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Individual Health Plans for Adults and
Children
Maybe you do not have a group health plan,
or you are between employers and desire coverage, or you are wondering if obtaining individual health coverage
for your children is less expensive than the dependent coverage
your employer offers—if you fit any of these categories,
individual health coverage may be a viable option for you!
Short Term Health
Plans
If you are between jobs and need temporary
coverage, or COBRA is too expensive, or you want to fill
the “63 day gap in coverage” to avoid having a pre-existing
condition exclusion until you are eligible for group health insurance,
Short Term Insurance may be one solution for you.
Short Term Insurance is a low cost
plan that provides you with catastrophic coverage during
the time when you do not have health coverage. You may choose
from a range of deductibles. Plans are age rated and don't
cover pre-existing conditions.
A short term solution to ensure continuous
coverage. If you are interested, contact us today.
Individual Health
Plans
Roger Hicks and Associates Group Insurance, Inc. offers individual health plans through respected and reliable insurers. The plans offer a range of deductible options, including low co-pays, and prescription coverage at very affordable rates. Some individual plans offer life insurance as well.
Blue Cross Blue Shield of Oklahoma offers a Health Check HSA which is a high deductible health care plan combined with a Health Savings Account—without belonging to an employer group. Individual plans for dental insurance are also available.
Who is a good candidate for individual health coverage? If you or your dependents are in good health and desire insurance coverage that is not dependant on your employer, you may want to check into individual health insurance. Due to different underwriting guidelines for individual health insurance, the insurer may decline to insure you or issue a rider (exclusions to your policy). Also, individual health insurance is not subject to the pre-existing conditions rule—meaning the insurer does not have to accept or cover any pre-existing conditions under individual health insurance.
If you believe you may qualify for individual health insurance and are interested in applying, contact us today.
Oklahoma High Risk
Pool
If you have tried everything else and are considered "high-risk"or "undesireable" due to health conditions, and are unable to obtain individual insurance, or your COBRA continuation is exhausted. If so, the Oklahoma High Risk Pool (OHRP) may be for you. The Oklahoma High Risk Pool insures the uninsurable or individuals who are considered ‘high risk' in Oklahoma .
This link will tell you more about this program to see if it is right for you http://www.oid.state.ok.us/consumer/hrp.html .
If you need assistance, please contact
us to see if the Oklahoma High Risk Pool will work for
you, or you may download the application here.
SoonerCare
SoonerCare is a program sponsored by the State of Oklahoma to assist the uninsured who cannot afford health insurance. Eligible persons include:
- Persons who are eligible for Medical Benefits because they are pregnant or are children under 19.
- Persons who are eligible for medical benefits because they are disabled.
However, the following persons are excluded from SoonerCare:
- Those who are institutionalized.
- Those who are eligible for Medicare.
- Those who are receiving services under a Home and Community-Based Waiver.
- Children in State or Tribal Custody
- Those who are enrolled in a private HMO
For more information, click on http://www.okdhs.org/medapp/soonercare.htm.
Oklahoma Medicaid
Oklahoma Health Care Authority
4545 N. Lincoln, Suite 124
Oklahoma City, OK 73105
405-522-7300
Administers Oklahoma's Medicaid Program.
Who to Call with Questions About Medicaid:
Medicaid Eligibility Questions
Call your DHS county office.
Sooner Care Helpline
800-987-7767
800-757-5979 TTY
General questions, enrollment information, benefits information
for CHOICE members.
Health Plan Member Services Numbers :
SoonerCare Plus members can call their plan numbers for
benefits information, billing problems, transportation for
medical services and with other questions.
BlueLincs: 800-580-6202 or 800-722-0353
TTY
Community Care: 800-900-2690 or 800-522-8506 TTY
Heartland: 800-492-7639 or 800-722-0353 TTY
Prime Advantage: 800-559-5532 or 888-541-3097 TTY
For any questions you may have, a dedicated associate is ready to help, simply contact us today.
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