Mutual of Omaha Medicare Supplement Plan G
I've been comparing Mutual of Omaha with other Medigap carriers for many years, working with clients based on their ZIP code, eligibility, pricing, and available discounts.
Mutual of Omaha Plan G is a dependable option, but I wouldn't choose it based on the company name alone — here's what I actually check before recommending it to a client.
My Take on Mutual of Omaha Plan G
Their biggest strengths are their long history in Medicare Supplement insurance, availability in many states, and a household discount in many of them.
Their main weakness is that the premium can be noticeably higher than competing Plan G policies in some ZIP codes.
Because every Plan G policy provides the same standardized medical benefits, I recommend comparing Mutual of Omaha's current premium, household discount, and recent rate history against at least two or three other companies available in your area.
Mutual of Omaha makes the most sense when their premium is reasonably close to the lowest rate among the financially strong carriers available to that applicant.
It may not be the right choice if another financially strong carrier offers the identical standardized Plan G benefits for substantially less.
In This Article
Is Every Plan G the Same?
Yes — standardized Plan G medical benefits are the same regardless of the insurance company selling the policy.
That single fact is what makes the price comparison later in this article so important: if the standardized medical benefits are identical, you're not getting richer Plan G coverage simply because you pay a higher premium.
Plan G is the most comprehensive standardized Medigap plan generally available to people who became eligible for Medicare on or after January 1, 2020.
Benefits are standardized by federal law — the same regardless of which company you buy from, including Mutual of Omaha.
If you're still deciding whether Plan G is right for you, see our complete guide to Medicare Supplement Plan G before comparing carriers.
| Plan G Generally Covers | Plan G Does Not Cover |
|---|---|
| Part A hospital deductible & coinsurance | Annual Part B deductible |
| Part B coinsurance | Prescription drugs |
| Skilled nursing coinsurance | Routine dental, vision & hearing |
| Part B excess charges | Long-term custodial care |
| Limited foreign-travel emergencies | Non-Medicare-covered services |
Mutual of Omaha Plan G doesn't use a separate provider network or impose Medicare Advantage-style referrals — Medicare must first approve and cover the service before Plan G pays its portion.
Compare Mutual of Omaha Plan G Prices in Your State
Mutual of Omaha's Plan G price can look very different depending on where you live.
Select your state below to compare Mutual of Omaha with other available carriers in one sample ZIP code, using our CSG Actuarial quoting software and a consistent applicant profile.
Quotes collected: August 2026
Alabama ZIP 35242
Humana $196.80 → HealthSpring $201.01 → UHC $218.51 → Mutual of Omaha $281.60
Highest of 4 — $84.80/mo (~$1,018/yr) more than lowest (Humana).
Alaska ZIP 99654
UHC $206.80 → HealthSpring $233.37 → Aetna $238.15 → Mutual of Omaha $253.08
Highest of 4 — $46.28/mo (~$555/yr) more than lowest (UHC).
Arizona ZIP 85142
UHC $227.81 → HealthSpring $238.64 → Aetna $250.07 → Mutual of Omaha $279.64
Highest of 4 — $51.83/mo (~$622/yr) more than lowest (UHC).
Arkansas ZIP 72764
HealthSpring $155.90 → Humana $199.19 → Aetna $213.58 → Mutual of Omaha $231.35
Highest of 4 — $75.45/mo (~$905/yr) more than lowest (HealthSpring).
California ZIP 92336
HealthSpring $203.04 → UHC $223.12 → Mutual of Omaha $240.85 → Aetna $255.56
Middle of 4 — $37.81/mo more than lowest (HealthSpring), $14.71/mo less than highest (Aetna).
Colorado ZIP 80134
HealthSpring $214.89 → UHC $216.56 → Humana $221.59 → Mutual of Omaha $266.45
Highest of 4 — $51.56/mo (~$619/yr) more than lowest (HealthSpring).
Connecticut ZIP 06902
HealthSpring $308.07 → UHC $333.00 → Mutual of Omaha $461.94
Highest of 3 — $153.87/mo (~$1,846/yr) more than lowest (HealthSpring).
Delaware ZIP 19720
HealthSpring $184.27 → Humana $202.04 → UHC $208.90 → Mutual of Omaha $273.13
Highest of 4 — $88.86/mo (~$1,066/yr) more than lowest (HealthSpring).
Florida ZIP 34787
HealthSpring $225.34 → Mutual of Omaha $256.80 → UHC $287.93 → Humana $291.67
Middle of 4 — $31.46/mo more than lowest (HealthSpring), $34.87/mo less than highest (Humana).
Georgia ZIP 30043
Humana $210.33 → UHC $223.00 → HealthSpring $227.84 → Mutual of Omaha $294.07
Highest of 4 — $83.74/mo (~$1,005/yr) more than lowest (Humana).
Hawaii ZIP 96706
Mutual of Omaha $177.54 → UHC $199.60 → HealthSpring $228.74 → Humana $300.27
Lowest of 4 — $22.06/mo cheaper than next (UHC), $122.73/mo (~$1,473/yr) cheaper than highest (Humana).
Idaho ZIP 83646
Aetna $259.98 → Humana $272.80 → UHC $278.75 → Mutual of Omaha $296.13
Highest of 4 — $36.15/mo (~$434/yr) more than lowest (Aetna).
Illinois ZIP 60629
HealthSpring $195.32 → UHC $217.75 → Mutual of Omaha $246.48 → Humana $246.74
Middle of 4 — $51.16/mo more than lowest (HealthSpring), $0.26/mo less than highest (Humana).
Indiana ZIP 47906
HealthSpring $160.07 → Mutual of Omaha $185.14 → UHC $213.86 → Aetna $215.33
Middle of 4 — $25.07/mo more than lowest (HealthSpring), $30.19/mo less than highest (Aetna).
Iowa ZIP 50023
HealthSpring $154.33 → UHC $197.37 → Aetna $230.32 → Mutual of Omaha $237.51
Highest of 4 — $83.18/mo (~$998/yr) more than lowest (HealthSpring).
Kansas ZIP 66062
HealthSpring $190.06 → UHC $218.50 → Aetna $223.74 → Mutual of Omaha $253.12
Highest of 4 — $63.06/mo (~$757/yr) more than lowest (HealthSpring).
Kentucky ZIP 40475
UHC $214.09 → Humana $220.33 → HealthSpring $222.62 → Mutual of Omaha $312.65
Highest of 4 — $98.56/mo (~$1,183/yr) more than lowest (UHC).
Louisiana ZIP 70726
UHC $229.49 → HealthSpring $230.22 → Humana $243.88 → Mutual of Omaha $244.92
Highest of 4 — $15.43/mo (~$185/yr) more than lowest (UHC).
Maine ZIP 04401
Mutual of Omaha $251.59 → UHC $315.50 → Humana $462.81
Lowest of 3 — $63.91/mo cheaper than next (UHC), $211.22/mo (~$2,535/yr) cheaper than highest (Humana).
Maryland ZIP 20906
Humana $205.47 → HealthSpring $240.61 → UHC $255.87 → Mutual of Omaha $277.99
Highest of 4 — $72.52/mo (~$870/yr) more than lowest (Humana).
Michigan ZIP 48197
UHC $198.08 → Humana $198.66 → Mutual of Omaha $216.81 → Aetna $226.33
Middle of 4 — $18.73/mo more than lowest (UHC), $9.52/mo less than highest (Aetna).
Mississippi ZIP 38654
Humana $176.36 → UHC $186.52 → HealthSpring $198.47 → Mutual of Omaha $235.38
Highest of 4 — $59.02/mo (~$708/yr) more than lowest (Humana).
Missouri ZIP 63376
UHC $269.25 → HealthSpring $280.75 → Aetna $301.81 → Mutual of Omaha $355.18
Highest of 4 — $85.93/mo (~$1,031/yr) more than lowest (UHC).
Montana ZIP 59901
HealthSpring $174.37 → Mutual of Omaha $223.57 → UHC $230.32 → Aetna $232.49
Middle of 4 — $49.20/mo more than lowest (HealthSpring), $8.92/mo less than highest (Aetna).
Nebraska ZIP 68516
HealthSpring $189.58 → Mutual of Omaha $217.44 → UHC $244.13 → Humana $258.12
Middle of 4 — $27.86/mo more than lowest (HealthSpring), $40.68/mo less than highest (Humana).
Nevada ZIP 89110
HealthSpring $202.30 → Humana $249.02 → UHC $251.30 → Mutual of Omaha $369.59
Highest of 4 — $167.29/mo (~$2,007/yr) more than lowest (HealthSpring).
New Hampshire ZIP 03103
UHC $219.75 → Mutual of Omaha $238.76 → HealthSpring $243.82 → Aetna $308.38
Middle of 4 — $19.01/mo more than lowest (UHC), $69.62/mo less than highest (Aetna).
New Jersey ZIP 08701
HealthSpring $214.14 → Mutual of Omaha $228.02 → UHC $237.23 → Humana $244.81
Middle of 4 — $13.88/mo more than lowest (HealthSpring), $16.79/mo less than highest (Humana).
New Mexico ZIP 87121
HealthSpring $133.41 → Aetna $191.09 → UHC $191.60 → Mutual of Omaha $210.87
Highest of 4 — $77.46/mo (~$930/yr) more than lowest (HealthSpring).
New York ZIP 11368
UHC $370.50 → Mutual of Omaha $509.36 → Humana $707.98
Middle of 3 — $138.86/mo more than lowest (UHC), $198.62/mo less than highest (Humana).
North Carolina ZIP 27587
HealthSpring $171.92 → UHC $186.79 → Humana $189.42 → Mutual of Omaha $212.34
Highest of 4 — $40.42/mo (~$485/yr) more than lowest (HealthSpring).
North Dakota ZIP 58104
HealthSpring $166.68 → Mutual of Omaha $252.17 → Humana $267.86 → UHC $279.91
Middle of 4 — $85.49/mo more than lowest (HealthSpring), $27.74/mo less than highest (UHC).
Ohio ZIP 45011
HealthSpring $164.38 → UHC $204.79 → Mutual of Omaha $224.44 → Aetna $225.08
Middle of 4 — $60.06/mo more than lowest (HealthSpring), $0.64/mo less than highest (Aetna).
Oklahoma ZIP 73099
UHC $211.93 → Humana $229.21 → HealthSpring $232.97 → Mutual of Omaha $257.46
Highest of 4 — $45.53/mo (~$546/yr) more than lowest (UHC).
Oregon ZIP 97229
Mutual of Omaha $259.97 → UHC $260.53 → Aetna $407.86 → Humana $408.43
Lowest of 4 — $0.56/mo cheaper than next (UHC), $148.46/mo (~$1,782/yr) cheaper than highest (Humana).
Pennsylvania ZIP 19120
HealthSpring $209.34 → Humana $227.42 → UHC $237.57 → Mutual of Omaha $285.47
Highest of 4 — $76.13/mo (~$914/yr) more than lowest (HealthSpring).
Rhode Island ZIP 02860
Humana $166.86 → UHC $199.30 → Aetna $211.50 → Mutual of Omaha $234.66
Highest of 4 — $67.80/mo (~$814/yr) more than lowest (Humana).
South Carolina ZIP 29072
Mutual of Omaha $187.76 → UHC $193.86 → HealthSpring $203.61 → Aetna $211.83
Lowest of 4 — $6.10/mo cheaper than next (UHC), $24.07/mo (~$289/yr) cheaper than highest (Aetna).
South Dakota ZIP 57106
HealthSpring $225.50 → Aetna $240.65 → UHC $243.67 → Mutual of Omaha $260.29
Highest of 4 — $34.79/mo (~$417/yr) more than lowest (HealthSpring).
Tennessee ZIP 37013
HealthSpring $176.96 → UHC $188.01 → Mutual of Omaha $212.25 → Humana $216.51
Middle of 4 — $35.29/mo more than lowest (HealthSpring), $4.26/mo less than highest (Humana).
Texas ZIP 77494
HealthSpring $198.49 → UHC $239.56 → Humana $242.30 → Mutual of Omaha $247.98
Highest of 4 — $49.49/mo (~$594/yr) more than lowest (HealthSpring).
Utah ZIP 84043
HealthSpring $231.29 → UHC $236.81 → Humana $244.73 → Mutual of Omaha $326.59
Highest of 4 — $95.30/mo (~$1,144/yr) more than lowest (HealthSpring).
Vermont ZIP 05401
UHC $334.75 → Mutual of Omaha $343.01
Highest of 2 — $8.26/mo (~$99/yr) more than lowest (UHC).
Virginia ZIP 22193
Humana $158.29 → HealthSpring $162.92 → UHC $197.62 → Mutual of Omaha $211.09
Highest of 4 — $52.80/mo (~$634/yr) more than lowest (Humana).
Washington ZIP 99301
UHC $324.25 → Humana $330.06 → Mutual of Omaha $378.68
Highest of 3 — $54.43/mo (~$653/yr) more than lowest (UHC).
West Virginia ZIP 26554
HealthSpring $187.95 → UHC $212.72 → Mutual of Omaha $221.80 → Humana $262.03
Middle of 4 — $33.85/mo more than lowest (HealthSpring), $40.23/mo less than highest (Humana).
Wyoming ZIP 82001
HealthSpring $191.25 → UHC $227.36 → Aetna $250.73 → Mutual of Omaha $263.83
Highest of 4 — $72.58/mo (~$871/yr) more than lowest (HealthSpring).
These are illustrative quotes obtained through CSG Actuarial for a 65-year-old nonsmoking applicant in one sample ZIP code per state, not statewide averages. Household discount not applied. Your actual premium may vary based on your ZIP code, age, sex where permitted, tobacco use, requested effective date, household-discount eligibility, and issuing company. Massachusetts, Minnesota, and Wisconsin aren't included because their plan structures or available quote data didn't produce a directly comparable standard Plan G result. HealthSpring is the rebranded Cigna Medicare Supplement business.
What We Found Nationwide
Where Does Mutual of Omaha Rank on Price?
Across the 47 states where we had comparable quote data, Mutual of Omaha was the lowest-priced option in 4 states, fell between the competing carriers in 14 states, and was the highest-priced option in 29 states.
In other words, Mutual of Omaha was the most expensive option in approximately 62% of the locations we tested, and the least expensive in only about 9%.
That's why I rarely recommend buying a Medigap policy after looking at only one carrier — comparing multiple companies usually gives a much clearer picture of what's competitive in your ZIP code.
See all 14 states
See all 29 states
These examples prove Mutual of Omaha isn't universally expensive — in the right location, they can be the best-priced Plan G among the companies we compared.
Several of the middle-tier placements were still fairly competitive — for example, New Jersey ($228.02 vs. $214.14), Michigan ($216.81 vs. $198.08), and Indiana ($185.14 vs. $160.07) — a gap of $10–$25 per month that may leave room to still consider Mutual of Omaha once you factor in the household discount or a preference for an established carrier.
Largest Premium Differences
In some states, the gap between Mutual of Omaha and the lowest-priced competitor was too large to easily justify on reputation alone.
| State | Difference per Month | Roughly per Year |
|---|---|---|
| Nevada | $167.29 more | ~$2,007 |
| Connecticut | $153.87 more | ~$1,846 |
| New York | $138.86 more | ~$1,666 |
| Kentucky | $98.56 more | ~$1,183 |
| Utah | $95.30 more | ~$1,144 |
| Delaware | $88.86 more | ~$1,066 |
| Missouri | $85.93 more | ~$1,031 |
| Georgia | $83.74 more | ~$1,005 |
| Iowa | $83.18 more | ~$998 |
| Pennsylvania | $76.13 more | ~$914 |
Annual figures are the monthly difference × 12, for illustration only — not a projection of future rates.
What I've Learned Comparing Mutual of Omaha Rates
I quote Mutual of Omaha regularly alongside other established Plan G carriers, and the biggest lesson is that their pricing is highly location-dependent.
In some ZIP codes, Mutual of Omaha is extremely competitive.
In others, another financially strong carrier can offer the identical standardized Plan G benefits for $40, $70, or even $100+ less per month.
That's why I don't treat Mutual of Omaha as either an expensive carrier or an affordable carrier across the board.
I look at the actual rate for the applicant's ZIP code, compare it with several alternatives, and then consider the household discount, issuing affiliate, and available rate history before making a recommendation.
What to Consider Beyond Today's Premium
Household Discounts
Mutual of Omaha offers a household discount in many states, frequently up to 12%.
Eligibility requirements, discount percentages, and issuing companies vary by state and policy form — some applicants qualify simply by living with another adult for the required period, while other states have different rules.
Confirm the exact discount available for the policy offered to you.
Which Mutual of Omaha Company Issues Your Policy?
Mutual of Omaha issues Medigap coverage through more than one affiliated insurance company, depending on your state — for example, United of Omaha Insurance Company or Omaha Insurance Company.
This matters because the specific issuing entity can affect the rate you're quoted, the application rules, your household-discount eligibility, which policy block you're placed in, and how that block's rates move in future years.
One affiliate isn't automatically better than another — the relevant question is how the exact policy series is priced and how that block has performed in your state.
Ask your agent which affiliated company will actually issue your policy before assuming the "Mutual of Omaha" name alone tells you everything about the rate or rate history to expect.
Rate History & Policy Blocks
Mutual of Omaha's rate history varies by state, underwriting company, and policy block.
Before enrolling, ask whether recent approved rate changes are available for the exact underwriting company and policy series being offered in your area, rather than relying on a single nationwide figure.
- Which underwriting company will issue my policy?
- Is this an open or closed policy block?
- What increases were approved during the past three years?
- Do those figures include normal attained-age increases?
- Will losing the household discount cause an additional increase?
An open block is generally still accepting new policyholders, while a closed block is no longer sold to new applicants.
Closed blocks can sometimes experience different rate trends because no younger or newly enrolled members are entering the group.
Is Mutual of Omaha Worth Paying More For?
Potential Advantages
- Established insurer with a long Medicare Supplement history
- Available in many states
- Household discount available in many states
- Standardized Plan G protection, identical to any other carrier's Plan G
- No separate carrier network on top of Medicare
Potential Disadvantages
- Frequently not the lowest-priced Plan G — Mutual of Omaha was the highest-priced option in 29 of the 47 states we compared
- Rates and rules can differ across affiliated underwriting companies and policy blocks
- Future rate increases are not guaranteed to stay moderate
- Wellness, vision, and hearing extras are not part of the standardized insurance benefit and can change or be discontinued
- Switching to a cheaper policy later may require medical underwriting, depending on your state and circumstances
A More Decision-Oriented Way to Compare
| Factor | Mutual of Omaha | Lower-Priced Competitor |
|---|---|---|
| Plan G medical benefits | Identical | Identical |
| Current premium | Compare locally | Compare locally |
| Household discount | Often available | Varies |
| Underwriting company | May vary by market | Varies |
| Recent rate history | Must be reviewed locally | Must be reviewed locally |
| Provider network | None beyond Medicare acceptance | Same for standard Plan G |
| Prescription coverage | Not included | Not included |
| Best reason to choose | Established carrier at a competitive local rate | Meaningful premium savings |
Yes.
It's one of the companies I routinely compare for clients, and extra perks like gym access or vision discounts are a tiebreaker for me, never the deciding factor.
I wouldn't automatically recommend Mutual of Omaha, but I also wouldn't eliminate them simply because another company is cheaper in another state.
If Mutual of Omaha is only $10–$20 more per month than another financially strong carrier, I'd still seriously consider them after looking at the household discount, issuing company, and available rate history.
If they're $50–$70 higher for identical Plan G benefits, the competing carrier usually deserves a much closer look.
Who Should Consider Mutual of Omaha Plan G?
Some buyers simply prefer working with a company that has decades of Medicare Supplement experience, even when another carrier is slightly less expensive.
Longevity doesn't guarantee better future rates, but some consumers view it as an additional factor once pricing is reasonably close.
Worth Serious Consideration If You...
- Want an established, long-tenured Medicare Supplement carrier
- Live in an area where their premium is close to the lowest rate available
- Qualify for the household discount
- Prefer an established carrier when premiums and policy details are otherwise similar
Worth Comparing Another Company If You...
- Find another financially strong carrier pricing noticeably lower in your ZIP code
- Care most about the single lowest premium rather than brand tenure
- Haven't yet confirmed which affiliated company would issue your policy or their recent rate history
- Were eligible for Medicare before Jan. 1, 2020 and want to also compare Plan F
Not sure where to start? See the Medicare Supplement companies we'd compare first in 2026.
How to Enroll
You need Medicare Part A and Part B active before buying any Medigap plan.
The ideal time to apply is your Medigap Open Enrollment Period — the six months starting the month your Part B becomes effective.
During this window, you generally can't be denied coverage or charged more because of your medical history, though your rate can still depend on factors permitted in your state, such as age, location, tobacco use, and household-discount eligibility.
Applying outside that window may involve medical underwriting.
To apply: get a personalized quote for your exact ZIP code, confirm the household discount and issuing affiliate, then submit your application online, by phone, or with a licensed agent.
Processing time varies by application type and state — confirm your approval before canceling any existing coverage.
Bottom Line
Mutual of Omaha is an established Medicare Supplement carrier, and their Plan G can be a good choice when the premium is competitive in your area.
Their benefits are standardized — they don't provide richer hospital or medical coverage than another company's Plan G.
The decision comes down to the premium, household discount, issuing company, recent rate history, and your ability to qualify for coverage.
I'd place Mutual of Omaha on the comparison list, but wouldn't automatically select them over a lower-priced carrier.
In some locations, their premium is close enough to the lowest rate to make it an attractive choice.
In others, the difference can amount to hundreds of dollars per year for identical standardized benefits.
FAQ
Mutual of Omaha Medigap Plan G does not cover the Medicare Part B deductible. However, the current deductible is low, at $226 a year.
Plan G will pay hospital deductibles, copayments, and coinsurance.
Plan G costs range from $94 to $170 per month, depending on the insurance provider, location, age, and health status.
You can change at any time, but if you do not have a guaranteed issue circumstance or are outside of your Medigap Open Enrollment Period, in that case, you can be denied coverage if your health conditions cannot pass the underwriting process.
Suppose you apply for Medicare Supplemental insurance outside the Medigap Open Enrollment Period and do not have guaranteed issue rights. In that case, you may be denied coverage by the insurance company based on your medical history or existing health conditions.
For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.
Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).
Matt Kiggins is the producer appointed to oversee the content written on SimpleAdvisor.com.
Every agent representing PG holds a state-issued producer license for the states they serve.
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