Medicare Supplement

Which Medigap letters can Tulsa residents buy today?

If you have Original Medicare and live in Tulsa, a Medigap policy is the piece that helps pay some of the out-of-pocket costs Medicare leaves behind — things like coinsurance, copays and hospital deductibles. The policies themselves are standardized by the federal government, which means a Plan G in Tulsa covers the same benefits as a Plan G anywhere else in Oklahoma. What changes from company to company is the price and the customer service.

Here is a plain look at which Medigap plan letters an Oklahoma resident can buy today, how these policies work alongside Part B and a Part D drug plan, and where to compare them.

What Medigap does — and does not — do

Medigap sits next to Original Medicare. After Medicare pays its share of a covered service, your Medigap policy pays some or all of the leftover coinsurance, copay or deductible, depending on which lettered plan you chose.

A few things Medigap is not:

• It is not Medicare Advantage. You cannot have both a Medigap policy and a Medicare Advantage plan at the same time.
• It does not include prescription drug coverage. If you want drug coverage, you pair Medigap with a stand-alone Part D plan.
• It does not usually cover routine dental, vision, hearing aids or long-term care.

The plan letters available in Oklahoma

Oklahoma follows the federal Medigap standardization rules. (Massachusetts, Minnesota and Wisconsin standardize differently — Oklahoma does not.) For someone becoming eligible for Medicare today, these lettered plans are the options:

• Plan A
• Plan B
• Plan D
• Plan G
• Plan G High-Deductible
• Plan K
• Plan L
• Plan M
• Plan N

Plans C and F are still sold, but only to people who were eligible for Medicare before January 1, 2020. If that is you, you may still buy or keep those plans; if you became eligible later, they are off the menu.

Each letter covers a specific set of benefits set in federal law. That means a Plan N sold by one company in Tulsa covers the same medical benefits as a Plan N sold by any other company in Oklahoma. What can differ is the monthly premium, how the company sets rates as you age, and how it handles billing and customer service.

How Medigap fits with Part D

Medigap and Part D are two separate policies with two separate premiums. Most people with a Medigap plan also enroll in a stand-alone Part D drug plan through a private insurer.

A few 2026 Part D program figures worth knowing:

• The Part D annual out-of-pocket cap is $2,100.
• The maximum Part D deductible a plan can charge is $615.
• The old "donut hole" coverage gap is gone; Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread your yearly drug costs into monthly payments if you choose.
• Higher-income enrollees pay IRMAA surcharges; for a single filer in 2026, IRMAA begins above $109,000 in income.

You can change your Part D plan during the Annual Enrollment Period, October 15 through December 7.

The state rules that shape your choice

Federal law gives every Medicare beneficiary a Medigap open enrollment period: six months starting the month you are 65 or older and enrolled in Part B. During that window, insurers in Oklahoma must sell you any Medigap policy they offer at their best-available rate, regardless of your health history. This is the easiest time to buy.

Outside that window, an insurer can generally use medical underwriting to decide whether to sell you a policy and at what price — unless you have a federal guaranteed-issue right (for example, if certain other coverage ends involuntarily).

Some states add extra rights on top of federal law, such as annual "birthday rule" switching windows. Whether Oklahoma has any additional protections that apply to your situation is a question for the Oklahoma Insurance Department or Oklahoma's SHIP counselors, who provide free, unbiased Medicare help.

How to compare policies in Tulsa

Tulsa is in Tulsa County. Because Medigap benefits are standardized, comparing policies is really about comparing companies and their prices for the letter you want. Three tools do this well:

• The Medigap policy search on Medicare.gov, which lets you enter your Tulsa ZIP code and see the companies licensed to sell each lettered plan in your area.
• The Oklahoma Insurance Department's Medigap rate guide, which shows premiums insurers have filed with the state.
• Oklahoma's State Health Insurance Assistance Program (SHIP), which offers free counseling and can walk you through the choices without trying to sell you anything.

When you compare, look at more than the first-year premium. Ask how the company sets rates — whether premiums go up with age or based on the group of policyholders — and how often they have raised rates in the past.