November 1βDecember 15 Enrollment
For Oklahoma residents using the federal Marketplace, Open Enrollment for 2027 coverage is scheduled for November 1 through December 15, 2026. Coverage selected during this period begins January 1, 2027.
Great Nation Insurance is an independent agency known for personal service, strong customer reviews, and extensive Medicare knowledge. We take time to explain your options clearly so you can make confident insurance decisions.
Tell us what type of insurance you would like help with.
Get clear answers, understand your options, and find the Medicare coverage that's right for you.
Let's find the right options for you.
Great Nation Insurance is committed to helping clients understand their insurance options and make confident decisions. Our team believes in personal service, clear explanations, and being available when our clients need help.
CONTACT OUR TEAMAetna β’ Humana β’ UnitedHealthcare β’ Cigna β’ Devoted β’ Community Care β’ Blue Cross Blue Shield β’ Mutual of Omaha β’ Physicians Mutual β’ Global Health β’ ManhattanLife β’ Mercury Insurance β’ GEICO β’ Progressive β’ Wellcare β’ Protective β’ Banner Life β’ GPM Life β’ LifeShield β’ and many more
Our clients often mention knowledgeable guidance, clear explanations, personal service, and help making Medicare decisions easier. Here are a few of the reviews currently featured by Great Nation Insurance.
Bryan Covalt
βDarren Chang was so pleasant to work with. He was very informative, personable yet very professional. He made what seemed to be an overwhelming task turn out to be quite doable.β
Carla Hafner
βDarren Chang was very professional and helpful in getting me set up with my Medicare Supplement and following up with me to make sure I got my Medicare part A and B set up in a timely manner and then finished up with my part D. Could not have asked for a better agent.β
Frank Macias
βGreat Nation insurance is the best Mr Chang did an awesome job helping us with our insurance I recommend great Nation insurance to all my friends and family thanks again for being there for us βΊοΈβ
Angela Alred
βDarren is the BEST!, so professional,, he will answers all ur questions anytime of day and explain the plan so detail and easy to underhand , i will recommand him to all my friends and family members , i wish i had contacted him way back i would had saved money, time and frustration.. thank you so very much from the bottom of my heart .β
Merry wong
βI saved over 1200.00 switching from Plan F to Plan G thanks to Darren Chang at Great Nation Insurance! The only difference in both plans was a deductible on Plan G which was under 200.00, and that was only paid once a year if I used my plan. I'm very happy with the savings!!β
Collin B
βGreat people and very knowledgeable They helped out my parents get their Medicare supplements and made the whole process very easy and smooth, highly recommended!β
Private Medicare plans that provide your Medicare Part A and Part B benefits and may include additional benefits.
Medicare Advantage, also called Part C, is an alternative way to receive your Medicare Part A and Part B benefits through a private insurance company approved by Medicare.
Many plans also include Part D prescription drug coverage and may offer extra benefits such as dental, vision, hearing, fitness programs, transportation, or over-the-counter allowances.
Important: Medicare Advantage plans often use provider networks and may have copays, coinsurance, prior authorization requirements, and an annual maximum out-of-pocket limit.
Helps pay certain out-of-pocket costs that Original Medicare does not fully cover.
Medicare Supplement Insurance, commonly called Medigap, works alongside Original Medicare to help pay some of the deductibles, copayments, and coinsurance that Medicare Part A and Part B leave behind.
Medigap plans are standardized by letter in most states, such as Plan G, Plan N, and others. Benefits for the same plan letter are generally standardized, although premiums can vary by insurance company.
Important: Medigap does not replace Original Medicare and generally does not include prescription drug coverage, so a separate Part D plan may be needed.
Prescription drug coverage that can help reduce what you pay for medications.
Medicare Part D provides prescription drug coverage through private insurance companies that contract with Medicare.
Each Part D plan has its own formulary, or list of covered medications, and may use tiers, deductibles, copays, coinsurance, preferred pharmacies, and other cost-sharing rules.
Important: The best Part D plan can depend heavily on the exact prescriptions you take and the pharmacy you use, so plans should be compared carefully each year.
Guidance for people becoming eligible for Medicare or reviewing their current coverage.
Most people first become eligible for Medicare around age 65, although some people qualify earlier due to disability or certain medical conditions.
Your Initial Enrollment Period generally surrounds your 65th birthday. Other enrollment periods may apply if you delayed Medicare because you had qualifying employer coverage, or if you want to change Medicare Advantage or Part D coverage.
Important: Enrollment timing matters because missing certain deadlines can result in coverage delays or late-enrollment penalties.
Medigap plans are standardized in most states. A checkmark means the plan covers 100% of that benefit; percentages show the portion the plan covers.
| 2026 Medigap benefit | A | B | C | D | F* | G* | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance & hospital costs (up to 365 additional days) | β | β | β | β | β | β | β | β | β | β |
| Part B coinsurance or copayment | β | β | β | β | β | β | 50% | 75% | β | β*** |
| Blood (first 3 pints) | β | β | β | β | β | β | 50% | 75% | β | β |
| Part A hospice care coinsurance or copayment | β | β | β | β | β | β | 50% | 75% | β | β |
| Skilled nursing facility care coinsurance | β | β | β | β | β | β | 50% | 75% | β | β |
| Part A deductible | β | β | β | β | β | β | 50% | 75% | 50% | β |
| Part B deductible | β | β | β | β | β | β | β | β | β | β |
| Part B excess charges | β | β | β | β | β | β | β | β | β | β |
| Foreign travel emergency (up to plan limits) | β | β | 80% | 80% | 80% | 80% | β | β | 80% | 80% |
| 2026 out-of-pocket limit | N/A | N/A | N/A | N/A | N/A | N/A | $8,000 | $4,000 | N/A | N/A |
* High-deductible Plans F and G: In states where offered, the 2026 deductible is $2,950 before the policy begins paying covered costs.
Plans C and F eligibility: These plans generally aren't available to people who were new to Medicare on or after January 1, 2020. People eligible for Medicare before that date may still be able to buy them.
** Plans K and L: After you meet the plan's annual out-of-pocket limit and the annual Part B deductible, the Medigap policy pays 100% of covered services for the rest of the calendar year.
*** Plan N: Pays 100% of Part B coinsurance except for copayments of up to $20 for some office visits and up to $50 for certain emergency-room visits that don't result in an inpatient admission.
Source: Medicare.gov / CMS, 2026 Medigap standardized plan benefits. Benefits shown are standardized in most states; Massachusetts, Minnesota, and Wisconsin standardize Medigap differently.
IRMAA (Income-Related Monthly Adjustment Amount) is an additional Medicare charge that may apply when your modified adjusted gross income is above certain levels. The 2026 amounts below are based on the official CMS 2026 Medicare premium figures.
The standard Medicare Part B premium is $202.90 per month in 2026. Higher-income beneficiaries may pay an additional IRMAA amount.
| Individual MAGI | Joint MAGI | Part B IRMAA | Total Part B Monthly Premium |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $0.00 | $202.90 |
| Over $109,000β$137,000 | Over $218,000β$274,000 | $81.20 | $284.10 |
| Over $137,000β$171,000 | Over $274,000β$342,000 | $202.90 | $405.80 |
| Over $171,000β$205,000 | Over $342,000β$410,000 | $324.60 | $527.50 |
| Over $205,000βunder $500,000 | Over $410,000βunder $750,000 | $446.30 | $649.20 |
| $500,000 or more | $750,000 or more | $487.00 | $689.90 |
Part D plan premiums vary by plan. If IRMAA applies, the amount below is paid in addition to the premium charged by the Part D plan.
| Individual MAGI | Joint MAGI | Part D Monthly IRMAA |
|---|---|---|
| $109,000 or less | $218,000 or less | $0.00 |
| Over $109,000β$137,000 | Over $218,000β$274,000 | $14.50 |
| Over $137,000β$171,000 | Over $274,000β$342,000 | $37.50 |
| Over $171,000β$205,000 | Over $342,000β$410,000 | $60.40 |
| Over $205,000βunder $500,000 | Over $410,000βunder $750,000 | $83.30 |
| $500,000 or more | $750,000 or more | $91.00 |
Marketplace rules, plan designs, premiums, provider networks, and prescription coverage can change each year. Review your options carefully, even if you already have ACA coverage.
For Oklahoma residents using the federal Marketplace, Open Enrollment for 2027 coverage is scheduled for November 1 through December 15, 2026. Coverage selected during this period begins January 1, 2027.
The federal maximum for covered, in-network essential health benefits is $12,000 for self-only coverage and $24,000 for other-than-self-only coverage. Many plans have lower limits, and eligible Silver-plan enrollees may qualify for additional cost-sharing reductions.
Plan designs may vary more in 2027. Compare the deductible, copays, maximum out-of-pocket amount, provider network, prescription formulary, pharmacy network, and coverage rulesβnot only the monthly premium.
Marketplace financial assistance is based on eligibility information and projected annual household income. Report meaningful income or household changes promptly because they can affect monthly assistance and federal tax-credit reconciliation.
Official resources: HealthCare.gov enrollment dates and CMS 2027 cost-sharing guidance. Plan availability, premiums, benefits, and financial assistance vary by applicant and service area.
The Affordable Care Act (ACA) established a health insurance marketplace where individuals and families can compare private major medical health plans. ACA-compliant plans include important consumer protections and cover a broad range of health care services.
You can compare plans available in your area based on monthly premium, deductible, provider network, prescription coverage, and other benefits. Depending on household income and eligibility, financial assistance may be available to help lower the cost of coverage.
Medical expenses can become significant very quickly. Health insurance can help reduce the financial impact of doctor visits, prescription drugs, emergency care, hospital stays, surgeries, and other covered services. It can also make preventive care and routine treatment easier to access.
When people talk about an ACA βsubsidy,β they usually mean the Premium Tax Credit. If you qualify, this tax credit can lower the monthly premium you pay for a Marketplace health plan. Eligibility and the amount of assistance are based on information such as your expected annual household income, household size, and other eligibility factors.
Hereβs the basic idea: you estimate your household income for the coverage year when you apply. The Marketplace determines whether you qualify for a premium tax credit and how much. You can generally choose to use all, some, or none of the estimated credit in advance. If you use it in advance, it is paid directly to the insurance company and your monthly premium is reduced.
Your income estimate matters. Marketplace savings are based on your expected income for the year you are getting coverage. If your income or household changes during the year, it is important to update your Marketplace application because the amount of financial assistance you qualify for may change.
What happens at tax time? Advance premium tax credits are reconciled when you file your federal income tax return. The amount used during the year is compared with the amount you actually qualified for based on your final household income and family size. If you used more credit than you ultimately qualified for, you may have to repay some or all of the difference. If you used less than you qualified for, the difference may increase your tax refund or reduce the amount of tax you owe.
There may be another type of savings, too. Some eligible households can qualify for cost-sharing reductions, which can lower deductibles, copayments, coinsurance, and the out-of-pocket maximum. These additional savings are available only when an eligible person enrolls in a Silver Marketplace plan.
Important: subsidy eligibility and amounts vary by household and can change from year to year. Great Nation Insurance can help you review your Marketplace options and understand how estimated income and household information may affect your health insurance costs.
Need help comparing your options? Great Nation Insurance can help explain available ACA plans, premiums, deductibles, provider networks, and enrollment options so you can make a more informed decision.
Tell us a little about the coverage you need.
Auto insurance is more than meeting a state requirement. The right policy can help protect you, your passengers, your vehicle, and your finances after an accident, theft, weather event, or other covered loss.
We need vehicle and driver details to quote accurately. This form gathers the basics so your agent can start with useful information.
Available for Oklahoma drivers. Tell us about the driver and vehicle.
Your policy can be built from several different coverages. Here is what the most common options generally do and why they may matter.
What it covers: Bodily injury and property damage you are legally responsible for causing to other people in a covered accident, subject to your policy limits.
Why you may need it: It can help protect your finances when you are at fault, and Oklahoma drivers are generally required to carry minimum liability insurance.
What it covers: Damage to your own covered vehicle from a collision with another vehicle or object, generally after your deductible.
Why you may need it: Liability insurance does not pay to repair your own car after an at-fault collision. Lenders or lessors may also require collision coverage.
What it covers: Certain non-collision losses to your covered vehicle, such as theft, hail, fire, vandalism, falling objects, or animal strikes, subject to policy terms and deductible.
Why you may need it: It helps protect the value of your vehicle from losses that have nothing to do with a traffic collision.
What it covers: Depending on the coverage selected and applicable law, it can help with covered losses when an at-fault driver has no insurance or not enough insurance.
Why you may need it: Another driver may cause an accident but lack enough insurance to pay for the injuries or losses they caused.
What it covers: Covered medical or funeral expenses for you and, depending on the policy, passengers after an auto accident, regardless of fault, up to the selected limit.
Why you may need it: It may help with immediate accident-related medical expenses that your health insurance does not fully cover.
What it covers: A specified amount toward a temporary rental vehicle when your covered auto is being repaired after a qualifying covered loss.
Why you may need it: It can reduce the cost of staying mobile while your vehicle is unavailable.
What it covers: Depending on the policy, services may include towing, battery jump-starts, flat-tire assistance, lockout help, or fuel delivery.
Why you may need it: It provides convenient help when your vehicle becomes disabled away from home.
Coverage, limits, deductibles, exclusions, and availability vary by insurer and policy. Your policy contract controls the actual coverage.
Homeowners insurance can help protect your house, personal belongings, liability exposure, and additional living expenses after a covered loss. We can also look for opportunities to bundle your home and auto coverage.
Property details matter. These questions give us a better starting point for an accurate home insurance conversation.
Available for Oklahoma properties. Tell us about the property you want to protect.
A homeowners policy usually combines several types of protection. Here is what common coverages generally do and why they may matter.
What it covers: The structure of your home when it is damaged by a covered cause of loss, subject to policy terms and limits.
Why you may need it: Rebuilding or repairing a home after a major covered loss can be extremely expensive, and mortgage lenders generally require property insurance.
What it covers: Covered detached structures on your property, such as a detached garage, fence, shed, or gazebo.
Why you may need it: These structures can also be damaged by storms, fire, and other covered losses even though they are not part of the main house.
What it covers: Your covered belongingsβsuch as furniture, clothing, appliances, and electronicsβwhen damaged, destroyed, or stolen by a covered cause of loss.
Why you may need it: Replacing the contents of a home all at once can create a substantial financial burden.
What it covers: Certain legal liability claims if you or a covered household member unintentionally injures someone or damages their property, subject to policy terms.
Why you may need it: A serious injury or liability claim can result in significant legal defense costs or damages.
What it covers: Certain smaller medical expenses if a guest is accidentally injured on your property, generally without requiring a determination of legal liability.
Why you may need it: It can help address minor guest injuries before they develop into larger disputes.
What it covers: Certain additional costs of living elsewhere when a covered loss makes your home uninhabitable, subject to limits and policy terms.
Why you may need it: Hotel bills, temporary housing, and increased living costs can add up quickly while a home is repaired.
What it covers: Water backup coverage is typically an optional endorsement that may help pay for covered damage when water or sewage backs up through a drain or sewer, or when a sump pump overflows or fails, subject to the policy's terms, limits, deductible, and exclusions.
Why you may need it: A sewer or drain backup can damage flooring, walls, furniture, appliances, and other belongings, and cleanup can be expensive. Standard homeowners policies may exclude or limit this type of loss unless water backup coverage is specifically added.
Important distinction: Water backup coverage is not the same as flood insurance. It generally does not cover rising surface water or other flooding that requires a separate flood policy.
What they cover: Endorsements can modify or add protection for needs not fully addressed by a standard policy, depending on the insurerβfor example, certain valuables, equipment breakdown, water backup, or other exposures.
Why you may need them: Standard homeowners policies have limitations and exclusions, so additional protection may be appropriate for your property and belongings.
Important: Standard homeowners insurance generally does not cover flood damage, and earthquake coverage is also typically separate or specially endorsed. Coverage varies by insurer. Your policy contract controls the actual coverage.
Great Nation Insurance can also help you explore supplemental coverage designed to help with expenses that major medical or Medicare coverage may not fully address. Availability and benefits vary by carrier and state.
Dental insurance can help you stay on top of routine oral health care while giving you added financial protection when more extensive dental work is needed. Depending on the plan, benefits may be available for preventive, basic, and major services.
Why consider it? Regular dental care can become expensive without coverage, especially when an unexpected procedure is needed. The right plan can help you budget for care and encourage preventive visits before small dental problems become larger ones.
ASK ABOUT DENTAL COVERAGECancer insurance is supplemental coverage designed to provide additional financial support following a covered cancer diagnosis. Benefits can help you handle costs and everyday financial pressures that may continue while you are receiving treatment.
Why consider it? Health insurance may cover much of the medical treatment, but a cancer diagnosis can create additional expenses and financial strain. Cancer coverage can help provide an extra financial cushion, subject to the policy's covered conditions and benefits.
ASK ABOUT CANCER COVERAGEHospital indemnity insurance is supplemental coverage that can pay fixed benefits for covered hospital admissions, stays, or other specified services. It can help provide extra financial protection when a hospitalization creates costs beyond what your primary health coverage pays.
Why consider it? Even with health insurance, a hospital stay can leave you responsible for significant out-of-pocket costs. Hospital indemnity coverage can provide an additional layer of financial protection when you need it most.
ASK ABOUT HOSPITAL COVERAGEProduct availability, eligibility, benefit amounts, limitations, and exclusions vary by carrier and state. A licensed agent can review available options with you.
Great Nation Insurance is proud of the feedback our clients have shared. Read featured customer experiences below, or visit our verified Google Business listing to browse the complete collection of Google Reviews.
βDarren Chang was so pleasant to work with. He was very informative, personable yet very professional. He made what seemed to be an overwhelming task turn out to be quite doable.β
βDarren Chang was very professional and helpful in getting me set up with my Medicare Supplement and following up with me to make sure I got my Medicare part A and B set up in a timely manner and then finished up with my part D. Could not have asked for a better agent.β
βGreat Nation insurance is the best Mr Chang did an awesome job helping us with our insurance I recommend great Nation insurance to all my friends and family thanks again for being there for us βΊοΈβ
βDarren is the BEST!, so professional,, he will answers all ur questions anytime of day and explain the plan so detail and easy to underhand , i will recommand him to all my friends and family members , i wish i had contacted him way back i would had saved money, time and frustration.. thank you so very much from the bottom of my heart .β
βI saved over 1200.00 switching from Plan F to Plan G thanks to Darren Chang at Great Nation Insurance! The only difference in both plans was a deductible on Plan G which was under 200.00, and that was only paid once a year if I used my plan. I'm very happy with the savings!!β
βGreat people and very knowledgeable They helped out my parents get their Medicare supplements and made the whole process very easy and smooth, highly recommended!β
Watch real customer testimonials and hear about their experience working with Great Nation Insurance.
Open Great Nation Insurance on Google to see the complete, current collection of customer reviews directly from Google.
When you contact Great Nation Insurance, you are working with a team committed to personal service, clear explanations, and helping you understand your insurance options.
Have a question or need help with your coverage? Give us a call or request a consultation and a member of our team will be happy to assist you.
CALL (918) 895-2000Speak with a local licensed insurance professional today.
Helpful insurance videos, Medicare updates, coverage tips, and answers to common questions from Great Nation Insurance.
Upload a video below to preview how new vlog posts will appear on the website.
We can help you compare Affordable Care Act Marketplace plan options, understand available premium assistance, provider networks, prescription coverage, deductibles and out-of-pocket costs.
GET ACA HEALTH INSURANCE HELPHi! I can help you find the right place to start. Tap below to hear a short welcome message, or choose the type of insurance you want to learn about.
This is a website concierge, not a licensed insurance recommendation. A licensed agent can review coverage options with you.