Most consumer pages about Mutual of Omaha Medicare Supplement plans get one thing wrong, and it is the thing that decides your price. “Mutual of Omaha” is not one insurance company selling one set of rates. It is a family of companies, and the one that issues your policy depends on where you live.
That matters because Medigap rates are filed with, approved by, and published by state insurance departments company by company. Two neighbors in different states can both say they have “Mutual of Omaha” and be holding policies from different legal entities with separately filed premiums and different discount rules. The figures below come from three state regulators’ own rate charts and from Mutual of Omaha’s own documents, pulled September 7, 2026.
What Mutual of Omaha Medicare Supplement Is
It is standard Medigap. Federal law fixes what each plan letter pays, so a Mutual of Omaha Plan G covers exactly what any other carrier’s Plan G covers: your Part A hospital deductible ($1,736 in 2026), Part B coinsurance, skilled nursing coinsurance, Part B excess charges, and foreign travel emergency care, but not the $283 Part B deductible.
What differs is the company name on the contract, the price, and the fine print on discounts. Mutual of Omaha’s producer materials list five underwriting entities in the Medicare Supplement family:
- Mutual of Omaha Insurance Company
- United of Omaha Life Insurance Company
- Omaha Insurance Company
- United World Life Insurance Company
- Omaha Supplemental Insurance Company
Three state regulators confirm the split is real and current. In Maryland, the July 1, 2026 rate guide lists Mutual of Omaha Insurance Company. In Washington, the insurance commissioner’s chart lists United World Life Insurance (Mutual of Omaha) with rates effective 8/1/2026. In Nevada, the Division of Insurance’s Who Sells Medigap list names Omaha Insurance Company. Even Mutual of Omaha’s own website shifts: its Medicare supplement overview and enrollment pages carry the disclaimer “Underwritten by United World Life Insurance Company,” while its plan-selection page carries “Medicare Supplement Insurance Underwritten by Mutual of Omaha Insurance Company.”
None of this is a problem for you as a buyer. It is a problem for anyone quoting you a national average, because there is no such thing here.
How the Plans Work
Plan letters vary by state too. Maryland’s guide shows Mutual of Omaha selling Plan A, Plan F, Plan G, high-deductible Plan G and Plan N. Washington shows Plan A, Plan G, Plan N, Plan F and a high-deductible option. The company’s 2022 producer map shows the common national set as A, F, G and N with high-deductible versions of F and G, plus wider menus in a handful of states (Rhode Island and Alaska add C and D, Vermont adds B, C and D, New York adds B, C, D and M) and the special standardized designs in Wisconsin and Minnesota.
Rates are attained age in most of the country. Both Maryland and Nevada classify the Mutual of Omaha filing as attained age, which means the premium is tied to your current age and steps up as you get older, before any general rate increase for medical inflation. Washington’s community rating is a state law, not a carrier choice.
Underwriting bites outside the open enrollment window. Mutual of Omaha’s own enrollment page states that during your six-month Medicare supplement open enrollment period, which begins the first month you have Part B and are 65 or older, insurers cannot deny you coverage for health issues, and that after that period you may be subject to underwriting. Costs may be higher based on your health. That is the single most expensive detail in this entire product category, and our Medigap open enrollment period guide covers the guaranteed-issue exceptions.
The high-deductible option is genuinely cheap. Mutual of Omaha’s own page states the 2026 deductible for high-deductible plans is $2,950, matching Medicare.gov. In Maryland that buys a Plan G premium of $61 a month at 65 instead of $278.
What Mutual of Omaha Medicare Supplement Costs in 2026
Filed monthly premiums from the Maryland Insurance Administration’s guide, current as of July 1, 2026, male non-tobacco. Maryland is a useful default because it is attained-age rated and breaks out five ages.
| Plan | Age 65 | Age 70 | Age 75 | Age 80 | Age 85 |
|---|---|---|---|---|---|
| Plan A | $286 | $316 | $379 | $459 | $550 |
| Plan F (pre-2020 eligibility only) | $320 | $345 | $407 | $493 | $597 |
| Plan G | $278 | $308 | $369 | $447 | $535 |
| High-deductible Plan G | $61 | $67 | $80 | $97 | $117 |
| Plan N | $197 | $217 | $259 | $314 | $376 |
Female rates in the same guide run about 13% lower across the board: Plan G is $242 at 65 and $465 at 85, Plan N is $171 at 65, and high-deductible Plan G is $53. Maryland also prints a separate, higher tobacco table that cannot be used during open enrollment, a guaranteed-issue period, or the state’s 30-day birthday window.
For a second state, Washington’s insurance commissioner lists United World Life at $379 a month for Plan G, $265 for Plan N, $208 for Plan A and $501 for Plan F, flat at every age 65 and older, with a high-deductible Plan G at $61. Those are community-rated figures and are not national pricing.
Two things stand out in the Maryland numbers. Plan G nearly doubles between 65 and 85, which is what attained-age rating means in practice. And the gap between Plan G and Plan N starts at about $81 a month at 65 and widens to about $159 by 85, which is what Plan N’s office-visit and emergency-room copays are worth to the carrier. Our Plan G vs. Plan N comparison works through whether that trade is worth it.
The Household Discount Is Bigger Than It Looks
Maryland’s guide states a 12% household discount is available to applicants who qualify. On a $278 Plan G that is $33 a month, or roughly $400 a year, and it applies for as long as you hold the policy.
Mutual of Omaha’s producer discount map shows the percentage is not uniform. Most states get 12%. North Dakota gets 10%. New Jersey, Oklahoma, Ohio, Washington and Maine get 7%. Several states, including Florida, Idaho, New York, Alaska and Hawaii, show no household discount on that map at all. The map is dated October 27, 2022, so treat the state-by-state detail as a starting point and confirm the current number on your application.
The eligibility test also differs by tier. For the 10% to 12% discount, the map says you may qualify if you live with a spouse, civil union partner or domestic partner, or have lived with as many as three adults age 60 or older for the past 12 months. For the 7% discount, the other household member must already hold or be applying for a Mutual of Omaha or affiliate Medicare supplement policy. That second version is much harder to satisfy, so read which one your state uses before you assume the discount.
Who It Is Good For and Who Should Skip It
Good if you want a mid-priced attained-age plan with a real household discount. In Maryland’s July 2026 guide, Mutual of Omaha’s $278 Plan G at 65 sits above USAA at $215, State Farm at $224 and the HealthSpring block (formerly Cigna) at $241, but the 12% household discount closes most of that gap for couples.
Good if you want high-deductible Plan G. At $61 a month in Maryland it is one of the cheapest ways to cap catastrophic exposure, and not every carrier offers it. AARP and UnitedHealthcare do not show one in either state chart we pulled.
Good if you are enrolling on time. Attained-age carriers price aggressively at 65.
Think twice if you plan to hold the policy into your 80s. Maryland’s own chart shows Plan G at $535 by 85, and that is before any filed rate increase.
Think twice if you are shopping from out of state or off a national review. The company issuing your policy, the plan letters available, and the discount percentage all change at the state line.
Skip the brand comparison entirely if you have a health history. Outside your open enrollment window, whether any carrier will take you matters far more than which one is cheapest.
Mutual of Omaha vs. Other Medigap Carriers
All figures are Plan G at age 65 from the Maryland Insurance Administration’s July 1, 2026 guide, so the comparison is state-controlled.
| Carrier (Maryland filing) | Plan G at 65 | Rating method | Household discount | High-deductible G? |
|---|---|---|---|---|
| USAA Life | $215 (unisex non-smoker) | Attained age | 5% | Not listed |
| State Farm Mutual Automobile | $224 (male non-tobacco) | Attained age | Not listed | Not listed |
| HealthSpring National (former Cigna block) | $241 (male preferred) | Attained age | 6%, plus 14% with an affiliate policy | Not in Maryland |
| Mutual of Omaha Insurance Company | $278 (male non-tobacco) | Attained age | 12% | Yes, $61 |
| United American | $281 (male preferred) | Issue age / attained age | Not listed | Yes, $73 |
| UnitedHealthcare / AARP | $258 after the 39% early-enrollment discount | Community rated | 10% multi-insured | No |
The Bottom Line
Mutual of Omaha is a solid, mid-priced attained-age Medigap carrier with an unusually good household discount and a cheap high-deductible Plan G. It is not the cheapest name in most state charts, and it is not trying to be.
Do three things before you buy. Look up your own state’s insurance department rate guide and find which Omaha entity is filed there, since that is the company whose rates apply to you. Ask explicitly which household discount percentage your state uses and which eligibility test goes with it. And project the premium out to 80 and 85 using the state chart, because attained-age pricing means today’s quote is the smallest number you will ever pay.
Then budget the rest of Medicare around it. You keep paying the $202.90 standard Part B premium in 2026, plus the $283 Part B deductible on Plan G, and Medigap never covers drugs, so you need a separate Part D plan. Our Medigap cost and Medigap Plan N cost pages give the national picture, Medicare Advantage vs. Medigap covers the bigger decision, and if premiums are tight, Medicare Savings Programs come first. Worth pricing alongside: Cigna and HealthSpring, Humana, Blue Cross, USAA, State Farm and United American.