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You've got questions, we've got answers!

Here are some answers to some of the most frequently asked questions we hear from our customers.  As always, if you have more questions, just give us a call.  Feel free to check out some of our latest Google reviews and a video from our owner, Sung Kang.


How do I know if I’m in the best Medicare plan for me?arrow icon

We start by listening to your needs. We’ll build a list of the doctors you visit, the drugs you’re taking, and the pharmacies you use. Then, we’ll evaluate the highest-rated plans in your area. It’s the same process we follow with every client, even our own families, to make sure they get the right coverage. Don’t let anyone rush you into a decision. Our job is to make sure you understand your options. Everyone is different. Your circumstances are unique to you, and changing at times. Find a local agent who will answer all of your questions, and stay with you to help through the changes of life. We live in Oklahoma and study these plans each year. If you have questions about Medicare, Health Insurance, or Life Insurance, schedule an appointment by calling (405) 850-1900 or filling out our contact form.

When is Medicare open enrollment for 2024?arrow icon

The 2024 Open Enrollment Period (OEP) for Oklahoma is November 1, 2023- January 15, 2024.

Who qualifies for Medicare?arrow icon

U.S. citizens or legal residents who are 65 years old or older.  You may qualify if you are under 65 years old and have a qualifying disability or end stage renal disease.


Who is eligible to receive Medicare Part A at no charge?arrow icon

  • Anyone 65 or older and receiving retirement benefits from Social Security or the Railroad Retirement Board.
  • Anyone 65 or older and eligible for retirement benefits but not filed for them yet.
  • Anyone 65 or older and had Medicare-covered government employment.
  • Anyone under 65 and has received disability benefits for 24 months.
  • Anyone under 65 and has Lou Gehrig’s Disease (amyotrophic lateral sclerosis) or has received kidney dialysis or a kidney transplant.

Do I have to get Medicare?arrow icon

Anyone 65 and receiving Social Security benefits will be automatically enrolled in Original Medicare (Medicare Part A and Medicare Part B).

If you are not receiving Social Security, you will need to sign up for your Medicare with the Social Security Administration (SSA).

When can I enroll in Medicare?arrow icon

Your Initial Enrollment Period for Medicare is three months prior to turning 65 through 3 months after you turn 65 for a total of 7 months.

If you miss this Initial Enrollment Period, you may have to wait for the General Enrollment Period that begins in January. There may be some exceptions, such as losing employer group insurance coverage.

What happens if I miss my sign up for Medicare at 65?arrow icon

If you don’t have credible coverage and delay your Medicare enrollment, there are two penalties you could be subject to:

  1. The Part B late enrollment penalty – this penalty can increase your monthly premium by 10% each year you delay your enrollment. In most circumstances, this penalty is imposed for as long as you have your Part B coverage.
  2. The Part D late enrollment penalty – this penalty can increase your monthly premium by 1% each month you delay your coverage.

Can I still work full-time on Medicare?arrow icon

Yes, you can work full-time while on Medicare. You can also carry both employer coverage and Medicare Part A coverage. When you retire or lose your group coverage, you can enroll in Medicare Part B.

If I have group coverage do I need Medicare?arrow icon

Be sure to talk to your Benefits Manager at your place of employment regarding qualifying coverage.

You can enroll in Medicare Part A while having group coverage.  In this case, one type of coverage will pay the medical bill first then the other type of coverage will pay the remainder of the bill.

If you plan to stay under group coverage and delay your Medicare enrollment, contact SSA to avoid future penalties.

Health Insurance

Why do I need a local health insurance agent?arrow icon

Health insurance and Medicare plans change every year. An agent at a call center isn’t going to know your area like a local will. We are local and always tracking network changes, and what they mean for the hospitals, doctors, and pharmacies you use. You’re going to have questions from time to time. You need someone to call who will help you find answers. As an independent agent, that’s my job. The business grows when we take care of you so well that you refer me to someone else. We work with many different carriers, not just one. That gives you options to find the right fit. We can help with health insurance, Medicare, life, and supplemental products designed to protect you and your family. Best of all, the services are free to you.

What does health insurance cost?arrow icon

The cost of individual health insurance is largely influenced by your age, your income, the state in which you live, how many people you have in your household, and whether you are a tobacco user.

We can help you weed through the options and get the best bang for your insurance buck.  Call us today at 405.850.1900.

Life Insurance

How much life insurance is “enough”? What kind should I get?arrow icon

Everyone needs to have something in place. Too many people leave family behind with nothing. The right amount is different for everyone. If you don’t have any life insurance, a term policy is a great, inexpensive place to start. Many people are surprised at how inexpensive a term policy can be. Eventually, you might want to build value in a permanent policy, save for Long Term Care, and have money ready for final expenses. Some options have combinations of benefits. We have great products now that provide life insurance and coverage for other needs while you’re living. There are many options to customize a plan for your needs. Everyone is different. The best place to start is a conversation. If you’re worried you don’t have enough, call our office at (405) 850-1900 or fill out our contact form to schedule an appointment so we can talk.

Career in Health Insurance

People have suggested to me selling Health Insurance as a career opportunity. Should I consider it?arrow icon

A career in Health Insurance sales can be incredibly rewarding, both financially and personally. At HealthMarkets, we offer a supportive team environment, opportunities for growth and development, and a chance to truly make a difference in people’s lives.
One of the most attractive aspects of this career is the ability to work from home and set your own schedule.

Plus, our commission-based compensation means the harder you work, the more you can earn. With our extensive range of products, including health, life, and supplemental insurance policies, there’s a lot of potential for growth and income.

As the leader of the Oklahoma City team, I’m passionate about helping others succeed in this industry. If you want to know more about becoming a HealthMarkets agent, let’s connect and see if this is the right opportunity for you. Schedule an appointment by calling (405) 850-1900.