All of my agents are licensed, salaried, and non‑commissioned.David Harder, President | Licensed Insurance Broker
OPTIONS FOR ANY SITUATION
Medicare, Health & Group Insurance in Tulsa, OKInsurance guidance from people you can actually call.
Spirit Insurance Group is a local, independent agency in Tulsa. Every advisor is salaried, not commissioned — so the plan we recommend is the one that fits you, not the one that pays us more.
October 15th to December 7th, that's your window, and here is the one thing you need to know before it closes. If you are on a Medicare Advantage plan or a prescription drug plan, that's the time to do it. Miss that deadline and you're stuck for a year. Give us a call. It's as simple as 20 minutes. We'll help you walk through it. Bring your letter in. We'll go over it and read it with you, and give us a call at 918-236-4470.
Medicare Annual Enrollment Starts October 15
David Harder explains the October 15 to December 7 Annual Enrollment Period and why you should not let your plan simply roll over: plans, costs and drug lists change every year.
We do not offer every plan available in your area. Currently we represent 7 organizations which offer 60 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Read the transcript
Nobody in this office works on commission. This is why it's important to you. We're here to find the right plan for you every time, period. Right thing for everybody every time.
No One Here Works on Commission!
David Harder on why every agent at Spirit Insurance Group is licensed, salaried and non-commissioned.
Read the transcript
16 years, not a single ad. Every client we have came from another client. We have always existed on repeat and referral business. It grew from one client to another one very organically. It's because we treat everybody correctly. We do the right thing for everybody every time. We've never spent a dollar on an ad before. Never a complaint in over 16 years, so we really take treating the client correctly seriously. If someone sent you to us, thank them and then give us a call. 918-236-4470.
Sixteen Years, Zero Ads
Since 2010, Spirit Insurance Group has grown without advertising, through Tulsa families and business owners referring their friends.
Most people call us because a letter arrived: a Medicare Annual Notice of Change, a marketplace renewal notice, or an employer group renewal with a new rate. The quickest way to start is to tell us which of those you are holding. That one detail tells us whether Katie, Kortni or Courtney should take the conversation.
Three starting points, three specialists
Turning 65 or already on Medicare. Katie compares Medicare Advantage, Medicare Supplement and Part D options against your actual doctors and prescriptions. Medicare's Annual Enrollment Period runs October 15 through December 7 each year, and the Initial Enrollment Period lasts seven months around your 65th birthday month (Medicare.gov).
Buying your own coverage. Kortni works with individuals and families shopping the ACA marketplace, including early retirees, self-employed people and anyone between jobs. Open Enrollment on HealthCare.gov runs November 1 through January 15 in Oklahoma; enroll by December 15 for coverage starting January 1 (HealthCare.gov).
Offering benefits to employees. Courtney helps Tulsa-area employers read renewal letters, compare carriers and add dental, vision, life or disability benefits. Small businesses with 1 to 50 employees can also review options through the SHOP marketplace (HealthCare.gov).
Why salaried advisors matter
Because our advisors are salaried rather than commissioned, the plan we walk you through is the one that fits your doctors, prescriptions, budget or payroll. If your current plan still fits, we will tell you that, and you can keep it.
What happens after you reach out
Mary or the right specialist confirms which coverage area you need.
We ask for the documents listed in the FAQ below so the comparison uses your real information.
We review options with you by phone or at our Yale Avenue office, then help with the enrollment paperwork once you decide.
We stay your contact afterward for billing questions, ID cards, claims trouble and next year's review.
Which Spirit Insurance Group advisor should I ask for first?
Ask for Katie with Medicare questions, Kortni with individual and family (ACA marketplace) questions, and Courtney with employer group benefits. If you are not sure which applies, Mary at reception will route your call, and David Harder can step in on any of the three.
Are Spirit Insurance Group advisors paid on commission?
No. Our advisors are salaried, so the recommendation you hear is not tied to which carrier or plan you choose.
What should I have ready before my first call?
For Medicare: your red, white and blue Medicare card, your current plan card, and a list of your doctors and prescriptions with doses. For marketplace coverage: an estimate of next year's household income and everyone's birth dates. For a business: your current renewal letter, a census of eligible employees, and your current plan summary.
Where is the Spirit Insurance Group office?
Our main office is at 7712 S Yale Avenue, Suite 250, Tulsa, OK 74136, and our Bixby office is at 7607 E 126th St S, Suite 12-B, Bixby, OK 74008. The Tulsa office is open Monday through Friday, 8:30am to 5:00pm, and you can reach us at (918) 236-4470 or toll-free at (855) 234-4053.
Is Spirit Insurance Group a licensed agency?
Yes. Spirit Insurance Group is the DBA of Spirit Financial Concepts, Inc., founded in 2010, Oklahoma agency license #10012646. You can look up any agent or agency license through the Oklahoma Insurance Department.
What is the difference between Medicare, the ACA marketplace and group coverage?
Medicare is federal health coverage, mainly for people 65 and older or with certain disabilities. The ACA marketplace at HealthCare.gov sells individual and family plans, with income-based help available to many households. Group coverage is sponsored by an employer for its employees. Each one has its own enrollment windows and rules, which is why we assign a specialist to each.
Updated November 14, 2026.
Clients across Northeast Oklahoma
We have offices in south Tulsa and in Bixby, and our clients live and work throughout the region. Many Medicare and marketplace reviews happen entirely by phone, so distance from Yale Avenue does not limit who we can help. Employers with staff spread across several towns can also put everyone on one group plan, provided the carrier's network fits where those employees see doctors.
Each community page below explains coverage questions specific to that area: which hospital systems residents tend to use, the major employers whose benefits people coordinate with, and the local resources we point clients to.
