1. Aetna vs Mutual of Omaha

Aetna vs Mutual of Omaha

It's hard to go wrong when choosing between Aetna and Mutual of Omaha Medicare plans. However, there are a few differences worth understanding before making your choice. Mutual of Omaha only offers Prescription Drug Plans (PDP) and Medicare supplement insurance (Medigap). Aetna offers these plans in addition to Medicare Advantage plans. If you're opting for an Advantage plan over Original Medicare, you'll need to go with Aetna.

Both companies have two prescription drug plan options and offer multiple Medigap plans. The Medigap plans are standardized across companies as far as coverage goes. Mutual of Omaha gets our recommendation for Medigap plans because the company includes an Additional Benefit Rider that gives plan members access to discounts on specified health services.

Aetna logo verified_user
#3 Aetna
8.5 Overall Score
2
starstarstar_borderstar_borderstar_border
(13)
Mutual of Omaha logo verified_user
#9 Mutual of Omaha
4.3 Overall Score
5
starstarstarstarstar
(1)

Overview

Aetna

Mutual of Omaha

Time In Business
Time In Business
167 Years
111 Years

Ratings

Aetna

Mutual of Omaha

Overall Score
Overall Score
8.5 of 10
4.3 of 10
Review Score
Review Score
2.0
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5.0
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Value for Money
Value for Money
2.0
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0.0
star_halfstarstarstarstarstar
Quality of Product or Service
Quality of Product or Service
2.0
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0.0
star_halfstarstarstarstarstar
Customer Service
Customer Service
2.0
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0.0
star_halfstarstarstarstarstar
Company Trustworthiness
Company Trustworthiness
2.0
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0.0
star_halfstarstarstarstarstar
Likely to Recommend
Likely to Recommend
2.0 of 10
10.0 of 10

Reviews

Aetna

Mutual of Omaha

Number of Reviews
Number of Reviews
13
1
Review Breakdown
Review Breakdown
2.0
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5 star
15%
4 star
8%
3 star
8%
2 star
0%
1 star
69%
5.0
starstarstarstarstar
5 star
100%
4 star
0%
3 star
0%
2 star
0%
1 star
0%

Reviews for Aetna

Helpful Favorable Review

starstarstarstarstar

pepsi173

September 20th, 2020 Monroeville, PA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have had Aetna Insurance as the secondary insurance to my Medicare since retiring 10 years ago and have always liked the way they deal with claims and the cost that I have to pay and especially their drug prescriptions payments. I know that I will keep them as they have good to me even when I have a customer service question.


Helpful Critical Review

starstar_borderstar_borderstar_borderstar_border

Boyer

September 20th, 2020 Wheaton, IL DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Aetna has been a nightmare to work with!! For the past 7 months we have been on countless phone calls, received the run- around, assured everything is being taken care of just to receive notifications to contact them again. It has been nothing but frustrating!! If we ever have the opportunity, we will drop this coverage in a heartbeat. Anthem Bluecross/Blueshield puts this company to shame. Extremely disappointed and tired of dealing with them!


Reviews for Mutual of Omaha

Helpful Favorable Review

starstarstarstarstar

Robert Briggs

September 20th, 2020 Hixson, TN DETAILS arrow_drop_down

No problems. Have had surgeries and illnesses all covered by the plan.


Helpful Critical Review

None Available

The Final Word

Medicare Advantage

Aetna offers several types of Medicare Advantage plans. Its plan network structures include HMO plans with only in-network coverage and PPO plans that offer both in- and out-of-network coverage. Its HMO-POS plan primarily offers in-network coverage and has some flexibility to see out-of-network providers for specified services. It also offers a Medicare Advantage Dual Special Needs plan for those qualifying for Medicare and Medicaid. To see what's available in your area, you'll need to input your zip code online.

Aetna's Medicare Advantage plans are an alternative to Original Medicare (Part A and Part B). These plans cover the same services as Original Medicare. Advantage plans also usually offer additional perks and coverage. Some include prescription drug coverage. 

Other perks Aetna offers with these plans include the following: SilverSneakers® fitness membership, Resources for Living®, prescription home delivery, and a 24/7 nurse hotline. Its Resources for Living® program helps you find services in your community and offers support to caregivers. Aetna is a great choice if you're looking for a Medicare Advantage plan.

Prescription Drug Plans

If you have Original Medicare and need to buy a prescription drug plan, both Aetna and Mutual of Omaha have two options and both offer home delivery. Aetna's options are SilverScript Choice and SilverScript Plus. Mutual of Omaha's are Mutual of Omaha Rx Value and Mutual of Omaha Rx Plus. These plans are very similar, but the SilverScript Plus plan has slightly lower copays for tier two drugs than the Mutual of Omaha Rx Plus plan. 

Because the prescription drug plans are so similar, you'll want to compare each plan's drug formularies to see if your preferred medications are covered and the pharmacy network in your area. Depending on your prescription needs, you'll also want to carefully compare out-of-pocket costs for each tier and understand what the coverage gap is.

Medicare Supplement Insurance

Medigap plans help control your out-of-pocket costs for Original Medicare. What each plan covers is standardized throughout the United States even though private companies sell the plans. Mutual of Omaha offers Plan F, High-Deductible Plan F, Plan G, and Plan N. Aetna's Medigap offerings vary by state. In California, for example, it offers Plan A, Plan F, Plan F, High-Deductible Plan F, Plan G, and Plan N.

While Aetna may offer more variety in some states than Mutual of Omaha, Mutual of Omaha gets the recommendation for Medigap plans because its plans include an Additional Benefits Rider. 

With this rider you can participate in Mutually Well, save on Amplifon Hearing Health Care, and discounts through EyeMed Vision Care. Mutually Well is Mutual of Omaha's program that offers discounts up to 30 percent on healthy living products and services, a fitness program, 30-day walking program, and personalized weekly planning for nutrition, fitness, and wellness. 

These additional benefits support you in your health and make Mutual of Omaha's Medigap plans stand out from other insurers' plans.

You'll need to carefully compare Aetna and Mutual of Omaha's Part D prescription drug plans on your own to see which one best meets your needs. Mutual of Omaha gets our recommendation for Medicare supplement plans (Medigap) because access to the additional discounts and benefits make hearing care, vision care, and staying active more affordable and easier.

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