Carrier review
United of Omaha Medicare Supplement
We are appointed to represent United of Omaha. This page explains what the company actually is, what it is good at, and what to check before you buy — not what its brochure says.
Figures reviewed for 2026
- Parent company
- Mutual of Omaha Insurance Company
- Role in the group
- The principal company writing Mutual of Omaha Medigap
- Headquarters
- Omaha, Nebraska
United of Omaha Life Insurance Company is the name that usually appears on the paperwork when someone buys a Mutual of Omaha Medicare Supplement. Mutual of Omaha is the brand and the parent; United of Omaha is the licensed life insurer doing the writing. That sounds like filing trivia until you need it, because state insurance departments track rate increases against the writing company, so your renewal history is recorded under this name and not the one on the television advertisement.
Same corporate family
Each company in this group writes its own policies and files its own rates, so each one has a separate page:
Why consider United of Omaha
- The widest state footprint of any Mutual of Omaha writing company, so continuity is easier if you relocate.
- Same claims organization and service lines as the parent, meaning one process for the rest of your life on that policy.
- Household and spousal discounts in many states attach to this entity's filings.
What to check first
- In some states you will be offered a United World Life or Omaha Supplemental policy instead. Those carry their own rates, so ask which entity is issuing before you sign.
- Familiarity is not a price argument. A United of Omaha Plan G pays exactly what a Plan G from any other carrier pays, so only the premium and the increase history differentiate it.
How we compare this carrier against the rest
Medigap benefits are standardized by federal law, so a Plan G from United of Omaha covers exactly what a Plan G from any other carrier covers. That leaves five things worth comparing, and we check all five before making a recommendation:
- The filed premium at your age, ZIP code, and tobacco status
- The last five years of rate increases on the exact plan and block
- Whether pricing is attained-age, issue-age, or community-rated
- Household, spousal, and multi-policy discounts you qualify for
- The issuing legal entity, since one brand can hold several blocks
Common questions
Before you apply
- Is this carrier cheaper than the others?
- Sometimes, and only for a specific age, ZIP code, tobacco status, and household. Medigap benefits are identical by plan letter, so price is the only real variable — which is why we quote the whole market rather than publishing a number that goes stale.
- Can I be turned down for health reasons?
- Outside your six-month Medigap Open Enrollment Period, and outside any state-specific rights such as a birthday rule, yes. Carriers use medical underwriting and can decline or rate you up.
- What happens to my rate over time?
- The carrier files increases with your state insurance department, and they apply to your whole block of business. A carrier with a history of double-digit annual increases is expensive even when the first year looks cheap.
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See what United of Omaha would charge you
Rates depend on your age, ZIP code, tobacco use, and in some states your health history. Send us a few details and we will put the real 2026 numbers side by side.