Mutual of Omaha Medicare Supplement Plan G

Mutual of Omaha is among the largest providers of Medicare Supplement Insurance, which is also called Medigap. And one of the most popular Medicare Supplement plans available is Plan G, which is among the Medigap plans sold by Mutual of Omaha.

What Is Mutual of Omaha Medigap Plan G?

Medicare Supplement Plan G covers a range of Medicare out-of-pocket costs such as deductibles, copayments and coinsurance.

In exchange for a monthly premium, Plan G members receive coverage for these costs and benefit from more predictable health care spending and fewer unexpected or surprise medical bills. 

What Does Mutual of Omaha Plan G Cover?

Mutual of Omaha Medicare Supplement Plan G benefits include all but one of the benefit categories a standardized Medicare Supplement Insurance plan can offer.

The Medicare Supplement plan comparison chart below details the Medicare costs covered by each type of standardized Medigap plan, including Plan G.

Medicare Part A Deductible

Medicare Part A includes a deductible that you have to pay if you’re admitted as an inpatient for care at a hospital, skilled nursing facility, mental health facility or other licensed Medicare facility.

The Part A deductible operates on a benefit period basis, which means that even if you satisfy the Part A deductible in one benefit period, you may still have to pay it again if you experience another benefit period in the same year.

The Part A deductible is $1,676 in 2025. Medigap Plan G from Mutual of Omaha will cover the full cost of this deductible, no matter how many benefit periods you experience in a single year. This can potentially save you a lot of money if you’re hospitalized even just once in a year, much less if you’re hospitalized several times.

Medicare Part A Coinsurance

Medicare Part A coinsurance for inpatient care can reach as high as $832 per day in 2025. Part A coinsurance is covered in full by Medicare Supplement Insurance Plan G.

Medicare Part B Coinsurance or Copayments

Medicare Part B covers most of your other medical care, such as doctor’s appointments, physical therapy, specialist visits and more.

When you receive care covered by Part B, you must pay a deductible of $257 for the year (in 2025) before your Part B benefits kick in. Once you reach your deductible, you typically must pay a coinsurance of 20% of the Medicare-approved amount for covered care.

Medigap Plan G covers your Part B coinsurance costs in full. This could potentially help you save a lot of money on most of your Medicare-covered care throughout the year, especially on more costly services such as certain diagnostic scans, test, cancer treatments and more.

First Three Pints of Blood

If you need a blood transfusion, Original Medicare doesn’t cover the first three pints of blood, and coverage only begins starting with the fourth pint.

Medicare Supplement Plan G from Mutual of Omaha or any other provider will pay for the cost of the first three pints of blood. 

Medicare Part A Hospice Care Coinsurance or Copayments

Medicare hospice care coverage requires small copayments for prescription drugs and products used for symptom control and pain relief, and a 5% coinsurance charge for respite care. These copayments and coinsurance are both covered by Mutual of Omaha Medicare Supplement Plan G. 

Skilled Nursing Facility Care Coinsurance

A Medicare-covered skilled nursing facility stay of more than 20 days in the same benefit period requires a daily copayment of $209.50 in 2025. Plan G covers the full cost of these daily copayments.     

Medicare Part B Excess Charges

Certain Medicare providers are allowed to charge up to 15% more than the Medicare-approved amount for their services or items in what is known as an “excess charge.” Medicare Supplement Plan G covers any excess charges in full. 

Foreign Travel Emergency Care

Plan G covers 80% of the cost of emergency care administered outside the U.S. That is the highest amount of coverage available for any Medicare Supplement Insurance plan. 

What Does Mutual of Omaha Plan G Not Cover?

The only Medigap benefit area not covered by Plan G is the Medicare Part B deductible. The Part B deductible is $257 per year in 2025. 

Only two Medigap plans provide coverage for the Part B deductible: Plan C and Plan F. Neither plan is available to incoming Medicare beneficiaries. Only those who were eligible for Medicare prior to January 1, 2020, may apply for Medicare Supplement Plan F or Plan C. 

What Is the Deductible for High-Deductible Mutual of Omaha Plan G?

Medigap Plan G also has a high-deductible version of the plan available in some areas.

With high-deductible Plan G, your Plan G coverage kicks in once you reach a deductible of $2,870 (in 2025). Once you have spent $2,870 out of pocket on covered care, Plan G then begins its coverage. 

The tradeoff for having the deductible is often paying a lower monthly premium.  

How Much Does Medicare Supplement Plan G Cost?

Medicare Supplement Insurance plan costs can vary by plan, location, carrier and more.

Plan premiums vary and may be different where you live, and there may be more, fewer or different plans available where you live.

Does Mutual of Omaha Medicare Supplement Cover Dental?

No, Medicare Supplement Insurance plans don’t cover dental care. However, Mutual of Omaha sells standalone dental insurance plans and dental savings plans that you may be able to purchase in addition to your Medigap plan. 

Are All Medicare Supplement Plan G Options the Same?

All Medicare Supplement Plan G policies are the same in the sense that the benefits are standardized by the federal government. That means every Plan G provides the same coverage detailed above no matter where it is sold or what insurance company sells the plan.

However, insurance companies may throw in some additional perks to those who enroll in a Medigap plan.

For instance, some of the extra benefits that can come along with a Mutual of Omaha Medicare Supplement plan (but only in some states) may include a free membership to Mutually Well, the Mutual of Omaha senior fitness and wellness program that is similar to SilverSneakers. 

Helpadvisor.com is owned and operated by Tranzact, the parent company of TZ Insurance Solutions LLC, which is the owner/operator of MedicareSupplement.com and other websites mentioned on HelpAdvisor and which has a financial relationship with some of the carriers listed on HelpAdvisor.