Mutual of Omaha Medicare Supplement Plan F – 2020

Benefit:What It Covers:

Part A Deductible
You may need this benefit if you have to stay in the hospital. This amount can change every year. You have to pay this deductible for each benefit period.

HD-F covers 100% of the Part A deductible.

Part B Deductible
You may want to consider this benefit if you have Medicare Part B. Each year you must pay the Part B deductible before Medicare starts to pay its share. If you have this benefit, the Medigap plan would pay this amount each year.

HD-F covers 100% of the Part B deductible.

Part B Coinsurance
Without this benefit, you generally pay 20% of the Medicare-approved amount for Medicare Part B covered services and supplies (like doctor services and outpatient hospital care). This benefit will help you to reduce your out of pocket after Part B deductible.

High Deductible Plan F covers all of the 20% remainder costs

365 Extra Days of Hospital Stay
After you use all Medicare hospital benefits, you can receive up to 365 more days for hospital stays during your lifetime.

High Deductible Plan F covers all of the costs for an additional 365 additional hospital days

3 Pints of Blood
The first 3 pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced.

High Deductible Plan F covers all of the costs of 3 pints of blood per calendar year

Part B Excess Charges
Under federal law, doctors who don’t accept “assignment” (take Medicare’s approved amount as payment in full) may charge up to 15% more than the approved amount. You might want to think about this benefit if your doctors don’t accept assignment. You may also want this benefit if you have to stay in the hospital and can’t control whether the doctors you see accept assignment.

High Deductible Plan F covers 100% of the excess charges

Foreign Travel Emergency
If you travel outside the United States, this benefit could save you money for emergency care.

High Deductible Plan F covers 80% (after a $250 deductible) to a lifetime maximum benefit of $50,000.

Skilled Nursing Coinsurance
Medicare pays for the first 20 days of a skilled nursing facility. If you need to go to a Skilled Nursing Facility (SNF) after a hospital stay and stay in the SNF longer than 20 days, this benefit begins.

High Deductible Plan F covers up to $296 per day for days 21-100 and 100% for days 101 and after.

Home Health Care
Home Health Care is skilled nursing care and certain other health care services you get in your home for the treatment of an illness or injury.

High Deductible Plan F covers the 20% remainder not paid by Medicare Part B.

Plan N is identical to Plan G except there is a $20 copay for office visits and a $50 copay for emergency room visits. Like Plan G, Plan N does not cover the $183 Medicare Part B deductible. Plan N covers:

  • Your $1,316 Part A deductible and coinsurance
  • The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
  • Your Part B coinsurance and the cost of the first three pints of blood
  • 80% of Part B physician charges that are in excess of the Medicare-approved amount (By law no physician may charge more than 115% of Medicare-approved amounts).
  • Skilled nursing facility copayment
  • Emergency care for foreign travel

Plan N does NOT cover:

  • Your $183 Medicare Part B deductible

This Carrier Offers:

About The Carrier

Mutual of Omaha Medicare Supplement Plans are highly popular in Florida and usually have the lowest rates. They take an attained-age rating approach to pricing their Medicare supplements and have lower rates for non-tobacco users.

Countdown to Start of Open Enrollment








Submit a Comment

Your email address will not be published. Required fields are marked *

Don't Delay the Start of Your New Coverage