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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.
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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
“Darren 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.”
Carla Hafner
“Darren 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.”
Frank Macias
“Great 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 ☺️”
Angela Alred
“Darren 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 .”
Merry wong
“I 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!!”
Collin B
“Great people and very knowledgeable They helped out my parents get their Medicare supplements and made the whole process very easy and smooth, highly recommended!”
Licensed Independent Broker and Medicare Specialist
Medicare can feel complicated. Darren Chang helps make it easier to understand, offering clear explanations and personal guidance as a licensed independent insurance broker with Great Nation Insurance.
Licensed since 2004, Darren built his insurance experience helping clients with auto, homeowners, and health insurance before beginning his Medicare specialization in 2017. Today, he helps clients understand Medicare Supplement, Medicare Advantage, prescription drug coverage, and important enrollment considerations.
Darren’s client-focused work has contributed to Great Nation Insurance’s recognition by BusinessRate as Best Insurance Broker for 2025 and 2026. His approach centers on listening, answering questions, and helping clients compare coverage based on their needs and budget.
Based in Tulsa, Darren assists clients throughout Oklahoma and other states where licensed. Whether you’re turning 65, preparing to retire, or reviewing your coverage, he can help you move forward with greater confidence.
TALK WITH DARREN · (918) 398-0104Original Medicare is the federal health insurance program made up of Part A (Hospital Insurance) and Part B (Medical Insurance). Part C (Medicare Advantage) is a private-plan alternative for receiving Part A and Part B benefits, while Part D provides prescription drug coverage through private plans.
What it helps cover: Inpatient hospital care, skilled nursing facility care, hospice care, inpatient rehabilitation, and some home health care.
2026 premium: $0 per month for most people who have enough Medicare-covered work history (generally at least 40 quarters/10 years). If you do not qualify for premium-free Part A, the 2026 premium may be $311 or $565 per month, depending on work history.
2026 inpatient hospital deductible: $1,736 per benefit period. After the deductible, hospital coinsurance is $0 for days 1–60, $434 per day for days 61–90, and $868 per lifetime reserve day for days 91–150. Other cost-sharing rules may apply.
What it helps cover: Doctor and other health care provider services, outpatient care, durable medical equipment, certain home health services, preventive services, and other medically necessary services covered by Medicare.
2026 standard premium: $202.90 per month. Some beneficiaries pay more because of income. Refer to the IRMAA charts below.
2026 annual deductible: $283. After the deductible, you generally pay 20% of the Medicare-approved amount for many Part B-covered services when the provider accepts assignment.
What it is: Medicare Advantage is another way to receive your Medicare Part A and Part B benefits through a private insurance company approved by Medicare. You must have both Part A and Part B to enroll and generally continue paying your Part B premium.
What it may include: Many plans include Part D prescription drug coverage and may offer additional benefits such as dental, vision, hearing, fitness, transportation, or over-the-counter allowances.
Important: Premiums, provider networks, copays, coinsurance, prior authorization requirements, benefits, and maximum out-of-pocket limits vary by plan and service area.
What it helps cover: Prescription medications through a standalone Medicare drug plan or through a Medicare Advantage plan that includes drug coverage.
How plans differ: Each plan has its own covered-drug list, pharmacy network, premiums, deductible, copays, coinsurance, and coverage rules. Costs can depend on the medications you take and the pharmacy you use.
2026 out-of-pocket limit: After your out-of-pocket spending on covered Part D drugs reaches $2,100 in 2026, you enter catastrophic coverage and pay $0 for covered Part D drugs for the rest of the calendar year. Plan premiums and medications not covered by your plan do not count toward this limit.
Important: A late-enrollment penalty may apply if you go without Part D or other creditable prescription drug coverage for 63 consecutive days or more after your Initial Enrollment Period.
Medicare is generally available to people age 65 or older, certain younger people with qualifying disabilities, and people with End-Stage Renal Disease (ESRD). Special rules also apply for people with ALS and certain other circumstances.
Some people are automatically enrolled in Part A and Part B, while others need to sign up. If you are still working or covered through an employer plan when you become eligible, the timing of Part B enrollment can be especially important.
Waiting to enroll when you are first eligible can result in late-enrollment penalties unless you qualify for a Special Enrollment Period. For Part B, the late-enrollment penalty is generally an additional 10% of the standard premium for each full 12-month period you could have had Part B but did not enroll, and the penalty may continue for as long as you have Part B.
Original Medicare has deductibles and coinsurance and generally has no annual out-of-pocket maximum. Many beneficiaries consider a Medicare Supplement (Medigap) policy, Medicare Advantage plan, and/or prescription drug coverage depending on their needs and eligibility.
2026 information: Medicare premiums, deductibles, coinsurance, eligibility rules, and plan benefits can change. Costs shown above are 2026 federal Medicare amounts. Individual costs and eligibility can vary. Great Nation Insurance is not connected with or endorsed by the United States government or the federal Medicare program.
Yes. Some people qualify for both Medicare and Medicaid. Eligibility and the help available depend on income, resources, household circumstances and Oklahoma program rules.
Medicare is federal health coverage generally based on age, disability or certain medical conditions. Medicaid is jointly funded by federal and state governments and provides coverage to people who meet applicable financial and other eligibility requirements. A person who qualifies for both is often called dual eligible.
OKLAHOMA SOONERCARE SUPPLEMENTALDepending on eligibility, an Oklahoma Medicare Savings Program—also called SoonerCare Supplemental—may help pay the Medicare Part B premium and, in some categories, other Medicare cost sharing such as deductibles and coinsurance. People should apply even if they are unsure whether they qualify.
MEDICARE SAVINGS PROGRAMSPeople who qualify for Medicaid or certain Medicare Savings Programs may automatically qualify for Extra Help with Medicare Part D prescription costs. Some dual-eligible beneficiaries may also qualify for a Dual-Eligible Special Needs Plan (D-SNP), where available. Networks, prescriptions, benefits and eligibility should be reviewed carefully.
PART D EXTRA HELPProgram limits and eligibility rules can change. Great Nation Insurance does not determine Medicaid, Medicare Savings Program or Extra Help eligibility. Applications and final eligibility decisions are handled by the appropriate government agency.
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 $109,000–$137,000 | Over $218,000–$274,000 | $81.20 | $284.10 |
| Over $137,000–$171,000 | Over $274,000–$342,000 | $202.90 | $405.80 |
| Over $171,000–$205,000 | Over $342,000–$410,000 | $324.60 | $527.50 |
| Over $205,000–under $500,000 | Over $410,000–under $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 $109,000–$137,000 | Over $218,000–$274,000 | $14.50 |
| Over $137,000–$171,000 | Over $274,000–$342,000 | $37.50 |
| Over $171,000–$205,000 | Over $342,000–$410,000 | $60.40 |
| Over $205,000–under $500,000 | Over $410,000–under $750,000 | $83.30 |
| $500,000 or more | $750,000 or more | $91.00 |
If you need to sign up for Medicare Part A and/or Part B, choose the option that is easiest for you.
Some people are enrolled automatically. Social Security can confirm whether you need to apply and which enrollment method fits your situation.
Medicare uses different enrollment periods for signing up for Part A and Part B and for joining or changing Medicare Advantage and Part D plans. Knowing which period applies can help you avoid coverage delays and possible late-enrollment penalties.
For most people, this period begins three months before the month they turn 65, includes their birthday month, and continues for three months afterward. Different timing can apply when a birthday falls on the first day of a month.
This period may be available if you did not enroll in Part A or Part B when first eligible and do not qualify for a Special Enrollment Period. Coverage generally starts the month after you sign up, and late-enrollment penalties may apply.
People covered by qualifying current-employment group health coverage may be able to delay Part B and enroll while that coverage continues or during an eight-month period after the employment or coverage ends, whichever happens first. COBRA does not extend this Part B deadline.
Your opportunity to join a Medicare Advantage or Part D plan is generally connected to when you first become eligible for Medicare. Medicare Advantage enrollment requires both Part A and Part B.
You can join, drop, or switch Medicare Advantage or Part D coverage and may change between Original Medicare and Medicare Advantage. Changes generally take effect January 1 of the following year.
If you are already enrolled in Medicare Advantage, you can generally switch to another Medicare Advantage plan or return to Original Medicare and, when applicable, join a separate Part D plan. This period does not allow someone with Original Medicare to join Medicare Advantage.
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.
A C-SNP is a type of Medicare Advantage Special Needs Plan designed for people with certain severe or disabling chronic conditions. These plans may coordinate care and tailor their provider networks, covered-drug lists, and benefits to the needs of the members they serve.
Eligibility and availability: You must have a qualifying condition served by the plan and meet the plan's other enrollment requirements. Available C-SNPs vary by chronic condition and county, so it is important to confirm that your doctors, hospitals, and prescriptions are covered before enrolling.
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) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓*** |
| Blood (first 3 pints) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A hospice care coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Skilled nursing facility care coinsurance | — | — | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A deductible | — | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ |
| Part B deductible | — | — | ✓ | — | ✓ | — | — | — | — | — |
| Part B excess charges | — | — | — | — | ✓ | ✓ | — | — | — | — |
| Foreign travel emergency (up to plan limits) | — | — | 80% | 80% | 80% | 80% | — | — | 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.
Already have a Medicare Supplement plan? Your birthday may give you another opportunity to compare.
Oklahoma's Medicare Supplement “Birthday Rule” gives eligible people who are currently enrolled in a Medicare Supplement policy an annual opportunity to apply for another Medicare Supplement policy with equal or lesser benefits without medical underwriting. Insurers must provide at least a 60-calendar-day open enrollment period beginning on the policyholder's birthday.
This can be helpful if your Medicare Supplement premium has increased and you want to compare available options. Depending on your current plan, you may be able to move to an eligible plan with the same or a different insurance company.
Important: The Oklahoma Birthday Rule applies to Medicare Supplement (Medigap) policies, not Medicare Advantage plans. Eligibility and available replacement plans depend on your current coverage and the Oklahoma rules.
Source: Oklahoma Insurance Department, OAC 365:10-5-129(f).
Life insurance can help replace income, pay off a mortgage or other debts, cover final expenses, and give your family financial stability. We can help compare term and permanent coverage options based on your goals and budget.
Start with a few details below. We’ll use them to prepare a more relevant conversation instead of asking you to fill out a generic contact form.
Tell us what you’re looking to protect.
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 belongings—such as furniture, clothing, appliances, and electronics—when 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 insurer—for 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.
“Darren 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.”
“Darren 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.”
“Great 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 ☺️”
“Darren 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 .”
“I 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!!”
“Great people and very knowledgeable They helped out my parents get their Medicare supplements and made the whole process very easy and smooth, highly recommended!”
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.
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Clear answers to common questions from people who are turning 65, new to Medicare, or reviewing their current Medicare coverage.
Great Nation Insurance provides personal Medicare guidance from its Tulsa, Oklahoma office. We help clients understand Medicare choices, compare the options we offer, and work through questions about enrollment and coverage.
It is smart to begin learning about Medicare before your 65th birthday. For most people who become eligible at 65, the Initial Enrollment Period lasts seven months: the three months before the month you turn 65, your birthday month, and the three months after it.
Not everyone is enrolled the same way. Some people receiving Social Security benefits before age 65 are automatically enrolled in Medicare Part A and Part B, while others need to sign up. Your situation determines what action you need to take.
Original Medicare includes Part A and Part B and is administered by the federal government. Medicare Advantage plans are offered by private insurance companies approved by Medicare and provide Part A and Part B benefits, often with additional plan features. Costs, networks and benefits can differ by plan.
Medicare Supplement insurance, also called Medigap, works with Original Medicare and can help pay certain out-of-pocket costs. Available plans and premiums vary, so comparing coverage carefully is important.
Yes. We can explain the Medicare plans and insurance products we offer and help you compare them based on your needs. We do not offer every plan available in every area, so Medicare.gov and 1-800-MEDICARE are also available for information about all of your options.
Your Medicare enrollment timing may depend on your current employer coverage and individual circumstances. Before delaying Part B, it is important to understand whether your existing coverage qualifies you for a Special Enrollment Period and how Medicare coordinates with that coverage.
Yes. Starting early gives you time to understand Medicare Parts A and B, prescription drug coverage, Medicare Advantage and Medicare Supplement options before important enrollment decisions need to be made.
No. Great Nation Insurance is based in Tulsa and provides Medicare and life insurance assistance in Oklahoma and in other states where properly licensed. Auto and homeowners insurance assistance is focused on Oklahoma.
Call Great Nation Insurance at (918) 895-2000 or use the Medicare consultation form on this website to request personal assistance.
See our Turning 65 Medicare guide for enrollment timing, coverage choices, common questions, and personal help from Great Nation Insurance.
Visit our dedicated Tulsa Medicare Supplement guide to learn about Medigap, Plan G, Plan N, enrollment timing and carrier comparisons.
MEDICARE SUPPLEMENT HELPVisit our Tulsa Medicare Advantage guide to learn about plan networks, costs, prescription drug coverage, benefits and enrollment periods.
MEDICARE ADVANTAGE HELPLearn what to ask about Medicare Part B, employer coverage, Special Enrollment Periods and planning for retirement.
MEDICARE & EMPLOYER COVERAGE HELPSee our Oklahoma Medicare Enrollment guide for Part A and Part B timing, enrollment periods, working past 65 and coverage choices.
MEDICARE ENROLLMENT HELPQuick answers to questions people commonly ask Great Nation Insurance. Coverage, eligibility and policy terms vary; the applicable plan or insurance contract controls.
Your Initial Enrollment Period generally lasts 7 months: the 3 months before the month you turn 65, your birthday month, and the 3 months after. Different timing can apply if your birthday is on the first day of a month or if you have qualifying job-based coverage.
You may be able to delay Part B without a late-enrollment penalty if you or your spouse are actively working and you have qualifying employer group health coverage. When employment or that coverage ends, an 8-month Special Enrollment Period may apply. COBRA does not extend that Part B enrollment window.
Original Medicare is Part A and Part B provided through the federal Medicare program. Medicare Advantage is offered by private insurers approved by Medicare and provides Part A and Part B benefits through the plan; network, cost-sharing and additional benefits vary by plan.
Yes. You generally must have both Medicare Part A and Part B to join a Medicare Advantage plan.
See all 77 Oklahoma counties and request Medicare assistance based on where you live.
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