Medicare Plans in Oklahoma
In Oklahoma, just like in other states, there are different ways that you can get your Medicare coverage. Read about the parts of Medicare and talk with a specialist. Knowing as much as you can about covered benefits and out-of-pocket costs will help you choose the plan that’s right for you.
Original Medicare (Part A and Part B) is managed by the federal government. When you turn 65, you are usually eligible and automatically enrolled. Understanding the various benefits and parts of Medicare will help you know the ways they can be combined.
Part A – Hospital Services
Medicare Part A is hospital insurance. Part A benefits cover:
- Inpatient hospital care
- Skilled nursing care facility
- Home health care services
- Hospice care
To receive Part A, you most likely won’t have to pay a monthly premium. You may have to pay for part of the cost of services, and you will have a deductible.
Part B – Medical Services – including preventive care
- Doctors’ office visits
- Preventive care
- Lab tests, blood tests and X-rays
- Diabetic screenings and supplies
- Outpatient hospital care
You will have to pay a Part B monthly premium.
Medicare Advantage Plans – Part C
Medicare Advantage, also called Part C, gives you more coverage than Original Medicare (Part A and B). You must have Part A and B to enroll in a Medicare Advantage plan.
You can buy a Medicare Advantage plan through private insurance companies contracted with Medicare. Medicare Advantage plans must cover all of the services that Original Medicare covers. Most Medicare Advantage plans offer more benefits than Original Medicare, plus what’s great about it is you get all your benefits in one plan.
More Benefits: Most Medicare Advantage plans may also cover, but will change depending on the plan you choose and where you live (your ZIP code and county in Oklahoma):
- Prescription drugs (Medicare Part D)
- Routine care for your vision and hearing
- Health, fitness and wellness programs
Limited Costs: Medicare Advantage plans have a yearly limit on your out-of-pocket costs. After you reach this yearly limit, you won’t be expected to pay for covered services. Yearly limits vary by plan. Be sure to ask. It’s important to know, Original Medicare does not have a yearly limit.
Prescription Drug Plans – Part D
Medicare Part D is stand-alone prescription drug coverage. You can get Part D through private insurance companies contracted with Medicare. Depending on the plan you choose, certain costs may apply, and most people will have a monthly premium. Remember, you can also get prescription drug coverage in many Medicare Advantage plans.
Medicare Supplement Plans in Oklahoma
You may be interested in a Medicare Supplement plan to help cover some of your out-of-pocket healthcare costs.
Medicare Special Needs Plans (SNPs)
These Medicare Advantage Plans are for people with chronic conditions or special health needs, including people living in institutions. The benefits, providers and drug formularies are carefully chosen for these unique needs.
Private health insurance companies offer these plans. If you are eligible, you can join a Special Needs Plan at any time.
Enrolling in Medicare Plans in Oklahoma
For all the information you need to enroll, please click here
Resources for Medicare recipients in your state
Medicare Savings Programs in Oklahoma
If you have limited income, you may qualify for one of Oklahoma’s Medicare Savings Programs (offered by Medicaid). These programs may help pay for premiums, deductibles and other out-of-pocket expenses.
Learn more here https://www.benefits.gov/benefit/1638
Oklahoma State Health Insurance Counseling and Assistance Program (SHIP) This nonprofit organization will educate you about Medicare and other health coverage issues as well as help answer your questions. Call 1-800-763-2828 or visit their website: Click Here
Things to remember:
- Availability of plans in specific areas in Oklahoma depends on the contract between the plans and Medicare
- Benefits and costs vary by the plan and where you live
- With any plan, you must continue to pay your Original Medicare Part B premium
- Talk with a Medicare expert and review the information so you can select the plan that’s right for you
How to sign up for your Medicare plan:
- Visit Medicare.gov
- Search the plans you want, choose one and enroll on their website
- Call the plan you’re interested in for a paper form to fill out
- Call 1-800-MEDICARE (1-800-633-4227) (TTY: 711) 24 hours a day, seven days a week. If you have both Medicare and Medicaid benefits, contact your state’s Medicaid office also