Oklahoma Medicare Supplement plans, or Medigap plans, are insurance policies that work with Medicare and help beneficiaries cover health care costs not covered by Original Medicare.

The government standardizes these plans, so each state and carrier’s Medigap plans feature the same benefits. However, monthly premiums vary depending on location and other factors.

Oklahoma Medicare Supplement Plan Enrollment

Oklahoma has 203,944 Medigap enrollees. Patients with Fee-for-Service Medicare Part A and Medigap make up 32.3% of the total number of state enrollees.

This percentage reflects the majority of the United States’ Medigap coverage choices, as over 26 other states have around 35% Medigap participation in addition to Original Medicare.

PLAN A B C D F G K L M N
3,353 885 2,742 1,827 127,427 46,041 1,410 1,544 6 13,134

What are the Top Medigap Plans in Oklahoma?

Plan F is the top Medigap plan Oklahomans choose, with 127,427 enrollees. This plan is popular for its full coverage for inpatient and outpatient healthcare services.

Medigap Plan G is the next most popular option for Oklahoma patients. The plan’s 46,041 enrollees indicate their satisfaction with this policy.

Although Medigap Plan N has only 13,134 enrollees, this is the third most popular Medigap plan in Oklahoma.

Medigap Plan Coverage Chart for Oklahoma

The benefits in the following chart are standard across all states. Whether in Oklahoma or Ohio, Medigap’s plans cover the same services and treatments.

Medicare Supplement Plans Costs in Oklahoma

Despite each patient receiving the same plan benefits in every state, premiums operate differently. Oklahoma Medicare Supplement plans’ premiums vary depending on several factors. These factors include:

  • Your location
  • Your age
  • If you use tobacco
  • Rate locks
  • The payment method
  • Your enrollment date
  • Gender
  • If your rate has increased before

Inexpensive Premium Per Medigap Letter Plan in Oklahoma

Medigap offers plans with different premiums for different types of enrollees. The following quotes are average for 65-year-old females in Oklahoma.

PLAN A B C D F G K L M N
Premium $86 $101 $111 $104 $114 $99 $50 $63 $70 $68

Most Expensive Premium Per Medigap Letter Plan in Oklahoma

While some Medigap plans are relatively inexpensive, others have significantly higher premiums. The next charted premium quotes apply to the average 70-year-old male living in Oklahoma.

PLAN A B C D F G K L M N
Premium $1,205 $388 $467 $428 $479 $414 $143 $229 $266 $408

Top Medicare Supplement/Medigap Plan Carriers in Oklahoma

The top carriers of Medicare Supplement and Medigap policies include SBLI, New Era, Mutual of Omaha, and United States Fire. Plan N features the lowest premiums across all carriers, while SBLI offers some of the lowest pricing for Plan F, Plan G, and Plan N.

These numbers are quotes for an average 65-year-old female beneficiary in Oklahoma.

CARRIERS PLAN F G N
Universal Fidelity $132 $99 $68
SBLI $114 $102 $71
New Era $128 $99 $74
Mutual of Omaha $132 $119 $78
United States Fire $123 $103 $78

Oklahoma Cities with Medicare Supplement Coverage’s Estimated Premiums

Oklahoma residents considering Medicare Supplement plans can access the following charts on the below cities:

FAQs

What is the best Medicare Supplement plan in Oklahoma?

Determining which Medicare Supplement plan is best depends on the unique insurance and medical needs of the beneficiary. However, the most popular of all Oklahoma Medicare Supplement plans is Plan F from Thrivent.

This plan offers coverage for all inpatient and outpatient medical care and extra expenses and has no out-of-pocket limit, so you can enjoy significant savings on medical costs.

Oklahoma patients pay the lowest rates for an insurance policy through Thrivent. The average premium is $123.92 for this four-star policy.

Do Medicare supplements have networks in Oklahoma?

There are some Medicare Supplement plans that don’t have networks, while others do. Medigap policies don’t have networks. However, they can still pay for expenses that Original Medicare doesn’t cover.

Some Medicare Advantage plans have networks in Oklahoma, including Medicare Special Needs Plans and plans with HMO carriers. In contrast, others offer more flexibility and don’t require you to stay in the Medicare network.

Can I switch from a Medicare Supplement to an Advantage plan in Oklahoma?

Yes, you can change your policy from a Medigap plan to a Medicare Advantage plan in Oklahoma. However, the only time you can change is during the Open Enrollment Period, which starts October 15th and runs until December 7th.

By switching from Medigap to Medicare Advantage, you may be able to save more money with lower monthly premiums. You will need to alert the Medigap provider of your cancellation to switch successfully.

It is crucial to remember that you can only switch from a Medicare Supplement Plan to a Medicare Advantage plan during the Open Enrollment Period/

Can you be denied a Medicare Supplement plan in Oklahoma?

In Oklahoma, some conditions may result in a Medigap coverage denial. After turning 65, you have six months to purchase a Medigap plan without risking denial as insurers must sell you a plan regardless of current or previous health conditions.

However, after this six-month window, a Medigap provider may deny your coverage for various reasons, including health complications.

For Medicare Advantage Plans (Medicare Part C), you have three months before and after the day you turn 65 to enroll. Otherwise, you will have to wait for the Medicare Open Enrollment Period.

How much is Medicare Supplement monthly in Oklahoma?

How much you pay for Oklahoma Medicare supplement plans depends on several factors, such as your location in the state, age, gender, and more.

The average cost in Oklahoma is $150, but you may pay more or less depending on the plan you pick. Typically, patients pay higher monthly premiums for more coverage and better benefits.

In addition, some insurance companies only look at specific factors, or they lock in a certain rate. It is crucial to do your research on certain providers and plans to determine which Medicare Supplement plan fits your budget and insurance needs best.

How to Sign Up for Medicare Supplement/Medigap Plan in Oklahoma

If you’re looking for a quality, affordable supplemental Medicare plan in Oklahoma, we can help. We offer free comparison services to ensure you find the best policy for your needs.

Furthermore, our licensed insurance agents can go over anything Medicare-related on your mind. This is so you have the best information possible and feel confident making the right decision.

Speak with our experts today or complete our online rate form and get rates now!

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.