Medicare in Broken Arrow, Oklahoma, has two primary parts, Part A and Part B, which insure many of an enrollee’s inpatient and outpatient emergency medical costs.
However, for Broken Arrow residents, several optional Medicare Supplement plans exist to add new healthcare layers to their baseline Medicare coverage.
Medicare plans in Broken Arrow, Oklahoma
There are several supplemental plans for Medicare in Broken Arrow, Oklahoma, and dozens of suppliers. Unlike Part A and B Medicare, private insurance companies offer these plans without cost standardization.
We’ll examine and compare three primary categories of supplemental Medicare in Oklahoma: Medicare Advantage, Medicare Part D, and a category of additional plans commonly called ‘Medigap’ plans. Note that the rates below are average costs for a 70-year-old woman.
Average Medicare Advantage plans in Broken Arrow, OK
Tulsa County has 33 different Medicare Advantage plans, one of the highest rates of any county in Oklahoma. These Part C plans in Oklahoma come from several local and national providers, each with different perks.
Humana is one of the biggest names and most popular Medicare Advantage providers in Broken Arrow. Its HMO plan has a four-star coverage rating, a metric that grades the effectiveness of a supplemental program on a one-to-five scale. Humana’s plan also has a $0 premium.
GlobalHealth also has a four-star, $0 premium plan. The difference between GlobalHealth’s supplemental Medicare in Broken Arrow, Oklahoma, and Humana’s is that GlobalHealth caps your maximum out-of-pocket (MOOP) expenses at $3,000 compared to $5,900 for Humana.
BCBS of Oklahoma has another well-regarded Medicare Advantage plan. It has a $5,900 MOOP like Humana, but it’s a local PPO plan rather than an HMO.
|PLAN||PREMIUM||MOOP||Plan Type||Star Rating|
|BCBS of Oklahoma||$0||$5,900||LOCAL PPO||N/A|
Cheapest Medicare Supplement plans in Broken Arrow, OK
There are 12 different Oklahoma Medigap plans available across a range of Broken Arrow insurance providers, each offering additional coverage you won’t get with Original Medicare Part A and B. The federal government standardizes each of these plans, so you’ll receive the same benefits regardless of your provider; the only real difference is premium costs.
Despite having one of the highest average premium costs, Plan F is the most popular Medicare Supplement plan in Broken Arrow, OK. It provides the most extensive coverage of any Medigap plan, but the lowest premium available in Broken Arrow is $113.10.
Plan N is another popular option among Broken Arrow residents. Though it doesn’t cover as much as Plan F, its premium costs dip as low as $72.48.
Plan G is a popular middle ground between Plans F and N for Broken Arrow enrollees. It offers more benefits than Plan N but is cheaper than Plan F, with the lowest available premium of $97.99.
|LETTER PLAN||LOWEST PREMIUM||HIGHEST PREMIUM|
Affordable Medicare Part D prescription drug plans
Part D Medicare in Broken Arrow is a stand-alone plan that covers costs for prescription medications in Oklahoma. Though Original Medicare doesn’t require Part A and B enrollees to sign up, many opt for the coverage since most Medicare Advantage plans don’t provide prescription benefits.
Aetna’s Part D plan has the cheapest premium of any option in Broken Arrow, OK, at $6.70 per month.
UnitedHealthcare’s Part D coverage has a more expensive $22.50 monthly premium, but it’s the only provider with a premium that low and a deductible of $310. All other providers with cheaper premiums set deductibles at $480.
BCBS of Oklahoma has an affordable Part D option as well. And though the premium costs more than others at $21.20, they are one of only a few providers to boast a four-star rating.
|Clear Spring Health||$16.40||$480||2|
|BCBS of Oklahoma||$21.20||$480||4|
Medicare Special Needs plans
Special Needs Plans are a subset of Medicare Advantage for enrollees with special health requirements. Not every region or provider offers SNPs and those that do typically have strict eligibility requirements.
UnitedHealthcare has one of the most accessible Special Needs Plans in Broken Arrow, with dual eligibility and a $7,550 MOOP rate.
GlobalHealth provides another popular SNP with a considerably lower MOOP of $3,450. However, it’s only available for enrollees with chronic or disabling health needs.
Those looking for a Local PPO SNP can find one through Humana. It has dual eligibility and a $3,450 MOOP rate.
|GlobalHealth||$0||$3,450||HMO||Chronic or Disabling|
|Humana||$0||$3,450||HMO||Chronic or Disabling|
|GlobalHealth||$0||$3,900||HMO||Chronic or Disabling|
Where do I apply for Medicare in Broken Arrow, OK?
You can apply for Medicare in Broken Arrow, OK, through any Tulsa County Social Security office. Although the preferred method is online via the Social Security website.
What is the premium for Medicare Part A in Broken Arrow, OK?
The average premium for Medicare Part A ranges from $278 to $506. However, you can receive premium-free Part A coverage if you’re eligible for Social Security or already get retirement benefits.
Does Medicare cover prescriptions in Broken Arrow?
Medicare Part B covers a handful of medications, but not many. However, some Medicare Advantage plans and all Part D plans have extensive prescription coverage.
Who qualifies for Medigap in Broken Arrow, OK?
Anyone in Broken Arrow, OK, over 65 and enrolled in Medicare Part A and B is eligible for Medigap coverage. You can enroll in a Medicare Supplement at any time provided you can pass medical underwriting. If you have health concerns you can enroll in a Medigap plan during your Open Enrollment or a Guarantee Issue right.
Which Medigap plan offers the most coverage in Broken Arrow, OK?
Plan F has the most coverage of any Medigap policy in Broken Arrow, OK. However, it’s also the most expensive, and many people opt for Plan G, the state’s second-most extensive plan, to save funds.
How to Sign Up for Supplemental Medicare in Broken Arrow
With Supplemental Medicare in Broken Arrow, Oklahoma, you can ensure your health services are far beyond the standard coverage of Original Medicare.
However, sorting through the different options for Medicare in Broken Arrow is a severe time investment without help. That’s where we come in — our team sorts through all supplemental plans and providers to find you the perfect plans at the most affordable rates.
So don’t wait any longer! Call us today or fill out our online rate form to get connected with the best rates in Broken Arrow, Oklahoma.