Oklahoma Medicare plans come in two forms, Medicare Supplement plans (Medigap) and Medicare Advantage plans, also called Part C. These two types of plans are both sold by private insurance carriers but are extremely different in structure.
Depending on your wants and needs, you may like one type of plan more than the other. Once you learn what type of plan you want, then you can start comparing individual plans to find the most cost-effective option for you.
Choosing your Oklahoma Medicare plan 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.
Oklahoma Medicare Supplements (Medigap)
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, like Plan G or Plan N, 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 in 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. For this reason, this is the best time to enroll in a Medigap plan.
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 each carrier to 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 a Medicare Advantage plan.
Oklahoma Medicare Advantage Plans
Oklahoma Medicare Advantage plans are another good option for people with Medicare. For people over age 65, Medicare Advantage plans offer a lower premium option for getting your Medicare benefits through a private insurer.
If you are under age 65 and on 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.
In that case, you will 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 doctors 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.
Common Questions About Oklahoma Medicare:
These are some of the most common questions we’re asked about Medicare Supplements in Oklahoma.
Technically, you can apply for a Medicare Supplement at any point in the year. However, most people only get one chance to apply for a Medicare Supplement plan without having to answer any health questions. That time is during your 6-month Open Enrollment window.
No. You can’t have both a Medicare Advantage plan and Medicare Supplement at the same time. There is no need for both types of plans.
Yes, however, only people who were eligible for Medicare prior to 2020 are able to apply for Plan F.
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.
Contact us today to request your free Oklahoma Medicare supplement comparison report with the top 3 most cost-effective plans in your area.