The Best Medicare Supplement Plans for Oklahoma in 2024
Every senior enrolled in Original Medicare Parts A & B need a Medigap plan.
These policies help you cope with the unforeseen costs of your healthcare expenses.
Ten plans are available: A, B, C, D, F, G, K, L, M, &N.
And Plan F is the most popular. However, it’s no longer available to people qualifying for Medicare after January 1, 2020.
Plans G & N offer you the best options for your Medigap policy after plan F, and this post looks at the average cost of these policies for your supplemental healthcare requirements.
The average price of a Medigap plan across all policies and providers in Oklahoma is $137 for a 65-year-old female nonsmoker.
This post gives you information on the best Medicare supplement plans for Oklahoma.
We’ll look at the average and lowest premiums for Plans G & N in your state to give you the information you need to make an informed decision on the right provider and plan for your healthcare requirements.
Use Us to Find the Best Medicare Supplement Plans for Oklahoma
If you need more information on the best insurers for Medigap policies in The Sooner State, call us at 1-888-891-0229.
Our fully licensed agents will guide you through your options and help you make your decision on the coverage and provider that’s right for your unique healthcare needs.
Or you can complete the contact form on our site, and we’ll get a Medigap expert to call you back.
We also offer a free tool for an automated quote on the most affordable options for Medigap policies in Oklahoma.
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The Best Healthcare Insurers for Medicare Supplement Plans for Oklahoma
Medigap plans are available from top-rated healthcare companies across Oklahoma. We recommend the following companies for your Medigap policy.
- Aetna
- Anthem
- Humana
- Manhattan Life
- Blue Cross
- HCSC
- Catholic Life Insurance
- Central States Health and Life Co. of Omaha
Aetna has very competitive rates when it comes to being the most affordable insurer for Medigap plans F, G, & N.
- Best Plan G – Aetna Medicare
- Best Plan F – Aetna Medicare
- Best Plan N – Aetna Medicare
The Best Provider for Medicare Supplement Plan G for Oklahoma – Physicians Mutual
Plan G is available for 43 insurers in Oklahoma.
The average cost of Plan G policies is $132.20 per month across all providers.
Physicians Mutual has the best pricing on Medigap Plan G in Oklahoma at $an average of $97 per month.
Aetna is also a good deal, offering you Plan G for $123.88, and Cigna has the most expensive Plan G policy at $163.50.
Taking a policy with Physicians Mutual saves you $66.10 monthly in premiums.
However, Physicians Mutual doesn’t have the same level of perks as Aetna and Cigna.
Here are the best options for Plan G in Oklahoma.
- Physicians Mutual: $97
- Aetna: $124
- UnitedHealthcare: $133
- Cigna: $164
What Does Plan G Cover?
The comprehensive coverage from Plan G only leaves out the Part B deductible ($1,600 in 2023), which Plan F covers.
As a result, it has the most comprehensive coverage for seniors enrolling in Medicare after January 1, 2020.
Some Companies also offer a high-deductible Plan G. This policy increases the Part A Deductible from $1,600 to $2,700.
However, you pay a much lower monthly premium. HD Plan G is only available for select insurers; speak to us if you want this policy.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B excess charges.
The Best Provider for Medicare Supplement Plan N for Oklahoma – Aetna
40 insurers offer Plan N in Oklahoma, with the market average for this policy being $126.80 monthly.
The best option for Plan N in Oklahoma for 2024 is Aetna, with a monthly average premium of $89.78.
Cigna is the most expensive insurer for a Plan N policy, charging 138.90 per month in premiums. You get a savings of $49.10 per month with Aetna.
- Aetna: $90
- UnitedHealthcare: $123
- Cigna: $139
What Does Plan N Cover?
Plan N offers healthy seniors and retirees more affordable premiums than Plans F & G while maintaining all the benefits for medical emergencies.
You get a low monthly premium, but you must make copayments if you visit the doctor ($20) and the emergency room ($50).
However, the $50 copayment doesn’t apply if you’re admitted into the hospital for inpatient care.
- Part A coinsurance and hospital costs up to an additional year after Medicare benefits expire.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- 80% of foreign travel exchange (up to plan limits).
Plan N won’t cover your Part B excess charges. You incur this fee when visiting practitioners who charge above the Medicare-approved rate (Medicare Assignment).
However, you can circumvent these charges using doctors charging Medicare Assignment rates.
What Do Plans G & N Not Cover?
All Medigap policies don’t provide coverage for preventative healthcare services such as those for vision, dental, and hearing.
They also don’t cover prescriptions or private duty nursing and long-term care at nursing facilities.
However, some providers offer members additional perks covering these expenses when they take a policy.
Others might charge a nominal premium of between $18 to $40 for this additional coverage.
Speak to us, and we’ll find you the best provider with the best perks to meet your healthcare requirements.
What are the Best Alternate Medicare Supplement Plans for Oklahoma?
Medigap Plans A, B, C, D, K, L, and M are less popular than Plans F, G, & N due to their less-comprehensive coverage for out-of-pocket medical expenses.
However, they make attractive options for low-income seniors on a budget.
We looked at the best rates from the leading insurers in Oklahoma and found Aetna and UnitedHealthcare to be the best options.
These are the average rates for these plans, based on premiums for a 65-year-old female nonsmoker.
- Plan A – Aetna: $130.69
- Plan B – Aetna: $123.79
- Plan F – Aetna: $186.93
- Plan K – UnitedHealthcare: $59.01
- Plan L – UnitedHealthcare: $85.70
- Plan N – Aetna: $89.78
Frequently Asked Questions
What are Medicare Supplement Plans in Oklahoma?
Medicare Supplement Plans, or Medigap, are private health insurance policies that complement Original Medicare by covering out-of-pocket expenses.
How do Medicare Supplement Plans work in Oklahoma?
They work alongside Original Medicare, reducing or eliminating out-of-pocket costs after Medicare pays its share.
How many types of Medicare Supplement Plans are available in Oklahoma?
There are ten standardized types of plans in Oklahoma, labeled with letters A, B, C, D, F, G, K, L, M, and N.
Can I switch Medicare Supplement Plans in Oklahoma?
Yes, but you may face medical underwriting and should compare plans before switching.
How much do Medicare Supplement Plans cost in Oklahoma?
A5: Costs vary based on factors like age, location, and the chosen plan type.
Are pre-existing conditions covered by Medicare Supplement Plans in Oklahoma?
Yes, they are covered during open enrollment or with guaranteed issue rights.
Can I get Medicare Supplement Plans if I’m under 65 in Oklahoma?
Yes, if you have a qualifying disability or end-stage renal disease.
Do Medicare Supplement Plans in Oklahoma cover prescription drugs?
No, you need a separate Medicare Part D plan for prescription drug coverage.
Are Medicare Supplement Plans in Oklahoma the same as Medicare Advantage plans?
No, Medigap plans work with Original Medicare, while Medicare Advantage plans are an alternative way to receive Medicare benefits.
How do I choose the right Medicare Supplement Plan in Oklahoma?
Consider your healthcare needs, budget, and preferences. Compare coverage, costs, and insurer reputation, and seek guidance if needed. Call us today for help.
Medicare Supplement Plans for Oklahoma - How to Apply
The easiest way to get started is to call us today at 1-888-891-0229.
We’ll answer all of your questions and help you find the right Medicare plan. Or you can use our FREE quote engine to begin shopping today!
Updated December 4th, 2022