Medicare Supplement Insurance (Medigap) helps Oklahoma seniors and eligible disabled residents cover healthcare expenses not fully paid by Original Medicare, including deductibles, copayments, and coinsurance. Oklahoma residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to beneficiaries who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Oklahoma
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 97,382 |
| 2 | G | 72,451 |
| 3 | N | 13,992 |
Did you know? Nearly 100,000 Oklahomans are enrolled in Plan F, making it the state’s most popular Medigap option by a wide margin. While Plan G is growing steadily, Oklahoma remains one of the states where Plan F still dominates enrollment.
How Medigap Pricing Works in Oklahoma
Premiums for Medigap coverage may rise differently depending on how insurers set rates. In Oklahoma, policies may use one of three rating methods:
- Attained-age rated – Premiums rise as you age.
- Issue-age rated – Premiums are based on your age at the time of purchase and may increase with inflation, not age.
- Community rated – All policyholders pay the same premium, regardless of age.
Under-65 Eligibility in Oklahoma
Oklahoma requires insurers to make at least one Medigap plan available to Medicare beneficiaries under 65 who qualify due to disability or end-stage renal disease (ESRD). This gives younger beneficiaries access to supplemental coverage, though premiums may differ from those charged to seniors.
Choosing a Medigap Plan in Oklahoma
Plan F continues to be the top Medigap choice in Oklahoma, though it is closed to new beneficiaries. Plan G is increasingly popular among new enrollees, while Plan N provides a lower-cost alternative with modest copayments. All Medigap policies are accepted nationwide by providers who take Medicare, ensuring reliable coverage whether Oklahomans receive care in Oklahoma City, Tulsa, or across the country.
To compare premiums and review Medigap plans available in your ZIP code, visit our Medigap rate comparison page.