning Plan G from United of Omaha offers the same benefits as Plan G from any other insurance company. The main differences between insurers are pricing, customer service, and additional perks.
United of Omaha Medicare Supplement Plans Available
United of Omaha offers three main Medicare Supplement plans to meet different coverage needs and budgets.
Plan A
Plan A provides basic coverage including:
- Medicare Part A coinsurance and hospital costs
- Medicare Part B coinsurance or copayments
- First three pints of blood each year
Plan G
Plan G is the most comprehensive option, covering:
- All Plan A benefits
- Medicare Part A deductible
- Medicare Part B excess charges
- Skilled nursing facility coinsurance
- Foreign travel emergency coverage
Plan G has become the most popular Medigap choice since Plan F is no longer available to new Medicare beneficiaries.
Plan N
Plan N offers a middle-ground option with:
- Most Plan G benefits
- Small copayments for some doctor visits and emergency room visits
- Lower monthly premiums than Plan G
Plan N requires copayments of up to $20 for office visits and up to $50 for emergency room visits that don’t result in admission.
Pricing and Availability
United of Omaha uses community-rated pricing in most states, meaning premiums don’t increase based on age.
However, rates can still increase due to inflation, medical cost trends, and other factors affecting the entire risk pool. This pricing method often provides more predictable costs compared to attained-age rating used by some competitors.
According to A.M. Best’s latest rating affirmation, financial strength ratings help consumers evaluate an insurance company’s ability to meet ongoing insurance policy and contract obligations.
Premium costs vary significantly by state and ZIP code. For example, Plan G might cost $120 per month in one state but $180 in another. It’s essential to compare United of Omaha rates with other insurers in your specific area.
The company offers household discounts of up to 7% for married couples when both spouses enroll in United of Omaha Medicare Supplement plans.
Pros and Cons of United of Omaha
Advantages
- Financial Stability: A.M. Best “A+” rating provides confidence in long-term coverage
- Competitive Pricing: Often offers reasonable rates compared to other national insurers
- Household Discounts: Savings available for married couples
- Simplified Underwriting: Available in some states during certain periods
- National Presence: Operates in multiple states with consistent service
Disadvantages
- Limited Online Tools: Website lacks some self-service features competitors offer
- No Part D Coverage: Requires separate prescription drug plan enrollment
- Rate Increases: Premiums can increase annually like most Medigap insurers
- Regional Availability: Not available in all states or counties
How United of Omaha Compares to Competitors
| Feature | United of Omaha | AARP/UnitedHealthcare | Humana |
|---|---|---|---|
| Financial Rating | A+ (A.M. Best) | A (A.M. Best) | A+ (A.M. Best) |
| Household Discount | Up to 7% | Up to 10% | Varies by state |
| Online Tools | Basic | Comprehensive | Good |
| State Availability | Limited | Nationwide | Nationwide |
United of Omaha often falls in the middle range for pricing compared to other national carriers. AARP Medicare Supplement plans typically offer more extensive online resources and wider availability, while Humana may provide additional wellness programs in some areas.
The key is comparing actual quotes in your specific ZIP code, as pricing can vary dramatically by location.
Who Should Consider United of Omaha
United of Omaha Medicare Supplement plans work well for several types of Medicare beneficiaries.
Ideal Candidates:
- Seniors who prioritize financial stability and want coverage from a highly-rated insurer
- Couples looking to save money through household discounts
- Medicare beneficiaries who prefer straightforward coverage without extra bells and whistles
- People in areas where United of Omaha offers competitive pricing
Consider Other Options If:
- You need extensive online account management tools
- United of Omaha isn’t available in your area
- Other insurers offer significantly lower premiums in your location
- You want additional benefits beyond standard Medigap coverage
Get a Free Medicare Advantage Quote
Select whether you would like quotes on Medicare Advantage and MAPD plans, or Part D prescription plans.
Making Your Medicare Supplement Decision
United of Omaha offers solid Medicare Supplement coverage backed by strong financial ratings and competitive pricing in many markets.
The company’s long history and A+ rating from A.M. Best provide confidence that your coverage will be there when you need it most. However, like any insurance decision, it’s crucial to compare your options rather than choosing based on brand recognition alone.
Consider factors like monthly premiums, rate increase history, customer service quality, and additional benefits when evaluating United of Omaha against other Medicare Supplement insurers. The “best” plan is the one that offers the coverage you need at a price you can afford from a company you trust.
Don’t forget that Medicare Supplement plans are standardized, so Plan G from United of Omaha provides identical benefits to Plan G from any other insurer. Focus on finding the right combination of price, service, and financial stability for your situation.
Talk to a licensed Medicare expert to find your best-fit coverage. Our Personal Benefits Managers can help you compare United of Omaha Medicare Supplement plans with other top-rated insurers in your area and find the option that best meets your needs and budget.
For Further Reading:
Frequently Asked Questions
Does United of Omaha cover prescription drugs?
No, Medicare Supplement plans don’t include prescription drug coverage. You’ll need to enroll in a separate Medicare Part D plan.
Can I switch from another Medicare Supplement plan to United of Omaha?
Yes, but you may need to answer health questions unless you qualify for guaranteed issue rights during specific situations.
How often do United of Omaha rates increase?
Like most Medicare Supplement insurers, United of Omaha may increase rates annually based on medical inflation and claims experience.
Is United of Omaha available in my state?
United of Omaha operates in multiple states but isn’t available everywhere. Check with a licensed agent to confirm availability in your area.
What's the difference between United of Omaha and Mutual of Omaha?
United of Omaha is the Medicare Supplement division of Mutual of Omaha Insurance Company. They’re part of the same organization.
Tom Lockwood is a Personal Benefits Manager at MediGap Advisors. Tom has a passion for bringing clarity to those confused about Medicare. He is an authority on Medicare, Medicare supplement plans, Medicare Advantage plans, and Part D prescription drug plans. Read more about Tom on his Bio page.