The Missouri State Board of Insurance has licensed Mutual of Omaha Insurance Co to sell Mutual of Omaha Medigap plans (Medicare Supplement insurance) to Missouri seniors with Medicare benefits. Medicare Supplements help pay the deductibles, copayments and coinsurance that come with Original Medicare. The underwriter has been selling supplemental insurance in Missouri for over 46 years. Their plan offerings are outlined below. A.M. Best Company, a nationally recognized insurance rating company, gave Mutual of Omaha an A+ rating.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
Missouri seniors with Medicare benefits are eligible to apply for a Mutual of Omaha Insurance Co Medigap Plan A policy. It's a Issue Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- Old Surety Medigap Plan A (Missouri)
- Globe Life Medigap Plan A (Missouri)
- UnitedHealthcare Medigap Plan A (Missouri)
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in Missouri. Mutual of Omaha Insurance Co offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in Missouri by comparing quotes from these insurance carriers:
- Old Surety Medigap Plan F (Missouri)
- Bankers Fidelity Medigap Plan F (Missouri)
- American Republic Corp Medigap Plan F (Missouri)
Plan G has almost as much coverage as a Plan F. The difference is the Part B deductible. After your annual Medicare Part B deductible is met, this plan will cover the coinsurance amount of Medicare-approved medical services, which is generally 20% of the approved amount.
If you stay in the hospital for longer than 60 days, but less than 90 days, Plan G covers your Medicare Part A coinsurance for each benefit period. For each Medicare “hospital reserve day” you use, Plan G pays the full per day Medicare Part A coinsurance amount. “Hospital reserve days” are 60 nonrenewable hospital days that Medicare provides you which can only be used once in a lifetime. After all Medicare hospital benefits are exhausted, Plan G covers 100% of Medicare Part A eligible hospital expenses.
Most experts agree that Plan G is the best alternative to the F Plan. It offers all of the same benefits, except the Part B deductible. Mutual of Omaha Insurance Co offers a Plan G and we think it's worth comparing with the rates offered by these carriers:
- GPM Life Medigap Plan G (Missouri)
- Bankers Fidelity Medigap Plan G (Missouri)
- Forethought Life Medigap Plan G (Missouri)
You are eligible to apply for a Mutual of Omaha Medicare Supplement if you are:
- A resident of Missouri,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
Mutual of Omaha offers plans in Saint Louis, Kansas City, Springfield, Independence, Columbia, Lees Summit, O'Fallon, Saint Joseph, Saint Charles, Blue Springs, Saint Peters, Florissant, Joplin, Chesterfield and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on