Medicare in Oklahoma
This article was updated on: 09/16/2018
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About Medicare in Oklahoma
Eligible Medicare beneficiaries in Oklahoma, as in every state, can receive their coverage through Original Medicare, Part A and Part B, and add optional additional coverage through a stand-alone Medicare Part D prescription drug plan and/or a Medicare Supplement insurance plan.
If you prefer, you can receive your Original Medicare benefits through a Medicare Advantage plan, which includes all Part A and Part B benefits (excluding hospice care). Part C plans may include other benefits as well, such as dental, hearing, and prescription drug coverage.
Availability and costs of Medicare plan options may vary, depending on where in Oklahoma you live. If you join a Medicare Advantage plan, you will continue to pay your Part B premium.
Types of Medicare coverage in Oklahoma
Original Medicare refers to Medicare Part A (hospital insurance) and Part B (medical insurance). Original Medicare is available through the federal government and available in any state to those who are eligible for Medicare.
Medicare Advantage, or Medicare Part C, offers a different way of receiving your Original Medicare coverage through a private Medicare-approved insurance company. Not every Part C plan may be available in each county.
Medicare Part D Prescription Drug Plans refer to prescription drug coverage that is offered by Medicare-approved insurance providers. The details of available prescription drug plans can vary by location and provider.
Medicare Supplement insurance plans, also called Medigap policies, cover some of the costs associated with Part A and Part B coverage, such as deductibles, copayments, and coinsurance. Each Medigap plan is named with a letter, such as Plan A. Each plan of the same letter includes the same coverage; that is, Plan A in one town is the same as Plan A in a different town, even if it’s offered by a different insurance company. Plan premiums may vary.
Local resources for Medicare in Oklahoma
- Medicare Savings Programs in Oklahoma: You may qualify for one of Oklahoma’s saving programs if your income is under the government-set limit. These programs help pay for premiums, deductibles, and other out-of-pocket expenses.
- Oklahoma State Health Insurance Counseling and Assistance Program (SHIP): Oklahoma’s Senior Health Insurance Counseling Program (SHIP) provides accurate and objective assistance, counseling, and advocacy for Medicare beneficiaries, their families and people who will soon be eligible.
How to apply for Medicare in Oklahoma
Medicare enrollment works the same in every state. To qualify for Medicare, you must be either a United States citizen or a legal permanent resident of at least five continuous years. Some people will not have to take any action to apply for Medicare. They will be enrolled automatically if they receive retirement benefits through the Social Security Administration or the Railroad Retirement Board (RRB). If you’re under the age of 65 with certain disabilities, you’ll be enrolled once you have received Social Security or certain RRB disability benefits for more than 24 straight months. If you have Lou Gehrig’s disease (ALS), you’ll be enrolled in Medicare the month you start getting Social Security or RRB benefits. On the other hand, if you have End-Stage Renal Disease (ESRD), you may be eligible for Medicare, but you need to enroll manually.
Those who need to enroll manually may visit their local Social Security office to do so. Alternatively, an application may be submitted online via the Social Security website or over the phone.
- Call Social Security at 1-800-772-1213 (TTY users should call 1-800-325-0778), Monday through Friday, 7AM to 7PM.
- If you worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772 (TTY users call 312-751-4701), Monday through Friday, 9AM to 3:30PM.
During the Medicare Annual Election Period, you can change your Medicare coverage or enroll in a new plan, and I can help you with this. Learn more about me by clicking the View profile link by my photo. Or use the links below to schedule a phone appointment or have me email you Medicare information tailored to your needs. To take a closer look at plans in your area, scroll back up and use the “Compare Plans” button on this page.