Business Details
10 Years
experience
Your Trusted Oklahoma Insurance Broker
Oklahoma Health Options was founded in 2016 by Russell Grafrath to address rising health insurance costs impacting Oklahoma's small businesses and self-employed individuals. Our team of licensed brokers specializes in navigating complex insurance markets to find tailored solutions for families, individuals, and organizations. With expertise in Affordable Care Act plans, Medicare, life insurance, and supplemental coverage, we contract with multiple providers to ensure competitive pricing and comprehensive benefits. Our services include enrollment assistance, claims support, and ongoing guidance through policy changes, operating as a one-stop shop for all insurance needs.We prioritize transparency, offering free consultations and personalized recommendations without pushing specific products. Our commitment extends beyond enrollment, providing year-round support to resolve carrier issues and maximize client benefits. Headquartered in Edmond, Oklahoma, we serve clients statewide with a focus on simplifying insurance decisions through expert analysis and local market knowledge.
Services
Health Insurance
Life Insurance
Medicare Plans
Group Health Insurance
Dental Insurance
Vision Insurance
Supplemental Insurance
Cancer Care Insurance
Native American Plans
Short-Term Medical Plans
Details
- Year established: 2016
Highlights and features
- We offer free enrollment assistance and policy comparisons
- Our specialists have in-depth knowledge of Oklahoma's insurance market
- We contract with multiple carriers for competitive pricing
- We provide year-round support beyond enrollment periods
- Our brokers prioritize personalized recommendations over product pushing
What people say
Knowledgeable and helpful
Quick to respond
Painless process
Saved money
Excellent support
Services
Health Insurance Brokerage
We analyze multiple health insurance providers to find customized coverage solutions for Oklahoma residents. Our specialists evaluate your family's medical needs, budget constraints, and preferred providers to recommend optimal plans. With access to Affordable Care Act, short-term, and alternative options, we ensure comprehensive protection while maximizing cost savings through expert market analysis.
Medicare Plan Selection
Our Medicare specialists guide seniors through complex coverage options including Parts A-D, Advantage plans, and Medigap policies. We explain enrollment timelines, prescription drug formularies, and supplemental coverage choices while considering individual healthcare requirements. Our service includes annual plan reviews to ensure continued suitability as needs change.
Life Insurance Solutions
We help clients choose between term and whole life insurance policies based on financial goals and family needs. Our brokers explain policy features, death benefit structures, and cash value components while comparing rates across multiple insurers. We also provide guidance on policy riders and long-term care integration options.
Group Health Insurance
We assist Oklahoma employers in selecting cost-effective group health plans for employees. Our services include carrier comparisons, premium cost analysis, and benefits package structuring. We explain tax advantages and help businesses navigate enrollment processes while ensuring compliance with regulatory requirements.
Dental and Vision Insurance
We offer standalone dental and vision plans that complement major medical coverage. Our specialists explain preventive care benefits, procedure cost-sharing structures, and eyewear allowances. We help clients compare network providers and select plans that balance premium costs with expected utilization.
People
Russell Grafrath
Founder and Broker
With over 8 years of insurance experience, Russell established Oklahoma Health Options in 2016 to help residents navigate complex insurance markets. He specializes in finding cost-effective solutions for self-employed individuals and small businesses.
Sebastian Vitug
Health Insurance Broker
Licensed since 2022, Sebastian provides personalized insurance guidance with a focus on Medicare and individual health plans. He prioritizes clear communication and thorough plan explanations to help clients make informed decisions.
Rose Sonrise
Health Insurance Broker
A licensed broker since 2017, Rose specializes in family health insurance and Native American plans. She combines technical expertise with compassionate service to help clients understand complex policy details and coverage options.
Questions
What types of insurance do you offer?
We offer health, life, Medicare, dental, vision, supplemental, and cancer care insurance for individuals, families, and businesses.
How do you help clients save money?
We compare multiple carriers' plans to find cost-effective options and help clients qualify for available subsidies or discounts.
Do you serve areas outside Oklahoma City?
Yes, we serve all Oklahoma residents including Tulsa, Edmond, and surrounding communities.
Is your service really free?
Yes, our consultation and plan comparison services are completely free with no hidden fees.
How do I get started with enrollment?
Contact us via phone or our website to schedule a free consultation where we'll assess your needs and guide you through options.
