Oklahoma Marketplace Health Insurance Plans
Qualified Plans on Health Insurance Marketplace
Beginning October 1, 2013, each state was required by law to have a new online marketplace where residents can buy health insurance. In these marketplaces, most states will offer five tiers of Obamacare Health Exchange Plans: platinum, gold, silver, bronze and catastrophic. Platinum plans will offer the highest level of coverage but tend to cost more in monthly premiums. Bronze plans will cover only a bare minimum of health care expenses but tend to have low premiums. If you are relatively healthy and want to pay less up front, consider a lower-tier plan such as bronze or silver.
You should also look at a Health Insurance Marketplace plan if you are lower-income, because the government will give financial help on a sliding scale to pay for premiums, and better benefits if you select a silver-tier plan. If you have not already done so, we can tell you if a Health Insurance Marketplace plan makes sense given your income on the State Overview tab, under the heading, "Do I Qualify For a Tax Break?"
Read ACA and Health Insurance: Which "Metal" Tier is Right for You? for more advice on choosing between metal tiers.
Aetna. Aetna, one of the largest U.S. insurance companies, has over 22 million medical members. Its network includes more than 1 million health care professionals and over 5,300 hospitals nationwide. Oklahoma residents who buy an Aetna exchange plan may not have access to the entire network of doctors and hospitals. Aetna offers PPO exchange plans in Catastrophic through Gold tiers.
Blue Cross and Blue Shield of Oklahoma. BCBSOK is affiliated with the Health Care Service Corporation, an independent licensee of the Blue Cross and Blue Shield Association, the oldest U.S. health insurance system. The Blue Cross and Blue Shield Association offers coverage in all 50 states, the District of Columbia and Puerto Rico and has 37 Blue Cross and Blue Shield companies that serve over 100 million members (one third of all Americans), according to the company. Nationally, Blue Cross and Blue Shield companies have contracts with over 96 percent of hospitals and 91 percent of providers. Blue Cross and Blue Shield of Oklahoma has over 700,000 members. Oklahoma residents who buy a Blue Cross and Blue Shield exchange plan may not have access to the entire network of doctors and hospitals. BCBSOK offers PPO exchange plans in Catastrophic through Gold tiers.
CommunityCare HMO. This health maintenance organization, one of Oklahoma’s largest health insurers, according to the company, is owned by two Tulsa-based health systems, Saint Francis and St. John. CommunityCare offers health maintenance organization (HMO) plans in every tier.
Coventry Health and Life. In 2012, Coventry was acquired by Aetna and is now a subsidiary of the company with more than 5 million members in all 50 states. Coventry offers PPO exchange plans in Catastrophic through Gold tiers.
Coventry Health Care of Kansas. A subsidiary of Coventry Health, Coventry Health Care of Kansas offers HMO and PoS exchange plans in Catastrophic through Gold tiers.
GlobalHealth. Established in 2003, GlobalHealth is a HMO serving the following counties: Adair, Canadian, Carter, Cherokee, Cleveland, Craig, Creek, Delaware, Garfield, Grady, Lincoln, Logan, Love, Mayes, McClain, McIntosh, Muskogee, Oklahoma, Okmulgee, Ottawa, Pontotoc, Pottawatomie, Rogers, Seminole, Sequoyah, Tulsa, Wagoner. A searchable, online directory of doctors and hospitals is available. GlobalHealth offers HMO exchange plans in Bronze through Platinum.
Last updated by Heilbrunn, Evi | December 5, 2013