Mutual of Omaha Medicare Supplement Plan G 2027: Which Omaha Company, Real Prices and the 12% Discount

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026

Mutual of Omaha Medicare Supplement Plan G is sold in every state except Massachusetts by one of several Omaha companies, rated A+ (Superior) by AM Best, with a household discount of 7% or 12% depending on the state. In Maryland’s July 2026 guide it cost $308 a month for a 65-year-old male non-smoker before the 12% household discount, and in New York’s August 2026 table it ran $384.02 to $511.36 at any age.

2027 by the Numbers

A+

AM Best rating (Superior) for Mutual of Omaha and subsidiaries, April 2026

12%

Mutual of Omaha household discount listed in Maryland’s July 2026 guide

$308

Plan G, male 65 non-tobacco, Maryland July 2026 (MIA)

58%

fewer NAIC complaints than average, 2023-2025 (NerdWallet)

Mutual of Omaha is one of the first names brokers quote for Plan G, and for good reason: strong finances and a large household discount. But “Mutual of Omaha” on the brochure can mean four different legal insurers depending on your state, and the price swings widely from one state to the next.

We checked AM Best’s April 2026 rating action and four state rate publications to show who actually issues the policy, what Plan G costs, and where the trade-offs are. For every plan letter Mutual of Omaha sells, see our Mutual of Omaha Medicare Supplement plans 2027 review.

Compare 2027 Mutual of Omaha Plan G Rates

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The Omaha Company Named on Your Plan G Depends on Your State

Mutual of Omaha Medicare Supplement Plan G 2027 facts: A+ rating, 12% household discount, founded 1909, low complaints

State insurance publications list the Mutual of Omaha Plan G under different legal names. Here is what four of them printed.

State publication	Company listed	Plan G shown
Maryland Insurance Administration, July 1, 2026	Mutual of Omaha	$308/mo (male 65, non-tobacco)
New Jersey SHIP chart, June 2026	United World Life (a Mutual of Omaha Group)	$228.02/mo (male 65, preferred)
Kentucky Dept. of Insurance 2026 guide	United World Life Insurance Co.	Sells Plan G, High-Deductible G and Plan N (no prices printed)
Nevada Division of Insurance guide (rates surveyed Sept 2024)	Omaha Insurance Company	$3,353/yr (female 65, Las Vegas)

Each state uses its own age, sex and tobacco basis, so compare within a state, not across states.

Broker tip: Mutual of Omaha has more than one company in many states, and each can carry its own rate table. Ask your agent which Omaha company your quote is from and whether a lower-priced Omaha company is open to you.

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What We Verified About Mutual of Omaha (October 2026)

Item	What we found	Source
Founded	1909, as Mutual Benefit Health & Accident Association; renamed Mutual of Omaha in 1950	NerdWallet review, 2026
AM Best rating	A+ (Superior), stable, for Mutual of Omaha Insurance Company, United of Omaha Life, United World Life and Companion Life	AM Best, April 2, 2026
Where Plan G is sold	D.C. and every state except Massachusetts	NerdWallet review, 2026
Medicare Supplement size	More than 1.3 million beneficiaries, about 9.3% market share	NerdWallet review, 2026
Household discount	7% or 12%, varies by state; 12% in Maryland	New Horizons Marketing; Maryland Insurance Administration
Pricing method	Attained age in Maryland and Nevada; community rated in New York	State rate guides
Extras	Mutually Well wellness program and hearing and vision discounts	NerdWallet review, 2026

AM Best’s release did not name Omaha Insurance Company, so we do not list a separate rating for it here.

Maryland: What a 65-Year-Old Actually Pays

Maryland’s guide shows Mutual of Omaha uses two rate classes, non-tobacco and tobacco, with no preferred or standard split. The household discount is listed at 12%.

Mutual of Omaha, age 65 (Maryland)	Plan G	Plan G with 12% household discount	Plan N
Male, non-tobacco	$308	$271.04	$217
Female, non-tobacco	$268	$235.84	$189
Male, tobacco	$354	$311.52	$249
Female, tobacco	$308	$271.04	$217

Maryland Insurance Administration, Monthly Premiums for Medicare Supplement Insurance Policies, as of July 1, 2026. Discounted column is our own calculation.

For context, the lowest preferred male Plan G rate in the same Maryland guide was $203. Mutual of Omaha’s discounted $271.04 is still higher, which is why couples should compare the after-discount price at every company. Our Plan G cost guide covers the full math.

Low Complaints, Higher Rate Increases: The Trade-Off

Mutual of Omaha Medicare Supplement Plan G strengths and trade-offs for 2027

Service record. NerdWallet’s 2026 review, using NAIC data for 2023 to 2025, found Mutual of Omaha had 58% fewer complaints than the Medicare Supplement average, the best of the companies it reviewed.

Rate increases. The same review found Mutual of Omaha premiums rose an average of 12.7% a year over three years in the locations it tracked, one of the highest among the companies reviewed.

What to do with that. Mutual of Omaha suits buyers who value claims service and a big household discount, and who will re-shop if increases stack up.

See how increases build on each other in our Plan G rate increases for 2027 guide.

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New York: Mutual of Omaha Against the Upstate Blues

New York prices every Medicare Supplement on community rating, so age does not change the bill. The state’s August 2026 table shows Mutual of Omaha’s two lower regional rates below both upstate Blue plans, while its highest regional rate is above them.

Company (NY DFS, Aug 1, 2026)	Plan G monthly premium
Mutual of Omaha	$384.02, $405.98 or $511.36 by region
Excellus BlueCross BlueShield	$477.04
Highmark BCBS of Western New York	$497.43
Humana	$601.17 to $709.98 by region

NY DFS Comparison of Year 2026 Community Rated Standardized Medicare Supplement Monthly Premiums. Mutual of Omaha Plan N was not listed.

Where Mutual of Omaha’s $384.02 rate applies against Excellus at $477.04, the gap is $93.02 a month, or $1,116.24 a year, for the same Plan G benefits.

Plan G, High-Deductible G or Plan N at Mutual of Omaha

Plan G leaves you only the Part B deductible: $283 in 2026, projected $292 in 2027. Mutual of Omaha also sells High-Deductible G and Plan N in most states. Nevada’s guide shows how far apart the three can be for a 65-year-old woman in Las Vegas.

Plan G: $3,353 a year. Highest premium, lowest out-of-pocket risk. Good if you want few surprises.

Plan N: $2,321 a year. About $1,032 less. You take on copays up to $20 for office visits and $50 for ER visits, plus excess charges. Compare in Plan G vs Plan N.

High-Deductible G: $638 a year. Lowest premium, but you pay the first $3,050 of covered costs in 2027. Read our High-Deductible Plan G guide.

Timing: Buy during your six-month Medigap Open Enrollment Period. Outside it, Mutual of Omaha can ask health questions and may decline you.

Bottom Line

Mutual of Omaha Plan G pairs an A+ AM Best rating and an unusually low complaint record with a household discount of up to 12%. The catch is price: it was not the cheapest Plan G in Maryland, and premium increases have run higher than most. Compare its after-discount rate with other Plan G sellers in your ZIP.

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Mutual of Omaha Plan G — Frequently Asked Questions

➤ Is United World Life the same as Mutual of Omaha?

United World Life Insurance Company is a Mutual of Omaha subsidiary. New Jersey’s 2026 chart labels it “a Mutual of Omaha Group,” and AM Best rates it A+ (Superior) along with the parent.

➤ How much is the Mutual of Omaha household discount?

It is 7% or 12% depending on the state. Maryland’s July 2026 guide lists 12%. NerdWallet reports it works like a roommate discount, so a spouse is not always required.

➤ What is Mutual of Omaha’s AM Best rating?

AM Best affirmed an A+ (Superior) financial strength rating with a stable outlook on April 2, 2026 for Mutual of Omaha Insurance Company and its rated subsidiaries.

➤ How much does Mutual of Omaha Plan G cost for a 65-year-old?

It depends on the state. Maryland’s July 2026 guide showed $308 a month for a male non-smoker and $268 for a female non-smoker, before the household discount.

➤ Does Mutual of Omaha raise Plan G rates a lot?

NerdWallet’s 2026 review found average increases of 12.7% a year over three years in the areas it tracked, among the highest of the companies it reviewed.

➤ Does Mutual of Omaha charge tobacco users more for Plan G?

Yes, where state law allows. In Maryland, a 65-year-old male tobacco user paid $354 a month versus $308 for a non-tobacco user.

➤ Does Mutual of Omaha sell Plan G in New York?

Yes. New York’s August 2026 table lists Mutual of Omaha Plan G at $384.02 to $511.36 a month depending on region, the same at every age.

➤ Is Mutual of Omaha good for claims and service?

Its complaint record is strong. NerdWallet’s analysis of NAIC data for 2023 to 2025 found 58% fewer complaints than the Medicare Supplement average.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Supplement plan up to six months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195.

Medicare Supplement Quotes

Call a Licensed Agent Now

Compare 2027 Plan G, Plan N and more from several insurance companies in one call.

☎ 1-855-409-6195

TTY users 711

No obligation to enroll

Speak with a licensed insurance agent

1-855-409-6195

Compare plans in your area

1-855-409-6195 TTY 711

Mutual of Omaha Medicare Supplement Plan G 2027: Which Omaha Company, Real Prices and the 12% Discount

Compare 2027 Mutual of Omaha Plan G Rates

Speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

The Omaha Company Named on Your Plan G Depends on Your State

What We Verified About Mutual of Omaha (October 2026)

Maryland: What a 65-Year-Old Actually Pays

Low Complaints, Higher Rate Increases: The Trade-Off

Compare plans & benefits in your area

Or speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

New York: Mutual of Omaha Against the Upstate Blues

Plan G, High-Deductible G or Plan N at Mutual of Omaha

Bottom Line

Get Mutual of Omaha and other Plan G quotes for your ZIP

Speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

Mutual of Omaha Plan G — Frequently Asked Questions

New to Medicare?

Compare plans & benefits in your area

Or speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT