Mutual of Omaha Medicare Supplement Plan Review in Texas

If you're exploring your Medicare Supplement options in Texas, Mutual of Omaha is one of the first names that should be on your list - and for good reason.

We’ve helped hundreds of Texans find coverage through them, and they consistently earn high marks for affordability, dependability, and ease of use.

With over 100 years in the insurance business and a strong presence across Texas, Mutual of Omaha offers plans that are competitively priced and backed by excellent service.

Whether you're brand-new to Medicare or thinking about switching providers, this guide will walk you through what makes Mutual of Omaha a standout option - and where it may or may not be the right fit for your situation.

Mutual of Omaha Medicare Supplement Plans Available in Texas

#1. Plan G – Comprehensive Coverage With No Surprise Costs

Plan G continues to be the most popular Medicare Supplement option in Texas.

With this plan, once you pay the small Part B deductible (which is $257 in 2025), you’re covered.

That means no copays, no coinsurance, and no worrying about whether your provider is in-network.

Plan G is ideal for Texans who want complete peace of mind when it comes to healthcare costs. If you visit the doctor frequently, see specialists, or just don’t want to be surprised by unexpected bills - this plan is your safest bet.

How Does Plan G Compare to Plan F and Plan N?

Compared to Plan F, the only difference is that Plan G doesn’t cover the Part B deductible - everything else is identical.

Note: Plan F is only available if you became eligible for Medicare before 2020.

Compared to Plan N, Plan G is more comprehensive. Plan N requires small copays for doctor and ER visits, and doesn’t cover excess charges.

Plan G covers it all - aside from the deductible.

Bottom Line: Plan G strikes the best balance between cost and coverage. It’s easy to budget for, offers nationwide access to providers, and protects you from most out-of-pocket surprises.

Over time, it’s a stable, predictable option - and that’s why we often recommend it to clients across Texas.

Plan G Coverage Chart

Mutual of Omaha-Specific Details for Plan G:

• Competitive pricing - especially for women and non-smokers
  
• Rate increase history shows modest and consistent adjustments, not large spikes
  
• No hidden application fees - what you see is what you pay
  
• Fast claims processing with an easy-to-use online member portal

#2. Plan N – Lower Monthly Premiums With Some Cost-Sharing

Plan N is a solid choice for Texans who want to save money on monthly premiums but are comfortable with a little cost-sharing along the way.

You’ll have to pay up to $20 for doctor visits and $50 for ER visits (if not admitted), and excess charges aren’t covered - but the trade-off is lower monthly costs compared to Plan G.

Plan N is best for healthy individuals who don’t visit the doctor often and are looking to trim their monthly expenses. If you’re okay with occasional copays and are willing to double-check that your doctor accepts Medicare assignment (to avoid excess charges), Plan N can be a smart value.

How Does Plan N Differ from Plan G?

Plan N doesn’t cover excess charges, while Plan G does.

Plan N requires copays: up to $20 for a doctor visit and $50 for ER (if not admitted).

Plan N still offers full coverage for most major Medicare costs like hospital stays, Part A and B coinsurance, and foreign travel emergencies.

Limitations to Keep in Mind:

• You may pay more out-of-pocket if your provider bills excess charges.
  
• If you go to the doctor frequently or see specialists often, the copays can add up.
  
• You’ll still need to pay the Part B deductible annually ($257 in 2025).
  

Plan N Coverage Chart

Mutual of Omaha-Specific Details for Plan N:

• Pricing edge: We’ve seen very competitive rates for newly eligible 65-year-olds, especially women and non-smokers.
  
• Household discounts: Available in many Texas ZIP codes - save even more if you live with another Medicare enrollee.
  
• Excellent support: Mutual of Omaha is great at helping clients understand what’s covered and what counts toward copays, so there are no surprises.

#3. High-Deductible Plan G (HDG): Budget-Friendly With a Deductible

If you're the kind of person who rarely visits the doctor but still wants strong protection from a major hospital bill, Mutual of Omaha’s High-Deductible Plan G might be your perfect fit.

You’ll pay a very low monthly premium, but you’re responsible for all Medicare-approved costs until you hit the annual deductible - $2,870 in 2025.

Who Should Consider HDG?

• Healthy individuals who rarely use healthcare but want a safety net
  
• Early retirees transitioning off employer coverage
  
• Seniors who prefer to keep monthly expenses low and are comfortable budgeting for emergencies
  

How It Works: You’ll pay Medicare-approved costs for services like doctor visits, labs, or outpatient care until you hit the annual deductible.

After that, HDG covers everything Plan G does - 100%. No copays, no coinsurance, and no network restrictions.

High-Deductible Plan G Coverage Chart

Mutual of Omaha-Specific Details for High-Deductible Plan G:

• Consistently Available: One of the few big-name insurers that continues to offer HDG across most of Texas
  
• Very Competitive Premiums: Around $64/month for a 65-year-old female nonsmoker
  
• Ideal for Transitioners: A smart choice for people coming off employer insurance and looking to keep monthly costs low without sacrificing emergency protection
  

Other Medicare Supplement Plans Offered by Mutual of Omaha

While Plans G, N, and High-Deductible G are the most widely chosen, Mutual of Omaha also offers other Medigap plans in certain Texas ZIP codes, including Plans A, B, D, and M.

These plans tend to have more limited coverage or are less commonly used, but they might be worth considering in very specific situations, such as:

• Plan A: Minimal coverage - only covers basic Part A and B coinsurance. Often the lowest-cost option, but not typically recommended unless you're on a very tight budget and willing to take on significant risk.
  
• Plan B: Slightly better than A, adds coverage for the Part A deductible - but still lacks other key protections.
  
• Plan D: Covers nearly everything except excess charges and the Part B deductible - less common since Plan G is usually a better value.
  
• Plan M: Shares 50% of the Part A deductible with you - lower premium, but higher risk if you’re hospitalized.
  
  

Bottom Line: These plans might appear in your quotes depending on your location, but in our experience working with Texans, Plan G, Plan N, and HDG offer the most value for the majority of people.

If one of the lesser-known plans makes sense for your situation, a licensed agent can walk you through when and why.

Cost of Mutual of Omaha Medicare Supplement Plans in Texas

When you're shopping for a Medicare Supplement plan, price matters — but so does stability. Mutual of Omaha strikes a good balance.

While they may not always be the cheapest option on the market, they consistently land in the top 3 for affordability in many Texas counties.

Here’s what you should know about how their pricing works.

How Mutual of Omaha Pricing Works

Mutual of Omaha uses an attained-age pricing model - which means your premium is based on your current age and will increase as you get older.

This is common among Medigap carriers in Texas, but it’s something to keep in mind when planning long-term.

That said, they’ve built a strong reputation for reasonable, predictable rate increases.

Many of our clients report annual bumps that are modest and manageable - not the kind of steep jumps some lesser-known insurers are known for.

Discounts You Might Qualify For

If you live with another Medicare-eligible adult (a spouse or even a sibling), you may qualify for a household discount, often up to 12%.

That savings adds up quickly and can make their premiums even more competitive.

There are no hidden enrollment fees or "gotcha" costs. What you see is what you pay.

When to Expect Rate Increases

Like all Medigap carriers, Mutual of Omaha reviews their premiums annually.

Most of the time, you’ll see rate increases around your birthday or during the company’s scheduled review cycle.

These are based on both age and the company’s overall claims history in your area.

Prices for the Most Popular Plans in Texas

If you’re considering Mutual of Omaha in Texas, here’s what you can expect to pay for their most popular Medicare Supplement plans in 2025 (based on a 65-year-old nonsmoking applicant):

How Mutual of Omaha Compares on Cost

While Mutual of Omaha is a top-rated and dependable carrier, it's important to know that they are one of the more expensive options in Texas - particularly for Plans G and N.

If budget is a key concern, other strong competitors like Cigna or Humana often offer similar coverage at lower monthly premiums, especially in metro areas like Dallas, Houston, and San Antonio.

Final Word on Pricing

You're paying a little more with Mutual of Omaha - but you're also getting a trusted brand, fast claims service, and long-term stability.

For many Texans, that peace of mind is worth the extra $10–$20/month.

But for those prioritizing price over brand, there are definitely more affordable carriers out there.

Customer Service and Claims Processing: What You Should Know

When it comes to Medicare Supplement insurance, smooth claims and reliable service matter - especially when you need care.

Mutual of Omaha continues to deliver well in both areas.

Mutual of Omaha: Key Takeaways

• Fast claims turnaround – Most Medicare claims are processed within just a few days.
  
• U.S.-based support – Representatives are knowledgeable, friendly, and easy to reach.
  
• Online account access – Manage your policy, view documents, and check claim status through their user-friendly portal.
  
• Top-tier financial strength – Mutual of Omaha consistently earns A+ ratings or higher from AM Best, reinforcing their stability.
  

Financial Stability: Can You Rely on Mutual of Omaha Long-Term?

Absolutely. Mutual of Omaha has been in business for over 100 years, making them one of the most experienced and financially solid insurance providers in the country.

• Founded in 1909, they’ve weathered every major healthcare and economic shift.
  
• Rated A+ (Superior) by AM Best and consistently strong marks from other rating agencies.
  
• They maintain a conservative financial strategy, ensuring long-term solvency and the ability to pay claims.
  

For Texans who value reliability, experience, and peace of mind, Mutual of Omaha is a carrier you can count on for the long haul.

Mutual of Omaha vs. Cigna: Which Is Better?

Mutual of Omaha and Cigna are two of the most well-known Medigap providers in Texas.

We've helped hundreds of Texans compare these carriers, and while both offer reliable coverage and a strong reputation, the deciding factor for most people often comes down to monthly premiums.

Medicare Supplement Cost Comparison (2025)

Here’s a side-by-side look at current estimated premiums for a 65-year-old nonsmoker in Texas:

Premiums are one of the most important comparisons when choosing a Medigap company - because the benefits are 100% standardized by law.

That means Plan G from Mutual of Omaha gives you the exact same coverage as Plan G from Cigna.

Once you're confident you're choosing a reputable company, it makes sense to go with the one that offers the lowest price for your area and age group.

Our Recommendation: Cigna (or Humana)

While Mutual of Omaha is extremely dependable - with a great history of service and stable pricing - Cigna tends to offer better value in 2025 for many Texans.

Lower monthly premiums across multiple plans make Cigna one of our go-to picks, especially if you’re:

• Just turning 65
  
• In good health
• Looking to lock in affordable long-term coverage
  

Humana is another company we often recommend for similar reasons - competitive pricing and strong nationwide access.

Final Thoughts

Choosing a Medicare Supplement plan in Texas is a big decision - and Mutual of Omaha stands out as a carrier that brings reliability, competitive value, and peace of mind to the table.

With over a century of experience and a strong foothold in the state, Mutual of Omaha offers plans that are easy to understand, fairly priced, and supported by top-tier customer service.

Their Plan G remains a favorite among Texans for its balance of coverage and cost, while Plan N and High-Deductible G provide smart alternatives for those with specific financial or healthcare needs.

Yes, you may pay a bit more for the Mutual of Omaha name compared to some competitors like Cigna or Humana. But what you get in return - financial strength, predictable rate increases, and consistently positive customer experiences - can be well worth the premium for many.

Ultimately, the best plan is the one that fits your health needs, your budget, and your peace of mind.

Whether you’re new to Medicare or considering a switch, Mutual of Omaha is a carrier we confidently recommend exploring as part of your comparison.

Need help narrowing things down? A licensed Medicare advisor can walk you through quotes, discounts, and side-by-side comparisons - so you can enroll with confidence.