Group health insurance and employee benefits for Oklahoma employers

Medcore Brokerage serves Oklahoma employers through Trey Driver, a licensed Oklahoma insurance producer (Oklahoma Insurance Producer License #100234255), working with Oklahoma employers with 50 or more employees. We are an independent, multi-carrier brokerage: not a carrier, and not captive to one. We work from our McKinney, Texas office and have been placing employee benefits since 2012, as Texas General Lines Agent License #1797664, National Producer Number 16823129. Day to day, that means one broker who knows your group, handles carrier questions and keeps your renewal on schedule.

What we place for Oklahoma employers

The full benefits package, not just medical:

• Group medical — fully insured and level-funded options, compared side by side on cost, network and renewal risk
• Dental and vision
• Group life and disability
• Voluntary benefits — accident, critical illness, hospital indemnity, employee-paid
• Section 125 so employee contributions come out pre-tax

We are appointed with multiple carriers and quote your group across them rather than steering you to one. We do not publish a carrier list, because the right panel depends on your headcount, location and claims history.

Voluntary benefits for Oklahoma employers

Employee-paid lines are the cheapest way to widen a benefits package without moving your budget: accident, critical illness and hospital indemnity sit alongside the medical plan and cost the employer nothing but payroll deduction. We quote them with your medical renewal rather than as a separate exercise, so employees see one enrollment and one set of paperwork.

What is different about Oklahoma

Most of what changes across a state line is administrative, but it changes what you file and when:

• Rates and forms are filed with the Oklahoma Insurance Department. A plan sold in Texas is not automatically available to your Oklahoma employees — the product has to be filed and approved in Oklahoma, which is why a Texas-only broker will sometimes tell you a plan “isn’t available” when a filed equivalent exists.
• Federal COBRA applies to employers with 20 or more employees, so at 50+ your group is under COBRA rather than Oklahoma’s state continuation (which exists for groups too small for federal COBRA). At 50 or more full-time-equivalent employees you are also an applicable large employer under the ACA, with its coverage and reporting obligations.
• Insure Oklahoma runs an Employer Sponsored Insurance plan through the Oklahoma Health Care Authority that helps qualifying employers provide eligible employees with affordable coverage. Whether your group qualifies depends on the program’s current eligibility rules — we check them rather than assume.
• Multi-state groups. If you have staff on both sides of the Red River, we handle both states in one renewal rather than running two brokers.

Who we work with in Oklahoma

Employers with 50 or more employees across Oklahoma City, Tulsa, Norman, Edmond, Broken Arrow, Lawton and Stillwater — manufacturing, healthcare, professional services, transport and non-profits. If you are outside those metros, the answer is still usually yes; ask.

Enrollment your employees can actually use

Enrollment support is available in English and Spanish. Employees get a person to ask, not a portal link and a deadline, and HR gets the questions taken off its desk during open enrollment.

How your renewal works

Four steps, on a clock that starts well before your renewal date:

1. Discovery. Headcount, locations, current spend, contribution strategy and what is actually annoying you about the present plan.
2. Benchmark and market. We take your census to market across our carrier panel and show the options side by side — premium, network, funding type and the renewal risk attached to each.
3. Decide and enroll. You pick, we build the enrollment materials, run enrollment in English and Spanish, and provide Section 125 documentation.
4. Renewal strategy, 60–90 days out. We start the next renewal before the carrier’s increase letter arrives, not after it, and stay available for compliance and HR questions in between.

Licensing and credentials

Trey Driver, President — Oklahoma Insurance Producer License #100234255, Texas General Lines Agent License #1797664, National Producer Number 16823129. Lines of authority: life, accident, health and HMO. Independent brokerage, placing employee benefits since 2012 from our McKinney, Texas office. Every license is public record — the numbers and the lookup links are on our company overview.

Oklahoma employer benefits FAQs

Are you actually licensed in Oklahoma?

Yes. Trey Driver holds Oklahoma Insurance Producer License #100234255 (non-resident, accident and health and life lines). It is public record on the Oklahoma Insurance Department and NAIC State Based Systems lookups, and the number and links are on our company overview.

Do you need to be in Oklahoma to work with Medcore?

No. We work from McKinney, Texas and run Oklahoma groups the same way we run Texas groups: carrier marketing and renewal strategy remotely, enrollment meetings on site or by video in English and Spanish. Most of our clients talk to us more often by phone and email than in person either way.

Does an Oklahoma employer with 50 or more employees have to offer health insurance?

Under the federal Affordable Care Act, an employer with 50 or more full-time-equivalent employees is an applicable large employer and must offer affordable, minimum-value coverage to full-time employees or risk a penalty, and must file Forms 1094-C and 1095-C each year. Oklahoma does not add a separate state mandate on top of that.

Can you handle a group with employees in both Texas and Oklahoma?

Yes, and that is a common reason employers near the Red River call us. One broker, one renewal, with the plan filed and approved in each state where you have employees, instead of two brokers who each only see half of your group.

What is Insure Oklahoma?

Insure Oklahoma is a premium-assistance program run by the Oklahoma Health Care Authority. Its Employer Sponsored Insurance option helps qualifying small employers and their eligible employees pay for group coverage. Eligibility rules change, so we check your group against the current rules rather than assuming either way. Also see: the full list of areas we serve.