I havent really had any bad experiences with Mutual of Omaha, I cant tell what Medicare covers, I thought if I had clinic coverage, then Medicare would cover it, but I keep getting bills for stuff that they dont cover, then if Medicare doesnt cover then Mutual of Omaha doesnt cover, like Pap exams, should be covered once a year, but I seem to get a bill every time that says they did not cover it, being on dialysis its important to have the pap test every year.