Health Insurance for Oklahoma Creatives
Clay Ross, Cardinal Rule Insurance
The Team
Insurance navigator offering free counseling to Oklahoma gig workers.
Katie Dale, Red Dirt Relief Fund Director of Oklahoma’s nonprofit safety net for music creators.
Jeanette Stanton & Jenn Easley-Maynord, OKF+MO Team connecting Oklahoma film and music creatives with business opportunities to grow both industries statewide.
Meg Gould & Natalie Bowling, Tulsa FMAC Team helping Tulsa-area filmmakers, musicians, writers, artists, and designers find the resources they need to bring their creations to life.
Nov 1Jan 15
Open Enrollment
Your chance to elect an Affordable Care Act health insurance plan for 2025 including potential subsidies to help make it affordable. There is no obligation to enroll in a plan, and all information you share is completely confidential.
What is covered? • Pre-existing conditions, including pregnancy • Free preventative care • Doctor visits and outpatient hospital care • Emergency services • Hospitalization • Maternity and newborn care • Mental health and substance use disorder services, including behavioral health treatment • Prescription drugs, including brand-name and specialty drugs
Case Studies
34-year-old Male $21,000 Annual Adjusted Gross Income $0 monthly payment $0 deductible $1,350 Max Out-of-Pocket Annually
Case Studies
33-year-old female + spouse $50,000 Annual Adjusted Gross Income Community Care Native Plan $131 monthly payment to cover both members $0 Deductible $0 Copay
Case Studies
40-year-old female + child $37,000 annual adjusted gross income Blue Cross Blue Shield Plan $46 monthly payment to cover both members $75 Deductible $3,150 Annual Max Out-of-Pocket
Case Studies
Family of 5 $49,000 annual adjusted gross income Community Care Plan $72 monthly payment to cover all members $50 Deductible $1,000 Annual Max Out-of-Pocket
Testimonial: The Tovars Family of 5 in Tulsa We never knew the healthcare resources available to our family. We were in a place of using cash pay at urgent cares when very ill. We found that by consulting with Clay, his experience navigating the platform quickly helped us find custom fit insurance to our family. We now have a primary care family doctor close to our neighborhood and have been able to get routine care, specialized care and referrals, and low to no-cost prescriptions when needed. Our family Is definitely more stable and healthier because of these services. -Jamie Tovar
Testimonials:
Travis Kidd Clay Ross/Cardinal Rule helped me navigate the health care marketplace and was able to find me an affordable health insurance package for me and also my three kids! I’ve been using Clay’s services for the past five years, and I highly recommend him to help you find the right coverage.
Jim Bachmann Clay has been a lifesaver. Getting coverage with him couldn’t be easier. He answered all of my questions and was able to get me into a great plan.
Testimonial: Jordan Cox Fairfax, Oklahoma Clay Ross with Cardinal Rule Insurance got me a full health insurance plan with a 5-minute phone call. I have had no problems having to switch or find healthcare providers. It has taken a lot of worry and stress out of my life. -Jordan Cox
What you need to get started 1.
Projected Income for 2025
2.
You and/or any other family members you’d like covered by your plan
Educated estimate of your gross adjusted income for 2025 tax year
3.
Your Needs If you have specific doctor networks, conditions, medications or health care needs (including dental and vision), let Clay know
Family Member Birthdates
4.
15 Minutes Contact Clay to schedule a 15minute appointment to learn what plans and subsidies are available for your needs
Enrollment Deadlines • December 15 for coverage starting January 1 • January 15 for coverage starting February 1
Additional Resources 1.
Red Dirt Relief Fund https://www.reddirtrelieffund.org/ musician-resources/
3.
2.
Tulsa FMAC https://www.visittulsa.com/filmmusic/music/music-resources/
Cardinal Rule Insurance
Clay Ross
Ihttps://www.cardinalruleinsurance.com/
Clay@cardinalruleinsurance.co m or text for plans statewide 918-293-8613, call