Information about Medicare Advantage Plans in Oklahoma

Quick links:

• Average 2019 Costs
• Eligibility & Enrollment
• Finding Top-Rated Plans
• List of Plans Available
  • Plans by Carrier
  • Plans by County
  • Plans by Type
• Local Resources

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.

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.

Or call 1-800-557-6059 1-800-557-6059 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).

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: 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 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.

Or call 1-800-557-6059 1-800-557-6059 TTY Users: 711 24/7 to speak with a licensed insurance agent.

Top-rated Medicare Advantage Plans in Oklahoma 2020

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.

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 2020

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

Or call 1-800-557-6059 1-800-557-6059 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

Learn more about Oklahoma County Medicare Advantage plans.

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.

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

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.

¹ MedicareAdvantage.com's The Best States for Medicare in 2021 report. (Oct. 27, 2020).

² Medicare evaluates plans based on a 5- star rating system.