Oklahoma


 

About Health Insurance in Oklahoma

Through East Coast Health Insurance, you can get coverage from one of the premier health insurance companies available in Oklahoma. We offer the services of Aetna, Coventry One, Humana, and United Health One.

Statistics

  • Total Population: 3,634,500
  • Total Uninsured Population: 638,500 (16%)
  • Typical Cost of Inpatient Hospital Visit Per Day: $1,499

Information provided by Kaiser Family Foundation, 2010.

Choosing a Plan in Oklahoma

East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above, or if you have any questions you can speak with one of our Oklahoma experts over the phone at 888-803-5917.

 Other Options in Oklahoma

  • Health Insurance High Risk Pool (HIHRP) is a program available for those who do not qualify for insurance. For further questions, call 800-933-7624
  • Medicaid SCHIP: 800-522-0310

 

Oklahoma Health Insurance Market & Laws

Oklahoma’s regulations on health insurance are less protective of the consumer than other states, so it is important to know the few rights you do have as a resident with health insurance.

An important law that does work in your favor is guaranteed renewability, which protects the consumer from losing their policy at the end of a term. As long as you have not violated your policy terms, missed any premium payments, or had any lapses in coverage, your insurer must renew the same plan you had previously.

In Oklahoma, pre-existing condition laws are fairly lenient, to the benefit of insurance companies. Pre-existing conditions are not defined in the state of Oklahoma, therefore there is no limit on exclusion periods. Because the insurer can decide what a pre-existing condition entails, they can also choose the length of an exclusion period for what they consider an illness for which they do not wish to provide coverage.

An exclusion period becomes permanent when the insurer attaches what is called an elimination rider to your plan. This means you will always have to pay for medical care out-of-pocket for that illness.

HMOs in Oklahoma are not permitted to exclude a pre-existing condition. Therefore, if you have such an illness, it would be beneficial to look for an HMO plan.

Insurance companies in Oklahoma have many liberties with what they can decide in terms of costs and eligibility for coverage. In order to not get overcharged or not get the medical coverage you need, it is necessary to understand what the insurance companies are allowed to do and how you can be proactive.

For one, making lifestyle changes to ensure you are maintaining your health is always a safe plan of action when applying for health insurance. Laws in Oklahoma allow health insurers to set your premium cost according to your health and age, as well as being able to deny you insurance altogether.

Coverage

For individuals who live in Oklahoma, health insurance is required to cover the following medical expenses:

  • Breast, cervical, colorectal, ovarian, and prostate cancer screenings
  • Maternity care
  • Immunizations for children

For more information on covered services and other questions regarding Oklahoma health insurance laws, visit the Oklahoma Insurance Department site.

 

Sources:

1. Kaiser Family Foundation, “Oklahoma – State Health Facts”. www.statehealthfacts.org

2. Health Insurance In-Depth, “Oklahoma Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Oklahoma.html