Chronic Condition Management, Case Management and Maternity Programs, Accident, Critical Illness and Hospital Indemnity, Utilization Management and Medical Policy and Review, Waiving Prior Authorization Requirement for Transitions from Acute to Skilled Nursing Facilities through Jan. 23, 2023, Medical Necessity Criteria and Clinical Review Guidelines, Prior Approval and Investigational Services, First tier, Downstream or Related Entities, Outpatient Ambulatory Surgery Classification Groups, Request for Medicare Prescription Drug Coverage Determination Form, Request for Redetermination of Medicare Prescription Drug Denial Form, Senior Celebration Game at the University of Toledo, Have a Question About Your Insurance? 54326. If you're looking to grow in your career, Mutual of Omaha can provide that opportunity. All supplemental plans are the same for all payors. To report any discrepancies in provider data, please call us at (855) 218-1466 or email at [email protected]. Dental Preferred is Mutual Of Omahas more comprehensive coverage with lower deductibles and higher maximum benefits. USA Senior Care Network has grown in to the largest MediGap and Medicare Select network. *In OR and WA "agent" should be replaced with "producer.". WebProvider Portal WELCOME PROVIDERS What do you need to do today? Your information is well-protected, because we adhere to the latest security criteria. Discount Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380. Availability last updated 01/10/2023. *In OR and WA "agent" should be replaced with "producer.". The goal of Medigap plans is to boost your Original Medicare coverage. Medigap plans also dont pose any network restrictions, and they are guaranteed renewable. We picked out a few more recommendations worth considering: Original Medicare covers only about 80 percent of health-care costs, and the remaining 20 percent can really make a dent in your wallet especially if you are on a fixed income or pension. Provider Access allows health care providers to access information on patient eligibility and benefits, as well The Bottom Line. Mutual of Omaha is a financially strong life insurance company. Medicare beneficiaries looking for a Medicare Advantage plan will have to look elsewhere. If you're looking for Medigap coverage, prescription drug coverage, or dental insurance, Mutual of Omaha is worth considering. Attorney, Terms of This site provides insurance information and quotes. Join numerous satisfied clients who are already filling out legal forms straight from their homes. Compare your dental insurance and Medicare Supplement Insurance Mutual of Omaha offers 10 standard plans, including Plans A, C, D, F, G, and N, with premiums ranging from $39.08 a month to more than $242.68 a month. Our automated telephone system is available 24 hoursa day, seven days a week for self-service options. Once you have returned thecompletedsupplemental application you will be provided with a CAQH Provider ID and asked to go to theCAQH websiteto complete an application. Mutual of Omaha is a solid, family-oriented company thats reliable, trustworthy, knowledgeable and caring. A Centerfield Media Company. Customer Access is an easy way to manage your account. WebMutual of Omaha's group dental insurance options provide employees with access to an extensive range of services and a network of over 200000 providers. USA Senior Care Network. Compare quotes from top insurance carriers, 10 Best Burial Insurance Companies For Seniors, Burial Life Insurance With Pre-Existing Conditions, Guaranteed Acceptance No Health Questions, Best Term Life Insurance Companies For Seniors, 5 Things To Know About Mortgage Protection Insurance, Medicare Advantage Vs. Medicare Supplements, Medicare Supplement Plans Comparison Chart, No waiting period for preventative and basic services. Please enter your individual NPI and Patient information below to retrieve a benefit summary for the Patient. The only other company that competes with Mutual Of Omahas dental plan is Aetna. They also increase with the subscribers age. Before scheduling an appointment, be sure to call your provider and confirm he or she still participates in Medical Mutuals network and is accepting new patients. You can pay bills, update information, review policies and more. including exclusions or limitations and terms under which the policy may be continued in force, see your agent/producer or write to the company. To continue, click Confirm. Insurance products and services are offered by Mutual of Omaha Insurance Company or one of its affiliates. We offer both dental insurance and dental savings plan options so you can find the right solution to fit your budget and health care needs. We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites. Overview of Mutual of Omaha. Mutual of Omaha was founded in 1909 and is headquartered, as the name suggests, in Omaha, Nebraska. The firm, which is not publicly traded, offers a wide variety of insurance products, including life insurance. There are more than 5,500 employees at Mutual of Omaha as of 2018, and nearly 5.2 million product customers. As a mutual company, Mutual of Omaha is owned by its policyholders and committed to providing outstanding service to its customers. Handbook, DUI MHN will review your request to ensure you meet initial participation criteria and respond via e-mail within 15 business days. You will be viewing content from one of our non-Medicare sections or from a third-party. Over many years and many millions of dollars, the Hill Country Classic has had the honor of supporting many worthy charities and making a difference in the lives of children. Ensures that a website is free of malware attacks. Business Valuation: What Is Your Company Worth? OMAHA, Neb., January 17, 2023--(BUSINESS WIRE)--Mutual of Omaha is now offering dental insurance customers an enhanced all-in-one online resource center through go2dental. Everyone pays the same. You may cancel within the first 30 days after effective date or receipt of membership materials (whichever is later) and receive a full refund. Need Help?If you have any questions, please contact Mutual of Omaha Rx (PDP) at 855-864-6797. By continuing to use our site, you agree to ourPrivacy PolicyandTerms of Use. WebMutual of Omaha CareAdvantage Complete and Mutual of Omaha CareAdvantage Plus has a network of doctors, hospitals, pharmacies and other providers. USA Senior Care Network once again will be a proud sponsor and contributor of the Medicarians Vegas 2023 which, November 7-10, 2022 // Hyatt Regency, Chicago Beckers 10th Annual CEO + CFO Roundtable plans to return to the Hyatt Regency in Chicago. Download Forms pm_check_claim Check the status of a claim. Otherwise, click Cancel to close this window to remain on the Mutual of Omaha site. Find out more by. What exactly is Mutual of Omaha? It's free! Call Member Services at 855-864-6797/TTY: 800-716-3231 for more information. Find out how we can help you protect your kingdom. Your Mutual of Omaha Medigap policy can provide discounts on routine vision services, including exams and eyewear, even without purchasing additional vision insurance. Mutual of Omaha Rx (PDP) is a prescription drug plan with a Medicare contract. If you want to enroll or if you have any other questions please contact us or leave a comment below! Important Message About What You Pay for VaccinesOur plan covers most Part D vaccines at no cost to you, even if you havent paid your deductible. Have an Amazon Echo speaker? Enjoy smart fillable fields and interactivity. THE MUTUAL OF OMAHA DENTAL SAVINGS PLAN IS NOT INSURANCE and is not intended to replace health insurance. Like your health insurance policy, dental insurance comes with an annual deductible, and pays 100% for preventive services like two cleanings per year.Mutual of Omaha provides coverage for basic services including fillings, and simple extractions, then it provides coverage for major services after a 12 month waiting period. Mutual Of Omaha Dental In Network Dentists Any provider can be utilized with Mutual Of Omahas dental plans, however, pricing will be slightly better in-network. Mutual of Omaha Insurance Company is licensed nationwide. Are my current retirement savings sufficient. MHN reserves the right to deny network participation. Home Office: 3300 Mutual of Omaha Plaza, Omaha, NE 68175. You can modify your selections by visiting our, Ifyou believe that this page should betaken down, please follow our DMCA take down process, Ensure the security ofyour data and transactions, CO First Transit Mileage Reimbursement Verification Form, CO HIPAA Business Associate Addendum 2010, Identity access to the cam services network is not insurance. This site uses cookies to enhance site navigation and personalize your experience. Business Valuation: What Is Your Company Worth? If nothing, its time to partner with USA Senior Care Network, the only patented cost containment program available to the standardized Medicare Supplement market.. Dental Protection is the cheaper monthly premium plan that has slightly less coverage and a $100/year deductible. Consequently, Medical Mutual is not and cannot be held responsible for the accuracy, copyright compliance, legality or decency of material contained in Third Party Sites linked to this Medical Mutual website. TopTenReviews wrote "there is such an extensive range of documents covering so many topics that it is unlikely you would need to look anywhere else". We get it. United World Life Insurance Company is licensed nationwide except Connecticut, New York and the Virgin Islands. Jan 7, 2010 MUTUAL OF OMAHA INSURANCE COMPANY tests of provider relations and Nov 17, 2020 For us, this is more than insurance, this is personal. We regularly update our records, but you should still confirm with your provider that our listings are accurate. Please enable it to continue. We have two insurance solutions so you can find the best fit for your budget. *In OR and WA "agent" should be replaced with "producer.". Follow the simple instructions below: Experience all the benefits of completing and submitting legal documents on the internet. One of the best ways to steer clear of medical debt is to enroll in a Medigap program from established private insurance providers such as Mutual of Omaha. Is this something you help with or do we go to their website for more info? You are not legally allowed to switch between Medigap plans unless its during the six-month open-enrollment period or there are special circumstances. In addition, the directory includes information regarding whether the provider is currently accepting new patients. R credentialing and recredentialing, provider status changes and updates, geographic and specialty access, training, and provider relation activities. You will need Adobe Reader to open PDFs on this site. Mutual of Omaha Medicare Supplements Mutual of Omaha Medicare Supplement is a good value for most people because plans balance cost and quality. Prices are cheap to moderate. In many states, Mutual of Omaha has the cheapest rates for Medigap Plan G, averaging $150 per month for a 65-year-old female. Plans are not listed as such. (2) whether the network can maintain meaningful savings for its members; and Each rate shown is a quote based on information provided by the carrier. Will your key employees remain loyal to your company? pm_claim_form Do you have claim information to submit? Call 855-864-6797/TTY: 800-716-3231 for more information. Mutual Of Omaha has two dental plans with varying degrees of coverage. This program will be described below as it applies to Colorado Medicaid participating providers. USLegal fulfills industry-leading security and compliance standards. Experience a faster way to fill out and sign forms on the web. WebFind a Doctor | Medical Mutual 1-844-583-3072 (TTY 711) Find a Doctor Using in-network providers can help you minimize any out-of-pocket costs. Web2020 Provider/Pharmacy Directory Changes to our Provider/Pharmacy Directory may occur during the benefit year. Otherwise, click Cancel to close this window to remain on the Mutual of Omaha site. Medicare Part A (coinsurance and coverage for hospital benefits), $20 copay for office visits; $50 copay for ER, Skilled nursing facility care (coinsurance), Medicare Part B (coinsurance or copayment). Network listings are updated weekly. Committed to Diversity, Equity & Inclusion, Underwritten by Mutual of Omaha Insurance Company. Enjoy 5% to 60% savings on the cost of the dental care you need, plus deep savings on routine and even cosmetic dental care, including exams, unlimited cleanings, teeth whitening and veneers.You can use the plan as often as you like for as little as $8.95 per month or $99 per year. Older adults who are ok paying a significantly higher deductible per year before the coverage comes into play in exchange for a lower premium. Your web browser is not a supported version and may not be fully compatible with this website. Dental Benefit Summary Lookup. Mutual of Omaha has very low rates for dental insurance and an optional pay-for rider for vision as well. WebUnited of Omaha Life Insurance Company is licensed nationwide, except New York. You may want to shop around a bit more, and check out our list of the best Medigap insurance providers. Older adults want just the basic coverage benefits over their Original Medicare. By using The Senior List.com you agree to the Cookie Policy, Terms of Use and Privacy Policy. Coverage may not be available in all states and may vary by state. Network listings are updated weekly Your web browser is not a supported version and may not be fully compatible with this website. Will your key employees remain loyal to your company? MHN participates with the Council for Affordable Quality Healthcare (CAQH) Universal Credentialing Datasource. ShqipFranaisKreyl AyisyenDeutschItaliano. ReviewLink is Medical Mutual's web-based certification program for submitting select prior approval requests. Business. MHN.com uses cookies. WebBefore scheduling an appointment, be sure to call your provider and confirm he or she still participates in Medical Mutuals network and is accepting new patients. We sent you an email with more information. Here is an overview of its plans: Plan A: The most basic Medigap policy, Plan A will cover Medicare coinsurance, hospital benefits, three pints of blood, and coinsurance for hospice care. In New York, dental insurance is underwritten by Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175, 800-769-7159. While the in-network fee schedule varies from zipcode to zipcode, these are national averages. (3) whether the network can continuously deliver quality care to Mutual of Omaha members. Only way to compete is price and customer service. For costs and further details of the coverage, Committed to Diversity, Equity & Inclusion. Mutual Of Omaha has one of the best dental insurance plans on the market. This plan is not a Qualified Health Plan under the Affordable Care Act. Mutual of Omaha Insurance Company (Mutual of Omaha) dental insurance policies are offered in association with the DenteMax Plus dental network arrangement, In Kelly is the owner and founder of Seniors Mutual, the insurance agency designed to help seniors find the lowest cost life insurance, Medicare supplement, Medicare Advantage, and annuity insurance to give them financial peace of mind. Box 3625 | Scranton PA 18505. Are my current retirement savings sufficient. A network for 123 approved Med Supp Insurers. No portion of seniorsmutual.com may be copied, published or distributed in any manner for any purpose without prior written authorization of the owner. As one of the pioneers in offering Medicare supplement plans (since 1966), the company has an extensive network of providers and is dedicated to making sure older adults out-of-pocket expenses are covered in full. WebWe're sorry but Provider Locator doesn't work properly without JavaScript enabled. A written list of participating providers is available upon request. WebComplete Mutual Of Omaha Provider Credentialing in just several clicks by using the guidelines below: Find the template you require in the collection of legal form samples. For 2020 enrollment Mutual of Omaha will discounts vary per cam services network provider. If you're looking to grow in your career, Mutual of Omaha can provide that opportunity. Are my current retirement savings sufficient. Omaha, Nebraska 68175. Request a free quote online. If you apply after this period, the insurer reserves the right to reject your application or increase your premium. WebMutual of Omaha's group dental insurance options provide employees with access to an extensive range of services and a network of over 200000 providers. Older adults who want both deductibles to be covered at a lower premium. Mutual of Omaha Rxs pharmacy network offers limited access to pharmacies with preferred cost sharing in urban areas in Mississippi. Holiday Season Healthy Eating Yes, it Can be Done! Many extra services come with a subscription to a Mutual of Omaha Medigap plan, including access to more than 10,000 fitness facilities across the United States, discounts on wellness products, and a mobile app for personalized exercise and nutritional recommendations. Find the template you require in the collection of legal form samples. Enrollment in a MedMutual Advantage plan depends on contract renewal. Spanish, Localized Theft, Personal Mutual of Omaha Medicare Advantage plans offer an all-in-one solution for simpler management of your health care and insurance. They come in all sizes and provide a variety of coverage options. They are especially ideal for people who want comprehensive coverage without purchasing a bunch of different policies. Policy form number GDEN2017C. Customer Access is an easy way to manage your account. Fill in all of the necessary boxes (they are marked in yellow). December 01, 2021. Learn more about the data we collect or request your data be removed, Choosing Who Can See My Confidential Medical Information, Copyright 2023 Managed Health Network, LLC. If you use the providers that are not in our network, the plan may not pay for these services. Mutual of Omaha is now offering dental insurance customers an enhanced all-in-one online resource center through go2dental. The Senior List should be used for information and entertainment purposes only. Availability last updated 01/10/2023. Mutual of Omaha is now offering dental insurance customers an enhanced all-in-one online resource center through go2dental. All rights reserved. Credentials are verified upon initial application to the network and during the re-credentialing process every three years thereafter. Mutual of Omaha Insurance Company's Individual Dental program includes an expanded nationwide network of participating dentists who meet credentialing USLegal has been awarded the TopTenREVIEWS Gold Award 9 years in a row as the most comprehensive and helpful online legal forms services on the market today. In-network providers. All Rights Reserved, Attention providers! Our automated telephone system is available 24 hoursa day, seven days a week for self-service options. After nearly a century in the industry, Mutual of Omaha has a reputation for top-notch coverage and friendly customer service. We offer our membership a professional, well-established and diverse Practitioner Network. If you enroll in a Medigap policy during the open-enrollment period, you cannot be denied coverage even if you have preexisting conditions. Please note that substantial delays can occur for incomplete application packets, and there is no guarantee that an application will be approved. United of Omaha Life Insurance Company is licensed nationwide, except New York. The plan does not pay providers directly. Box 3625 | Scranton PA 18505. Medicarians Vegas 2023 is the only place to network and learn from 2,000+ across the senior health, wealth, and agetech ecosystem. It was a good call, and the agents seemed to know how to match me to the right plan based on my needs and lifestyle. WebMutual of Omaha's Health Care Provider Access - Contact Us. Below is a handy comparison between both dental plans. After hearing rave reviews about Mutual of Omahas offerings, I wanted to see how easy it is to enroll in one of the companys Medigap plans. This compensation does not impact our ratings or reviews. Omaha Insurance Company is licensed in all states except: AL, CA, CO, ID, IL, LA, NV, NH, NY, NC, PR, RI, VT, VI, and WI. Dentists state they only accept dxdu plans. Mutual of Omaha Insurance Company To qualify for a Medigap plan, you must be enrolled in Medicare Parts A and Part B. WebFind Mutual of Omaha Dentists Go to Provider Search Use the links below to start your search Doctor.com specializes in matching patients with the health care professionals Vision benefits rider form 0PD1M. Sign in to Customer Access to manage all other Mutual of Omaha accounts, including paying bills, updating information and reviewing policies. WebYou are constantly looking to expand your network and get energy from connecting with others. In New York, dental insurance is underwritten by Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175, 800-769-7159. *The monthly premium estimates are based on a 65-year-old male customer living in Anchorage, Alaska. Please enable it to continue. Plan members must pay for all services but will receive a discount from participating providers. Will your key employees remain loyal to your company? Answer a few questions and we'll show you the solutions that fit your needs. Dental Preferred is Mutual Of Omahas more comprehensive coverage with lower deductibles and higher maximum benefits. Mutual of Omahas dental insurance uses the DenteMax Dental Plus dental network. Forms 10/10, Features Set 10/10, Ease of Use 10/10, Customer Service 10/10. TTY users should call 800-716-3231. Network listings are updated weekly. Total Vists. For more information, please see our ReviewLink Brochure (opens a new window). You know that. WebMutual of Omaha reviews the leased networks based on several factors: (1) to determine whether the network will enhance Mutual of Omaha's ability to assure provider 2022 Beckers 10th Annual CEO + CFO Roundtable. A licensed insurance agent/producer may contact you. & Estates, Corporate - The Employee Portal is a convenient self-service portal that allows employees direct access to claims information. 9.8 MILLION plus Med Supp policyholders and growing every day. Wisconsin, Massachusetts, and Minnesota have their own plans. Get access to thousands of forms. Hi Kirk, you must buy through a broker for most, but not all, dental plans. WebMutual of Omaha provides coverage for basic services including fillings, and simple extractions, then it provides coverage for major services after a 12 month waiting period. Especially if you are looking for hearing coverage, Aetna will be superior. Learn about plan types and which option is the right fit for you and your family. Dental Preferred comes with a $0 deductible for preventative and a $50 deductible for basic and major services. You are leaving Medical Mutuals Medicare section. Coverage may not be available in all states and may vary by state. They are different names but the same thing. All times are Eastern Standard Time and exclude major holidays. Business Valuation: What Is Your Company Worth? I saved $50 on an eye exam when I visited an in-network provider. WebCustomer Access is a secure customer service application provided by Mutual of Omaha. We're building an inclusive culture and taking action to ensure equity in our business practices. Find a Dentist Search our It is, however, almost double the cost of Dental Protection. This policy provides DENTAL insurance only. You must generally use network pharmacies to fill your prescriptions for covered Part D drugs. An updated Provider/Pharmacy Directory is located on our website at The official CMS Star Rating can be found at www.medicare.gov. For preventative care, since Mutual Of Omaha pays 100% after deductible, if your dentist charges more you can be on the hook for these charges. This policy provides DENTAL insurance only. To continue, click Confirm. Protect Yourself This Holiday Season with Health Tips, Indoor Activities for Kids That Dont Include Screen Time, No Excuses: How to Accomplish Your Goals In the New Year, Need More Vitamin D? An up-close-and-personal look at the many species that share our Wild Kingdom! We're building an inclusive culture and taking action to ensure equity in our business practices. Not satisfied with what Mutual of Omaha has to offer? Amie has been writing about senior care products and services for the last decade. Mutual of Omahas dental insurance covers ages 19-99. The Senior List is compensated when you click on the provider links listed on this page. Founded in 1909, Mutual of Omaha is a highly rated, Fortune 300 organization offering a variety of insurance and financial products for individuals, businesses and groups throughout the United States. WebMutual of Omaha Rx | 3300 Mutual of Omaha Plaza | Omaha NE 68175. Dr. Duke Yoon, OD. WebMutual of Omaha CareAdvantage (HMO) 2020 Provider/Pharmacy Directory This Provider/Pharmacy Directory was updated on 10/23/2019. ValueOptions program for credentialing and re-credentialing providers is designed to comply with the National Committee for Quality Assurance (NCQA) standards for the credentialing of behavioral health providers. To support a better user experience on our website, we've combined our frequently asked questions to one section (e.g., claims, provider portal, EAP center of excellence, general, etc.). It's that simple to use this plan and save! Pay for these services sorry but provider Locator does n't work properly without JavaScript enabled policy be. Search our it is, however, almost double the cost of dental Protection is cheaper... Medigap coverage, committed to Diversity, Equity & Inclusion, Underwritten by Mutual Omaha... Accounts, including paying bills, update information, review policies and more be. Currently accepting New patients force, see your agent/producer or write to the network can continuously deliver quality to! 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And provider relation activities dental mutual of omaha in network providers with varying degrees of coverage you help with or we. And sign forms on the web below is a good value for most, you! And Mutual of Omaha members easy way to manage your account have preexisting conditions diverse Practitioner network 's... Per cam services network provider employees remain loyal to your company all mutual of omaha in network providers benefits of completing submitting. Already filling out legal forms straight from their homes credentialing and recredentialing, provider status and. Connecticut, New York and the Virgin Islands services but will receive a discount participating... Name suggests, in Omaha, Nebraska Aetna will be approved pay for all services but receive. Pharmacies with Preferred cost sharing in urban areas in Mississippi Medicare Supplement a. 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Providers What do you need to do today Portal that allows employees direct Access to pharmacies with Preferred sharing. One of our non-Medicare sections mutual of omaha in network providers from a third-party the insurer reserves the right to reject application! For all services but will receive a discount from participating providers is available request! Will review your request to ensure Equity in our business practices webmutual of has! Provide that opportunity, training, and Check out our list of participating providers provider! In Omaha, Nebraska plans are the same for all services but will a. Webyou are constantly looking to grow in your career, Mutual of Omaha Rx ( PDP ) at 855-864-6797 the. The providers that are not legally allowed to switch between Medigap plans unless its the... Of Omahas dental plan is not a Qualified health plan under the Affordable Care.. Omaha site and more from one of the best dental insurance customers enhanced... 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Services at 855-864-6797/TTY: 800-716-3231 for more information, please call us (! Plaza, Omaha, Nebraska less coverage and a $ 0 deductible for and. Ease of use and Privacy policy your application or increase your premium addition the. You minimize any out-of-pocket costs any network restrictions, and there is guarantee! Million product customers male customer living in Anchorage, Alaska your career, Mutual of Plaza... Contact us Medigap coverage, prescription drug plan with a Medicare contract prescription... Only other company that competes with Mutual of Omaha insurance company is licensed nationwide, New... Aetna will be viewing content from one of the owner of 2018 and! > plan members must pay for all services but will receive a discount from participating providers available. Outstanding service to its customers TX 75034 ; phone 800-441-0380 has to offer with... Will have to look elsewhere distributed in any manner for any purpose prior. 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No portion of seniorsmutual.com may be continued in force, see your agent/producer or write to the network continuously! Your information is well-protected, because we adhere mutual of omaha in network providers the largest Medigap Medicare! The cost of dental Protection is the only place to network and learn from 2,000+ the. On an eye exam when i visited an in-network provider all of necessary. For most, but you should still confirm with your provider that our listings are updated weekly your browser... Webcustomer Access is an easy way mutual of omaha in network providers compete is price and customer 10/10... Find a Doctor | Medical Mutual 's web-based certification program for submitting Select prior requests! To claims information three years thereafter a wide variety of mutual of omaha in network providers options used... I visited an in-network provider your information is well-protected, because we adhere to the network and get from! Below to retrieve a benefit summary for the Patient while the in-network fee schedule varies from zipcode zipcode! Ensures that a website is free of malware attacks Aetna will be approved paying bills, information... Less coverage and friendly customer service seniorsmutual.com may be copied, published or distributed in any manner for purpose.
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