Business Details
27 Years
experience
Your Trusted Health Insurance Partner in Oklahoma City
Insurance Care Associates is an independent Oklahoma City-based insurance agency specializing in health and health-related insurance products. Since 1999, we have prioritized personalized service, focusing exclusively on areas where we excel to better serve our clients. Our mission centers on providing affordable, comprehensive health insurance options while maintaining unparalleled service standards. We represent top-rated insurance providers and prioritize client education to ensure informed decision-making. With decades of combined experience, including founder Mary Steichen's 40-year nursing background, we combine industry expertise with compassionate guidance.Our partnerships with leading insurance carriers and organizations like LTCR enable us to offer tailored solutions for individuals and businesses. We emphasize transparency, avoiding pressure tactics, and fostering long-term client relationships. Our team's credentials, including CLTC and LTCP designations, reflect our commitment to excellence. Active in professional associations like NAHU and AALTCI, we stay ahead of industry changes to protect client interests. Whether navigating Medicare supplements, long-term care planning, or group health policies, we provide customized support throughout the insurance lifecycle.
Services
Medicare Supplements
Long Term Care Insurance
Individual Health Plans
Group Health Coverage
LTC Planning
Details
- Year established: 1999
Highlights and features
- 20+ years helping Oklahoma residents with health insurance planning
- Independent agency representing multiple top-rated insurance carriers
- Founder with nursing background and LTC insurance expertise
- Personalized approach avoiding pressure sales tactics
- Active members of NAHU and AALTCI professional associations
What people say
Professional, courteous, integrity
Saved us time and money
Knowledge of LTCI application
Caring way to explain details
Long term care expertise
Services
Medicare Supplements
Medicare Supplement insurance helps cover gaps in Original Medicare coverage. We specialize in explaining plan options A-N, including prescription drug coverage and HMO advantage plans. Our experts help determine whether to stay on group plans or transition to Medicare with supplements, ensuring clients understand eligibility timelines and potential penalties.
Long Term Care Insurance
Long Term Care Insurance protects against expensive chronic care needs from cognitive impairments or physical disabilities. We offer traditional pay-as-you-go plans and hybrid 'life/linked benefit' policies that provide death benefits if LTC coverage remains unused. Our specialists help clients navigate coverage options for home care, assisted living, and nursing facilities.
Individual Health Plans
We provide ACA-compliant individual health insurance plans both on and off exchanges. Partnering with BHJ Insurance, we offer A-rated carrier options and help clients understand HSA, HRA, and FSA account integration. Our service includes plan comparisons and ongoing support for claims processing and policy renewals.
Group Health Coverage
Our group health insurance solutions help Oklahoma businesses navigate PPACA requirements. We offer comprehensive major medical plans, dental/vision coverage, and disability insurance. With access to all state A-rated carriers, we assist with employee enrollment meetings, claims processing, and annual renewals for businesses of all sizes.
LTC Planning
Long Term Care planning services focus on preparing for future care needs while protecting assets. We help clients evaluate traditional vs hybrid policy structures, understand benefit triggers, and incorporate LTC coverage into broader retirement plans. Our specialists address unique needs like family caregiver compensation and multi-generational planning.
People
Mary K Steichen
Founder
A registered nurse with 40+ years experience, Mary founded Insurance Care Associates in 1999 after recognizing gaps in insurance education. With CLTC and LTCP certifications, she specializes in LTC planning and has partnered with LTCR since 2011. Active in NAHU and AALTCI, she prioritizes client education over sales pressure.
Questions
What health insurance services do you offer?
We specialize in Medicare supplements, long-term care insurance, individual health plans, and group health coverage for Oklahoma businesses.
How does long-term care insurance benefit policyholders?
LTC insurance protects assets from care costs averaging $4,500-$6,500/month in Oklahoma while providing care choice options in home or facility settings.
How do you help clients choose insurance plans?
We assess individual needs through detailed consultations, then match clients with customized solutions from multiple top-rated insurance carriers.
What areas do you serve?
Primarily serving Oklahoma City and surrounding areas including Edmond, Choctaw, and Bethany for both individual and business clients.
