Mutual of Omaha Rx Essential Indiana Part D Plan S7126-117 by Mutual of Omaha
Mutual of Omaha Rx Essential is a 2024 Enhanced Medicare Part D plan from Mutual of Omaha that's available to individuals enrolled in a Medicare Advantage plan without prescription drug plan benefits or Medicare Part A and/or Part B.
This plan has a monthly premium of $24.10, an initial coverage limit of $5,030, an out-of-pocket threshold of $8,000, and a $545.00 deductible that must be paid before cost-sharing begins. CMS rated this plan 1.5 (Poor) out of 5 stars.
See more 2024 Medicare Part D Plans in Indiana.
Part D Plan Basics | |
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Plan ID: | S7126-117 |
Plan Type: | PDP |
Plan Year: | 2024 |
Premium: | $24.10/mo |
Deductible: | $545.00/yr |
Benefit Type: | Enhanced |
Rx Gap Coverage: | No |
Low Income Subsidy: | No |
Availability: | Indiana |
Insured By: | Mutual of Omaha |
Prescription Drug Plan Premium
Although Mutual of Omaha Rx Essential's monthly premium is bundled with the total plan cost, some plans have supplemental costs and/or offer low-income subsidy (LIS) assistance. The following table outlines the premium details of this Mutual of Omaha plan.
Basic Part D Premium: | -$3.00 |
Supplemental Part D Premium: | $27.10 |
Total Part D Premium: | $24.10 |
Part D Premium with Full LIS Assistance: | $24.10 |
For more information about the Low-Income Subsidy (aka, "Extra Help") program, refer to the Social Security Extra Help page.
Prescription Drug Plan Deductible
The Medicare Part D annual deductible with this plan is $545.00. This is the amount you must pay at the pharmacy before Mutual of Omaha begins paying its share.
NOTE: The deductible does not apply to one or more drug tiers in this plan (see "Prescription Drug Plan Out-of-Pocket Costs" below).
Prescription Drug Plan Out-of-Pocket Costs
In addition to the plan's monthly premium and deductible, Mutual of Omaha Rx Essential has copayments (a fixed dollar amount) and/or coinsurances (a percentage amount) that you must pay when you pick up your prescriptions. The following table shows you those costs.
Tier | Preferred | Standard |
---|---|---|
1 (Preferred Generic) | $0.00 copay (deductible does not apply) | $15.00 copay (deductible does not apply) |
2 (Generic) | $15.00 copay | $20.00 copay |
3 (Preferred Brand) | 20% | 22% |
4 (Non-Preferred Drug) | 48% | 50% |
5 (Specialty Tier) | 25% | 25% |
Our Review & 2024 CMS Rating Marks
Each year the Centers for Medicare & Medicaid Services (CMS) rates drug plans (Part D) in four broad categories. We do not recommend joining a plan with an overall rating of less than 3.0. Here are the most recent CMS ratings for this plan.
This Medicare Part D plan gets 1.5 out of 5 stars overall. Here's our quick summary of how well Mutual of Omaha Rx Essential performs.
CMS Measure | Star Rating |
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Overall Plan Rating | |
Drug Plan Customer Service | |
Complaints and Changes in the Drug Plan | |
Member Experience with the Drug Plan | |
Drug Safety and Accuracy of Drug Pricing |
Think twice before joining this sub-par Medicare Part D plan. Indiana seniors looking for a plan that prioritizes customer service may be disapointed with Mutual of Omaha Rx Essential because the plan's customer service score is below average. This plan gets an excessive number of complaints from its members. Sadly, the overall member experience with this Mutual of Omaha plan is poor. As compared to other plans, Medicare says this plan does a poor job managing drug safety and the accuracy of drug pricing.
Every plan covers drugs differently, so it's important to look at your total cost. Although the premium for most enhanced benefit plans is higher than this one, you'll need to make sure it offers greater value in terms of the medications you require. This plan has a deductible, but one tier is excluded (see table above).
Additional Enhanced Medicare Part D Plan Options in Indiana
Here are some additional plans in your area that might be worth reviewing:
- Wellcare Value Script (S4802-150)
- Mutual of Omaha Rx Premier (S7126-084)
- AARP Medicare Rx Walgreens from UHC (S5921-396)
- AARP Medicare Rx Preferred from UHC (S5820-014)
- SilverScript SmartSaver (S5601-190)
Contact Mutual of Omaha
Plan Website: | Mutual of Omaha Plan Information |
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Formulay Information: | Mutual of Omaha Formulary Information |
Pharmacy Information: | Mutual of Omaha Pharmacy Information |
Prospective Members: | (800)961-9006 |
TTY Users: | (800)584-6939 |
If you qualify for Original Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website. You can learn more about the Medicare Advantage program on www.medicare.gov.
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
Citations & References
- Mutual of Omaha, "http://www.mutualofomaharx.com", Last Accessed March 11, 2024
- Medicare.gov, "Explore your Medicare coverage options", Last Accessed March 2, 2024
- Medicare.gov, "How Part D works with other insurance", Last Accessed March 14, 2024
- Medicare.gov, "Costs for Medicare drug coverage", Last Accessed March 3, 2024
- SSA.gov, "Understanding the Extra Help With Your Medicare", Last Accessed March 9, 2024
- CMS.gov, "Landscape Source Files", Last Accessed January 3, 2024
- CMS.gov, "Medicare Part C & D Performance", Last Accessed January 3, 2024