Speak with a licensed agent: 1-888-414-4547
Start Oklahoma Medigap Quote

Medicare Supplement Plans in Oklahoma

If you have Medicare coverage and are concerned about coinsurance, copayments and deductibles that you must pay under Original Medicare, then a Medicare Supplement plan in Oklahoma may be your solution

What Medicare Supplement plans are available in Oklahoma?

Following are highlights of the top Medicare Supplement insurance plans. There is no one Medigap insurance policy that suits everyone. We recommend that you review and compare plan options against your health care needs.

1. Best for full coverage: Medicare 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%)

2. Best comprehensive coverage: Medicare Plan G

The only difference between Plan F and Plan G, is that G does not cover the Part B deductible. The upside is that the Plan G premium is lower.

3. Best value: Medicare Plan N

The premium drops for 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

4. Best deductible plan: 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. The plan will cover 100% of the costs after the deductible is met.

5. Best for lowest premiums: 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. The plan will cover 100% of the costs after the deductible is met.

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.
  • Insurance companies are not required by federal law 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.

How Much Do Medigap Policies Cost?

As an 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.

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan G$99.07 - $121.08
Plan N$74.24 - $156.86

What Companies Sell Medicare Supplement Plans 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

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 process of plan selection. We work closely with some of the nations 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 or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Oklahoma Medicare Resources

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 residing 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.

Related Topics

Need Help?

Call to speak with a licensed insurance agent now.

(888) 414-4547