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Mutual of Omaha - Illinois Medicare Supplement Plans

Medicare Supplement Plans - Overview

Mutual of Omaha Medicare Supplement Plans are highly popular in Illinois and usually have the lowest rates. They take an attained-age rating approach to pricing their Medicare supplements and have lower rates for non-tobacco users.

By law, Medicare Supplement insurance is standardized into twelve plans (Plans A through L). That means Plan F from one company must include the same benefits as plan F from another company. While the benefits must be the same, each company's rates, reputation, membership features and quality of service can vary. With Mutual of Omaha, you don't have to sacrifice comprehensive benefits or freedom-of-choice for affordability. Their Medicare Supplement plans provide substantial benefits at rates that can save you money over other plans.

In Illinois, Mutual of Omaha currently offers 3 Medicare Supplements:

Plan F is by far the most popular Medicare Supplement plan.

Mutual of Omaha Member Benefits

All Mutual of Omaha Medicare Supplement plans give you:

  • Guaranteed Acceptance with no health questions asked during intial enrollment period
  • Freedom to choose any doctors or specialists
  • Coverage with domestic travel (Plan F and Plan G cover foreign travel)
  • Guaranteed renewability regardless of changes in your health
  • Coverage guaranteed to match Medicare's cost increases year after year
  • No claim forms, in most cases
  • Vision Discount Plan included in every plan at no cost.

What Medicare Doesn't Cover

Medicare does not cover all health care costs. Medicare coverage consists of Part A (which covers hospital and skilled nursing facility care), and Part B (which covers doctor bills and other medical expenses).

Even with Medicare Part A and Part B coverage, you're responsible for some out-of-pocket expenses including:

  • Part A hospital deductible ($1,216)
  • Part B deductible ($147)
  • Copayments for hospital stays over 60 days
  • Care in a skilled nursing facility after 20 days
  • Twenty percent coinsurance for doctor bills and other medical expenses

Medicare Supplement Basic Benefits

Basic benefits included in all Medicare Supplement plans include:

  • Hospitalization - Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
  • Medical Expenses - Part B coinsurance (generally 20% of Medicare-approved expenses), or in the case of hospital outpatient department services under a prospective payment system, applicable copayments.
  • Blood - First three pints of blood each year.

Mutual of Omaha Medicare Supplement Plans Comparison

For a more detailed description of the plan benefits and rates, view the Mutual of Omaha Medicare Supplement descriptions.

Basic Benefits X X X
Skilled Nursing Coinsurance - X X
Part A Deductible - X X
Part B Deductible - X -
Part B Excess (100%) - X X
Foreign Travel Emergency - X X
At Home Recovery - - -
Annual Out-of-Pocket Cost - - -