UnitedHealthcare vs. Mutual of Omaha Medicare Supplement Plans
- UnitedHealthcare and Mutual of Omaha both sell Medicare Supplement Insurance (Medigap) plans. Our review compares UnitedHealthcare vs. Mutual of Omaha Medicare Supplement plans, including AARP Medicare Supplement plans offered by UnitedHealthcare.
Medicare Supplement Insurance, or Medigap, is sold by many different insurance companies all over the U.S. Two of the industry leaders are UnitedHealthcare (UHC) and Mutual of Omaha.
In this Medicare plans review, we compare some key features of UnitedHealthcare vs. Mutual of Omaha Medicare Supplement plans.
UnitedHealthcare/AARP vs. Mutual of Omaha: Company Ratings
UnitedHealthcare offers Medicare Supplement plans through a partnership with AARP. UHC, AARP and Mutual of Omaha are each large companies with longstanding reputations.
Mutual of Omaha has earned financial strength ratings of A+ from A.M. Best and Standard & Poor’s, A1 from Moody’s and an A from Fitch Ratings.
Mutual of Omaha is also BBB accredited with an A+ rating.
UnitedHealthcare financial strength ratings include an A from A.M. Best, A from Fitch Ratings, A2 from Moody’s and A+ from Standard & Poor’s.
What Is Medicare Supplement?
There are 10 standardized Medicare Supplement Insurance plans available in most states, and the benefits of each type of plan are standardized by the federal government. Aside from any enrollment incentives, Plan A from AARP and UnitedHealthcare will offer the same coverage as Plan A from Mutual of Omaha. And that remains true for any plan of the same identifying letter.
Here is a comparison chart showing the standardized 2024 Medicare Supplement plans available in most states.
| Medicare Supplement Benefits | A | B | C1 | D | F1 | G | K | L | M | N |
| Part A coinsurance and hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| First 3 pints of blood | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A hospice care co-insurance or co-payment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Co-insurance for skilled nursing facility | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ||
| Medicare Part A deductible | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ | |
| Medicare Part B deductible | ✓ | ✓ | ||||||||
| Medicare Part B excess charges | ✓ | ✓ | ||||||||
| Foreign travel emergency | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| 1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,870 in 2025. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 3. Plan K has an out-of-pocket yearly limit of $7,220 in 2025. Plan L has an out-of-pocket yearly limit of $3,610 in 2025. 4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission. View an image version of this table. |
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UnitedHealthcare vs. Mutual of Omaha: Medigap Plan Selection
Through its partnership with AARP, UnitedHealthcare sells eight of the 10 standardized Medigap plans available in most states. Mutual of Omaha sells only four plans.
Please note that not all plans are available in every location. You can compare your local plan availability to find your best Medigap plan option.
| UnitedHealthcare / AARP | Plan | Mutual of Omaha |
|---|---|---|
| ✔ | A | ✔ |
| ✔ | B | |
| ✔ | C | |
| ✔ | D | |
| ✔ | F | ✔ |
| High-deductible F | ||
| ✔ | G | ✔ |
| High-deductible G | ✔ | |
| ✔ | K | |
| ✔ | L | |
| M | ||
| ✔ | N | ✔ |
UnitedHealthcare offers more plans overall, with the added options of plans B, C, D, K and L. However, Mutual of Omaha Medicare Supplement offers the high-deductible versions of plans F and G, while UnitedHealthcare does not.
Who Offers Better Medicare Supplement Rates?
Medicare Supplement Insurance plan costs can vary between plans, locations and carriers. It should be noted that AARP/UnitedHealthcare Medigap plans are only available to those with an AARP membership, which costs $16 per year.
Please note that Mutual of Omaha insurance Medicare Supplement insurance plans are insured by underwriters:
- Omaha Insurance Company
- Omaha Supplemental Insurance Company
- United World Life Insurance Company
- Mutual of Omaha Insurance Company
Medicare Supplement monthly plan premiums can vary based on age, gender and more. The only way to know which company is more affordable for you is to compare plans in your specific location using a tool like the Medicare plan finder.
What Medigap Benefits Do UnitedHealthcare and Mutual of Omaha Offer?
The coverage included with each respective Medicare Supplement Insurance plan is the same whether you purchase it from UnitedHealthcare or Mutual of Omaha. However, each company may offer some unique enrollment incentives when you apply for a plan.
With UnitedHealthcare AARP Medigap plans, beneficiaries in certain states can pay a small additional premium to receive access to:
- Renew Active, which is the company’s senior fitness and wellness program that includes a basic gym membership, similar to the SilverSneakers program
- Staying Sharp, an online brain health assessment and improvement program
- Discounts on routine dental, vision and hearing services
- A 24/7 nurse hotline
- The AARP Smart Driver course to refresh and improve driving skills
Mutual of Omaha may offer some similar benefits in your area, with a membership to the company’s fitness program called Mutually Well and discounts on vision and hearing services, as well as for various healthy living products available to beneficiaries in certain states.
Unlike UnitedHealthcare, Mutual of Omaha incentives may not always require any additional costs added to your monthly premiums.
UnitedHealthcare vs. Mutual of Omaha: Review
It’s easy to understand why UnitedHealthcare and Mutual of Omaha are so well-recognized within the Medicare Supplement Insurance business. Each are large and well-established companies offering a diverse selection of plans at affordable rates and with generous incentives.
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. This may influence which products we write about, but HelpAdvisor maintains editorial independence, and our opinions and evaluations are our own.
