The bottom line: Mutual of Omaha is one of NerdWallet’s top Medicare Supplement Insurance picks for 2025. It stands out with large premium discounts and low complaint rates. Mutual of Omaha offers only a few Medigap plan types, though, and competitors might offer more perks. Jump to: Full Review
Mutual of Omaha Medicare Supplement Insurance pros and cons
Pros
- Members have few complaints: Members file complaints at rates well below the average for all Medigap insurance companies on the market.
- Large discounts: You can get about 12% off of premiums for living with another adult. That’s a larger discount than many competitors offer.
Cons
- Plan types: For new Medicare beneficiaries, only Medigap plans A, G and N are available in most states.
- Few perks: Competitors might offer more bundled extras.
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Our full review
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Mutual of Omaha Medicare Supplement Insurance rating
Mutual of Omaha Medigap earned 4 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing, coverage options, online quote availability, complaint data and more.
Based on these ratings, Mutual of Omaha Medicare Supplement Insurance is one of the highest rated options on our list of the best Medicare Supplement Insurance companies.
Mutual of Omaha Medicare Supplement Insurance plans
Mutual of Omaha offers these Medicare Supplement Insurance plan types available to any Medicare member:
Medigap Plan A — the basic benefits included in every Medigap plan without any extras.
Medigap Plan N — a plan with lower premiums but higher copays.
Medigap Plan G — the highest-coverage option available to new Medicare members. Available as either a standard plan or a high-deductible option.
Mutual of Omaha also offers Medigap Plan F and the high-deductible version of Plan F for beneficiaries who were eligible to enroll in Medicare prior to 2020. Newer Medicare members can’t buy these plans from any insurance company.
Mutual of Omaha’s plans in Minnesota and Wisconsin fit each state’s respective standards. (Those states use a different Medigap plan system than most of the country.)
More Nerdy Perspective
Mutual of Omaha scored 4 stars on NerdWallet's Medigap rubric. It's one of the companies I’d recommend most for 2025. Stand-out features include very low complaint rates and strong premium discounts. However, Mutual of Omaha offers few plan types and extra perks. All told, it’s worth considering Mutual of Omaha alongside quotes from a couple of other companies. You might also want to work with a licensed insurance agent or broker to choose your best option.
Cost for Mutual of Omaha Medigap plans
Mutual of Omaha’s premiums aren’t the cheapest, but they're not the highest, either. Mutual of Omaha’s premiums for Medigap Plan G were about 39% more expensive than the cheapest alternative, and premiums for Plan N were about 31% higher.
- How we evaluate Medigap companies’ prices
We compare prices in three cities. Each city has different average Medigap premiums:
Los Angeles: Higher costs.
Atlanta: Average costs.
Dallas: Lower costs.
We use Plan G and Plan N for price comparisons. New Medicare members usually pick one of those plan types.
The sections below show price estimates filed with the Centers for Medicare & Medicaid Services. Prices are for a 65-year old female nonsmoker. (Note: Some Medigap prices may be higher for males.)
Our tables compare the company’s prices to the cheapest alternative. For example, Mutual of Omaha's best price for Plan G in Los Angeles is next to the lowest price from any company on Medicare.gov for the same plan.
Plan G
Mutual of Omaha price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $193. | $162. |
Atlanta | $178. | $120. |
Dallas | $152. | $101. |
Plan N
Mutual of Omaha price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $133. | $124. |
Atlanta | $114. | $86. |
Dallas | $115. | $75. |
Mutual of Omaha Medigap discounts
Above-average discounts
Discounts can help you save on your Medigap premiums. We often see “household” discounts offered to people living with at least one other adult.
Mutual of Omaha’s household discount was about 12%, on average. That’s among the most generous we saw in our analysis.
Mutual of Omaha offered discounts in all three locations priced for this review. These are “roommate” discounts, so you don’t need to live specifically with a spouse to qualify.
Available discounts may vary according to factors such as your location, household status and how you apply for a policy.
Mutual of Omaha member complaints
52% fewer complaints than average
Mutual of Omaha has a great complaint rate. Its members file 52% fewer complaints compared to the industry average. That’s according to 2022 to 2024 data from the National Association of Insurance Commissioners.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Mutual of Omaha’s spending on care
82.3% for member benefits
Mutual of Omaha Medigap plans spend about 82.3% of premiums on member benefits, according to the most recent annual data. (The other 17.7% goes to overhead expenses like administrative costs, marketing, salaries and commissions.) For comparison, the average for all companies is 83.9%.
Medicare Supplement Insurance companies must report data on the premiums they collect and how much they spend to provide benefits for members. The minimum required by law for individual Medigap policies is 60%.
Additional benefits
The Medicare benefits of each Medigap plan are standardized, but companies can include other perks with that coverage. Here are extras available with some Mutual of Omaha policies:
Wellness discount program: Mutual of Omaha’s Mutually Well program offers some members low-cost gym memberships, discounts on wellness products and services, and an app to plan and track fitness activities.
Hearing aids and eyewear: Some policies offer discounts on hearing aids, vision exams and eyewear from certain providers.
Mutual of Omaha Medicare Supplement Insurance service area
Mutual of Omaha offers Medicare Supplement Insurance plans in Washington, D.C., and every state except Massachusetts.
Mutual of Omaha covers more than 1.3 million Medigap beneficiaries. Its share of the total Medicare Supplement Insurance market is about 9.3%.
Compare Medicare Supplement Insurance companies
Get more information below about some of the major Medicare Supplement Insurance companies. These insurers offer Medigap plans in most states, but specifics may vary depending on your location.
About Mutual of Omaha
Mutual of Omaha is headquartered in Omaha, Nebraska. It was founded in 1909 as the Mutual Benefit Health & Accident Association. The company changed its name to Mutual of Omaha in 1950. Mutual of Omaha sells Medicare Supplement Insurance, and its Medicare Advantage plans are co-branded with Wellcare. Other products include Mutual of Omaha life insurance, dental insurance and long-term care insurance. It also offers other financial services such as annuities, mortgages and investment services.
Find the right Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Best for Premium discounts
- Complaint rates are well below the market average.
- Sizable premium discounts.
- Few choices for plan type.
- Minimal perks.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Jul 22, 2025.
- 2.National Association of Insurance Commissioners. Company Complaint Index. Accessed Jul 22, 2025.
- 3.National Association of Insurance Commissioners. 2023 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Jul 22, 2025.
- 4.Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Jul 22, 2025.
- 5.National Association of Insurance Commissioners. 2023 Medicare Supplement Loss Ratios. Accessed Jul 22, 2025.
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 15 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. At the national level, our scored reviews include companies covering about two-thirds of all Medigap beneficiaries. At the state level, our research includes at least one of the two largest Medigap insurance companies in 48 of the 50 states, plus Washington, D.C.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Compare Medigap plans
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Premium discounts available | Learn more |
|---|---|---|---|---|---|
BEST OVERALL | |||||
5.0/5 | A, B, C, F, G, K, L and N. | Far fewer than expected | Above average | (844) 939-0223 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | |
BEST FOR EXTRA BENEFITS | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.5/5 | A, F, G and N. | Close to expected | Average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR PREMIUM DISCOUNTS | |||||
4.0/5 | A, F, G and N. | Far fewer than expected | Above average | on NerdWallet | |
BEST FOR MEMBER SATISFACTION | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | A, C, D, F, G and N. | Far fewer than expected | Below average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |