UnitedHealthcare vs. Mutual of Omaha Medicare Supplement Plans

In this article...
  • 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 – so you can make the right choice for your Medicare coverage needs.

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 to help you decide which one may be best for you.  

Medicare Supplement Insurance Company Ratings: UnitedHealthcare (AARP) and Mutual of Omaha

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 BBB accredited with an A+ rating and is rated 4.1 stars out of 5 by Consumer Affairs.  

UnitedHealthcare financial strength ratings include an A from A.M. Best, AA- from Fitch Ratings, A3 from Moody’s and A+ from Standard & Poor’s. 94% of UHC Medigap beneficiaries are satisfied with their Medicare Supplement plan, and 94% renew their policy each year.

UHC currently has a Consumer Affairs rating of 3.7 stars out of 5. 

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 (which we’ll discuss later), 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 2022 Medicare Supplement plans available in most states.

Medicare Supplement Insurance Plans 2022
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 $2,490 in 2022. 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 $6,620 in 2022. Plan L has an out-of-pocket yearly limit of $3,310 in 2022.
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.

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, K and L. However, Mutual of Omaha 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.

The chart below illustrates the cost differences between a few sample UnitedHealthcare Medicare Supplement plans offered through AARP and Mutual of Omaha Medicare Supplement plans across five select locations. 

It should be noted that UnitedHealthcare’s Medigap plans are only available to those with an AARP membership, which costs $16 per year.

Please note that plan availability and costs vary from one ZIP code to another. Be sure to compare your local plan options to find out how much each plan may cost where you live.

Location Plan UnitedHealthcare / AARP Mutual of Omaha

San Diego, CA

A

$96.46

$119.24

 

G

$128.24

$130.66

 

N

$108.29

$108.72

Cleveland, OH

A

$75.23

$92.13

 

G

$96.45

$106.91

 

N

$77.31

$83.23

Denver, CO

A

$85.32

$124.41

 

G

$118.06

$142.23

 

N

$101.98

$101.77

Houston, TX

A

$101.52

$123.11

 

G

$103.47

$122.90

 

N

$80.46

$96.30

Baltimore, MD

A

$229.28

$157.08

 

G

$124.69

$139.57

 

N

$107.20

$103.84

 

UnitedHealthcare/AARP Medicare Supplement plans offer slightly lower premiums than Mutual of Omaha in the examples above. However, the UHC premiums quoted above do not include the company’s extra incentives (see below). When adjusted to replicate Mutual of Omaha extra incentives, plan costs become much more competitive between the two carriers. 

It’s also worth noting that the example above is for only a select few plans in a few cities, and quotes 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. 

What Extra 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 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 extra 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 all included. Unlike UnitedHealthcare, Mutual of Omaha incentives may not always require any additional costs added to your monthly premiums. 

UnitedHealthcare vs. Mutual of Omaha: Which Company is Right for You?

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. 

Ultimately, it’s hard to go wrong with either Medicare Supplement plans from AARP and UnitedHealthcare or from Mutual of Omaha. A licensed insurance agent can help you review the plan options available in your area from both companies and guide you in your path to determining the best Medicare Supplement Insurance policy for you and your unique needs.

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