Best Medicare Supplement Plans in Oklahoma

Aetna and Mutual of Omaha offer Oklahoma’s best Medicare Supplement plan rates.

Aetna’s Plan G is the most comprehensive plan, costing $141.28 per month in Caddo County, followed by the most competitive Plan N rates with Mutual of Omaha at just $96.01 monthly in Logan County.

Some key features include household discounts, fast underwriting, low monthly premiums, and high customer satisfaction rates.

Both companies also offer separate dental and life insurance policies that can be purchased at an additional premium.

Roughly 194,570 residents in Oklahoma are covered by Medicare Supplement, also known as Medigap. Of this, 37%, or 72,451 individuals, opted for Plan G, while 13%, or 13,992 individuals, chose Plan N as their coverage option in Oklahoma.

  • Plan N: $96.01 per month
  • Member satisfaction: 96.2%
  • Plan G: $141.28 per month
  • Member satisfaction: 97.3%

We considered financially stable options from established companies to find Oklahoma’s best Medicare Supplement plan. Newer companies may not always offer lower rates and may unexpectedly increase prices.

Choosing reputable and familiar brands can help avoid additional expenses and complications.

Best Plan G Rates: Aetna

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Plan G Overview:

Aetna Medigap Plan G offers many benefits, including coverage for Part B excess charges, Medicare Part A deductible, and Part B coinsurance.

What sets it apart is the freedom it provides – no referrals are required, and no networks limit your choice of healthcare providers. You can select any medical provider within the Original Medicare network.

Plan G Helps Pay the Following:
  • Original Medicare coinsurance
  • Part A deductible
  • Foreign travel
  • Part B excess charges
  • Emergency care
  • Lower out-of-pocket expenses overall
  • Attain by Aetna fitness program
Average Medigap Plan G Cost in Caddo County, OK:
Female Ages:

65:  $122.78

70:  $130.53

75:  $153.44

Male Ages:

65:  $141.28

70:  $150.27

75:  $176.43

Best Plan N Rates: Mutual of Omaha

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Plan N Overview:

With Medigap Plan N from Mutual of Omaha, you can see any doctor who accepts Original Medicare. This plan ensures that your benefits are established annually, providing peace of mind.

There is a convenient $25 copay for office visits, and for emergency room visits, a $50 copay applies.

Additionally, you can enhance your coverage by including dental and vision insurance to meet your specific needs.

Plan N Helps Pay the Following:
  • Original Medicare Part A and B coinsurance
  • Part A deductible
  • Emergency care
  • Lower out-of-pocket expenses overall
  • Access to the fitness program Mutually Well
Average Medigap Plan N Cost in Logan County, OK:
Female Ages:

65:  $83.49

70:  $100.39

75:  $118.90

Male Ages:

65:  $96.01

70:  $115.45

75:  $136.73

What's the Best Medicare Supplement Company in Oklahoma?

The overall best Medigap providers in Oklahoma are Aetna and Mutual of Omaha.

These providers offer the most affordable Medigap plans in Oklahoma. This is one of the main reasons they are popular in our review process. The top Medicare Supplement company choice varies depending on the specific plan letter you are interested in.

For instance, one carrier may offer a more affordable Plan N, while another may have a better price for Plan G. Each company has pros and cons based on its plan levels.

Plan G
Plan N
Cost by CountyFinancial
Aetna Health Insurance Company5.97%$130.78$92.05GarfieldA
Mutual of Omaha Insurance Company17.42%$128.43$82.61WagonerA+
United Healthcare21.70%$134.05$100.15McClainA
Cigna Health Group4.65%$140.27$98.23RogersA

In Oklahoma, ten standardized Medigap plans offer the same coverage, regardless of the insurance company you choose. Furthermore, there may also be a high deductible Medigap option in some areas.

Additionally, these plans typically do not have networks, so you can visit any provider that accepts Original Medicare. To simplify your decision-making process, comparing insurance companies’ costs and policyholder satisfaction ratings is helpful.

How Much Does a Medigap Plan Cost in Oklahoma?

Premiums for an Oklahoma Medicare Supplement plan can cost as little as $36 or as high as $171, depending on your age and the level of coverage you choose.

Medigap PlanMonthly CostCost by CountyEnrollment in Oklahoma
Plan F$147.33Payne50%
Plan G$127.90Lincoln37%
Plan N$82.61Custer7%
High Deductible G$36.12Woods2%
Plan A$138.10Cherokee1.4%

Does Plan G Cover Medications?

Medicare Plan G does not include coverage for retail prescriptions obtained outside of a healthcare facility, typically provided by Medicare Part D. However, it does cover the coinsurance for all medications under Medicare Part B.

Are All Medicare Supplement Plan G's The Same?

Yes, all Medicare Supplement Plan G policies are standardized, offering the same basic benefits, regardless of which insurance company you purchase from. However, customer service, premium costs, and stability of rates may vary among insurance companies. Therefore, while the basic coverage is identical, other factors can differentiate one Plan G from another.

How to Compare Medigap Plans in Oklahoma

  • Consider These Factors:

    Monthly premium

    • You have to pay a monthly premium along with your Part B premium. The amount of this premium is based on your age, gender, use of tobacco, location, and plan type. You must pay this premium even if you don’t use any benefits.

    Plan options

    • All plans cover Part A copays, some Part B copays and coinsurance, hospice care, and three pints of blood. However, some plans may not include additional benefits. It is important to review which benefits are important to you before deciding which plan to buy.

    Insurance provider

    • We recommend researching the ratings and feedback from previous customers of an insurance provider before making a decision. Additionally, it could be helpful to contact the provider and ask about their customer service and how quickly they respond to inquiries.

    Extra discounts

    • Some companies provide unique benefits to their members, such as reduced prices on hearing aids or eyeglasses from particular suppliers.

Final Verdict

We have helped many Medicare beneficiaries and know there is no perfect Oklahoma Medicare Supplement plan.

Knowing your health needs is essential to find the right Medicare Supplement insurance plan. We can assist you by sharing information and facts to guide you in deciding.

Key takeaways:

After years in the industry and helping countless people find coverage, we have come to love Aetna and Mutual of Omaha above the rest. Our clients who choose them often stay with them for a long time because they are simply that good.

Regarding value and enrollment speed, these providers can’t be beaten; They also have an excellent track record for paying claims quickly.

Selecting the optimal Medicare plan is a pivotal decision that necessitates thoughtful deliberation. At Policy Guide, our team of experienced agents offers expert guidance to assist you in evaluating health plans, prices, and policies.

Article Sources:  Medigap Costs  |  OK Medigap Handbook  |  Compare  Aetna  |  Mutual of Omaha  |  OK AHIP

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Mark Prip

Since 2003, Mark Prip has been leading  Policy Guide, Inc., providing knowledgeable information about Medicare, life insurance, and dental coverage to clients in over forty states. With his unparalleled hands-on experience aiding countless Medicare beneficiaries in selecting an appropriate health plan, he is a prime example amongst other competitors for expertise and assistance. Mark has held his Florida Health & Life Insurance License (E051889) since 2003. View his license profile on the Florida Department of Insurance website.