Medicare Advantage in Oklahoma

Looking for Oklahoma Medicare Advantage Plans? Enter your ZIP below to compare affordable or $0 premium plans in your area.

Oklahoma state

Information about Medicare Advantage Plans in Oklahoma

Quick links:

20 percent of Medicare beneficiaries in Oklahoma were enrolled in a Medicare Advantage (Medicare Part C) plan in 2019.1

There are 767 different Oklahoma Medicare Advantage plans in 2019.1

A licensed insurance agent can help you compare the benefits and costs of Medicare Advantage plans that are available where you live in Oklahoma.

You can also visit the pages below to learn more about other types of Medicare plans:

Average costs of Medicare Advantage in Oklahoma

Oklahoma Medicare Advantage plans had a weighted average premium of $21 per month in 2019.

That average was affected by the 386 plans available in Oklahoma that feature $0 monthly premiums.

  • Average monthly premium cost in 2019 (weighted): $21
  • Average in-network out-of-pocket spending limit: $4,643
  • Average deductible in 2019 (weighted): $44.401

Medicare Advantage plan premiums, out-of-pocket spending limits and other costs can vary depending on where you live and the plan you have.

You can view the 2019 average Oklahoma Medicare Advantage plan monthly premiums by county listed below in this guide.

A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Compare Oklahoma Medicare Advantage plan costs

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Medicare Eligibility & Enrollment

Enrolling in a Medicare Advantage plan in the state of Oklahoma requires first belonging to Original Medicare (Part A and Part B).

In order to sign up for Original Medicare at age 65, you must meet the following requirements:

  • You must be a U.S. citizen or permanent legal resident who has lived in the U.S. for five continuous years.

  • You or your spouse must have worked long enough to be eligible for Social Security or Railroad Retirement benefits.

  • You or your spouse must be government employees or retirees who have not paid into Social Security but have paid Medicare payroll taxes.

You could potentially be eligible to receive Medicare benefits before 65 if:

  • You have been receiving Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.

  • You have ALS (amyotrophic lateral sclerosis, or Lou Gehrig's disease).

  • You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for a certain length of time.

If you have ESRD, you may be able to enroll in a Oklahoma Medicare Special Needs Plan (SNP) that is specifically designed to help meet your health care needs, though you may not be eligible for most other types of Medicare Advantage plans.

How to sign up for a Medicare Advantage Plan in Oklahoma

The first time you may be able to enroll in a Oklahoma Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP).

Medicare Initial Enrollment Period graphic

This seven-month period begins three months before your 65th birthday, includes the month of your birthday and extends for three additional months thereafter. 

You may also be able to sign up for Medicare Advantage during one of the following enrollment periods:

Medicare Advantage Open Enrollment Period graphic

Medicare Advantage Open Enrollment Period: January 1 – March 31

If you're already enrolled in a Medicare Advantage plan, you may switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare during the Medicare Advantage Open Enrollment Period.

This period lasts from Jan. 1 to March 31 every year.

If you return to Original Medicare during this period, you'll be able to join a Medicare standalone prescription drug plan (Medicare Part D).

Medicare AEP graphic

Medicare Annual Enrollment Period (AEP): October 15 – December 7

You may be able to enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another during the Medicare Annual Election Period (also called the Annual Enrollment Period).

AEP lasts from Oct. 15 to Dec. 7 every year.

You may also drop your existing Medicare Advantage plan and return to Original Medicare during this period.

During AEP, you may also join, switch or drop a Medicare Part D plan. 

Medicare Special Enrollment Periods (SEP)

You may potentially be granted a Medicare Special Enrollment Period (SEP) at any time throughout the year, if you meet certain requirements.

A licensed insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Find a Oklahoma Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Top-rated Medicare Advantage Plans in Oklahoma 2019

Each year, the Centers for Medicare & Medicaid Services (CMS) issues Star Ratings for all Medicare Advantage plan. The Star Ratings use a system of one to five stars.2

If a Medicare Advantage plan is rated four or more stars out of five stars, it is considered a top-rated plan for that year.

There are 167 top-rated 2019 Medicare Advantage plans in Oklahoma that are rated four stars or higher.

Medicare Star Ratings
Star Ratings

★★★★★

Excellent

★★★★

Above Average

★★★

Average

★★

Below Average

Poor

The following five categories are evaluated by CMS in order to come up with a plan's Star Rating:

  • Preventive care and health maintenance (screenings, tests, vaccines, etc.)
  • Management of chronic conditions
  • Member experiences and ratings of the plan
  • Member complaints, problems receiving services and member retention
  • Customer service

The Star Rating evaluation information comes from Medicare’s regular monitoring activities as well as plan member surveys.

List of Medicare Advantage Plans Available in Oklahoma in 2019

To view a list of plans offered in your area within Oklahoma, use our plan comparison tool.

Find a Oklahoma Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Private insurance companies offer Medicare Advantage plans in Oklahoma

Depending on where you live in Oklahoma, several insurance carriers may offer Medicare Advantage plans in your area.

Private insurance companies offer Medicare Advantage plans that may be unique to the plan area they serve.

When you’re shopping for Medicare Advantage plans in Oklahoma, you can consider some of the following information as you compare your options:

  • The Medicare Star Ratings can give you an idea of a plan’s overall quality.

  • Agencies like A.M. Best, Moody’s and Standard & Poor’s can provide information about an insurance company’s credit rating and financial standing.

  • Websites such as the Better Business Bureau and Consumer Reports can teach you about a company’s reputation among its customers.

  • You can read through Medicare Advantage plan reviews and testimonials from customers.

Oklahoma Medicare Advantage plans by county

The chart below provides some more information about 2019 Oklahoma Medicare Advantage plans by county.1

  • The highest number of Medicare Advantage plan enrollees were in Tulsa County and Oklahoma County in 2019.

  • Creek County and Tulsa County each featured 13 $0 premium plans in 2019, which was the highest of any county in the state.
2019 OK Medicare Advantage by County
County Total of County MA Enrollees % of Medicare Beneficiaries Enrolled in MA Number of Plans Available Number of $0 Premium Plans Available % Enrolled in a $0 Premium Plan
Adair 492 10% 13 7 97.6%
Alfalfa 58 5% 5 3 93.3%
Atoka 195 6% 4 1 1.1%
Beaver 34 3% 2 1 50.0%
Beckham 255 6% 4 1 0.6%
Blaine 118 5% 5 3 67.7%
Bryan 779 8% 4 1 0.3%
Caddo 461 7% 8 4 84.4%
Canadian 6313 27% 20 11 46.6%
Carter 988 9% 4 3 99.8%
Cherokee 1277 13% 15 8 97.4%
Choctaw 298 7% 4 1 0.6%
Cimarron 17 3% 3 1 33.3%
Cleveland 10466 22% 18 9 50.7%
Coal 70 6% 4 1 2.1%
Comanche 1731 9% 7 3 42.9%
Cotton 89 6% 5 3 88.2%
Craig 529 13% 24 12 78.3%
Creek 5557 33% 24 13 34.2%
Custer 408 8% 7 3 42.9%
Delaware 2086 18% 10 4 99.0%
Dewey 64 6% 10 5 50.0%
Ellis 34 4% 2 1 50.0%
Garfield 1063 8% 6 4 92.7%
Garvin 857 13% 7 4 92.6%
Grady 2079 19% 17 8 90.7%
Grant 51 4% 5 3 91.3%
Greer 31 2% 2 1 50.0%
Harmon 24 4% 2 1 50.0%
Harper 26 3% 3 1 33.3%
Haskell 422 12% 13 6 95.3%
Hughes 456 13% 11 6 83.8%
Jackson 201 4% 4 1 1.0%
Jefferson 124 8% 6 4 96.4%
Johnston 232 9% 10 5 61.4%
Kay 1313 12% 8 4 98.6%
Kingfisher 346 11% 17 9 87.9%
Kiowa 220 9% 10 5 50.0%
Latimer 279 10% 6 2 83.1%
Le Flore 1997 17% 8 4 99.5%
Lincoln 1736 22% 15 8 78.6%
Logan 2136 24% 20 11 59.9%
Love 203 8% 6 3 57.5%
Major 88 5% 5 3 95.2%
Marshall 401 9% 5 2 97.1%
Mayes 1843 19% 17 8 62.3%
McClain 1231 15% 16 7 86.7%
McCurtain 501 6% 4 1 0.3%
McIntosh 875 13% 20 11 87.2%
Murray 237 7% 5 3 97.5%
Muskogee 2421 15% 24 12 72.3%
Noble 189 7% 11 6 89.1%
Nowata 325 12% 18 10 55.6%
Okfuskee 345 12% 6 4 91.9%
Oklahoma 35582 26% 20 11 54.2%
Okmulgee 1873 19% 15 8 89.6%
Osage 2572 24% 22 12 31.7%
Ottawa 1444 17% 10 4 98.4%
Pawnee 568 13% 11 6 84.5%
Payne 904 7% 7 3 42.9%
Pittsburg 1394 13% 12 7 91.7%
Pontotoc 514 6% 5 3 78.8%
Pottawatomie 3843 24% 18 9 60.7%
Pushmataha 319 9% 10 5 84.8%
Roger Mills 29 4% 3 1 6.7%
Rogers 4478 23% 16 8 58.2%
Seminole 959 16% 16 7 88.7%
Sequoyah 2019 20% 9 4 99.3%
Stephens 1453 12% 7 3 42.9%
Texas 102 4% 2 1 50.0%
Tillman 80 4% 5 3 88.9%
Tulsa 38814 33% 25 13 29.7%
Wagoner 5094 32% 24 12 26.1%
Washington 1211 10% 9 5 20.8%
Washita 115 5% 3 1 1.6%
Woods 68 4% 5 3 86.7%
Woodward 167 4% 4 1 0.9%

OK Medicare Advantage enrollees by plan type

The chart below illustrates the percentage of 2019 Oklahoma Medicare Advantage enrollees that are enrolled in each primary type of Medicare Advantage plan.1

Plan type Percentage of Oklahoma enrollees (2019)
HMO 80.2%
Local PPO 17.8%
PFFS 1.8%
Regional PPO <1%

The major types of Medicare Advantage plans include:

  • HMO
    If you have a Medicare Health Maintenance Organization (HMO) plan, you are usually required to use health care providers and pharmacies that are part of the plan’s network (except in the case of emergencies).

    You are also typically required to get a referral from a primary care doctor in order to see a specialist.

  • PPO
    If you have a Preferred Provider Organization (PPO) plan, you may able to see providers outside of their plan’s network, though at a higher cost.

    PPO plans typically do not require you to acquire a referral before visiting a specialist.

  • PFFS
    If you have a Private Fee-For-Service (PFFS) plan, the plan will determine how much it pays for your services at the time that you receive them.

    With most PFFS plans, you can typically visit any provider who accepts Medicare as well as your plan terms. Not all providers will accept a PFFS plan's terms.

  • SNP
    A Special Needs Plan (SNP) is a type of Medicare Advantage plan limited to people with certain chronic conditions and other specific characteristics, such as being dual eligible for Medicare and Medicaid.

Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2019 Oklahoma Medicare Advantage plans that are available where you live.

Local health insurance resources in Oklahoma

  • The Senior Health Insurance Counseling Program is a non-profit organization in Oklahoma that is dedicated to providing free and objective assistance to the state’s Medicare beneficiaries.

    The Oklahoma SHICP aim to help older adults better understand their insurance and make better use of their Medicare coverage. The program may be reached at 800-763-2828.     

  • You can also explore more information about the insurance industry in Oklahoma by visiting the state’s Department of Insurance website.

  • Oklahoma Prescription Drug Assistance Programs
    The state of Oklahoma has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.