Medicare Plans Offered

Plan Type	Blue Cross Blue Shield	Mutual of Omaha
Medicare Advantage (Part C)	Yes (varies by state)	No
Prescription Drug Plans (Part D)	Yes	Yes
Medicare Supplement (Medigap)	Yes – wide selection	Yes – known for Plan G, N, F
Special Needs Plans (SNPs)	Yes (varies by region)	No

Verdict: If you're looking for a Medicare Advantage plan, BCBS is the better fit. For Medigap, both are strong, but Mutual of Omaha is a standout for value and service.

Network & Availability

Blue Cross Blue Shield:

• Available in all 50 states under various affiliate companies.
• Local networks may vary widely by state and BCBS affiliate.
• Strong Medicare Advantage HMO and PPO plan options in urban and suburban regions.

Mutual of Omaha:

• Medigap plans available in nearly all U.S. states.
• No provider networks needed for Medigap – members can see any provider that accepts Medicare.
• No Medicare Advantage plans offered.

Verdict: BCBS has broader plan variety, but Mutual of Omaha’s Medigap plans offer universal provider access with Original Medicare.

Benefits & Extras

Feature	Blue Cross Blue Shield	Mutual of Omaha
Dental, Vision, Hearing	Included in many Advantage plans	Add-ons or standalone only
OTC Allowance	Yes, in most Advantage plans	Not applicable
Telehealth Services	Yes	Not built-in, but allowed with Medicare
Fitness Benefits	SilverSneakers or similar	Not typically included
Caregiver & Chronic Condition Support	Included in some plans	Limited to Original Medicare benefits

Verdict: BCBS Advantage plans offer more extras, while Mutual of Omaha Medigap plans focus on core coverage stability.

Premiums & Out-of-Pocket Costs

• BCBS:
  • Offers $0 premium Medicare Advantage plans in many areas.
  • Costs vary by plan type, provider, and location.
  • Medigap plans can be more expensive in some states.
• Mutual of Omaha:
  • Competitive Medigap pricing with stable rate history.
  • May offer household discounts or rate-lock programs.
  • Slightly higher premium, but low out-of-pocket for Medigap users.

Verdict: BCBS may win on affordability for Medicare Advantage, but Mutual of Omaha offers predictable, long-term value with Medigap.

Enrollment & Ease of Use

BCBS:

• Local enrollment processes vary by state.
• Strong agent network and local customer service.
• Digital tools and mobile apps depend on the affiliate.

Mutual of Omaha:

• Streamlined Medigap enrollment process.
• Well-rated customer service with U.S.-based reps.
• No-frills, easy-to-understand plans.

Verdict: Mutual of Omaha offers a simpler experience, while BCBS gives more variety, which can be good or overwhelming depending on your needs.

Who Each Plan Is Ideal For

Beneficiary Type	Best Pick
Looking for a Medicare Advantage plan	Blue Cross Blue Shield
Prefer Original Medicare with fewer surprises	Mutual of Omaha
Interested in dental/vision/OTC extras	Blue Cross Blue Shield
Want stable, long-term Medigap coverage	Mutual of Omaha
Want to see any doctor accepting Medicare	Mutual of Omaha
Looking for local service	Both

Pros and Cons

Blue Cross Blue Shield Medicare

Pros:

• Wide variety of plan types.
• Strong brand recognition and provider networks.
• Includes dental, vision, and wellness benefits in Advantage plans.

Cons:

• Benefits and customer service vary by affiliate.
• Medicare Advantage plans may have network restrictions.

Mutual of Omaha Medicare

Pros:

• Highly rated Medigap plans.
• Stable premiums and strong customer satisfaction.
• Nationwide access to any Medicare provider.

Cons:

• No Medicare Advantage plans offered.
• Fewer extra benefits (e.g., gym, dental) unless added separately.

Final Verdict: Which Medicare Plan Wins?

The winner depends on your Medicare goals:

• Choose Blue Cross Blue Shield if you want a wide range of plan options, including Medicare Advantage with extra perks like dental, vision, and fitness.
• Choose Mutual of Omaha if you want strong Medigap coverage, predictable out-of-pocket costs, and the freedom to see any provider nationwide who accepts Medicare.

Still not sure? An independent Medicare agent can help you compare side-by-side based on your ZIP code, prescription drugs, and doctor preferences—so you enroll with confidence.