Mutual of Omaha Medicare Plans

Mutual of Omaha Medicare Plans


Enrollment in Medicare, a U.S federal health insurance program, can provide you with coverage for hospitalization, doctor appointments, preventative care, labs, and medical tests. You’re eligible for Original Medicare at age 65, which includes Medicare Part A (hospital) and Medicare Part B (medical insurance).

But while original Medicare adequately meets the healthcare needs of many older adults, it doesn’t offer extensive coverage. It only covers about 80% of medical costs, and it doesn’t include a prescription drug plan. As a result, you could end up paying a lot for health care out of pocket. A health plan with comprehensive benefits can prove more cost-effective as you approach retirement. For this reason, you should look into a Mutual of Omaha Medicare Advantage or Medicare Supplement plan.

How Does Mutual of Omaha Medicare Advantage Work?

A Medicare Advantage plan is Medicare offered by a private insurance company. These plans include the same basic coverage as Original Medicare, in that they offer Medicare Part A and Medicare Part B. However, these plans offer additional coverage, too. 

Mutual of Omaha’s Medicare Advantage plan functions as all-in-one medical care. You’re covered for hospital stays (with the exception of hospice, which you’ll get under Original Medicare), skilled nursing facilities, doctor’s visits, preventative care, labs, medical tests, and other health care. 

Other coverage included in a Mutual of Omaha Medicare Advantage plan:

  1. Medicare Part D Prescription Drug Coverage 

One feature that separates Mutual of Omaha’s Medicare Advantage plan from Original Medicare is that the latter doesn’t include a prescription drug plan (PDP). Medicare Advantage plans include coverage for prescription medication — generic or brand prescriptions. Under Medicare Part D, you’ll pay a low copay for medications, helping you save money.

  1. Dental and Vision Coverage 

In addition to regular doctor visits with a specialist or primary care physician, Medicare Advantage plans include dental benefits that extend beyond basic coverage to protect your teeth and gums. You’ll also receive coverage for routine eye examinations, contact lenses, and eyeglasses at no extra charge.

  1. No Copays for Lab Tests

Copays and coinsurance for lab tests can be expensive, so you may delay scheduling a recommended test. When you sign up for Mutual of Omaha’s Medicare Advantage plan, you won’t pay a copay for most labs or tests.

  1. Free Enrollment in the Silver Sneakers Fitness Program

Being physically active is an excellent way to maintain a healthy weight and promote heart health. Through Mutual of Omaha’s Medicare Advantage plan, you’ll also receive a free gym membership through the Silver Sneakers Program.

  1. Medical Transportation Benefit

If you need assistance getting to and from your doctor appointments, this plan includes a transportation benefit to cover the cost of travel to appointments. Depending on your diagnosis or condition, it may also cover non-emergency ambulance service to and from your doctor.

  1. Over-the-Counter Allowance

Each quarter, Mutual of Omaha’s Medicare Advantage plan gives you an allowance toward over-the-counter health-related items. Covered items range from bandages to non-prescription medications.

How to Enroll in a Mutual of Omaha Medicare Advantage Plan

If you feel that a Medicare Advantage program through Mutual of Omaha is the right fit for you, enrollment is during the seven-month period when you initially become eligible for Medicare. This period begins three months before your 65th birthday and ends three months after your 65th birthday. 

To enroll at a later time (or switch plans), the Open Enrollment Period occurs each year from October 15 to December 7. If you enroll during the annual open enrollment, your coverage doesn’t begin until January 1. You might be eligible to take advantage of special enrollment periods if you move to a different area, or if you lose your health insurance coverage at work.

If you have health insurance through work, speak with your employer first to see how enrollment in a Medicare Advantage plan will affect your coverage at work. 

Do You Need Mutual of Omaha Supplement Insurance?

But while a Mutual of Omaha Medicare Advantage plan is necessary for some seniors due to the extra benefits, you might be okay with Original Medicare. In this case, consider enrolling in a Mutual of Omaha Medicare Supplement insurance plan to pay costs that Original Medicare doesn’t cover (copays, coinsurance, and deductibles). 

One benefit of getting a Mutual of Omaha Medicare Supplement insurance plan is that you’re able to use your plan anywhere Medicare is accepted, including in different states and when traveling internationally. 

There are 10 basic standardized Medicare Supplement insurance plans, each with varying coverage amounts that vary by state. You’ll need to review these plans and then determine which one is right for you. 

Another benefit of supplemental insurance is that your plan can never be canceled, as long as you continue to pay your premiums. Also, you can’t be denied for pre-existing health conditions if you apply during open enrollment. This period starts once you turn 65 and enroll in Medicare Part A and Part B, but it only lasts for six months. 

Keep in mind that Medicare Supplement insurance can only be purchased if you have Original Medicare. It cannot be combined with a Medicare Advantage program. You can, however, purchase a standalone Medicare Part D prescription drug plan to accompany your Mutual of Omaha Medicare Supplement insurance.

Even though there are 10 standardized Medicare Supplement insurance plans. Mutual of Omaha’s most popular plans include: Plan F, Plan G, and Plan N.

Benefits Plan A Plan B Plan C Plan F Plan G Plan K Plan L Plan N
Part A Coinsurance and Copay 100% 100% 100% 100% 100% 100% 100% 100%
Part B Coinsurance and Copay 100% 100% 100% 100% 100% 100% 50% 75%
Part A Deductible 100% 100% 100% 100% 50% 75% 100%
Part B Deductible 100% 100%
Blood (first 3 pints per year) 100% 100% 100% 100% 100% 50% 75% 100%
Part B Excess Charges 80% 80% 80% 80%

Final Word

Whether you’re interested in learning about enrollment in Medicare, or just looking for a Medicare Advantage plan or Medicare Supplement insurance, Mutual of Omaha has a Medicare solution to help reduce your out-of-pocket costs. Speak with Mutual of Omaha to learn more about these Medicare plans and request a quote.





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17-Year Old Teen is the First to Have Books Become a Requirement at School

17-Year Old Teen is the First to Have Books Become a Requirement at School


In addition to writing three books, 17-year old Essynce Moore’s books are mandatory for several school districts, including the Hillside School District in New Jersey and Charter Schools in Brooklyn, New York. Now, Essynce aspires to have her Middle School Chronicles book series in additional schools all across the globe in various countries as not only mandatory reading but a part of their curriculum.

Her books are a part of a series that she created called The Middle School Chronicles. According to BlackNews.com, when Essynce’s first book in the series was released in 2015, it immediately became an Amazon Top International seller.

According to BlackNews.com, Essynce’s books are often used to prepare students for the challenges of middle school by focusing on “self-esteem, bullying, how to handle certain situations with teachers/friends, encourage youth to live their dreams now, and so much more.”

Even parents learn many lessons from Essynce’s books which helps them to fully understand their children’s experiences in middle school. As she states, “They think they know the truth about what happens in middle school, but they have no idea!” In addition to publishing books, Essynce is also an incredible speaker who enjoys encouraging her peers to go their absolute highest at schools, in conferences, and workshops during her travels across the country. She empowers both teens and adults alike.

Essynce’s wish list is meeting her idols including Oprah Winfrey, Tyler Perry, Ellen DeGeneres, Steve Harvey, Zendaya, Rihanna, Ian Somerhalder, Michelle Obama, and more. She also hopes to visit schools throughout the United States to discuss entrepreneurship in the education system as well as other opportunities that are centered around children and teens.





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Former Diddy Assistant-Turned-Event Planner Powerhouse to Honor Black Women Behind the Music

Former Diddy Assistant-Turned-Event Planner Powerhouse to Honor Black Women Behind the Music


After curating some of the hottest celebrity events around the world, Karleen Roy is using her creative genius to launch the first annual event to celebrate black women working behind the scenes in the music industry. On Jan. 23, “Grit Before The Gram: The Soundtrack of Our Solidarity,” will honor unsung women who’ve left their mark in the entertainment business but aren’t thanked for doing the grunt work in the trenches.

“I’ve worked in the music business for 16 years now. And I’ve been in so many places. I’ve been around the world at least 15 times…and I have never been to an event [that intended to] celebrate and highlight the women who are actually grinding and actually doing the work,” she told BLACK ENTERPRISE. In contrast, many events are “about the celebrity. It’s not about the people that’s doing the work.”

Taking place in Los Angeles during Grammy Week, the inaugural event will award Yvette Noel-Schure, Beyoncé’s longtime publicist and the founder Schure Media Group, and Nija Charles, a Grammy-nominated songwriter and producer. A number of high-level executive women—which Roy dubs “The Alliance”—will also be in attendance, including Shari Bryant, the co-president of Roc Nation, Sylvia Rhone, the chairman and CEO of Epic Records, Ethiopia Habtemariam, the president of Motown Records, and Debra Lee, the former president of BET.

Roy says “Grit Before The Gram” is the project she’s most proud of thus far in her career, which began after she graduated from Howard University and took an unpaid internship at Def Jam. From there she was hand-selected to run the day-to-day operations of Ne-Yo’s management company. Later, she went on to work as the senior executive assistant to Sean Combs at Bad Boy Entertainment before founding The Vanity Group, a boutique agency that specializes in high-profile celebrity and corporate events. Since its launch in 2013, The Vanity Group has curated Cardi B’s bodega theme-baby shower, Rick Ross’s daughter’s sweet 16, and Carol’s Daughter 25th Anniversary party at the Smithsonian National Museum of African American History and Culture.

In an interview with BLACK ENTERPRISE, Roy opened up about the inspiration behind Grit Before the Gram, the business lessons she learned from Diddy, and what it takes to run a business as a black woman.

BLACK ENTERPRISE: What inspired you to create Grit Before the Gram?

Roy: I took my mom to go see [Ain’t Too Proud To Beg] and it was so good. And when I left, I was like, ‘this is such a powerful story. There will never be a story like this about a woman who worked in the music business.’ You can’t tell the story of The Temptations or anybody in the golden era of Motown without mentioning Berry Gordy. He was such a giant figure in music but there were actually more women involved who were grinding and basically in the trenches with him. There needs to be something to celebrate and highlight us. So that is essentially how Grit Before the Gram was born. The Grit is a nod to the women who were grinding and putting in work before Instagram became a thing.

BE: What makes this event different from other events honoring women in music?

It’s for us, by us. There is no other event, period, that is produced by a black production company, a black woman who works in the business for the past 16 years. So, if anybody knows how to put together a quality event for black women and works in music, it’s me.

BE: What does the phrase “grit before the gram” personally mean to you?

It means connecting generations. As I mentioned, ‘grit’ is a nod to the women who were grinding and putting in the time during the golden era of hip-hop music and black music. And ‘gram’ is a nod to the young women who are in the business who are new and young and in their 20s and 30s and who have pretty much got into the business during a highlight of the social media age.

BE: What lessons in business did you learn as Diddy’s executive assistant that you’ve applied to your own company?

One thing I have learned from Mr. Combs is don’t be afraid to push the limits. Because I was lucky enough to work so close to him, I saw every day the results of going hard. He goes hard with everything in his life from his kids’ football games to the Easter basket for his daughters. He’s putting in 150% with everything he does. So, he’s no stranger to hard work and that’s something that I quickly picked up working for him.

What I’ve also learned for him is you can be yourself and get paid for it. Mr. Combs is who he is, whether he’s meeting with the chairman of Apple or if he’s having a meeting with French Montana, like he is who he is. And he doesn’t dumb down who he is. He doesn’t shrink his blackness when he walks in a room full of white people, like he is who he is. And that’s the genius of him and that’s how he makes his living. And when I started The Vanity Group, I didn’t want to start a business where I felt confined where I felt like I couldn’t be myself or have big bushy hair one day and braids the next day. If I thought something was whack, I wanted to say that s–t is whack. I didn’t want to have change who I was just to make a living.

If you want 50 ask for 100. People are always going to try to cut you down on your rate or your fee for how much they think that you are worth. But it’s not about worth, it’s about value—the value you are bringing to the table. Young people go to jobs [interviews] and be like, “I’m worth more than that.” You think so but what value are you bringing to the company?

BE: That’s a really interesting concept, the difference between worth and value. What’s the difference between knowing your worth and your value?

I don’t know if there’s like a Google button that tells you how much you should be negotiating or what to ask for, but some people just get in their minds how much they’re worth, but they lack the skill. They lack the “receipts,” as the young people say now. They lack the receipts to yield the money they think they should be making. So you actually should take the time to learn, fine-tune your craft, [and] get the experience so that you actually can go to a company and say, “this is my value that I’m bringing to the organization.”

BE: What challenges have you encountered as a black woman in business?

It’s very hard being a black woman in business because people don’t show up for us. Meaning people don’t think they have to do their best when working with the black woman. I can’t tell you how many interviews I’ve been in where the person on the other side of the desk has been like, “yeah, girl, because honey…” If you were sitting in a meeting with Steve Jobs, I doubt that you would be that comfortable. I doubt that she would be that lax, I doubt that you would be that unprofessional. I think people perceive that when we look alike that you deserve less. I don’t know what it is, but it’s challenging being a business owner…I just don’t think that people give their all to black women. They give us less…I even hear it when I’m in meetings. It’s like, “Oh, that’s a black company so we can pay them a lower rate.”

BE: What’s your biggest career highlight thus far?

Grit Before the Gram. I said last year in a staff meeting that I no longer wanted to wait for opportunities. Waiting for opportunities is waiting for a potential client to call us or email us and say, “Hey, are you guys available for this event?”…Like, why? We can do our own sh–t. We don’t need to wait for people. We can create it on our own.

 


Editors’ Note: This interview has been lightly edited for brevity and clarity.





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Houston’s Amanda Edwards Sets Out to Become Texas’ First Black Woman U.S. Senator

Houston’s Amanda Edwards Sets Out to Become Texas’ First Black Woman U.S. Senator


Houston City Council Member Amanda Edwards is making a run to become the next Democratic U.S. Senator from Texas, according to The Grio.

If she garners enough support and is elected to office, she will become the state’s first black woman to hold the post. She is running to replace Republican incumbent Sen. John Cornyn.

“I’m running to be the next U.S. senator because I believe that the time has come and gone for people just to be about politics and making promises on those campaign trails and under-delivering,” Edwards told The Grio.

It’s going to be a real challenge as Edwards is facing a field of 11 other candidates in the upcoming Democratic primary taking place on March 3rd. Her rivals running for the same spot include former Rep. Chris Bell, state Sen. Royce West, and union activist Cristina Tzintzún Ramirez, just to name a few.

“I think it’s time that we have servant leaders in office who are focused on people, but most importantly, delivering the results for people that they deserve. I bring agility to the table, an ability to connect with people to the table, and then most importantly, a commitment and laser focus on delivering for people to the table. I think right now there has been this concept that you have to check certain boxes or send in a certain order in order to be someone who could be effective while in office and I think that quite frankly, is just wrong.”

Edwards has a very big Texas supporter pulling for her to become victorious in her quest: Beyoncé‘s mother, Tina Knowles-Lawson. “I was so grateful for Tina Knowles-Lawson and her support. She got behind me. She really connected with my story. And she believes and she has seen it. I mean, we’ve seen it through the legacy her children in that anything is possible.”

According to the Texas Tribune, Lloyd Bentsen was the last Democrat elected to the U.S. Senate from Texas in 1988.

To find out more information on Houston City Council Member Amanda Edwards, check out her website.





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8 in 10 Black Americans Say Trump is ‘A Racist’, Poll Finds

8 in 10 Black Americans Say Trump is ‘A Racist’, Poll Finds


According to a new Washington Post-Ipsos poll published on Jan. 17, 2020, more than 8 in 10 black Americans believe that President Donald Trump is a racist. The poll also finds that black Americans believe the president has made racism a bigger issue in the country.

The poll, which was conducted Jan. 2 to Jan. 8, found former Vice President Joe Biden is currently black Democrats’ candidate of choice with the election 10 months away. Biden had the support of 48% of survey respondents, Bernie Sanders had 20% and Elizabeth Warren had 9%.

Nine in 10 blacks disapprove of the president’s job performance. Trump campaigns on having the lowest unemployment rate for black Americans in the history of the country, but 77% of respondents of the poll give him “only some” or “hardly any” credit for the 5.5% black unemployment rate.

“I don’t think [Trump] has anything to do with unemployment among African Americans,” said Ethel Smith, a 72-year-old nanny who lives in Lithonia, Georgia, told The Washington Post. “I’ve always been a working poor person. That’s just who I am.”

Sixty-five percent of blacks surveyed said they feel optimistic about their lives “all” or “most of the time” but another 65% say it’s a bad time to be black in America. Only 16% think that a black child born in the U.S. today has “a good opportunity to achieve a comfortable standard of living.”

Dana Clark, a black father of 11 in Ontario, California, tells all his children it’s possible to succeed in America.

“I tell them we’re going to set this plan up. Whatever you want to do you’re going to be able to do it,” he said. “But it ain’t going to be easy, especially if [you] want to make some money because you’re going to be in a world where they’re not going to expect you to be there. You can get what you want, but you’ve got to work harder, faster and stronger.”

 





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Oprah Cancels Production On #MeToo Doc About Russell Simmons

Oprah Cancels Production On #MeToo Doc About Russell Simmons


Oprah Cancels Production On #MeToo Doc About Russell Simmons

Oprah Winfrey, center, stands with Russell Simmons, right, and other mourners as the casket enters for the funeral of Eunice Kennedy Shriver at Saint Francis Xavier Roman Catholic Church in the Hyannis section of Barnstable, Mass., Friday, Aug. 14, 2009.

Oprah Winfrey has pulled the plug on her involvement in an upcoming #MeToo Documentary featuring a woman who accused Russell Simmons of rape, The Verge reported.

The documentary was slated to appear on Apple TV+, but Oprah said she will no longer serve as executive producer of the project because she and the filmmakers are “not aligned in” their “creative vision.”

The media mogul made the announcement through a statement via Deadline and other media outlets. Her full statement reads:

“I have decided that I will no longer be executive producer on The Untitled Kirby Dick and Amy Ziering Documentary and it will not air on Apple TV+. First and foremost, I want it to be known that I unequivocally believe and support the women. Their stories deserve to be told and heard. In my opinion, there is more work to be done on the film to illuminate the full scope of what the victims endured and it has become clear that the filmmakers and I are not aligned in that creative vision. Kirby Dick and Amy Ziering are talented filmmakers. I have great respect for their mission but given the filmmakers’ desire to premiere the film at the Sundance Film Festival before I believe it is complete, I feel it’s best to step aside. I will be working with Time’s Up to support the victims and those impacted by abuse and sexual harassment.”

Winfrey made the announcement after getting backlash from rappers like 50 Cent, The Game and Simmons himself. They accused the first Black woman to become a billionaire of targeting Black men who were accused of sex crimes, but letting their white counterparts get a pass.

RELATED: 50 Cent Criticizes Oprah For Only Going After Black Men Accused of Sex Crimes

However, as noted in her aforementioned statement, Winfrey said she still believes and supports Simmons’ accusers. Despite this, 50 Cent thanked Winfrey in an Instagram post for removing herself from the documentary.

“Alright, alright, alright Oprah we love you, thank you for responding and if you ever need me for anything I’m here,” the rapper captioned in his post of a screenshot of Deadline’s article.

Simmons also responded to Winfrey’s announcement with a long, heartfelt Instagram post to the beloved media icon. In it he says the documentary was troubling because Winfrey had “been a shining light to my family and my community. Contributing so much to my life that I couldn’t list a fraction of it …”

He went on to accept responsibility for being “guilty of exploiting, supporting, and making the soundtrack for a grossly unequal society,” but maintained he has never forced himself on anyone.

This article was written by Isheka N. Harrison for The Moguldom Nation on January 13, 2020.





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