|Accident | Short Term | Critical Illness | Dental | Disability Income | Emergency | FB University | Group | Guaranteed Issue | HRA | HSA | High deductible | Immigrant | Individual | International | Life | Major Medical | Medigap | Mini-med | OnlineNavigator | Pre-existing Condition | PPO | Prescription | Small Business | Supplemental | Supplemental | Temporary | Telemedicine | Travel|
We make it easy to get friendly, personal and help with health care reform questions through two fast support options:
Email support is available 24/7 usually with same day response. Address your message to firstname.lastname@example.org.
Schedule telephone support with a call back at your convenience.
OnlineNavigator support is an independent service offered by Tony Novak, CPA, MBA MT subject to the adviser's schedule availability. This support is not intended to replace the services offered and available through other channels by your insurance company, insurance agents and health insurance navigators. Specifically, this service does not replace online pricing and enrollment functions, billing, claims or administrative services and does not assist with Medicare or Medicaid plans.
Covering the Gaps in Obamacare
AUIC Deductible Supplement Insurance - three defined dollar benefit levels to add protection for unexpected hospital bills and other medical expenses left uncovered by primary insurance
AUIC Qualified Health Plan Supplement Insurance - no need to fear the out-of-pocket cost of doctor visits, hospital charges and other expenses left by primary medical coverage.
Health plans and resources for diabetics - a listing of the health plan options and other resources
Core Health Insurance - the nation's most popular defined benefit health plans with guaranteed acceptance from US Fire Insurance Company
Value 24 Hour Accident - up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance.
Most Affordable Supplemental Coverage
Value Med Insurance - 3 question simple medical eligibility and immediate approval for supplemental doctor and hospital benefits
Primary Individual Major Medical Through a Private Exchange
Members Health Insurance Exchange allows you to price and choose from among many of the nations leading major medical health insurance options from a wide range of carriers. Personal help is available through OnlineNavigator to help with your selection.
Dental and Vision Insurance
Core Dental Insurance - preventive, basic, and major dental expenses with the dentist of your choice. Shortest waiting period.
Secure DentalOne - one lifetime deductible of $100 and then up to $1,250 per year coverage
Dental, Vision and Hearing Insurance - no deductible option, use any dentist, ophthalmologist, optometrist, physician or audiologist, no networks!
Online Life Insurance
International Term Life - up to $2 million coverage issued by Lloyds online specifically for those who spend time outside of the US
Critical Illness and Cancer Insurance
12/20/2014 Medicaid expansion is a key element of the Affordable Care Act but this has not been part of Oklahoma's health care plan. Officials are still considering changes to Insure Oklahoma that are necessary for 2015.
2/11/2014 Professional support for any health care reform issue is available free of charge through an arrangement with OnlineNavigator. All online inquiries are handled personally by Tony Novak, CPA. Online support is available through a number of popular social media channels including Facebook and Google+ as well as e-mail. Telephone support for insurance enrollment is available through Members Insurance Exchange at (800) 609-0683.
7/26/2013 Affordable Smart Term Life Insurance is now available to most Oklahoma residents from age 20 through 60 directly online with no physical exam, agent appointment or telephone verification. Most policies are issued on the same day with coverage amounts of $25,000 up to $350,000. The level premium life insurance is available for terms of 10, 15, 20 and 30 years. Sample rates for $150,000 coverage for a preferred risk male age 30, non-tobacco $30.85 per month; tobacco user $49.55 per month. A preferred risk female age 30 non-tobacco user would be $26.49 per month and a tobacco user would be $40.96 per month. Rates are higher for older applicants and lower health risks as described online. Pricing is based on input you provide about your medical history but, unlike most other life insurers, does not consider family medical history. Coverage is issued by innovative National Life Group, rated "A" by A.M. Best Company for 2013.
3/11/2013 This page was updated to include a link to the insurance plan that will be used to determine specific "essential health benefits" for insurance that qualified for 2014 federal tax purposes. Also, a link to additional covered benefits required by state law. Non-qualified insurance is likely to continue to be available at a lower cost that does not include these benefits nor qualify for federal tax purposes.
3/8/2012 Oklahoma legislature temporarily halted plans for a state-run health insurance exchange in the hope and anticipation that the federal Supreme Court will rule the law known as "Obamacare" unconstitutional later this year. Governor Mary Falin is quoted in a statement saying "I accept the Legislature’s decision and I remain extremely hopeful that the U.S. Supreme Court will do the right thing and rule the Affordable Care Act unconstitutional. In the event that it does not, I still believe that establishing a free market, Oklahoma-based online health insurance marketplace that protects consumer choice is the best defense against a federally run exchange." Additional information and Associated Press coverage is posted on the Freedom Benefits universal health insurance blog.
2/1/2012 The Center for Consumer Information and Insurance Oversight, a division of the Center for Medicare and Medicaid Services (CMS) reported that as of June 30, 2011 Blue Cross Blue Shield of Oklahoma is the state's largest health insurance provider and as such, earns the right to set the benchmark for the development of the state's essential benefit plans to debut in 2014 under health reform law.
2/17/2011 The Oklahoma Health Care Authority was granted more than $55 million by the U.S. Department of Health and Human Services to develop the Oklahoma Health Infrastructure and Exchange initiative. It will leverage tools such as the web-based real time claims processing provider service portal created in 2003 by the Oklahoma Health Care Authority. Providers may now enroll or re-enroll with SoonerCare Online Enrollment using the provider service portal.
2/12/2011 With dozens of health plans choices available online offering a wide range of pricing and benefits, how do you find the best combination of price and benefits? Celtic Insurance realizes that the choices can be overwhelming; the company offers more than 40 possible health plan designs in many parts of the United States. A new feature called "Help Me Choose" lets users easily and quickly select the benefits they value most and narrows the list down to a few of the best choices. No personal information is required other than zip code and date of birth.
1/30/2011 Patients with health insurance and a credit card now have access to VIP treatment when care is needed at a hospital emergency room. St. Anthony Hospital in Oklahoma City joined the growing list of hospitals that allows patients to use InQuickER, a reservation system that books appointments and reduces waiting time in the emergency room. The reservation system makes check-in easier by recording your insurance and payment information in advance. The service costs $15 to $25. Of course the nature unpredictable medical emergencies mean that the service cannot absolutely guarantee that you'll be seen immediately at your appointment time, but you get a full refund if not treated within 15 minutes after arrival. The InQuickER service works in conjunction with any of the private health insurance plans listed here at FreedomBenefits.net but is not available to uninsured patients.
12/16/2010 Department of Mental Health and Substance Abuse Services officials met representatives of 44 other states and numerous employees of the federal Health and Human Services Department in Washington DC this week for a two-day working meeting to discuss the next steps in establish a government-run health insurance exchange under the American Health Benefit Exchange Model Act. Their attendance at this meeting was paid for by a $1 million federal grant awarded by HHS in September to the state for research how to set up an insurance exchange. Two states (Alaska and Minnesota) declined to participate, saying that it was a waste of taxpayer money. Four other states (not identified in press reports) that received federal grants did not send representatives to the meeting. Attendees included representatives of 16 states that are suing the federal government in an attempt to overturn the federal health reform law; specifically the requirement that forces individuals to buy health insurance on the insurance exchange or pay a hefty tax fine.
In its initial federal grant request for the insurance exchange project, Oklahoma said that it would: 1) Convene a large stakeholder group to establish guiding principles and participate in a decision-making framework process, and 2) Gather existing research, studies and data on aspects of Oklahoma’s health care system including the uninsured, access to care, public coverage programs, insurance products offered, and insurance market trends and regulations.
The meeting reportedly did not address the role of the commercial health insurance exchanges on the implementation of new competing government systems. The model act does not address inter-state insurance exchange proposals nor insurance sales across state lines. Federal officials admitted that they may not be able to provide further guidance until 2012. Meanwhile, most states are motivated to continue to meet requirements to obtain additional funding promised by the federal government for the establishment of insurance exchange by 2014. Freedom Benefits has previously voiced the opinion that the huge amount of money being spent to set up alternate insurance sales system technologies could be better used providing health benefits to the public. We proposed on the Universal Health Insurance blog that adequate commercial insurance sales systems are already in place that could be modified in a public/private partnership to make health insurance more affordable.
11/8/2010 Oklahoma is poised to lead the nation in repeal of Obamacare after John Doak unseated the newly elected vice-chairman of the National Association of Insurance Commissioners (NAIC) in last week's public election. Doak supports freedom of choice and individual responsibility in meeting personal financial issues. We agree; and will support Oklahomans in all ways possible to be an example for the nation.
5/14/2010 Diabetes Coverage: A new resource to help find health insurance for diabetics in Oklahoma is now available at Freedom Benefits.
This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.