Mutual of Omaha offers several different types of supplement insurance plans nationwide, including Plan A, C, D, F, G, and N.
Medicare supplement insurance plans, also known as Medigap, help pay for costs that Original Medicare doesn’t cover. Medigap plans are sold by private insurance companies, such as Mutual of Omaha.
There are currently 10 different types of Medigap plans, and Mutual of Omaha offers six of them. Each plan is designated by a letter.
Plan A is the most basic Medigap plan. In fact, any insurance company selling Medigap is required to make Plan A available for purchase.
Plan C offers more robust coverage than Plan A. It covers:
- copays and coinsurance associated with Parts A and B
- deductibles for Parts A and B
- emergency care during foreign travel
Beginning on January 1, 2020, people newly eligible for Medicare cannot purchase Plan C. If you already had Plan C or were eligible before 2020, you may keep or buy it.
Plan D covers everything that’s covered by Plan C.
Because of this, Plan D may be a good option for those who can no longer purchase Plan C.
Plan F offers the widest variety of coverage of any Medigap plan. This includes:
- copays and coinsurance associated with Parts A and B
- deductibles for Parts A and B
- excess charges associated with Part B
- emergency care during foreign travel
Like Plan C, Plan F also covers the Part B deductible. Because of this, it’s no longer available to people new to Medicare as of January 1, 2020.
There’s also a high-deductible version of Plan F. While the monthly premiums are lower for these plans, you’ll have to meet a deductible before it begins covering costs.
Plan G has the same benefits as Plan F except for the Part B deductible. So, it’s still available to new Medicare beneficiaries who may be seeking an inclusive level of coverage.
Similar to Plan F, there’s also a high-deductible option for Plan G.
Some of the main areas covered in Plan N include:
- copays and coinsurance associated with Parts A and B
- deductible for Part A
- emergency care during foreign travel
All Medigap plans are standardized. This means that each type of plan must provide the same level of basic coverage, regardless of the company offering it.
For example, the basic benefits of a Plan D policy offered by Mutual of Omaha must be the same as those offered by Blue Cross Blue Shield.
Part A benefits
Part A covers inpatient care at a variety of different facilities. Depending on the plan, Medigap may help cover your:
- deductible
- hospital costs and associated coinsurance
- skilled nursing facility coinsurance
- hospice copays and coinsurance
- blood (first 3 pints)
Part B benefits
Part B covers various types of outpatient services as well as some types of preventive care. Depending on the plan, Medigap may help cover your:
- deductible (if you were eligible for Medicare before 2020)
- coinsurance
- copays
- excess charges
Foreign travel expenses
Some Medigap plans provide coverage for emergency care that’s needed when you’re traveling outside of the country. However, there’s a lifetime limit of $50,000 for this benefit.
Although Medigap coverage is standardized, costs can vary by company. The cost of a Mutual of Omaha Medigap plan depends on the type of plan and where you live.
The table below compares the 2025 monthly premium costs of the different Mutual of Omaha Medigap plans in several cities across the country.
| Monthly Premium | Providence, RI | Denver, CO | Atlanta, GA | San Francisco, CA |
|---|---|---|---|---|
| Plan A | $125 to $456 | $121 to $386 | $122 to $1,607 | $147 to $479 |
| Plan C | – | – | – | – |
| Plan D | – | – | – | – |
| Plan F | $183 – $565 | $191 to $605 | $256 to $3,383 | $215 to $704 |
| Plan F (high deductible) | – | – | – | – |
| Plan G | $134 to $454 | $143 to $455 | $176 to $2,330 | $172 to $565 |
| Plan G (high deductible) | $41 to $138 | $55 to $176 | $55 to $699 | $58 to $181 |
| Plan N | $101 to $324 | $93 to $326 | $113 to $1,488 | $128 to $417 |
Mutual of Omaha offers six different Medigap plans nationwide. However, some plans may not be available in all locations.
Each type of Medigap plan is standardized to offer the same amount of basic coverage. The cost of a plan depends on the specific type of plan, where you live, and how a company sets its monthly premiums.
Since the availability and cost of Medigap plans can vary, it’s important to compare several different options that are offered in your location. You can do that through the Medicare website.