Mutual of Omaha Health Insurance

Mutual of Omaha is a top provider of insurance products for individuals and businesses. Insurance includes Medicare Supplement insurance, life insurance, disability insurance, and long-term care insurance.

Regarding health insurance, Medicare supplemental insurance from Mutual of Omaha is designed to help policyholders with Medicare Parts A and B minimize their financial liabilities. For employers, Mutual of Omaha offers additional insurance protection options such as accident insurance, Employee Assistance Programs, and participant accident insurance.

In general, Mutual of Omaha applicable policies (Medicare supplemental insurance), do cover the costs of substance use and mental health treatment. Some of the specific plans available through Mutual of Omaha Insurance Company include a Mutually Preferred PPO Plan as well as HMO/POS plans.

Mental health coverage is available through some Mutual of Omaha health policies, and it’s important for members to realize that many of the mental health services they require, particularly outpatient, are likely covered by Medicare.

Mutual of Omaha also offers options for employers, including an Employee Assistance Program (EAP). Through the Employee Assistance Program, employees and their benefits have access to counselors and resources designed to help improve health and productivity. Some of the issues that can be addressed through a Mutual of Omaha EAP program include relationships and family, eldercare, childcare, stress management, change and transition, grief and loss, and substance abuse and addictions.

Mutual of Omaha frequently includes behavioral health services. Some plans require precertification, including possible authorization by another professional review organization. If this is necessary, it is indicated on the member’s Mutually Preferred ID card. There are specific network procedures in these instances. For most outpatient behavioral health services, precertification may not be required, but it’s important to check with the company before obtaining service.

While many mental health and behavioral health services are provided to members of Mutual of Omaha without pre-authorization, with rehab preauthorization is necessary. Members are required to obtain precertification for all inpatient admissions, which include mental health and substance abuse. When this is the case, a medical necessity requirement may need to be met. Care providers call Mutual of Omaha for a pre-certification, and provide information include the name of the patient, the admitting hospital or care facility, and relevant medical information.

When Mutual of Omaha is being used as a Medicare supplement, Medicare may cover most of the costs of inpatient residential substance abuse treatment, and then Mutual of Omaha can serve to help cover the gap costs of rehab.