Oklahoma Health Insurance

Health Insurance Overview

Oklahoma residents have many options for health care coverage. There are numerous Oklahoma insurance providers to choose from, along with a variety of Oklahoma medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Oklahoma health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Oklahoma medical insurance from the best Oklahoma insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Oklahoma health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Oklahoma health insurance programs, and even details on some of the top Oklahoma insurance providers.

To compare specific Oklahoma medical insurance plans offered by the various Oklahoma insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Oklahoma health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Oklahoma health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Oklahoma? Find your state here.

Oklahoma Health Insurance Facts & Statistics

Total Oklahoma Residents – 3,634,500

Total Health Insurance Coverage In Oklahoma:
Employer – 47%
Individual – 4%
Medicaid – 16%
Medicare – 14%
Other Public – 2%
Uninsured – 18%

Average Individual Monthly Premiums – NA

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 22%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,043

Average adjusted hospital cost per inpatient day – $1,489

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Oklahoma Medical Insurance Laws, Regulations & Policies

There are several Oklahoma health insurance laws and regulations that are put in place to protect policyholders living in the state. Oklahoma insurance providers look at every applicant’s health history before they provide coverage and set monthly premiums. If an applicant is turned down for Oklahoma health insurance coverage, he or she can purchase a plan through the Oklahoma Health Insurance High Risk Pool. Under this program, any person can be accepted into coverage regardless of pre-existing health conditions or poor health history. It is important to note that these plans can be quite expensive.

In the private health insurance market, Oklahoma health insurance law requires that all health plans provide coverage for these medical services:

  • Mammograms
  • Screening for prostate, colorectal, and cervical cancer
  • Care for pregnant women
  • Hearing aids for children
  • Vaccinations for children

Oklahoma health insurance law also requires mental health parity, which means Oklahoma insurance providers must provide equal benefits for physical health conditions and mental health conditions.

Oklahoma Health Insurance Resources

Oklahoma Department of Health Services Programs and Services

A comprehensive list of programs and services available in Oklahoma. Visit the website.

Child and Adolescent Health Division

Resources for children and adolescents. Visit the website.

Oklahoma Health Insurance High Risk Pool

Oklahoma Health Insurance High Risk Pool
The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Residents in Oklahoma with pre-existing medical conditions will be able to get health insurance from the Pre-Existing Condition Insurance Plan (PCIP). This works similar to regular Oklahoma health insurance plans and requires enrollees to pay affordable premiums and out-of-pocket costs.

Enrollees in the Oklahoma PCIP pay around the same amount that people without pre-existing conditions pay for health insurance. The estimated premiums for Oklahoma residents range from $137 to $702 per month. The plan has a $2,000 deductible for medical services and a $200 deductible for prescription drugs. There is also an out-of-pocket limit set at $5,950 a year. Residents who are eligible for the plan will get access to health insurance coverage for prescription drugs, emergency services, doctor and hospital visits, and more.

Individuals may apply for the Oklahoma program if they are a United States’ citizen, have an existing medical condition, and have been without health insurance for six months. For more information on the Oklahoma health insurance high risk pools visit http://www.healthcare.gov.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Oklahoma Medical Insurance and Health Care Programs

The state of Oklahoma offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid (SoonerCare)
    The Medicaid program in Oklahoma is called SoonerCare, and provides health insurance for some low-income children, adults, and families, along with disabled citizens. To learn more about SoonerCare, visit this Oklahoma medical insurance program online.
  • Insure Oklahoma/O-EPIC
    This program helps small business employees and individuals in Oklahoma get access to low-cost health insurance plans. To learn more about O-EPIC, visit the website.
  • Oklahoma Cares
    Women in Oklahoma who meet income eligibility limits and other requirements can receive free mammograms and cervical cancer screening through this program. If diagnosed with cancer through Oklahoma cares, a woman can receive full health insurance benefits through SoonerCare. Learn more about this Oklahoma health insurance for women here.
  • Oklahoma Medicare
    Seniors can find Oklahoma health insurance through Medicare Advantage, Medicare Supplement and Original Medicare.

Certain trade workers and early retirees in Oklahoma may also qualify for the Federal Health Coverage Tax Credit, which pays for a portion of health plan premiums. Find more information here.

Oklahoma Insurance Providers

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Blue Cross and Blue Shield of Oklahoma Health Insurance

As a non-profit insurance company, BCBS of Oklahoma provides a wide variety of health insurance plans with superior customer service.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Companion Life Insurance Company Health Insurance

Companion Life Insurance Company specializes in employee benefit plans in 45 states and the District of Columbia. It has been providing these services and coverage for the last 35 years, becoming a single source for affordable life, disability, accident, dental, vision, and other specialty insurance programs.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

Great American Health Insurance

Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.

Humana Health Insurance

Through affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Standard Security Life Health Insurance

The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

UnitedHealthOne Health Insurance

Golden Rule, a United Healthcare company, has been offering affordable health insurance solutions for more than 60 years.

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Important Contacts and Links

Oklahoma Department of Insurance and Department of Health

Find the contact information for the Oklahoma health insurance and health departments at:

Oklahoma Insurance Department
Mailing Address:
P.O. Box 53408
Oklahoma City, OK 73152-3408

Office Address:
2401 N.W. 23rd Street, Suite 28
Oklahoma City, OK 73107
Phone: (405) 521-2828

Oklahoma State Department of Health
1000 NE 10th
Oklahoma City, OK 73117
Phone: 1-800-522-0203