Supplemental Insurance

Supplemental health insurance is a policy available for those looking for additional coverage. Supplemental coverage can help individuals and families pay for extra medical care and the costs associated with hospital stays. Oklahoma Health Options is ready to help you determine if supplemental insurance is the right option for you.

What Is Supplemental Insurance?

Supplemental medical insurance coverage is additional insurance that can help cover extra medical care and hospital stays. Extra costs that are often covered include:

• Deductibles and co-insurance amounts
• Private room and private duty nurse fees
• Outpatient surgery
• Emergency room visits
• Extra transportation, lodging, or meals
• Unexpected childcare

Supplemental insurance also comes with advantages such as no deductible during your hospital stay, reimbursements are paid directly to you and hospital stays are payable for up to one year for the same or related condition.

How To Get Supplemental Insurance

Supplemental insurance can be obtained by contacting an agent. If you’re ready to get started, reach out to us today.

Group Health Insurance

Group health insurance is a plan offered by an employer providing health coverage to employees and their families. It may also be offered to members of an organization. Generally, group health insurance may be less expensive because the risk is spread across the policyholders.

How Does Group Health Insurance Work?

An employer or organization purchases health insurance, and group members or employees can opt-in to receive coverage. They may pay a portion of the employer or organization’s premiums.

Accepting group health insurance is not mandatory. Each health plan is different, and you may have several plans from which to choose. Your agent can help you decide whether enrolling in group health insurance may provide your needed coverage.

What Are the Benefits of Group Health Insurance?

Group health insurance premiums may be less expensive than purchasing an individual policy. Organizations that provide access to group health insurance for their members or employees may receive tax benefits.

Many job seekers consider access to group health insurance standard among benefits. Providing access to high-quality health care at a reduced cost could help an employer attract and retain top talent.

Learn More About Group Health Insurance

Call Oklahoma Health Options today to learn more about how group health insurance may benefit your organization and to get a quote.

Life Insurance

Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Life insurance can help provide financial security for you or your loved ones by replacing lost income and covering various expenses after your death or when the policy’s term is up. If you’re looking for life insurance, we’re here to help. Our agency is ready to discuss your life insurance needs and help find a policy that’s right for you.

What Is Life Insurance?

Life insurance is a contractual agreement between you (the policyholder) and the insurance company. In exchange for paying the insurer a regular premium, your beneficiaries will receive a lump-sum death benefit when you pass away or after a specific amount of time has passed.

What Are the Types of Life Insurance?

There are two primary types of life insurance, including:

• Term life insurance—A term life policy provides a death benefit to your loved ones if you die during the policy’s term. This term might be a period of 10, 20, 30 or more years, depending on the expiration date of the policy. If you do not die during this time, the policy does not pay and will expire when the term ends. You will also have to reapply for a new policy if you want to continue to have coverage.
• Whole life insurance—A whole life policy will last for the remainder of your life once you enroll. It will not expire unless you stop paying for it. Additionally, such a policy offers cash value investment opportunities. This cash value component can enable you to receive a source of income during your lifetime (in addition to the eventual death benefit).

Several other types of life insurance also exist. Speak to one of our agents to determine which type of coverage suits your particular needs.

How to Get Life Insurance

If you’re in need of a life insurance policy, we’re here to help. Give Oklahoma Health Options a call or request a quote online to get started.

Medicare

Medicare Quote Form

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Medicare is a federal health insurance coverage for qualified individuals. You can qualify for Medicare coverage if you’re 65 years old, have specific disabilities, or have end-stage renal disease. Medicare coverage can be complex, so it’s beneficial to speak with an agent before choosing your coverage.

What Is Medicare?

Medicare is multi-part healthcare coverage for qualified individuals. Once you determine whether or not you want to enroll, you will have to decide which parts you will enroll in. The parts of Medicare include the following:

• Part A, also known as hospital insurance, includes health care costs associated with hospital stays and limited stays at a nursing home, hospice care and some costs for home health care. Part of Original Medicare.
• Part B, also known as medical insurance, is for everyday health care expenses, any outpatient care you might receive, specific medical supplies and preventive care. Part of Original Medicare.
• Part C, also known as Medicare Advantage, is an alternative to Original Medicare. It becomes your primary coverage; most Medicare Advantage Plans include Part D Medicare prescription drug coverage.
• Part D, also known as prescription drug coverage, will help cover the costs of medications prescribed for your health condition. Individual Medicare drug coverage plans use a formulary developed by a pharmacy and therapeutics committee composed of pharmacists and physicians to regulate which medications they’ll cover.
• Medigap, also known as Medicare Supplemental Insurance, is a supplemental health insurance program to cover health care costs that Original Medicare does not. You can only purchase Medigap insurance if you’re enrolled in Original Medicare. It cannot be used with a Medicare Advantage Plan.

When Do I Enroll in Medicare?

The enrollment process for Medicare can be a little different for everyone. Be sure to check with your Social Security Administration three months before your expected start date of Medicare to be sure everything is in order if you are eligible for automatic enrollment. Automatic enrollment is available for you if you:

• Are you already receiving Social Security benefits (at least four months before start)
• Receive U.S. Railroad Retirement Board (RRB) benefits (at least four months before start)
• Are under age 65 but have a Social Security disability for 24 months
• Have amyotrophic lateral sclerosis (ALS or Lou Gehrig’s disease or ESRD)

If you are about to turn 65 or are not receiving Social Security benefits, you will have to enroll on your own. Enrollment can vary based on individual circumstances, so be sure to contact an agent if you have questions about your enrollment process.

How to Get Started With Medicare

Medicare is a complex coverage that you shouldn’t have to navigate alone. Reach out to an agent to learn more about your enrollment process today.

Native American Health Insurance Plans – Oklahoma

Understanding Native American Health Insurance

This guide will help you learn about Native American health insurance. We will go over:

• What it is
• What it covers
• How much it costs each month
• Who can get it
• Common questions

What is Native American Health Insurance?

Native American health insurance is a special kind of health plan. It gives you many benefits, like no costs for doctor visits, prescriptions, or hospital stays.

Example of a Native American health insurance card:

Notice the zero-cost sharing benefits circled in green.

You also have access to many doctors and hospitals without needing referrals from your tribal clinic to see specialists.

Health Care Coverage

This insurance covers important health services, like:

• Doctor visits
• Emergency services
• Hospital stays
• Prescription drugs
• Care for pregnant women and newborns
• More health coverage

Example of someone using this plan:

Jane qualifies for and is enrolled in Native American health insurance. She gets into an accident and takes an ambulance to the emergency room.

After the doctor checks her injuries, she is diagnosed with a broken arm, treated, and prescribed pain medication.

The emergency room and the pharmacy bill her insurance. Jane’s insurance will fully cover her bills if she is in their network and her plan covers her care. She will not have to pay out of pocket for these services.

Example Explanation of Benefits (EOB) with Native American benefits:

You can see the out-of-pocket costs are zeroed out.

Monthly Premiums

The cost you pay each month depends on a few things. It depends on things like your income, how many people are in your family, if you use tobacco, and where you live.

Native American Plans Quote

Choosing an Insurance Company

When picking a plan, know that benefits are the same with all companies. But the doctors and hospitals you can use might be different. Some plans might cost more but allow you to see more doctors.

Using Your Benefits

After you sign up, you get an insurance card. Use this card when you go to the doctor or hospital.

By doing so, you will be able to use your zero cost sharing benefits.

Referrals

If you pick a PPO plan, you don’t need referrals to see specialists.

Some HMO insurance plans in Oklahoma may not require referrals.

Do You Qualify?

You must be a member of a federally recognized tribe. The Marketplace asks American Indian and Alaska Natives to provide a picture of their documentation. This can be done by submitting an image of one of the following to the Marketplace: 

• Certificate of Degree of Indian Blood card (CDIB)
• Tribal Card
• Other Documentation

You may not qualify for this insurance if you have a government plan. This includes plans like Medicare or Medicaid.

If you get health insurance through your employer, you may not be eligible for Native American health insurance.

You also need to meet income guidelines.

If your family’s income is in the green section, you may qualify for Native American health insurance.

If you earn less money, you may qualify for SoonerCare. If you earn more money, we will help you look at a different plan.

Special Enrollment Periods (SEP)

You can sign up for Native American health insurance at any time of the year. You can also change plans once a month. Non-tribal members applying with a tribal member can use the SEP.

Enrollment Process

Please speak to one of our health insurance brokers. We will help see if you can get this insurance and sign up. You can call us at (405) 546-2000.

Native American Plans Quote

More Healthcare Help for Native Americans

Blue Cross Blue Shield of Oklahoma: American Indian Outreach

Oklahoma’s future is looking good! Blue Cross and Blue Shield is teaming up with Native American tribes. They are helping to pay for important health programs. This will improve health and unite communities across the state.

Read Blue Cross Blue Shield’s brochure for more on BCBSOK’s commitment to tribal communities in the state.

Native American Health Insurance Blue Cross Blue Shield

View our Native American Health Insurance Guide. In this guide, you can learn about Blue Cross Blue Shield Native American Oklahoma health insurance: how it works and when to enroll.

Here are some popular nicknames for using Native American benefits with BlueCross BlueShield:

• BCBS Native Blue Insurance
• Native Blue Cross Blue Shield
• Native American Blue Cross Blue Shield
• Blue Cross Blue Shield American Indian

More Resources

Blue Cross Blue Shield Native Blue Providers

Native American Health Insurance Oklahoma Blue Cross Blue Shield Quote Form

Blue Cross Blue Shield of Oklahoma Website

Native American Plans Quote

Oklahoma Dental and Vision Insurance for Individuals and Families

Dental insurance offers an affordable way to access regular and preventive dental care. It covers routine services and helps you save on out-of-pocket expenses.

Oklahoma Vision Insurance Plans Quote

Benefits of Dental Insurance

Cost Savings:

• Preventive Care: Most plans cover cleanings, exams, and X-rays for free. Regular check-ups prevent costly issues.
• Lower Procedure Costs: Insurance cuts costs for fillings, crowns, and root canals. It covers part of these services.

Financial Protection:

• Covers Unexpected Costs: Insurance shields you from high emergency costs, like extractions and urgent repairs.
• Easier Budgeting: With insurance, planning for dental care becomes easier, as many services are covered.

Health Benefits:

• Links to Overall Health: Good oral health affects conditions like heart disease and diabetes. Regular care reduces these risks.
• Prevents Serious Issues: Regular visits and good oral care prevent major health problems. This boosts overall well-being.

Dental insurance provides numerous benefits, from cost savings and financial protection to improved overall health and quality of life. It encourages regular dental visits, supports preventive care, and makes accessing necessary treatments more affordable.

We’re here to help you find your Dental Insurance Plan

We’ll help you and your family find the right dental insurance plan by assessing your situation. Speak to one of our Oklahoma licensed brokers to get help finding the right dental insurance.

Oklahoma Dental Insurance Plans Quote

Oklahoma Vision Insurance

Vision insurance offers key benefits for health and finances

Benefits of Vision Insurance

1. Savings on Eye Exams: It often covers or lowers the cost of annual eye exams, aiding early detection of issues.
2. Discounts on Eyewear: Many plans offer allowances or discounts for glasses and contacts, making it easier to keep prescriptions updated and choose quality options.
3. Affordable Premiums: Vision insurance usually comes with low premiums, ensuring access to vital eye care without breaking the bank.

Adding vision insurance to a health plan is smart. It ensures complete eye care while keeping costs in check.

We’re here to help you find your Vision Insurance Plan

We’ll help you and your family find the right vision insurance plan by assessing your situation. Speak to one of our Oklahoma licensed brokers to get help finding the right vision insurance.

Oklahoma Vision Insurance Plans Quote

Cancer Care – Oklahoma

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Here at Oklahoma Health Options we are always searching the insurance market for ways to help our clients to save money and increase their benefits. The cancer and dread disease policy by Manhattan Life is another great option we have found to help protect our clients. This policy provides excellent supplemental coverage for cancer and other dread diseases as well for the entire family for around $100 per month. The best feature of this policy, it is renewable for life no matter how long you have been receiving treatments. They stay with you through the entire course of your battle.

In the United States, men have about a 1-in-2 lifetime risk of developing cancer; for women the risk is a little more than 1-in-3.* Since 1990, over 18 million new cancer cases have been diagnosed.* As advances in cancer treatment continue, more and more people will survive: Approximately 9.6 million Americans with a history of cancer were alive in 2000.* The five-year relative survival rate for all cancers combined is 63%.*

The National Institutes of Health estimated the overall costs for cancer in the year 2003 at $189.5 billion. Although health insurance can help offset the costs of cancer treatment, you still may have to cover deductibles and co-payments on your own.

Additionally, cancer treatment can cause out-of-pocket expenses that aren’t covered by traditional health insurance:

• Travel
• Food
• Lodging
• Child Care

If having an added layer protection for cancer and other serious diseases for you and your family sounds like a great idea then contact us today to meet with a local adviser. 

Call 405-546-2000 today or to schedule your FREE consultation
CLICK HERE

Individual and Family Health Insurance Plans – Oklahoma

Individual, Family & Self-Employed Plans Quote

Oklahoma Health Insurance Options

Picking the right health insurance can be tough. That’s why we offer three main types of health insurance for individuals and families in Oklahoma: Affordable Care Act (ACA) plans, short-term plans, and alternative options. Each type has different choices to fit your needs and budget.

These are great health insurance options if you are self-employed, not offered employer coverage, or find your employer coverage too expensive.

We want to make it easy for you. We’ll help you understand what each plan offers so you can select the best one for you and your family. Take a look at the different types of health insurance below.

Affordable Care Act Plans

Affordable Care Act (ACA) plans, also known as major medical, comprehensive coverage, the Marketplace, or “Obamacare,” are among the most comprehensive health insurance options available. These plans meet all ACA requirements and offer extensive coverage for a wide range of health care services, both inpatient and outpatient.

If you have a chronic illness or face a medical emergency, ACA plans can protect you from overwhelming expenses. They can save you money on regular doctor visits, prescription medications, preventative care, hospital stays, and more. ACA plans are available to almost everyone, and you can’t be denied coverage due to preexisting conditions.

Affordable Care Act plans are usually a great health insurance option for self-employed individuals and families in Oklahoma due to the savings they qualify for.

Short-Term Plans

Are you currently between jobs, outside of the Open Enrollment Period (OEP), or just looking for coverage in case of a major health event? Temporary health insurance (also known as short-term medical insurance) might be a suitable option for you.

However, it’s important to note that short-term plans do not meet ACA requirements and may not cover all or any of your medical needs. Be sure to read the plan details carefully before applying. Additionally, short-term plans are not eligible for government subsidies like ACA plans.

For an in-depth understanding of Short-Term medical plans, check out our comprehensive guide that explains how these plans work.

Alternative Options

ACA or short-term medical plans aren’t the perfect fit for everyone. We offer alternative options for those who may not be a good fit. These options can be a great option for those who:

• Don’t receive many tax credits for ACA plans
• Are generally healthy

After assessing your situation, we’ll help you determine if alternative options may be a good fit.

Why Oklahoma Health Options?

Expert Guidance – Our Oklahoma health insurance specialists have an in-depth understanding of the products available to Oklahomans.

Wide Range of Choices – We provide access to a diverse selection of plans from multiple insurance carriers, ensuring you have a variety of options to meet your needs.

Ongoing Support – Our commitment doesn’t end with enrollment. We offer continuous support throughout the year to assist with any issues or questions that arise.

Call (405) 546-2000 today or to schedule your FREE consultation