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Comparing Oklahoma Medicare Supplement Plans in 2024

When comparing Medicare supplement plans (Medigap) and Medicare Advantage plans you have a lot of choices in Oklahoma for health insurance. See the chart below for the 10 plans offered. Besides the 10 different healthcare plans offered, you're able to choose from several top insurance companies serving Oklahoma. Medicare can get confusing fast. That's where a good Medicare advisor or specialist can help.

Let's compare Medicare supplement plans...

Medicare Plans for Medical & Hospitalization in Oklahoma

Medicare Part A (hospital coverage) and Medicare Part B (medical coverage) are what most people think of when you say, Medicare health insurance. Part A and Part B are sometimes called the original Medicare, which we'll discuss coverage in more detail in the next section.

In order to help people with the gaps in health coverage that Medicare doesn't provide, Medicare supplement plans were created. Also known as Medigap insurance.

These Medicare supplement plans are provided by American insurance companies. Not the federal government.

View the chart with a breakdown of these Medicare supplement plans ›

There is also a Medicare Advantage plan C  in Oklahoma that combines hospital, doctor, and prescription drug coverage. Private insurance companies approved by Medicare offer Oklahoma Medicare Advantage plans.

For more info or a quote on Medicare Advantage plans available, call us at (918) 695-3411.

How does the original Medicare coverage compare with Medicare Advantage plans in Oklahoma?

The Original Medicare Plan

Original Medicare is managed by the federal government. Medicare is an American invention, created in 1965. You're able to go to most doctors enrolled in Medicare as long as they are accepting new patients.

This health insurance plan includes, part A, which is Oklahoma hospital insurance and the coverage generally includes care at skilled nursing facilities and sometimes nursing homes

The original also includes Part B, which is Oklahoma medical insurance and the coverage generally includes preventive care, doctor visits, lab tests, durable medical equipment, and more.

Part A and Part B come with deductible amounts, coinsurance, and/or copayments for most services.

Medicare beneficiaries: if you’re automatically enrolled in Medicare, as many people are, you’re usually enrolled in Part A and Part B. If you’re already getting Social Security benefits when you turn 65 or qualify by disability, you’re usually enrolled automatically.

Hearing, vision, and dental aren't available under Original Medicare. If you need a prescription, it's probably not available either. But there are many Oklahoma Medicare Advantage plans available that offer these benefits. We'll compare medicare advantage plans in a little bit...

Most prescriptions aren't covered by Original Medicare. But there are options...

Medicare Prescriptions: Help for Oklahomans

Medicare Part D is a voluntary outpatient prescription drug benefit for people with Medicare in Oklahoma, provided through private plans approved by the federal government. Medicare beneficiaries can choose to enroll in either a stand-alone prescription drug plan (PDP) to supplement traditional Medicare coverage or an Oklahoma Medicare Advantage prescription drug plan (MA-PD), mainly HMOs and PPOs, that cover all Medicare benefits including drugs. In 2020, 46 million of the more than 60 million people covered by Medicare are enrolled in Part D plans.

Interested in a prescription plan? Call us at (918) 695-3411 and talk to a Medicare advisor.

What Are Your Medicare Prescription Drug Plan Options?

One option is a stand-alone Medicare Part D plan. Also known as stand alone Prescription Drug Plans (PDP). In Oklahoma you're eligible to enroll in stand alone prescription drug plans if you are entitled to Medicare benefits under Medicare Part A and/or Medicare Part B.

Read more about prescription plans...

Medicare beneficiaries in Oklahoma have a choice of 30 available stand-alone prescription drug plans in 2021. We can help you get the right stand alone prescription drug plans for you.

Have a question about stand alone prescription drug plans or Medigap plans? Call us at (918) 695-3411 to talk to a Medicare Advisor.

2024 Medicare Plans: Oklahoma

Chart of Basic Benefits offered

Compare Medicare Plans A, B, C, D, F, G, K, L, M, & N

Yes = the plan covers 100% of this benefit
No = the policy doesn't cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable

Note: info/Data from

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Blood (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A hospice care coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled nursing facility care coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charge No No No No Yes Yes No No No No
Foreign travel exchange (up to plan limits) No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit** N/A N/A N/A N/A N/A N/A $6,220 in 2021 $3,110 in 2021 N/A N/A

Medicare supplement plans - What's covered

Medicare supplement plans (or Medigap plans) coverage includes copayments, coinsurance, and deductibles (for specifics, see the chart above).

Compare Medicare Supplement Plans (Medigap) Features:

  • Higher insurance premiums than Medicare Advantage  - But no co-pays
  • Freedom to choose doctors
  • With a Medigap plan - No referrals are necessary
  • Some routine services not in coverage (vision, hearing)
  • Coverage anywhere in the US

The 6-month open enrollment period for Medigap automatically starts the month you're 65 and enrolled in Medicare Part B (Medical Insurance), and it can't be changed or repeated. After this enrollment period, you may not be able to buy a Medigap policy. If you're able to buy one, it may cost more due to past or present health problems.

For more info about the Medicare supplement plans available, call (918) 695-3411.

Now let's look at how medicare supplement plans compare to medicare advantage plans...

Compare Available Medicare Advantage Plans - Oklahoma

Medicare Part C Plans and Medicare Advantage are the same things...

Oklahoma Medicare Advantage plans are available through Medicare-approved private insurance companies, the costs and coverage vary by plan, and not every location has the same medicare advantage plans available.

The facts about Medicare Advantage plans...

You have to be enrolled in Medicare part A and part B to be eligible for a Medicare Advantage plan in Oklahoma. And you have to be local to the service area of the plan you choose.

For more info on Medicare Advantage plans available, call us at (918) 695-3411.

Key features of Medicare Advantage plans:

  • Generally lower premiums than Medigap but with co-pays
  • It may be restricted to network
  • May need referrals for healthcare specialists
  • May include extra benefits (vision, hearing, fitness)
  • Emergency services only outside the service area available

Next, we'll compare the Medicare Advantage plans available with HMO and with PPO.

HMO vs PPO Health Insurance Plans

Medicare HMO (Health Maintenance Organization) plans and Medicare PPO (Preferred Provider Organization) plans are two types of Medicare Advantage plans.

Compare Medicare Advantage plans of the two...

Medicare HMO plan members usually have to choose a primary care provider (PCP) from the plan network.

Every Medicare PPO plan has a provider network. However, these plans also offer coverage for out-of-network care. In addition, PPO plan members may see specialists without a referral.

For more info on Medicare Advantage plans available, call us at (918) 695-3411.

A Medicare PPO Plan is a type of Medicare Advantage Plan (Part C) offered by a private insurance company. PPO Plans have network doctors, other health care providers, and hospitals. You pay less if you use doctors, hospitals, and other health care providers that belong to the plan's network. You pay more if you use doctors, hospitals, and providers outside of the network.

For more info on Medicare Advantage plans available, call us at (918) 695-3411.

Medicare Resources Available - Tulsa & Surrounding Areas

Talk to a Medicare Advisor in Tulsa
Affordable Life & Health
3105 E Skelly Drive
Suite 303
Tulsa, OK 74105
(918) 695-3411

Oklahoma Insurance Department
Tulsa Office
7645 E. 63rd St., Suite 102
Tulsa, OK 74133
(800) 522-0071 (in state only)
(405) 521-2828

Oklahoma Medicare Assistance Program
(405) 521-6628
Toll Free: (800) 763-2828 (in state only)

Read frequently asked questions ›

Best Medicare Advantage Plans Available from Top Insurance Providers