The Best Oklahoma Medicare Supplement Plans (2022)

Medicare Supplement plans, also called Medigap plans, can fill in the gaps in Original Medicare coverage. Private insurers provide ten Medicare Supplement plans in Oklahoma, with MoneyGeek rating Aetna and UnitedHealthcare as the best overall.

You cannot purchase both a Medigap and a Medicare Advantage plan in Oklahoma since Medicare Advantage Plans would replace your complete Medicare plan, including Original Medicare.

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Last Updated: 9/14/2022
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Medicare Supplement plans cost an average of $137 per year for 65-year-olds and $155 per year for 75-year-olds.

The majority of individuals who are eligible for Medicare purchase Plan F or Plan G, which provide the most comprehensive coverage. Plan F costs around $144.780 a month, while Plan G costs around $120.80. Furthermore, Plan F is only available to people who become Medicare-eligible before 2020.

Plan N, which costs roughly $118.40 and provides comparable coverage aside from excess charges, is the second most popular option.

To evaluate the best alternatives, MoneyGeek looked at the average rates and benefits of these three plans. More information on different plan types and coverages can be found in our guide to picking the best Medicare Supplement plan in Oklahoma.

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Best Medicare Supplement Plans in Oklahoma

Best Medicare Supplement Plan G in Oklahoma

Aetna has the best Medigap Plan G in Oklahoma, with an average monthly cost of $123.88. However, MoneyGeek only listed the companies that offer online estimates. There might be Medicare Supplement plan providers in your state that do not have online quotes but can provide you with better rates and plans.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $123.88

Aetna's Medigap Plan G costs $123.88 per month on average in Oklahoma, which is slightly less than the $132.20 average cost of Plan G in the state. Foreign travel emergency treatment is covered by Aetna's Plan G if it happens within 60 days of your trip and is not otherwise covered by Medicare.

MORE ABOUT PLAN G IN OKLAHOMA

Navigate to learn more about Medigap Plan G in Oklahoma, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Oklahoma

In Oklahoma, Plan G costs an average of $132.20 per month. However, actual rates vary by provider. Physicians Mutual, for example, has the cheapest Plan G for 65-year-olds in the state, with a monthly average of $97.40. Cigna has the most costly plan, at around $163.50. That's a monthly difference of roughly $66.10.

Costs vary based on when you buy, how old you are at the time, discounts and medical underwriting considerations.

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65

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  • Company
    Sample Monthly Rate
  • Physicians Mutual
    $97
  • Aetna
    $124
  • UnitedHealthcare
    $133
  • Cigna
    $164

Providers Offering Plan G in Oklahoma

In Oklahoma, 43 companies provide Plan G, but not all of them provide online rates. MoneyGeek compiled contact information for every Medicare Supplement plan provider in the state to help you find one that meets your needs. MoneyGeek also breaks down each provider's pricing practices so that you can see which ones may charge you extra based on your age.

Providers Offering Plan G in Oklahoma

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • HCSC
    312-653-6000
    Attained Age
  • Catholic Life Insurance
    800-262-2548
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age

What Does Plan G Cover?

Plan G, like other Medigap insurance, is standardized and must provide specific benefits. However, this plan excludes Part B deductibles and only covers 80% of foreign exchange within your plan's limits. In addition to standard coverage, some companies include extra benefits in their plans. For example, Emergency Foreign Travel is covered by Aetna.

Required Benefits of Plan G in Oklahoma
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Oklahoma

Aetna is the best Medigap Plan F provider in Oklahoma, with an average monthly cost of $186.93. Aetna also has a high-deductible Plan F that may bring your monthly costs as low as $52.91. MoneyGeek only researched information from Oklahoma-based insurers that offer online estimates. Providers who conduct business over the phone, via email or in person might be able to provide lower rates.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $186.93

Aetna's Medigap Plan F costs around $42.13 more per month than the $144.80 average monthly cost of other Oklahoma Plan F providers. The extra benefit of Aetna's Plan F is that it covers 80 percent of the cost of medically essential emergency treatment outside of the United States.

Aetna's high-deductible Plan F, which has a monthly premium of $52.91 on average, might be beneficial to seniors on a budget. This plan is available if you agree to pay for Medicare-related costs such as coinsurance, copayments and deductibles out of cash until you reach the $2,490 deductible.

MORE ABOUT PLAN F IN OKLAHOMA

Navigate to learn more about Medigap Plan F in Oklahoma, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Oklahoma

In Oklahoma, Medigap Plan F costs an average of $144.80 per month. Actual prices can vary depending on a number of factors, including the provider you choose, your current age, the age you were when you bought the plan, discounts and medical underwriting considerations.

Aetna, for example, is the most affordable Plan F provider in the state for 75-year-olds, with monthly premiums averaging $126.50. Cigna, on the other hand, has the most costly premium at roughly $168.20. That's a palpable monthly difference of around $41.70.

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75

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  • Company
    Sample Monthly Rate
  • Aetna
    $101

Providers Offering Plan F in Oklahoma

Oklahoma has 44 Medicare Supplement Plan F providers. However, not all companies provide estimates online. That's why we gathered contact information for all Oklahoma providers to assist you in finding one that's right for you. MoneyGeek also displays the providers' pricing techniques so you can figure out which ones will charge you more based on your age.

Providers Offering Plan F in Oklahoma

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • HCSC
    312-653-6000
    Attained Age
  • Catholic Life Insurance
    800-262-2548
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age

What Does Plan F Cover?

Plan F is a comprehensive plan that is standardized across providers. This means that all providers must ensure their Plan F offers certain benefits. However, some provide additional features to attract consumers. For instance, Aetna features Foreign Travel Emergency care.

Required Benefits of Plan F in Oklahoma
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Oklahoma

Aetna is the best option for Oklahoma seniors seeking Medicare Supplement Plan N, with a monthly average rate of $89.78. Please keep in mind that MoneyGeek only lists insurers who provide online estimates. Other Plan N providers in Oklahoma might be able to provide lower prices. To learn more about their cost and coverage, you'll need to contact them directly.

mglogo
MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $89.78

The monthly premium for Aetna's Plan N is $89.78, which is less than the $126.80 average cost of Plan N in Oklahoma. Aetna also offers benefits not included in Plan N, like Foreign Travel Emergency coverage. This ensures that if you require emergency medical assistance while traveling outside of the country, your Aetna Medicare Supplement plan will provide coverage.

MORE ABOUT PLAN N IN OKLAHOMA

Navigate to learn more about Medigap Plan N in Oklahoma, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Oklahoma

Plan N costs an average of $126.80 per month in Oklahoma, but your real cost may vary depending on your provider and a number of other factors, including your age, discounts and medical underwriting.

Aetna is the cheapest Plan N provider for a 65-year-old residing in the state, with a monthly average rate of $89.80. With premiums averaging $138.90 per month, Cigna is the most costly plan N provider. That's a difference of almost $49.10 each month.

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65

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  • Company
    Sample Monthly Rate
  • Aetna
    $90
  • UnitedHealthcare
    $123
  • Cigna
    $139

Providers Offering Plan N in Oklahoma

Plan N is available from 40 different providers in Oklahoma. However, not all of them provide online estimates. MoneyGeek gathered contact information for all Oklahoma providers to assist you in finding one that meets your needs. MoneyGeek also displays the providers' pricing techniques so you can figure out which ones will charge you more based on your age.

Providers Offering Plan N in Oklahoma

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swipe icon
  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • HCSC
    312-653-6000
    Attained Age
  • Catholic Life Insurance
    800-262-2548
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age

What Does Plan N Cover?

Plan N is standardized, like other Medigap policies, and must provide a minimum of specific benefits. This includes Part A coinsurance and deductibles. Providers are free to integrate whatever extra functionality they choose. Aetna, for example, provides extra Foreign Travel Emergency coverage.

Required Benefits of Plan N in Oklahoma
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Oklahoma: Other Plan Types

Other plan types are available for purchase in addition to Plans F, G and N. These plans — which include Plans A, B, C, D, K, L and M — are less popular since they usually provide less comprehensive coverage.

For the remaining letter plans, MoneyGeek determined that UnitedHealthcare and Aetna offer the best Medicare Supplement plans in Oklahoma. The providers listed below also provide Medigap policies in the state and offer online quotes:

  • UnitedHealthcare
  • Aetna
  • Cigna
  • Physicians Mutual Insurance Company

Plan C will not be accessible in Oklahoma or any other state if you first become eligible for Medicare after January 1, 2020.

The Best Medicare Supplement in Oklahoma - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    Aetna

    $130.69

  • B

    Aetna

    $123.79

  • F

    Aetna

    $186.93

  • G

    Aetna

    $123.88

  • K

    UnitedHealthcare

    $59.01

  • L

    UnitedHealthcare

    $85.70

  • N

    Aetna

    $89.78

How to Find the Best Medicare Supplement Plans in Oklahoma

In Oklahoma, Medicare Supplement is a complex topic. MoneyGeek gathered and evaluated price data for Oklahoma plan types and generated a simple comparison chart. This can help you compare Medigap plans in Oklahoma more easily.

Oklahoma Medicare Supplement Plans Comparison Chart

There are many levels of coverage when it comes to Medigap insurance. Depending on when you become eligible for Medicare, you may only be able to choose from a limited number of plan options. The most extensive plans are Plan F and Plan C. However, they are no longer available to new participants. Plan G and Plan D have taken their place, and you can compare coverages and typical charges using the table below.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Oklahoma

The cost of Medicare supplemental insurance varies depending on the type of plan and provider you select. Aetna has the most reasonable costs in Oklahoma for most letter plans, while UnitedHealthcare has the lowest monthly premiums for Plans K and L.

Different pricing styles are utilized by providers to determine rates. Here are the three most commonly used pricing styles:

  • Attained Age: In many places, including Oklahoma, this is the most frequently used pricing method. Your rates will increase as you become older because your rate is influenced by your current age.
  • Issue-Age: In this pricing model, premiums are determined by your age at the time you buy your policy.
  • Community-Rated: Community-rated plans have the same monthly cost regardless of age, according to providers.
Average Cost of Medicare Supplement in Oklahoma

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • Aetna
    $131
  • Physicians Mutual
    $145
  • Cigna
    $168
  • UnitedHealthcare
    $491

FAQs About Medicare Supplement Plans in Oklahoma

To help you understand Medicare Supplement plans, MoneyGeek answered the most commonly asked questions.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Oklahoma for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.