Medicare Enrollment & Eligibility in Oklahoma
Turning 65 comes with a lot of big decisions—and one of the most important is enrolling in Medicare, the federal health insurance program for seniors and certain individuals with disabilities.
But let’s face it: Medicare enrollment can feel overwhelming. Between deadlines, coverage options, and confusing paperwork, it’s easy to feel lost.
That’s where Pro Compare Medicare comes in, Licensed professional Lynn and her team helps make Medicare simple, guiding you through the entire process so you feel confident in your choices.
Here’s what you need to know about Medicare eligibility and enrollment in Oklahoma—and how we can help.
When Are You Eligible for Medicare?
You become eligible for Medicare when you turn 65 years old—but your window to enroll opens a little earlier. Your Initial Enrollment Period begins three months before your 65th birthday, includes your birthday month, and ends three months after. That gives you a full seven-month window to sign up without penalties.
Example:
If your birthday is March 15, your enrollment window opens December 1 and closes June 30.
Missing this important timeframe could mean:
Permanent penalties on your monthly premiums
Delayed coverage
Limited access to certain benefits available only during your initial enrollment period
Why Work with a Medicare Agent?
Enrolling in Medicare can feel confusing—but it doesn’t have to be. Working with a licensed professional like Lynn and her team ensures you:
Understand your enrollment timeline
Avoid late fees and coverage gaps
Choose the right plan based on your health and budget
Get ongoing support—even after you enroll
Medicare Part A Eligibility (Hospital Insurance)
Medicare Part A helps cover inpatient care in hospitals, skilled nursing facilities, hospice care, and limited home health services.
You may be eligible for premium-free Part A if:
You’re 65 or older and you or your spouse have paid Medicare taxes for at least 10 years (40 quarters)
You’re already receiving Social Security or Railroad Retirement benefits
You or your spouse worked in a Medicare-covered government job
You’re under 65 and have End-Stage Renal Disease (ESRD) and need dialysis or a kidney transplant
If you don’t qualify for premium-free Part A, you can still buy Part A coverage if:
You’re 65 or older
You’re a U.S. citizen or a legal permanent resident who has lived in the U.S. for at least five continuous years
Who Else Is Eligible for Medicare?
While most people qualify for Medicare at age 65, there are additional eligibility rules that apply if you’re younger or haven’t worked long enough to earn premium-free coverage.
To qualify for Medicare, you must meet the following requirements:
Be a U.S. citizen or legal resident who has lived in the U.S. for at least five continuous years
You or your spouse must have paid Medicare taxes for at least 10 years (40 quarters)
Can You Get Medicare Before Age 65?
Yes—certain individuals under 65 may qualify for Medicare if they meet specific medical or disability-related conditions, including:
You have a disability and have received Social Security Disability Insurance (SSDI) or Railroad Retirement Board disability benefits for at least 24 months
You have End-Stage Renal Disease (ESRD) and need regular dialysis or a kidney transplant
You have Amyotrophic Lateral Sclerosis (ALS), also known as Lou Gehrig’s disease
Medicare Part B Eligibility (Medical Insurance)
Medicare Part B helps cover:
Medically necessary services like doctor visits, lab work, and outpatient treatment
Preventive services like vaccines, cancer screenings, and wellness visits
If you qualify for premium-free Part A, you’re also eligible to enroll in Part B. If you don’t qualify for free Part A, you can still enroll in Part B if:
You’re 65 or older, and
You’re a U.S. citizen or legal resident
Part B typically requires a monthly premium, which may vary based on your incom
Medicare Part C (Medicare Advantage) Eligibility
Medicare Part C, also known as Medicare Advantage, is an all-in-one plan offered by private insurance companies. These plans include all the benefits of Original Medicare (Parts A and B)—and often provide extra coverage like dental, vision, hearing, and prescription drugs.
You may be eligible to enroll in a Medicare Advantage plan if:
You’re already enrolled in Medicare Parts A and B
You live in an area where a Medicare Advantage plan is available
Many Advantage plans are available throughout Oklahoma, including in Muskogee, Tulsa, Cherokee, Wagoner, and surrounding counties. Licensed professional Lynn and team can help you compare local options and find a plan that fits your lifestyle, budget, and health needs.
Medicare Eligibility for People with Disabilities
If you’re under 65 and living with a disability, you may still qualify for Medicare—you don’t have to wait until your 65th birthday.
You’re eligible for Medicare before age 65 if:
You’ve received Social Security Disability Insurance (SSDI) or Railroad Retirement disability benefits for at least 24 months
You’ve been diagnosed with End-Stage Renal Disease (ESRD) and need regular dialysis or a kidney transplant
You have Amyotrophic Lateral Sclerosis (ALS)—in this case, you may be automatically enrolled in Medicare the same month your disability benefits begin
At Pro Compare Medicare, Lynn and her team can help you understand your eligibility, compare your plan options, and enroll in the coverage that best supports your health needs—no matter your age.
Medicare Part D (Prescription Drug Coverage) Eligibility
Medicare Part D helps cover the cost of prescription medications, including both generic and brand-name drugs. This coverage is offered through private insurance companies and can be added to Original Medicare or included as part of a Medicare Advantage plan.
You’re eligible for Medicare Part D if:
You’re enrolled in Medicare Part A and/or Part B
Choosing the right Part D plan can help you save significantly on medications. Lynn and her team will help you review available plans, compare coverage for your specific prescriptions, and avoid common pitfalls—at no cost to you.
Medicare Eligibility for Green Card Holders
If you’re a lawful permanent resident (green card holder), you may also qualify for Medicare benefits once certain conditions are met.
To be eligible for Medicare, you must:
Have lived legally in the U.S. for at least five continuous years, and
You or your spouse must have worked in the U.S. and paid Medicare taxes for at least 10 years (40 quarters)
Even if you’re not eligible for premium-free Medicare Part A, you may still be able to purchase coverage and enroll in Part B and Part D to meet your healthcare needs.
Medicare Coverage for Home Health Care and Hospice Services
At Pro Compare Medicare, we know that some of the most important care happens right at home. That’s why it’s essential to understand what Medicare covers when it comes to home health care and hospice services—especially if you or a loved one are navigating a serious health condition.
Medicare Home Health Care Eligibility
If you’re recovering from surgery or managing a chronic condition, Medicare Part A and Part B may help cover home health care services—including nursing care, physical therapy, occupational therapy, and medical social services.
To qualify, you must:
Be enrolled in Medicare Part A or Part B
Be under a doctor’s care and following an approved treatment plan
Have a doctor certify that you need intermittent skilled nursing care or therapy services (like physical, occupational, or speech therapy)
Have a doctor certify that you are homebound—meaning it’s difficult to leave your home without help
Medicare Hospice Eligibility
If you or a loved one is facing a terminal illness, Medicare Part A can help cover the cost of hospice care, including nursing services, medical equipment, counseling, and pain management.
To be eligible for Medicare-covered hospice care:
You must be enrolled in Medicare Part A
A hospice doctor must certify that you have a terminal illness with a life expectancy of six months or less
You must choose palliative care (comfort care) instead of curative treatments for your illness
You must sign a statement saying you choose Medicare hospice care
Hospice care allows you to focus on comfort, dignity, and quality of life during a deeply personal time.
Let’s Get Medicare Right — Together
Don’t let Medicare stress you out. At Pro Compare Medicare, you get more than just answers — you get a real partner in your corner.
Lynn and her team offers free, personalized guidance designed to make your journey smooth, simple, and totally tailored to you.
📞 Call 1-918-913-8199 now to book your no-pressure, no-cost consultation — and take the first step toward Medicare made easy.
