Find Affordable Health Insurance In Oklahoma
How To Get Health Care Insurance When You Are Not On An Employer’s Group Health Plan
Health Plans By Type In Oklahoma
Health Insurance Costs In Oklahoma
- ACA Health Insurance - Compare hundreds of Individual & Family plans
- Short Term Health - As low as $85/month with $10k deductible
- Accident Only Coverage - As low as at $45/month
- Dental Plans - Starting at $21/month
- Vision Insurance - Starting at $5/month
- Telehealth - Only $19.95/month, saving you hundreds in the long run
Affordable Care Act Plans in Oklahoma
The Affordable Care Act (ACA) health insurance popularly known as Obamacare, offers medical coverage beyond doctor visits and surgical procedures. The majority of plans cover all or part of the cost of your prescribed drugs as well as other healthcare-related services including rehab, physical therapy, mental health care, and nursing home care.
What It Is: Traditional health care coverage like you would have through an employer. This type of coverage will protect you from incurring any costs related to pre-existing conditions.
Cost: $400 – 700/month, per person. The national average is $438.
Source: https://www.healthmarkets.com/content/health-insurance-cost-per-month
When Is Federal Open Enrollment?
During the Federal Open Enrollment period, you are eligible to enroll in an ACA health plan. This typically takes place every year from November 1 till January 15.
When Is Oklahoma’s State Open Enrollment Period?
Oklahoma follows the yearly federal open enrollment period which runs from November 1 through January 15.
Special Enrollment Periods
You may sign up for an ACA health plan outside of the federal Open Enrollment within 60 days after a qualifying life event.
Types Of Qualifying Life Events:
- Loss of health coverage. Losing existing health coverage, including job-based, individual, and student plans.
- Changes in marital status (getting married/divorced)
- Having a baby or adopting
- Changes in residence. Moving to a different ZIP code or county
Temporary Medical Insurance In Oklahoma
During a gap in insurance coverage, a short-term health insurance plan can provide you with basic medical coverage.
What It Is: These types of plans are for people in good health that do not need to treat pre-existing conditions.
Cost: Dependent on your age and state availability. Compared to ACA, these plans are very affordable.
Who Needs Temporary Health Insurance?
- Individuals who missed the deadlines for the ACA exchanges and need to wait until the next enrollment period
- Individuals who have a waiting period before enrollment in an employer’s health insurance or another program
- People who are temporarily in between jobs or have been laid off
- Self-employed individuals
- People looking for a plan less expensive COBRA health insurance
- Those needing temporary coverage:
- College students or recent graduates
- Young adults coming off their parent’s health benefit plan
- Retirees waiting for Medicare eligibility
- Coverage for dependents not covered under an employer plan
What Is COBRA Insurance?
The Federal COBRA Act allows employees and their qualifying dependents to extend the coverage of their workplace health insurance if the policy would expire due to a qualifying event.
COBRA coverage is available for up to 18 months for workers and 36 months for families.
To join a COBRA plan, the employer who provided the work health insurance will give enrollment information within 45 days of losing the benefits.
What It Is: A continuation of your most recent employer group health plan.
Cost: $400 – 700/month, per person. National average is $438.
COBRA is provided for up to 18 months for employees and 36 months for families.
To start a COBRA plan, the employer who offered the work health insurance will provide enrollment information within 45 days of losing those benefits.
Low-Income Health Insurance In Oklahoma
Oklahoma’s Medicaid program is called SoonerCare. Medicaid is a joint state-federal program that covers medical expenses for low-income parents, children, the elderly, people with disabilities, pregnant women, and women with breast or cervical cancer. Individuals must fulfill income and other eligibility standards to qualify. Visit oklahoma.gov to create your account.
Reporting Health Insurance Fraud In Oklahoma
Medicaid fraud can take many different forms, but it often happens when a contracted Medicaid provider intentionally makes or causes to be made a false or misleading statement or representation in order to get compensation from the Medicaid program.
In addition, fraud happens when a provider offers or accepts a bribe in return for rendering services, tries to bill patients more than the Medicaid rates set by the Oklahoma Health Care Authority, or neglects to keep records of the services rendered. Click on this link to report Medicaid fraud oag.ok.gov.
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