Medicare help, without the confusion.
Turning 65 in Tulsa or anywhere in Oklahoma? Skip the mailers, the websites, and the conflicting advice. Talk with one licensed local agent who explains your options in plain English and helps you choose with confidence.
People don’t care how much you know until they know how much you care.
Book a Free Consultation
Tell me a little about what you need, and I will contact you to schedule a time. No cost, no obligation.
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How I Help
A simpler way to handle Medicare in Tulsa and across Oklahoma
Whether you are turning 65, retiring, or reviewing your current coverage, you will have one trusted local point of contact from the first conversation forward.
Start with a conversation
No research required. Call or send a request, and we start with your situation, not a sales pitch.
Review your options
We walk through your timing, budget, doctors, and prescriptions, then compare the plans I offer in your area.
Enroll with confidence
You choose the coverage that fits. I help with enrollment and remain your point of contact after you enroll.
About
Meet Justen Monroe
I am a licensed insurance agent and Medicare Specialist with HIA & Associates. My goal is to build lasting relationships, not just sell insurance, and to make Medicare easier from the first conversation forward.
Free Medicare Plan Review
I will compare your current coverage with the plans I offer in your area. If your current plan is still the right fit, I will tell you. If another plan fits better, I will show you why. Either way, there is no pressure to change.
One Point of Contact
Medicare is not a one-time decision. Plan benefits, costs, and your needs can change every year. I stay available for questions, annual reviews, and changes as they come up.
Medicare Coverage Options
The parts of Medicare, in plain English
Most people turning 65 choose one of two paths: Original Medicare with a Medicare Supplement and a Part D drug plan, or a Medicare Advantage plan. I help you compare both paths side by side.
Original Medicare
Part A is hospital insurance: inpatient stays, skilled nursing facility care, hospice, and some home health care. Most people pay no Part A premium. Part B is medical insurance: doctor visits, outpatient care, preventive services, and medical equipment, with a monthly premium.
Medicare Supplement
Sold by private insurance companies to help pay costs Original Medicare leaves behind, such as deductibles, coinsurance, and copayments. Plans are standardized by letter, so the same plan letter provides the same basic benefits from every company. A Supplement works only with Original Medicare and does not include drug coverage.
Medicare Advantage
An alternative way to receive your Medicare benefits through a Medicare-approved private company. Plans cover everything Parts A and B cover, most include Part D drug coverage, and they usually use provider networks. Some offer extra benefits such as dental, vision, or hearing. You continue to pay your Part B premium.
Prescription Drug Coverage
Drug plans from private companies that add prescription coverage to Original Medicare. Each plan has its own list of covered drugs and pharmacy network, and yearly out-of-pocket costs for covered drugs are capped. Going without creditable drug coverage after you become eligible can mean a late-enrollment penalty.
Not sure which path fits? A free plan review compares your doctors, prescriptions, and budget against the plans I offer in your area. Compare Advantage and Supplement.
Book a Free Plan ReviewKnow Your Dates
Medicare enrollment periods at a glance
Timing matters. Missing a window can mean gaps in coverage or late-enrollment penalties. These are the key periods for Oklahomans turning 65.
Initial Enrollment Period
Begins 3 months before the month you turn 65, includes your birthday month, and ends 3 months after it.
Annual Enrollment Period
Join, switch, or drop a Medicare Advantage plan or a Part D prescription drug plan. Changes take effect January 1.
Medicare Advantage Open Enrollment
Already in a Medicare Advantage plan? Make one change: switch to another Medicare Advantage plan, or return to Original Medicare and add a Part D plan.
Medigap Open Enrollment
Begins the first month you are both 65 or older and enrolled in Part B. Generally the best time to buy a Medicare Supplement plan.
Special Enrollment Periods may apply if you are still working with employer coverage, move, or have another qualifying life event. Ask me which apply to you.
Common Questions
Medicare questions Oklahomans ask most
Do not see your question here? Call 918-760-6156 and ask me directly.
When can I sign up for Medicare when I turn 65?
Your Initial Enrollment Period is 7 months long. It begins 3 months before the month you turn 65, includes your birthday month, and ends 3 months after it. Enrolling during the 3 months before your birthday month lets your coverage start on time.
What is the Medicare Annual Enrollment Period?
Each year from October 15 to December 7, you can join, switch, or drop a Medicare Advantage plan or a Part D prescription drug plan. Changes take effect January 1.
What is the difference between Medicare Advantage and a Medicare Supplement?
A Medicare Supplement (Medigap) works alongside Original Medicare and helps pay costs Medicare leaves behind, such as deductibles and coinsurance; you add a separate Part D plan for prescriptions. A Medicare Advantage plan replaces how you receive your Parts A and B benefits, usually through a provider network, and most plans include drug coverage. See a side-by-side comparison.
When is the best time to buy a Medicare Supplement (Medigap) plan?
During your Medigap Open Enrollment Period: the 6 months that begin the first month you are both 65 or older and enrolled in Medicare Part B. During this period, an insurance company generally cannot turn you down or charge you more because of your health.
I am still working at 65. Do I need to sign up for Medicare?
It depends on your coverage. If you have group health coverage through your own or your spouse’s current employment, you may be able to delay Part B without a penalty. When that employment or coverage ends, you have an 8-month Special Enrollment Period to sign up. Employer size affects the rules, so review your situation before you decide.
Does it cost anything to work with you?
No. Consultations and plan reviews are free. Agents are paid by the insurance companies, and your premium is the same whether you enroll through an agent or on your own.
Do you only help people in Tulsa?
No. I help clients in Tulsa, Broken Arrow, Bixby, Jenks, Owasso, Sand Springs, Sapulpa, Catoosa, and surrounding communities, and I work with Oklahomans statewide by phone.
Do you offer every Medicare plan available in Oklahoma?
No. I represent a select group of insurance companies and can share information only about the plans I offer in your area. For information on all of your options, contact Medicare.gov or 1-800-MEDICARE.
Is this website part of Medicare or the government?
No. Turning 65 Oklahoma Medicare is not connected with or endorsed by Medicare, the Centers for Medicare & Medicaid Services (CMS), or the U.S. government. For official information, visit Medicare.gov or call 1-800-MEDICARE.
Service Areas
Medicare help across the Tulsa area and all of Oklahoma
Medicare Advantage and Part D plan options can change from one county to the next, so your ZIP code matters. I help clients throughout the Tulsa metro and statewide by phone.
Also serving Glenpool, Claremore, Coweta, Collinsville, Skiatook, Kiefer, Verdigris, and Wagoner, and communities across Oklahoma. New to Medicare? Start with the Turning 65 checklist.
Contact
Let’s talk Medicare
The fastest way to get started is a phone call. You can also email me or send a request.
Turning 65 Oklahoma Medicare is not affiliated with Medicare, CMS, or the U.S. government.
Request a Free Consultation
Send your details, and I will contact you directly.
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