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Mutual of Omaha (United World Life) vs HealthSpring (Medco Containment Life) Medigap in Washington
By Vadim Marusin, licensed Medicare insurance agent in Washington (WAOIC #1365574). Insurer data checked against the state chart current as of October 8, 2026.
A fact-by-fact comparison of the two insurers' Washington Medicare Supplement line-ups, from the state-approved chart. No rankings, no premiums: just what each sells, where and on what terms.
Side by side
| Mutual of Omaha (United World Life) | HealthSpring (Medco Containment Life) | |
|---|---|---|
| Legal name on the state chart | United World Life Insurance Company | Medco Containment Life |
| Parent or brand | a Mutual of Omaha company; its policies are sold as Mutual of Omaha Medicare Supplement | one of the HealthSpring Medicare Supplement companies, formerly part of Cigna and now owned by Health Care Service Corporation (HCSC) |
| Plans sold in Washington | A, G, HD-G, N, F | A, G, N, F, HD-F |
| Counties | All 39 | All 39 |
| High-deductible plans | HD-G | HD-F |
| Medicare SELECT | No | No |
| Sells to people under 65 | No | No |
| Health questions outside protected periods | Yes | Yes |
| Pre-existing condition waiting period | None | Up to 3 months |
| Membership required | No | No |
| Current WA rates effective | August 1, 2026 | August 1, 2026 |
Where they differ
Only Mutual of Omaha (United World Life) sells high-deductible Plan G. Only HealthSpring (Medco Containment Life) sells high-deductible Plan F. Mutual of Omaha (United World Life) shows no pre-existing condition waiting period on the state chart; the other may apply one of up to three months.
Where each one sells
- Who sells here
- Neither
- Only HealthSpring
- Only Mutual of Omaha
- Both
Plans you can compare head to head
| Benefit | A | G | N | F |
|---|---|---|---|---|
| Part A hospital coinsurance, plus 365 extra hospital days after Medicare benefits end | 100% | 100% | 100% | 100% |
| Part A hospice care coinsurance or copay | 100% | 100% | 100% | 100% |
| Part B coinsurance or copay (the 20%) | 100% | 100% | 100%* | 100% |
| Medicare preventive care Part B coinsurance | 100% | 100% | 100% | 100% |
| First 3 pints of blood | 100% | 100% | 100% | 100% |
| Skilled nursing facility care coinsurance | – | 100% | 100% | 100% |
| Part A deductible | – | 100% | 100% | 100% |
| Part B deductible | – | – | – | 100% |
| Part B excess charges | – | 100% | – | 100% |
| Foreign travel emergency (up to plan limits) | – | 80% | 80% | 80% |
| Yearly out-of-pocket limit | – | – | – | – |
How to decide
- Pick your plan letter first; see choosing a plan.
- Check both sell it in your county.
- Get current premiums from both, plus household and bank-draft discounts.
- Ask each about recent rate increases; see rate increases in Washington.
- Remember you can switch later: Washington's switching rule covers Plans B through N.
Insurer pages: United World Life Insurance Company · Medco Containment Life · All comparisons
Common questions
Is Mutual of Omaha (United World Life) or HealthSpring (Medco Containment Life) better for Medigap in Washington?
For any plan letter both sell, the benefits are the same. Compare current premiums, recent rate increases and discounts in your county. Both sell Plan A, Plan G, Plan N, and Plan F.
Do Mutual of Omaha (United World Life) and HealthSpring (Medco Containment Life) both sell Plan G in Washington?
Mutual of Omaha (United World Life): yes. HealthSpring (Medco Containment Life): yes.
Can I switch from Mutual of Omaha (United World Life) to HealthSpring (Medco Containment Life)?
If you have Medigap Plan B through N, Washington lets you switch to another insurer's Plan B through N at any time with no health questions.