Medicare Supplement Plans in Oklahoma
Suppose you have Medicare coverage and are concerned about coinsurance, copayments, and deductibles that you must pay under Original Medicare. In that case, a Medicare Supplement plan in Oklahoma may be your solution.
Medicare Supplement Plan options in Oklahoma
Following are highlights of the top Medicare Supplement insurance plans. No one Medigap insurance policy suits everyone. We recommend you review and compare plan options against your health care needs.
Medicare Supplement Insurance Plan F
Plan F is an option if your Medicare eligibility effective date is prior to January 1, 2020, and you have not yet enrolled.
- Medicare Part A deductible
- Medicare Part B deductible
- Coinsurance for Parts A and B
- Copayments for Part B
- Excess charges that your doctor may bill
- Foreign travel emergency (80%)
Medicare Supplement Insurance Plan G
The only difference between Plan F and Medicare Plan G is that G does not cover the Part B deductible. The upside is that the Plan G premium is lower.
Medicare Supplement Insurance Plan N
The premium drops for Medicare Plan N, which offers the same benefits as Plan G, with the following exceptions:
- No coverage for excess charges
- Copayment due for office visits: up to $20
- Copayment due for emergency room visits: up to $50 – waived upon admittance
High-Deductible Plan F
- Eligibility: qualified for Medicare before January 1, 2020, but not enrolled
- Difference from Plan F: high deductible and lower premium
- In 2022, the deductible is $2,490. After the deductible is met, the plan will cover 100% of the costs.
High-Deductible Plan G
- Same benefits as original Plan G
- Pay a high deductible in exchange for a reduced premium
- In 2022, the deductible is $2,490. After the deductible is met, the plan will cover 100% of the costs.
Top rated Medicare Supplement Insurance Companies in Oklahoma
Consumer satisfaction ratings for private Medicare insurance companies are listed below. According to the National Committee for Quality Assurance (NCQA), a range of 4 to 5 indicates the greatest customer satisfaction.
- Aetna Life Insurance Company (Oklahoma): 3.5
- Cigna
- Mutual of Omaha
Medicare Supplement Insurance Cost in Oklahoma
For example, if you are a 65-year-old female who does not smoke and lives in zip code 73008, your estimated monthly premium is $95.
| Plan type | Premium Range |
|---|---|
| Plan F | $180.00 – $300.00 |
| Plan G | $117.00 – $220.00 |
| Plan N | $90.00 – $200.00 |
When Can I Apply for a Medicare Supplement Plan?
Enrollment for Medicare Supplement insurance plans is different from Medicare Advantage and Medicare Part D plans.
Medicare Open Enrollment Period:
- It begins the first day of the month of your 65th birthday and ends six months later.
- Enrollment in Part B is a prerequisite.
- Federal law does not require insurance companies to sell you a Medigap plan if you are under 65.
If you apply during the Medigap Open Enrollment Period, insurers cannot charge you a higher premium based on present or pre-existing health conditions.
If you miss the Medigap Open Enrollment Period, insurers can:
- Decline your application.
- Sell you a Medicare Supplement insurance plan in Oklahoma at a higher premium.
There is an exception for beneficiaries with guaranteed issue rights. When you have guaranteed issue rights, the Medicare insurance company is required to:
- Sell you one of the Medicare Supplement insurance plans
- Include pre-existing conditions in the coverage
- Set a premium regardless of previous or current health issues
Our Policy Guides can check to see if guaranteed issue rights pertain to you.
Ready To Learn More?
My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the plan selection process. We work closely with some of the nation’s top-rated carriers, such as Aetna, Cigna, and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.
State Enrollment Statistics
Here is a list of the top five largest counties in Oklahoma:
1. Oklahoma County
1. Tulsa County
3. Cleveland County
4. Canadian County
5. Comanche County
In 2017, more than 571,000 people in Oklahoma were enrolled in Medicare Part A. Some of these beneficiaries were also enrolled in Medicare Part B. In 2015, 179,956 people living in Oklahoma had Medigap policies. According to statistics, 129,308 people were enrolled in Medigap Plan F in 2015.
Accordingly, Medigap Plan F in Oklahoma appears to have the most appeal to Oklahoma residents who have Medicare Supplement plans in Oklahoma. Consequently, many Oklahoma residents think that Plan F is the best Medicare Supplement insurance plan in Oklahoma. Statistics show that approximately 67 percent of Medicare recipients who want additional coverage are enrolled in Plan F.