mutual of omaha assignment of benefits form

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Should You Sign an Assignment of Benefits (AOB)?

When it’s time to replace your roof and you’ve narrowed in on which roofing contractors you want to use , sometimes you’re faced with more important decisions.

For instance, the roofing company may bring up the term “Assignment of Benefits” (sometimes called Assignment of Claims). If you’re not familiar, let us explain.

What is an Assignment of Benefits (AOB)?

An AOB essentially will transfer your rights for the insurance claim and the benefits of the policy to another party- in this case, a roofer. This gives the roofing contractor the rights to file the claim, make decisions for the repair or replacement of your roof, and collect the insurance payments. All of this is done without your involvement.

Sounds easy, right?

As with Contingency Contracts , there are several things to consider before signing an AOB.

What Should I Know Before Signing an AOB?

Make sure that you read the any contracts thoroughly before signing. This includes asking your roofing contractor to clarify anything you may not understand.

The contract should clearly articulate if there’s AOB and/or the roofer should point it out. If there’s any ambiguity, the AOB terms are buried, or if it’s wrapped up in fancy legal jargon then that should be a red flag. Here are some key things you need to know before signing an AOB:

• An AOB is  not required in order for a roofer to do work on your home and don’t let any roofer tell you otherwise. In fact, many roofing contractors will already be acting on your behalf through the insurance claims process without having you sign an AOB.
• When you sign an AOB, it is a legally binding contract and therefore little option to back out should you change your mind.
• In some AOB terms, you can no longer communicate with your insurance policy as all rights have been handed over to the roofing company.
• Be careful of clever wording that may be used to explain an AOB without directly calling it out.

Generally speaking, there are  very few Omaha roofing contractors that still have the AOB terms in their contract. It’s helpful to understand what it is and ask them for clarification on why they still use it.

Why You Shouldn’t Sign an Assignment of Benefits (AOB)?

The biggest reason to not sign an AOB is the loss of control in the home repair process. Your roofer now has the rights to all your insurance benefits and can work freely (and collect payment) without your input. This might be completely fine if they were a reputable roofer, but you have to ask yourself, why would a reputable roofer even require me to sign an AOB ? (Hint: Most won’t)

When you lose control over your home repairs, you also lose leverage. Since the insurance money is no longer in your hands, your roofer can “complete” a roofing job and submit for payment. There is very little accountability to the quality of work being done. As a homeowner, you can be dissatisfied with the work and have no way to enforce the roofer to rectify any issues- they’ve already received their payment.

In a normal situation where the homeowner is writing all the checks and still holds the AOB, they can require a roofing contractor to remediate any issues related to quality, scope of work, etc by simply withholding payment. In the case of AOB, you can’t withhold any checks since the roofer is filing and receiving money directly from your insurance company.

Are There Any Reasons to Sign an Assignment of Benefits (AOB)?

In the case of an AOB, the majority of the benefits fall on the roofing contractor. They will get paid no matter what and they can work freely without answering to the homeowners. (Note: While not all roofers who use AOBs will scam you, there is more of a opportunity to do so once this is in place.)

In the case of a homeowner, it would be considered a benefit to sign an AOB if the homeowner truly does not want to lift a finger (except paying their deductible). This “benefit”, however, has to be weighed against the loss of control and leverage you lose in regards to the repairs to  your home. You’re relying 100% on the roofing contractor do what they say they’re going to do when they say they’re going to do it.

In our opinion, this is not a tradeoff worth taking.

Very few roofing companies in Omaha have an assignment of benefits as part of their contract. (This fact alone should tell you something.)

Many reputable roofers will already advocate on your behalf with your insurance carrier without requiring you to assign them the benefits of your policy. We highly suggest going this route since the few benefits offered by an AOB are underscored by the amount of control lost to the homeowner.

If you find yourself needing an Omaha Roofer, give Mutual Roofing a call at (402) 889-3381 to schedule your FREE inspection.

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Mutual of Omaha Medicare Supplement Insurance 2024 Review

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Mutual of Omaha

Mutual of Omaha's household discount of up to 12% is larger than most competitors' discounts, and members file few complaints about their policies.

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Speak to a licensed insurance agent on askchapter.org

from askchapter.org

Plan types offered Medigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N

A, F, G and N.

NAIC complaint rate How often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Far fewer than expected

Premium discounts available Based on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.

Above average

• Complaint rates are well below the market average.
• Available in every state but Massachusetts.
• Up to a 12% discount for living with another adult.
• Few choices for plan type.

Mutual of Omaha is an insurance and financial services company. It offers Medicare Supplement Insurance , or Medigap, in 49 states and Washington, D.C.

Mutual of Omaha offers a larger household discount than most companies, and its members have few complaints about their plans.

Here’s what you should know about Mutual of Omaha Medicare Supplement Insurance.

Mutual of Omaha Medicare Supplement Insurance

Mutual of Omaha Medicare Supplement Insurance earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing, coverage options, complaint data from the National Association of Insurance Commissioners and more.

Based on these ratings, Mutual of Omaha Medicare Supplement Insurance is one of the highest rated options on our list of the best Medicare Supplement Insurance companies .

Still deciding on the right carrier? Compare Medigap plans

Mutual of omaha medicare supplement insurance pros and cons.

Mutual of Omaha’s Medigap offerings have advantages and disadvantages.

Members have few complaints: Members file complaints at rates well below the average for all Medigap insurance companies on the market.

Available almost everywhere: Mutual of Omaha sells Medicare Supplement Insurance in every state but Massachusetts.

Large household discount: A discount of up to 12% for living with another adult is larger than many other companies offer.

Plan types: For new Medicare beneficiaries, only Medigap plans A, G and N are available in most states.

Mutual of Omaha Medicare Supplement Insurance plans

Here are the Medicare Supplement Insurance plans Mutual of Omaha offers for any Medicare member where the company operates:

Medigap Plan A — the basic benefits included in every Medigap plan without any extras.

Medigap Plan N — a plan with lower premiums but higher copays.

Medigap Plan G — the highest-coverage option available to new Medicare members. Available as either a standard plan or a high-deductible option.

Mutual of Omaha also offers Medigap Plan F and the high-deductible version of Plan F for beneficiaries who were eligible to enroll in Medicare prior to 2020. Newer Medicare members can’t buy these plans from any insurance company.

Plans A, G, N and F are the “primary plans available across all states,” according to a representative from Mutual of Omaha, but the company also offers other plan types in some states. Enter your ZIP code on the Mutual of Omaha website to see which plans are available in your area.

In addition, Mutual of Omaha offers plans in Minnesota and Wisconsin according to each state's Medigap plan standards, which differ from the standardization system used in the majority of the country.

Cost for Mutual of Omaha Medigap plans

The following price estimates were obtained for three metropolitan areas representing above-average, average and below-average costs for the most popular Medicare Supplement Insurance plans (Plan G and Plan N) [0] NerdWallet analysis of American Association for Medicare Supplement Insurance data . Best Costs Medigap 2024 – Plan G . Accessed Feb 9, 2024. View all sources :

Los Angeles: More expensive than average.

Atlanta: Average cost.

Dallas: Less expensive than average.

The sections below show estimated pricing information from Mutual of Omaha for a 65-year-old female nonsmoker as filed with the Centers for Medicare & Medicaid Services [0] Centers for Medicare & Medicaid Services . Find a Medigap Policy That Works For You . Accessed Jan 11, 2024. View all sources . (Note: Some Medigap prices may be higher for men.)

For comparison, each table also includes the price for the least-expensive option to buy the same plan from any company that filed prices. For example, Mutual of Omaha’s lowest price for Medigap Plan G in Los Angeles appears alongside the lowest price on Medicare.gov for all Plan G policies available in Los Angeles to an applicant with identical demographics.

On average, Mutual of Omaha’s estimated prices for Medigap Plan G were about 22% higher than the least-expensive Plan G policy in the area.

On average, Mutual of Omaha’s estimated prices for Medigap Plan N were about 18% higher than the least-expensive Plan N policy in the area.

Here are some discounts Mutual of Omaha offers to qualifying Medicare Supplement Insurance applicants:

Household: Some applicants can receive up to a 12% discount if they live with a spouse, domestic partner or other adults. In some states, this discount requires that the other household member already has or is applying for a Mutual of Omaha Medigap policy.

Dental policy: Some members that purchase Mutual of Omaha dental insurance within 30 days of starting a Medicare Supplement Insurance policy can qualify for up to a 15% discount on premiums for the dental plan.

Available discounts may vary according to factors such as your location, household status and how you apply for a policy.

Mutual of Omaha member complaints

44% fewer complaints than average.

Members file fewer complaints about Mutual of Omaha’s Medicare Supplement Insurance plans than other insurance companies. Mutual of Omaha and its subsidiaries that sell Medigap plans had a complaint rate about 44% below the average for all Medigap plans, according to 2022 data from the National Association of Insurance Commissioners [0] National Association of Insurance Commissioners . Company Complaint Index . Accessed Jan 11, 2024. View all sources .

NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Mutual of Omaha’s spending on care

79.4% for member benefits.

Medicare Supplement Insurance companies must report data on the premiums they collect and how much they spend to provide benefits for members.

Based on the most recent year of data, Mutual of Omaha Medicare Supplement Insurance plans spend about 79.4% of premiums on member benefits [0] National Association of Insurance Commissioners . 2022 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred) . Accessed Feb 9, 2024. View all sources . (The other 20.6% goes to overhead expenses like administrative costs, marketing, salaries and commissions.)

For comparison, the average for all companies is 80.4%. The minimum required by law for individual Medigap policies is 60% [0] Code of Federal Regulations . Title 42, Part 403, Section 215 . Accessed Jan 11, 2024. View all sources .

Additional benefits

The Medicare benefits of each Medigap plan are standardized, but companies can include other perks with that coverage. Here are some of the extras available with some Mutual of Omaha policies:

Wellness discount program: Mutual of Omaha’s Mutually Well program offers some members low-cost gym memberships, discounts on wellness products and services, and an app to plan and track fitness activities.

Hearing aids and eyewear: Some policies offer discounts on hearing aids, vision exams and eyewear from certain providers.

Mutual of Omaha Medicare Supplement Insurance service area

Mutual of Omaha offers Medicare Supplement Insurance plans in Washington, D.C., and every state except Massachusetts.

Mutual of Omaha covers more than 1.4 million Medigap beneficiaries, and its share of the total Medicare Supplement Insurance market is about 9.2% [0] National Association of Insurance Commissioners . 2022 Medicare Supplement Loss Ratios . Accessed Feb 9, 2024. View all sources .

Mutual of Omaha Medigap customer service

Here’s how Mutual of Omaha members can contact customer service:

Call customer service at 800-775-6000 from 7 a.m. to 5:30 p.m. Central time on Monday through Thursday, or from 7 a.m. to 5 p.m. Central time on Friday.

Email Mutual of Omaha for non-urgent matters through an email contact form or at [email protected] .

Compare Medicare Supplement Insurance companies

Get more information below about some of the major Medicare Supplement Insurance companies. These insurers offer Medigap plans in most states, but specifics may vary depending on your location.

AARP/UnitedHealthcare Medicare Supplement Insurance .

Aetna Medicare Supplement Insurance .

Anthem Medicare Supplement Insurance .

Cigna Medicare Supplement Insurance .

Humana Medicare Supplement Insurance .

Mutual of Omaha Medicare Supplement Insurance .

State Farm Medicare Supplement Insurance .

About Mutual of Omaha

Mutual of Omaha, headquartered in Omaha, Nebraska, was founded in 1909 as the Mutual Benefit Health & Accident Association. The company changed its name to Mutual of Omaha in 1950. Mutual of Omaha sells Medicare Supplement Insurance and Medicare Part D plans, and recently began selling Medicare Advantage plans co-branded with Wellcare. Other products include dental insurance, life insurance, long-term care insurance, disability insurance and other financial services such as annuities, mortgages and investment services.

Find the right Medicare Supplement Insurance plan

Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:

Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.

What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.

Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.

Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.

Medicare Supplement Insurance ratings methodology

NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you.

To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.

Insurer complaints methodology

We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

More on NerdWallet.com

Best Medicare Supplement Insurance Companies

Best Medicare Supplement Plan G Companies

Compare Medicare Supplement Insurance Plans

Medigap Plan G vs. Plan N: Which Is Best?

Mutual of Omaha Medigap Plans Review

Mutual of omaha.

F or those of us who are 65 years and older, going on Medicare can be a sigh of relief. As we step away from work-related insurance coverage, Medicare steps in to take over. But Medicare only pays for 80 percent of your coverage. That’s where Medigap providers like Mutual of Omaha come in, offering supplemental insurance to cover the gap between what Medicare does and doesn’t pay.

Mutual of Omaha has been administering Medicare since its inception. Today, it’s considered one of the top Medigap providers, covering nearly 10 percent of Medicare beneficiaries. It offers plans in all states (except Massachusetts) and is especially popular for speedy claims payments. But there are some cons, like higher premiums and limited plan options. To help you decide, we’ve broken down the company’s most important plan benefits, downsides, prices, and how to navigate buying a policy.

The Pros and Cons of Mutual of Omaha

Pros about mutual of omaha.

• Fast claims fulfillment
• Guaranteed renewal
• Up to a 12 percent household discount
• A+ credit and Better Business Bureau ratings for customer satisfaction
• Customizable; they also sell Part D prescription plans and vision and dental
• Available in most states

Cons About Mutual of Omaha

• Above-average premiums
• Limited plan options
• Frequent premium hikes

Overview of Mutual of Omaha’s Medigap Plans

* As of Jan. 1, 2020, Plan F and the High Deductible Plan F are only available to applicants who became eligible for Medicare prior to 2020.

Which Mutual of Omaha Medigap Plan Is Right for Me?

Because the company offers fewer plans than other companies we’ve reviewed, like Aetna , it might be a bit easier to choose a plan. However, if you’re looking for more variety, you may want to consider other popular providers, like Humana , Aetna, or Blue Cross Blue Shield . We’ve outlined our recommendations for Mutual of Omaha’s various Medigap plans so you can find the one that’s right for your budget and lifestyle.

Seniors Who Need Basic, Comprehensive Coverage

Medigap Plan A (not to be confused with Medicare Part A) is the most basic Medigap insurance you can buy. All providers are required to offer it. While it’s typically the least-expensive plan, Mutual of Omaha’s price is higher than some other options. Plan A covers leftover costs from Medicare Parts A and B, plus additional coverage for 365 days after the Medicare limit.

Seniors Who Want Full Coverage Without High Deductibles or Out-of-Pocket Costs

Plans F and G offer the most coverage and are, therefore, generally the most expensive. They’re nearly identical, except that Plan G does not cover Part B deductibles (a $203 annual expense). Neither requires copays or coinsurance. Plan G is especially popular because it covers all Medicare-approved gap expenses except for Part B. Many positive customer reviews say they had little to no costs once they’d paid their Part B deductible. Both plans offer comprehensive coverage for many seniors’ needs, including hospital coverage, hospice care , outpatient care, skilled nursing facility coverage (up to $194.50 per day for days 21-100), and help with copayments for routine appointments.

Buyer's Tip: Mutual of Omaha offers up to a 12 percent household discount when two family members enroll together. This is an easy way to save on your plan!

Seniors on a Tight Budget Who Don’t Have Frequent Doctor’s Appointments

For seniors who don’t need to visit the doctor frequently, Plan N is a less expensive option for nearly full coverage. However, you’ll be charged a $20 copay for every office visit and a $50 copay for emergency room visits. Because Plan N doesn’t include the Medicare Part B deductible, you’ll also need to pay the $233 deductible (Plan N copayments don’t count toward the annual Part B deductible.).

Seniors With Chronic Health Conditions, Frequent Appointments, or Those Needing Major Procedures

High Deductible Plans F and G offer the most comprehensive coverage for the lowest monthly premiums. But because you have to pay more than $2,000 out-of-pocket before benefits kick in, they’re better for those who know they’ll reach or exceed that deductible to take advantage of the benefits. These might be good options if you’re managing a chronic illness, have frequent follow-up appointments with providers and specialists, or you anticipate undergoing surgery.

How Much Do Mutual of Omaha Medigap Plans Cost?

Monthly costs for a Mutual of Omaha Medigap plan can vary by hundreds of dollars depending on your age, gender, location, and other health factors. The prices below are an estimate for a 65-year-old male, but your exact rates will fluctuate depending on your specific information.

These numbers are individual; they do not reflect the additional household discount of up to 12 percent (applied if two family members enroll together).

How to Buy a Mutual of Omaha Medigap Policy

The good news is, you can apply for a Mutual of Omaha policy online. This isn’t an option with some Medigap providers we’ve reviewed, like Colonial Penn , so we like the added convenience. With an account, you can get same-day approval and downloadable temporary ID cards.

You don’t have to call anyone, but if you prefer to talk to someone over the phone, you can! Keep in mind that by requesting a quote over the phone, you’re consenting to agent calls. You can call Mutual of Omaha toll-free (Monday-Friday, 8 a.m.-8 p.m. CT) or fill out a contact form to have an agent call you.

Here’s how to buy a policy online:

• Enter a valid email address.
• Create a unique username and password.
• Select three security questions and answers.
• Choose a security image.
• Create a security phrase.

Start your Mutual of Omaha enrollment

• Answer whether you’re applying for yourself or someone else.
• Enter your personal information.
• Your Medicare card
• Medicare Part A and B effective dates
• Your Social Security number
• List of medications (over-the-counter and prescription drugs)

Answer the questions for Mutual of Omaha Medigap plans

• Answer the health questions. (You can skip these if you’re in your open enrollment or guaranteed issue period.)
• Review your application by clicking “View.”
• Save your application.

Confirm to continue with Mutual of Omaha enrollment

Enter a payment method for Mutual of Omaha Medigap plans

• Choose how you want to make payments (by mail or bank account) and your billing frequency (quarterly, semiannually, annually).
• Enter your city, state, and Social Security number.
• Review the Consent to Electronic Signatures and Delivery of Documents.
• Select “Yes, I agree.”
• Hit the “Submit” button!

When to Enroll for Mutual of Omaha Medigap Insurance

You can apply for Medigap insurance year-round. If you apply outside of your initial enrollment period, you could be denied coverage due to underwriting. 1 If you have underlying conditions, you might also have to wait up to six months before your coverage goes into effect.

Initial Enrollment Period: This is the first time you can sign up for Medicare Parts A, B, D, and Medigap. For seniors, it’s a seven-month window starting three calendar months before your 65th birthday month and ending three months after your birthday month. For example, June birthdays have an initial enrollment period of March 1 through September 31.

If you’re applying within your initial enrollment period, coverage starts on your birthday month. If your birthday is on the first day of the month, coverage begins the month prior.

Final Thoughts on Mutual of Omaha

With high marks for customer service and fast and efficient claim payments, Mutual of Omaha is consistently in the top 10 providers for Medigap coverage. But its policies can be on the higher side, especially if you don’t qualify for the 12 percent household discount. The company also only offers five of the 10 Medigap plan options, with some regions only offering two or three. Given its long and reputable history, Mutual of Omaha is a solid choice for older adults who want a comprehensive insurance “safety net” and can afford the deductibles, or for seniors who know they need frequent, skilled care and want to cap their out-of-pocket expenses.

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