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Medigap Plans
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Oklahoma

The Best Medicare Supplement Plans in Oklahoma

On this page we help consumers: Find the best Medicare Supplement Plans offered in Oklahoma. We offer free quotes on all carriers. No sales calls. Privacy guaranteed. Call call 1-855-728-0510 (TTY 711) for plan assistance.

Oklahoma Medigap Plans by Carrier

Insurance Carrier Plan F Plan G Plan N Rating
AARP $127.50 $107.74 $93.43
☆☆☆☆☆
Aetna $152.44 $106.79 $88.55
☆☆☆☆☆
American Republic $163.61 N/A N/A
☆☆☆☆☆
American Retirement Life $161.96 $127.31 $95.69
☆☆☆☆☆
Americo Life $125.99 $100.08 $81.45
☆☆☆☆☆
Bankers Fidelity Assurance $123.28 $92.02 N/A
☆☆☆☆☆
Blue Cross and Blue Shield of Texas $149.80 N/A $100.90
☆☆☆☆☆
Central States $150.08 $108.08 $81.58
☆☆☆☆☆
Cigna $128.81 $103.55 $87.96
☆☆☆☆☆
Colonial Penn $173.40 $139.13 $92.03
☆☆☆☆☆
Combined Insurance $136.57 $94.79 $106.31
☆☆☆☆☆
Everence $216.61 $173.23 $99.06
☆☆☆☆☆
Globe Life $137.00 $121.00 $102.50
☆☆☆☆☆
Guarantee Trust Life $125.94 $97.58 $79.26
☆☆☆☆☆
Humana $136.25 $97.51 $87.00
☆☆☆☆☆
IAC $158.41 $113.01 $92.04
☆☆☆☆☆
Liberty Bankers Life $119.81 $95.13 $81.31
☆☆☆☆☆
Loyal Christian $128.37 $93.07 $84.94
☆☆☆☆☆
ManhattanLife $135.25 $98.58 $82.83
☆☆☆☆☆
Medico $171.21 N/A N/A
☆☆☆☆☆
Members Health $114.75 $106.50 $81.00
☆☆☆☆☆
National General $126.00 $99.58 $84.00
☆☆☆☆☆
National Guardian Life $129.22 $99.08 $84.83
☆☆☆☆☆
New Era Life $113.22 $87.41 N/A
☆☆☆☆☆
Old Surety $124.30 $96.57 N/A
☆☆☆☆☆
Omaha Insurance Company $138.12 $95.78 $73.99
☆☆☆☆☆
Oxford Life $159.48 $118.79 $101.34
☆☆☆☆☆
Pan-American Life $127.00 $101.78 $85.73
☆☆☆☆☆
Physicians Mutual $231.36 $190.52 $160.36
☆☆☆☆☆
Puritan Life $136.15 $108.48 $88.53
☆☆☆☆☆
Renaissance Life $113.27 $86.07 $76.45
☆☆☆☆☆
Reserve National $217.30 $133.70 $121.65
☆☆☆☆☆
Sentinel Security Life $195.86 $96.45 $124.74
☆☆☆☆☆
State Farm $141.86 N/A N/A
☆☆☆☆☆
Thrivent $123.92 $97.86 $82.66
☆☆☆☆☆
United American $164.00 $144.00 $130.00
☆☆☆☆☆
United Commercial Travelers $292.61 $252.71 $201.02
☆☆☆☆☆
Universal Fidelity Life $144.69 $122.26 $101.07
☆☆☆☆☆
USAA Life $159.80 N/A $110.50
☆☆☆☆☆
If you qualify for Medicare but don't know where to start, we have licensed Medicare advisors[1] at 1-855-728-0510 (TTY 711) who can answer your questions and help enroll you in Medicare Advantage, Medicare Supplement Insurance, and Part D prescription drug plans. There's no obligation.

Medicare Supplement Plans in Oklahoma : What's the Difference?

Most Medicare experts agree that Original MedicareOriginal Medicare is private fee-for-service health insurance for people on Medicare. It has two parts. Part A is hospital coverage. Part B is medical coverage., combined with Medicare supplemental insurance, provides the best Medicare insurance coverage Oklahoma seniors can get. But, which supplement is the right one for you?

This is a complicated question. After all, we're all different and have different needs. For most of us, it boils down to what we can afford and our health. Although there are 10 standardized plans, most seniors choose one of the three best Medigap plans available in Oklahoma : F, G, and N. Keep reading and we'll explain why.

Related: Are Medicare Supplement Plans Worth It?

Top 3 Medicare Supplements in Oklahoma

Looking for the three best Medigap plans available in Oklahoma? They are Medicare Supplement Plan FMedicare Supplement Plan F is the most comprehensive Medicare supplement plan available. This plan covers all Original Medicare deductibles, coinsurance, and copayments, leaving you with no out-of-pocket costs on all Medicare-approved services., Medicare Supplement Plan GIf you're turning age 65 this year, Medicare Supplement Plan G is the most comprehensive Medicare supplement you can buy. It's also the most popular. You might be thinking that Medicare Supplement Plan F is..., and Medicare Supplement Plan NMedicare Supplemental Plan N is one of the ten standardized Medigap plans. Although it is one of the newest plans available, Medicare Plan N is quickly becoming a favorite with Baby Boomers aging into their.... Here are the 10 best insurance companies that offer these plans:

  1. 10 Best Medicare Supplement Plan F in Oklahoma
  2. 10 Best Medicare Supplement Plan G in Oklahoma
  3. 10 Best Medicare Supplement Plan N in Oklahoma

Looking for a different plan? Compare the best Medicare supplement plans in Oklahoma. You can also write a Medicare supplement review and let others know about a good or bad experience with a particular carrier.

Oklahoma Medicare Supplement Plan F Comparison Chart

Medicare Supplement Plan F is the most popular Medigap plan available in Oklahoma. Here are the 10 best Plan F policies available in Oklahoma based on our reviews (click for details):

Top 10 Medigap Plan F in Oklahoma

CarrierPremium[3]FeeReview[4]
Thrivent$123.92$25.00☆☆☆☆☆
AARP$127.50None☆☆☆☆☆
Globe Life$137.00None☆☆☆☆☆
United American$164.00None☆☆☆☆☆
Reserve National$217.30None☆☆☆☆☆
New Era Life$113.22$20.00☆☆☆☆☆
Renaissance Life$113.27$25.00☆☆☆☆☆
Members Health$114.75None☆☆☆☆☆
Liberty Bankers Life$119.81$25.00☆☆☆☆☆
Old Surety$124.30$20.00☆☆☆☆☆

Oklahoma Medicare Supplement Plan G Comparison Chart

Medicare Supplement Plan G is rapidly gaining popularity among Oklahoma seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Oklahoma based on our reviews (click for details):

Top 10 Medigap Plan G in Oklahoma

CarrierPremium[3]FeeReview[4]
Thrivent$97.86$25.00☆☆☆☆☆
AARP$107.74None☆☆☆☆☆
Globe Life$121.00None☆☆☆☆☆
Reserve National$133.70None☆☆☆☆☆
United American$144.00None☆☆☆☆☆
Renaissance Life$86.07$25.00☆☆☆☆☆
New Era Life$87.41$20.00☆☆☆☆☆
Combined Insurance$94.79$25.00☆☆☆☆☆
Liberty Bankers Life$95.13$25.00☆☆☆☆☆
Omaha Insurance Company$95.78None☆☆☆☆☆
NOTE: Medigap Plan G is identical to Plan F, with one exceptionIn a Medicare Part D plan, an exception is a type of prescription drug coverage determination. You must request an exception, and your doctor must send a supporting statement explaining the medical reason for the.... A Plan G policy does not pay your Medicare Part BMedicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services. annual deductibleA deductible is an amount a beneficiary must pay for their health care expenses before the health insurance policy begins to pay its share.. In many cases the annual cost of Plan G makes it a better deal.

Oklahoma Medicare Supplement Plan N Comparison Chart

Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsuranceCoinsurance is a percentage of the total you are required to pay for a medical service.  costs differently. Due to its lower cost and good coverage, it's catching the attention of many Oklahoma seniors. Here are the 10 best Medigap Plan N policies available in Oklahoma based on our reviews (click for details):

Top 10 Medigap Plan N in Oklahoma

CarrierPremium[3]FeeReview[4]
Thrivent$82.66$25.00☆☆☆☆☆
AARP$93.43None☆☆☆☆☆
Globe Life$102.50None☆☆☆☆☆
Reserve National$121.65None☆☆☆☆☆
United American$130.00None☆☆☆☆☆
Omaha Insurance Company$73.99None☆☆☆☆☆
Renaissance Life$76.45$25.00☆☆☆☆☆
Guarantee Trust Life$79.26$25.00☆☆☆☆☆
Members Health$81.00None☆☆☆☆☆
Liberty Bankers Life$81.31$25.00☆☆☆☆☆
NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copaymentA copayment, also known as a copay, is a set dollar amount you are required to pay for a medical service. for office visits and up to $50 for emergency room visits.

Best Oklahoma Medigap Plan Reviews

The Centers for Medicare and MedicaidMedicaid is a public health insurance program that provides health care coverage to low-income families and individuals in the United States. updates their Medigap cost information annually. We evaluate all Medicare Supplement companies servicing policies in Oklahoma. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating plans serviced, plan premiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums. , and fees. We do not evaluate rate increase history for all Medicare insurance plans, so be sure to ask your agent to provide this information.

We review Medicare Supplement Plans in Oklahoma head-to-head, statewide. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance. Call 1-855-728-0510 (TTY 711) to speak with an agent and get a quote.

How Much do Oklahoma Medigap Plans Cost?

To get an accurate rate on Medicare Supplement plans, Oklahoma agents will ask for your address, age, sex, and use of tobacco products. The rates we list are samples based on a 65-year-old, non-smoking woman, and include applicable household discounts. Use our rates for comparison purposes only. Call 1-855-728-0510 (TTY 711) to get quote.

Medicare Supplement Plans in Oklahoma are Standardized

All Medicare Supplement insuranceMedicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage. carriers in Oklahoma are required to follow both federal and state laws designed to protect you. All Medigap plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized Medicare Plans identified by letters A through N. So, for example, a Plan F from Aetna has exactly the same health coverage as a Plan F from Mutual of Omaha. This is what makes Medigap plans easier to compare vs. an HMO or PPO style plan through Medicare Advantage.

NOTE: Medigap, Medicare Supplements, and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps (i.e., copay, coinsurance, and other major medical expenses) in Original Medicare coverage.

Each of the lettered Medicare supplement insurance plans offers the core coverage provided by Plan A. Plans B through N have a varying range of additional coverage. This makes it easier to choose just the right amount of additional insurance you need to pay the gaps in your Medicare Parts A and B benefits.

Insurance companies are free to choose the policies they offer, although Oklahoma state laws might affect which ones they can offer. Carriers offering Medicare Plans:

  • Don't have to offer every Medigap plan
  • Must offer Medigap Plan AMedicare Supplement Plan A is often confused with Medicare Part A, which is the Medicare coverage that pays for your inpatient hospital care. Medicare Supplement Plan A, which is also known as Medigap Plan A,... if they offer any Medigap policy
  • Must also offer Plan C or Plan F if they offer any plan

For more information, visit the Oklahoma Department of Insurance website at http://www.ok.gov/oid.

Oklahoma Med Supp Plan Comparison Chart

The following chart offers a quick look at the benefits provided by each standardized plan.

Medigap Benefits A B C D F* G K L M N
Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Medicare 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 HospiceHospice is a special way of caring for people who are terminally ill. Hospice care involves a team-oriented approach that addresses the medical, physical, social, emotional, and spiritual needs of the patient. 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
Medicare Part AMedicare Part A is hospital coverage for Medicare beneficiaries. It covers inpatient care in hospitals and skilled nursing facilities. It also covers limited home healthcare services and hospice care. Deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Medicare Part B Deductible No No Yes No Yes No No No No No
Medicare Part B Excess ChargesA Medicare Part B excess charge is the difference between a health care provider’s actual charge and Medicare’s approved amount for payment. No No No No Yes Yes No No No No
Foreign Travel Emergency (Up to Plan Limits) No No Yes Yes Yes Yes No No Yes Yes
Out-of-Pocket Limit*** None None None None None None $5,240 $2,620 None None

* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.

** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.

*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.

What is the Difference Between a Oklahoma Medicare Supplement and a Medicare Advantage Plans?

It's important to compare Medigap insurance with Medicare Advantage plansMedicare Advantage (MA), also known as Medicare Part C, are health plans from private insurance companies that are available to people eligible for Original Medicare (Medicare Part A and Medicare Part B).. At first glance, it looks like Medicare Advantage plans are less expensive and offer more benefits. But, you need to dig deeper to get to the truth. If you are simply comparing the monthly premiums, you may be in for a very big surprise with a Medicare Advantage plan in most areas of Oklahoma.

To really understand the difference between Medicare supplements and Medicare Advantage plans you need to look at total cost. It's true, Medicare Advantage plans have many advantages and disadvantages, but your out-of-pocket costsOut-of-Pocket Costs for Medicare are the remaining costs that are not covered by the beneficiary's health insurance plan. These costs can come from the beneficiary's monthly premiums, deductibles, coinsurance, and copayments. are not one of its advantages.

How To Get Prescription Drug Coverage with a Medigap Policy in Oklahoma

To get your prescriptions covered with your Medigap policy, you need to buy a Medicare prescription drug plan in Oklahoma. Basic plans start at less than $20 per month in most places.

If you are getting your Medicare benefits for the first time, you can enroll in a prescription drug plan as soon as you have both Part A and Part B. However, after your initial enrollment, you will need to wait until the Annual Election Period (AEP), also called the open enrollment periodDuring the Medicare Open Enrollment Period, Medicare Advantage and Part D plan members can change, switch, or drop a plan they chose during the Annual Election Period. OEP starts on January 1 and ends on March 31., to switch to a new plan. AEP is every Fall, starting 15 October and ending on 7 December.

WARNING: If you do not enroll in a Medicare Part DMedicare Part D plans are an option Medicare beneficiaries can use to get prescription drug coverage. Part D plans provide cost-sharing on covered medications in four different phases: deductible, initial coverage, coverage gap, and catastrophic. Each... plan when you are first eligible, Medicare will penalize you with additional fees if you want to join a plan later on. So, even if you do not take regular medications, it pays to join a basic plan.

Still Unsure About How Supplemental Medicare Insurance Works in Oklahoma?

If you're looking for more ways to lower your health care costs by reducing your out-of-pocket costs, these articles may help:

  • What are the Different Medicare Supplement Plans?
  • What is the Best Medicare Supplement Plan for 2021
  • Can you get a Medicare Supplement if you are on disability?
  • When can I change my Medicare supplemental insurance plan?
  • Are there any free Medicare Supplement plans?
  • How to Pick the Best Medicare Supplement Plan

Top Questions About Medicare Supplement Plans in Oklahoma

We get a lot of great questions regarding Medigap plans in Oklahoma. Here are the most common questions we answer.

A Oklahoma Medigap Plan Does Not Cover Dental

We all need routine dental care and dental restoration work as we age, but it's not covered by Original Medicare or a Medigap plan. For coverage, you'll need a stand-alone Oklahoma dental insurance policy.

How expensive are Medicare Supplements in Oklahoma?

Medicare Supplement premiums vary per person. Premiums are based on things like age, gender, zip code, and more. We offer a free quote service to help you find the best Medicare Supplement in Oklahoma for your needs.

Who's got the best Medicare Supplement in Oklahoma?

Here are your top choices in Oklahoma:

  1. Thrivent
  2. AARP
  3. Globe Life
  4. Reserve National
  5. United American
You will find the complete list here.

When can I enroll in a Medicare Supplement in Oklahoma?

Unlike Medicare Advantage, there isn't an annual open enrollmentIn health insurance, open enrollment is a period during which a person may enroll in or change their selection of health plan benefits. Health plan enrollment is ordinarily subject to restrictions. period for Medicare Supplement plans. But, in many areas, you only have one chance to apply for a Oklahoma Medigap plan without having to answer any health questions. You can learn more here.

Need Local Help?

The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Oklahoma SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:

  • 1-800-763-2828 (in state only); (405) 521-6628 (out of state)
  • http://www.map.oid.ok.gov/

Additional Foot Notes

[3] The sample premium is for a 65-year-old, non-smoking, woman living in Oklahoma. The rate was accurate on the date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.

[4] Review rating stars are derived from MedicareWireMedicareWire is a Medicare insurance consulting agency. We founded MedicareWire after seeing and hearing how confusing and frustrating it is to find, understand, and choose a plan. Our services are free to the consumer. reviews on our Medigap Plan pages.

Citations & References

medicare.gov
  • Medicare.gov: the official U.S. government site for Medicare | Medicare https://www.medicare.gov/
  • Medicare costs at a glance | Medicare https://www.medicare.gov/your-medicare-costs/medicare-costs-at-a-glance
  • Find a Medigap policy that works for you https://www.medicare.gov/find-a-plan/questions/medigap-home.aspx
  • Drug coverage (Part D) | Medicare http://www.medicare.gov/part-d/index.html
ssa.gov
  • The United States Social Security Administration https://www.ssa.gov/
  • Medicare Benefits | SSA https://www.ssa.gov/benefits/medicare/

The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on April 6, 2022.

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Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

  • This field is for validation purposes and should be left unchanged.

Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

  • This field is for validation purposes and should be left unchanged.