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If you’re a Medicare beneficiary in Oklahoma, you might have some choices about the way you receive your Medicare benefits – just as you might in other states. You may be able to get your Medicare Part A and Part B benefits through a Medicare Advantage plan instead of directly through the government.
Medicare Part A (hospital insurance) and Part B (medical insurance) are called Original Medicare. To qualify for Medicare, you must be either a U.S. citizen or a legal permanent resident of at least five continuous years. If you’re automatically enrolled in Medicare, as many Americans are if they’re receiving retirement benefits before 65, this is the Medicare program you’re enrolled in. You can also qualify for Medicare at any age through disability or having certain health conditions, such as end-stage renal disease or amyotrophic lateral sclerosis (or Lou Gehrig’s disease).
You may have the option of receiving your Medicare Part A and Part B benefits through a Medicare Advantage plan from a private, Medicare-approved insurance company in Oklahoma. In a Medicare Advantage plan, you’re still enrolled in Medicare, and you get the same benefits as you would with Original Medicare (except hospice care, but Medicare still covers that when you’re enrolled in a Medicare Advantage plan). But many Medicare Advantage plans include other benefits as well, such as prescription drug coverage and routine dental or vision services.
There are several types of Medicare Advantage plans in Oklahoma; for example, Health Maintenance Organization (HMO) plans, and Preferred Provider Organization (PPO) plans. However, not every Medicare Advantage plan may be available in your county in Oklahoma. Also, be aware that you need to continue paying your monthly Part B premium along with any premium the Medicare Advantage plan may charge.
You may find that many Medicare Advantage plans include prescription medication benefits. These plans are called Medicare Advantage Prescription Drug plans. These plans cover health and medical care as well as prescription drugs in a single policy.
There are restricted time periods when you can enroll in a Medicare Advantage plan.
The availability and cost of Medicare Advantage plans may vary depending on where you live in Oklahoma. Some Medicare Advantage plans offer monthly premiums as low as $0, but remember that there may be other plan costs, such as deductibles and copayments, and you must continue paying your Medicare Part B monthly premium as well.
Before comparing plans, you may want to decide whether you want prescription medication benefits included in your Medicare Advantage plan. Each Medicare Advantage Prescription Drug plan has its own list of covered prescription drugs called a formulary. You may want to check the formularies of any plans you’re looking at to make sure your prescription medications are covered. The formulary may change at any time. You will receive notice from your plan when necessary.
You can start comparing Medicare Advantage plan options in Oklahoma today. Simply enter your zip code where indicated on this page, and we will display a customized list of plan options available to you.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.