East Coast Health Insurance offers all major Oklahoma health insurance plans online, where you can click, compare and apply for any of our top rated Oklahoma health insurance companies including Aetna, Coventry One, Humana, and United Health One.
The Oklahoma health insurance market is pretty resoundingly fair when compared to other states. The state risk pool called the Oklahoma Health Insurance High Risk Pool (OHRP) is available to any Oklahoman that can demonstrate uninsurability.
How do you demonstrate uninsurability? I imagine that a dance contest would be off the table, but if you have been declined by two or more health insurance companies or have been quoted a final rate for an individual policy that is more than the Oklahoma high risk pool, you should be fine.
Additionally, if you receive a permanent rider excluding a condition or have any serious illness from cancer to HIV you will also qualify. The only downside is that there can be a 12 month preexisting clause when first enrolling in the pool. So don’t think you can go without insurance and get a policy at the last minute. This could literally kill you or your assets, which you would have to spend in order to qualify for special assistance like Medicaid. You can reach the OHRP at 800 933 7624 for more information, or if you think you qualify for Medicaid or SCHIP, call 800 987 7767.
Oklahoma Health Insurance Companies
There are multiple national health insurance providers in Oklahoma each offering up 30 plans for individuals which means when shopping for health coverage you will have to decide amongst well over 100 plans from Aetna, Celtic, Coventry One (a great company if you haven’t heard), Humana, and United Health One.
Aetna is a national health insurance company who though they can get a little pricey accepts everyone that is of reasonable health. No other company can claim this and this accounts for their higher rates. I always suggest Aetna to the younger Oklahoman’s and to anyone that takes a regular medication for any condition.
Aetna Oklahoma Brochure and Benefit Summary
I am a big fan of the Coventry One expansion as it heads into other states as their plans are always very benefit rich and they have made a practice of always getting great doctors and hospitals as they expand their company onto the national scene. And for you? Their plans in many demographics are often the price leader, meaning they offer the most health insurance for the least money.
Coventry One 2500 Deductible 80/20 Coinsurance
Coventry One Oklahoma 2000 Deductible 50% Coinsurance
Coventry One Oklahoma 2500 Deductible 0% Coinsurance
Coventry_One Oklahoma 3000 Deductible 80/20 Coinsurance
Oklahoma Coventry One Exclusions and Limitations
Humana One and United Health One are pretty much the same interchangeable company. Both of them are straight forward PPO’s with no frills and unless they are the price leader in your demographic (you can check by running an instant Oklahoma health insurance quote) you should usually consider other alternatives as they are usually the company that we end up having to switch people every year due to satisfaction and price/premium issues.
Again, if they are the price leader in your zip code and demographic they are usually reliable and United Health One particularly has a large national network and Humana One is gaining ground. Just don’t expect much help until you pass your calendar year deductible.
United Health One Oklahoma Health Insurance Benefit Summary
Humana One Portrait Share 80 Oklahoma Benefit Summary
Sample Oklahoma Health Insurance Quote
I am using a 32 year old male in Oklahoma City for this example, and to be fair I used a deductible of $2500 with a maximum out of pocket of $5000 at most. All plans include unlimited office visit copays and prescription coverage with no deductible applied to either.
The Aetna PPO 2500 came in at a whopping $156 but as we said that is because of their lax underwriting standards. The next highest was Celtic at $137 for their Basic PPO plan which provides decent benefits and 20 percent coinsurance after deductible.
The best plans are tied between the United Health One Copay Select plan which is a mere $108 per month and the Coventry One PPO $2500 plan for $108 also. That means that for this particular demographic the most health insurance for the least money in Oklahoma City comes from United Health One or Coventry One, which is the plan I would advise you to buy dependent on mitigating factors of course. These plans are somewhat similar in that they offer generics only for prescription drugs, though they still provide great benefits overall. Coventry One would have the upper hand in that their coinsurance is 20 percent as opposed to 30 with United for the same price.
Each of these numbers is variable based on your personal set of criteria including age, location, gender, and family size. The best thing to do is to run your own Oklahoma Health Insurance Quote right now and then call 888 803 5917 for assistance in picking a plan.
