Oklahoma Insurance Department
The Oklahoma Insurance Department is responsible for regulating all types of insurance sold in the state of Oklahoma -- including health insurance policies.
If you are looking for health insurance coverage, the Insurance Department can help you find an insurance agent or insurance company that is licensed to do business in Oklahoma. You can also check if your insurance agent is licensed.
If you are having trouble resolving a claims dispute with your insurer, you can file a complaint with the Insurance Department. Find out more about the consumer complaint process, and then download a complaint form when you are ready.
Oklahoma Insurance Department
2401 N.W. 23rd Street, Suite 28
Oklahoma City, OK 73107
Phone: 405-521-2828 or 800-522-0071
U.S. Department of Labor
If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees -- for example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job. The EBSA works to make sure that all of this happens and your rights are protected.
If you have concerns about your employer's practices in administering your job-based health coverage -- for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan -- contact your regional EBSA office.
U.S. Department of Labor Employee Benefits Security Administration
Dallas Regional Office
525 South Griffin Street, Room 900
Dallas, TX 75202-5025
Roger Hilburn - Director
Phone: 972-850-4500
Fax: 214-767-1055
Buying Individual Policies in Oklahoma
As a general rule, insurers in Oklahoma are allowed to reject your application for coverage based on your health status. However, you may qualify for coverage as a "HIPAA-eligible" individual if you:
- had at least 18 months of continuous creditable coverage, the last day of which was under a group plan AND
- you have exhausted all COBRA continuation coverage which was available to you.
People who are HIPAA-eligible are guaranteed the right to buy insurance through the Oklahoma Health Insurance High Risk Pool(described below). If you are not sure whether you are a HIPAA-eligible individual, your insurance agent or the Oklahoma Insurance Department can help you find out.
Oklahoma Health Insurance High Risk Pool
The Oklahoma Health Insurance High Risk Pool offers coverage to individuals who are unable to purchase an individual health insurance policy because they have pre-existing health conditions. It also covers "HIPAA-eligible" individuals, as described above.
Oklahoma Health Insurance High Risk Pool
Phone: 800-255-6065
SoonerCare - the State Children's Health Insurance Program
SoonerCare is Oklahoma's Medicaid and SCHIP program. It provides health insurance coverage for children whose family income meets certain income guidelines.
SoonerCare
Phone: 800-987-7767
Oklahoma Senior Health Insurance Counseling Program (SHIP)
SHIP provides free one-on-one counseling for Medicare beneficiaries with questions about any aspect of Medicare, including the Medicare Part D prescription drug benefit, or Medigap coverage.
SHIP
Phone: 405-521-6628 or 800-763-2828
SoonerCare - Oklahoma Medicaid
Medicaid is a government program designed to help the poor and indigent obtain health care services. Pregnant women and children under age 19 who meet certain income requirements may be eligible for Medicaid coverage, along with aged, blind, and disabled individuals.
Oklahoma Department of Human Services
Phone: 800-987-7767
