Oklahoma Medigap plans are competitively priced with many insurance companies offering them. Several well known carriers offer these plans for attractive prices. These are a great option for anyone wanting to get their benefits directly from Medicare but have help covering the gaps.
There are also other Oklahoma Medicare plans available too, such as Medicare Advantage plans. These plans often have lower premiums but work differently then traditional Medicare supplements.
Oklahoma Medicare Supplements (Medigap)
Choosing your Oklahoma Medicare supplement is easy to do when you have the right information at your fingertips. A Boomer Benefits agent licensed to sell Medigap plans can help you find the right coverage. Our friendly approach makes the entire Medicare enrollment process simple for you, and there’s no fee for our help.
To be eligible for a Medicare supplement in Oklahoma, you must live in the state and be enrolled in Medicare Part A & B. Once you have your Medicare card in hand, you can choose from the 10 standardized Medicare supplements available. Each Medigap plan has a specific set of benefits. Some plans, like Plan F, will pay for all of your cost-sharing after Medicare. Other plans may cover just some of those things, but have a lower premium. You can choose the plan that’s right for you.
When you first activate Medicare Part B, you will have six months to enroll into a supplement without health underwriting. This is called your Medigap open enrollment period. During this period you do not have to answer any health questions or disclose health conditions. The insurance company must approve your application.
Medigap for People Under Age 65
The government does not require insurance companies to offer Medicare supplements to people who are on Medicare early due to a disability. Fortunately, in Oklahoma, the state law requires that each carrier offer at least Medigap Plan A to people under 65.
If this is you, it’s very important that you apply for your supplement within 6 months of your Medicare Part B effective date. The open enrollment period will entitle you to buy an Oklahoma Medigap plan without fear of decline for pre-existing conditions. If you miss that window or you cannot afford Medigap coverage, you might consider Medicare Advantage plan.
Oklahoma Medicare Advantage Plans
Oklahoma Medicare Advantage plans are a good option for people with Medicare. For people over age 65, Medicare Advantage plans offer a lower cost option for getting your Medicare benefits through a private insurer. If you are under age 65 (and got Medicare due to a disability) and have missed your open enrollment window for Medicare supplements, chances are that the health conditions which made you eligible for Medicare in the first place will also cause you to be declined by the Medicare supplement insurance company’s underwriting process.
Don’t forget that you still have access to an Oklahoma Medicare Advantage plan as long as you don’t have End Stage Renal Failure. Medicare Advantage plans in Oklahoma are private Medicare health plans. You agree to use the plan’s network of doctor’s and hospitals. You will also pay co-pays for your medical services as you go along. Many of these plans include a built-in Medicare Part D prescription drug plan too.
Get Help Choosing an Oklahoma Medicare Plan
Still have questions? That’s what we are here for. Most Medicare beneficiaries are not aware that there are brokers like us who specialize in Medicare products. Our services are free to you, and you will pay exactly the same price for your coverage whether you use a broker or not. The difference is that we provide back-end support to all our Medicare policyholders so that they are never alone when handling problems, claim denials, rate increases, etc – our Client Service Team is there to support you in everything.