Which states does iHealth Insurance serve for Medigap?

iHealth Insurance Agency is licensed in 32 states for Medicare Supplement: Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Mississippi, Nebraska, New Hampshire, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, and Wisconsin.

iHealth Insurance — Medicare Supplement (Medigap) Plans G, N & HD-G

Q: What Medigap plans does iHealth offer through Mutual of Omaha?

iHealth Insurance Agency offers Mutual of Omaha Medicare Supplement Plans A, F, G, High-Deductible Plan G, and Plan N. The most popular plans for new enrollees are Plan G (most comprehensive available to those newly eligible), Plan N (lower premium with small copays), and High-Deductible Plan G (lowest premium for healthy enrollees). Plan F is only available to those eligible for Medicare before January 1, 2020.

Q: How much can I save with the Mutual of Omaha household discount?

In most states, Mutual of Omaha offers a 12% household discount when you live with a spouse, civil union partner, domestic partner, or have lived with as many as three adults age 60 or older for the past 12 months. The discount applies to your full premium for the life of the policy. North Dakota's discount is 10%, and a few states use a 7% two-person policy discount. For a couple paying $150/mo each on Plan G, the 12% discount saves over $432/year.

2026 plans

The three most-chosen Medigap plans for 2026

All Medigap plans are federally standardized — Plan G from Mutual of Omaha pays the same as Plan G from any other carrier. The difference is the carrier's premium, rate-stability history, and household discount.

Mutual of Omaha Plan G — most comprehensive

The most complete Medigap plan available to those newly eligible for Medicare. Predictable monthly premium; minimal out-of-pocket beyond the Part B deductible.

Part A coinsurance & hospital costs (365 extra days)
Part B coinsurance & copayment — 100%
Part B excess charges — covered
Skilled nursing facility coinsurance
First 3 pints of blood
Hospice care coinsurance
Foreign travel emergency (up to plan limits)

Best for: Enrollees who want maximum coverage and predictable costs. Most popular Medigap plan nationwide.

Mutual of Omaha Plan N — lower premium

Lower monthly premium than Plan G with small copays at point of service. A strong value for healthy enrollees who don't see specialists frequently.

Part A coinsurance & hospital costs (365 extra days)
Part B coinsurance — 100%, except copays
$20 office visit copay (non-preventive)
$50 emergency room copay (waived if admitted)
Skilled nursing facility coinsurance
First 3 pints of blood, hospice coinsurance
Does not cover Part B excess charges

Best for: Healthy enrollees willing to absorb small office/ER copays in exchange for ~$30/mo lower premium than Plan G.

Mutual of Omaha High-Deductible Plan G — lowest premium

The lowest-premium Medigap option. Same comprehensive coverage as Plan G after you meet the federal $2,870 annual deductible (2026 amount).

Same benefits as Plan G after deductible is met
Federal annual deductible: $2,870 (2026)
After deductible: 100% coverage of Part A & B gaps
Premium typically 60–70% lower than standard Plan G
Includes Part B excess charge coverage post-deductible

Best for: Healthy enrollees who rarely use medical services and want catastrophic protection at a low monthly cost.

Licensure

iHealth is licensed in 32 states

Don't see your state? Compare Medigap plans nationwide on InsureClicks — our network includes licensed Medigap agents in all 50 states.

Household discount

Save up to 12% — just for living together

In most of iHealth's licensed states, Mutual of Omaha gives you a 12% household discount on your Medigap premium when you live with a spouse, civil-union/domestic partner, or have lived with as many as three adults age 60+ for the past 12 months. The discount applies for the life of the policy.

Sample annual savings — Plan G household

Monthly premium	12% discount	Annual savings (couple)
$130/mo each	−$15.60/mo each	$374.40
$150/mo each	−$18.00/mo each	$432.00
$180/mo each	−$21.60/mo each	$518.40
$210/mo each	−$25.20/mo each	$604.80

Discount levels: 12% in most states; 10% in North Dakota; 7% two-person policy in select states (Maine, Oklahoma, and others). Eligibility verified at application.

Free Medigap quote

Get your free Medigap quote

A licensed iHealth agent will call you within one business day with rates from Mutual of Omaha and other top-rated carriers in your state. No fees. No obligation.

Mutual of Omaha Plan G, Plan N, and High-Deductible Plan G.
32 states licensed — independent agency since 2009.
One agent, one conversation — no call center, no resold leads.
Same premium as enrolling direct with the carrier.

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FAQ

Frequently asked questions

What Medigap plans does iHealth offer through Mutual of Omaha?+

Mutual of Omaha Medicare Supplement Plans A, F, G, High-Deductible Plan G, and Plan N. The most popular plans for new enrollees are Plan G (most comprehensive available to those newly eligible), Plan N (lower premium with small copays), and High-Deductible Plan G (lowest premium for healthy enrollees). Plan F is only available to those eligible for Medicare before January 1, 2020.

How much can I save with the Mutual of Omaha household discount?+

In most states, Mutual of Omaha offers a 12% household discount when you live with a spouse, civil union/domestic partner, or have lived with as many as three adults age 60 or older for the past 12 months. The discount applies to your full premium for the life of the policy. North Dakota's discount is 10%, and a few states use a 7% two-person policy discount. For a couple paying $150/mo each on Plan G, the 12% discount saves over $432/year.

Why work with iHealth Insurance Agency?+

iHealth Insurance Agency is an independent agency based in Sunrise, Florida with 17+ years of experience helping individuals and families find affordable insurance. As an independent agency licensed in 32 states, iHealth compares Medigap plans across multiple top-rated carriers — including Mutual of Omaha (the agency's primary Medigap carrier) — to identify the best plan and price for each client's situation. Service is free; carriers pay the agency, not you.

Is your service really free?+

Yes. iHealth's agents are paid by the insurance carrier when you enroll, never by you. The monthly premium you pay is identical whether you enroll directly with the carrier or through iHealth. No markup, enrollment fee, or service charge.

iHealth Insurance Agency

Independent agency · Sunrise, FL

1580 Sawgrass Corporate Pkwy · Sunrise, FL 33323
Phone: (866) 298-4773 · Email: info@ihealthinsuranceone.com

iHealth Insurance Agency is an independent insurance brokerage. We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. By submitting the form on this page, you consent to be contacted by iHealth Insurance Agency by phone (including SMS), email, or mail. This is a solicitation for insurance.

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