MEDICARE SUPPLEMENTS INSURANCE

The best time to explore Medicare Supplements (Medigap) is before you become eligible for Medicare. If you’re approaching age 65, the decisions you make now can protect your health and finances later. We understand that choosing the right supplemental insurance can feel overwhelming. That’s why our trained agents at OKC Insurance Brokers are ready to help you compare options and find what fits your needs.

Why Consider a Medicare Supplement?

Everyone aged 65 or older qualifies for basic Medicare. However, Medicare typically covers only about 64% of annual healthcare costs. On top of that, you must also pay deductibles, co-payments, and coinsurance.

This is why many people turn to Medicare Supplement Insurance (Medigap) to fill those coverage gaps. At OKC Insurance Brokers, we specialize in helping Oklahoma residents find the right supplemental coverage to suit their lifestyle and budget.

Medigap Enrollment and Guaranteed Issue Rights

To support retirees in Oklahoma, both Medicare Part A and Part B work together. If you choose to enroll in Part B, it’s best to purchase your Medigap plan within the first six months of enrollment. Why?

• During this open enrollment period, Medigap providers must accept you, regardless of any preexisting conditions.

• This protection is called “guaranteed issue rights.”

• As long as you pay your premiums on time, your policy remains in force.

If you wait longer than six months, companies may deny coverage based on health issues like diabetes, cancer, or heart disease.

Medigap Plan Options in Oklahoma

Medicare Supplement plans in Oklahoma are categorized alphabetically, from Plan A through Plan N. Each plan offers a different combination of benefits:

• Help with deductibles, co-pays, and coinsurance

• Some plans include prescription drug, vision, or dental coverage

• Most plans allow you to choose your own doctors and hospitals

• No need for referrals to see a specialist

• Your plan travels with you nationwide

This flexibility makes Medigap plans an attractive option for retirees who value control over their healthcare choices.

What Affects Your Medigap Rates?

Rates for Medigap plans vary depending on several factors:

• Age

• Location

• Gender

• Health history

• Insurance carrier

You don’t have to navigate this alone. Our agents at OKC Insurance Brokers will compare prices across providers to find coverage that’s affordable, comprehensive, and right for you.

Get Expert Help Today

Choosing the right Medicare Supplement can feel complicated, but it doesn’t have to be. Let OKC Insurance Brokers guide you through your options. We’ll explain the benefits, break down the costs, and help you make a confident decision.

Contact us today at 405-509-9433 or visit okcinsurancebrokers.com to speak with one of our licensed agents.