Your Medicare Insurance Broker in Oklahoma
Turning 65 or losing employer coverage? We'll help you understand all your options and find the right plan — at no cost to you*.
Understanding Your Medicare Options.
Part A: Hospital Insurance
Part B: Medical Insurance
Part C: Medicare Advantage
Part D: Prescription Drug Plans
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health services. Most people pay no premium for Part A if they've worked and paid Medicare taxes for at least 10 years.
Covers doctor visits, outpatient care, preventive services, and durable medical equipment. Part B has a monthly premium, and most people enroll when they turn 65.
A private insurance alternative to Original Medicare that bundles Part A, Part B, and usually Part D into one plan. Often includes extra benefits like dental, vision, and hearing.
Standalone plans that help cover the cost of prescription medications. Typically added separately if you have Original Medicare or a Medigap supplement plan.
Medicare Supplement vs. Medicare Advantage — Which Is Right for You?
This is the most common question we get, and the honest answer is: it depends on your health, your budget, and how you like to use your coverage. Here's a quick side-by-side comparison to help.
Medicare Supplement (Medigap)
Medicare Advantage (Part C)
Works with
Original Medicare (Parts A & B)
Replaces Original Medicare
Monthly premium
Higher
Often $0 or very low
Provider networks
See any doctor who accepts Medicare
Usually a network of providers
Out-of-pocket costs
Very predictable
Varies by plan and usage
Extra benefits
Generally none
Often includes dental, vision, hearing
Best for
Frequent care, predictable costs
Healthy individuals, extra perks
Not sure which fits your situation? That's exactly what we're here for — and the consultation is free*.
When Can You Enroll?
Initial Enrollment Period (IEP)
A 7-month window that starts 3 months before your 65th birthday month, includes your birthday month, and extends 3 months after. This is the best time to enroll — waiting can result in permanent late penalties.
Annual Election Period (AEP)
October 15 – December 7 each year. This is when you can switch, add, or drop Medicare Advantage and Part D plans. Changes take effect January 1.
Special Enrollment Period (SEP)
Triggered by qualifying life events such as losing employer coverage, moving, or losing Medicaid eligibility. Allows you to make changes outside of normal enrollment windows.
Open Enrollment Period (OEP)
January 1 – March 31. If you're already enrolled in a Medicare Advantage plan, you can switch to a different Advantage plan or return to Original Medicare.
Meet Your AI Insurance Guide
Available 24/7 to answer your Medicare questions and get you started — no wait, no pressure.
Charlie and Everly are AI-powered guides. They'll answer your questions and connect you with a licensed agent for your free* consultation.