Oklahoma Medicare Advantage plans can help residents receive healthcare not covered under their Original Medicare plans.
The total sum of beneficiaries in three major Oklahoma cities–Lawton, Tusla, and Oklahoma City–enrolled in either Part A or Part B Medicare plans is 631,331. There are also 162,538 Medicare Advantage (MA) beneficiaries among these three cities.
Medicare Advantage plans in Oklahoma
Medicare Advantage plans have a few critical differences from Original Medicare plans. Essentially, private carriers provide these plans.
While you must pay for these plans, they sometimes offer benefits or fill gaps left behind by Original Medicare plans. Some of these plans also provide drug prescriptions. Additionally, each program varies between carriers. Seeing what benefits each plan offers is crucial before enrolling.
There are 72 Medicare Advantage plans available in Oklahoma. There’s a much more comprehensive range of programs than the national average, 39. Additionally, a more significant percentage of females participate in Medicare Advantage plans than males.
Medicare Advantage plans availiable
Instead of Medicare Advantage plans, some Oklahoma residents opt for Medicare Supplement plans. However, the federal government’s Medicare Advantage plans don’t become standardized like their Medigap counterparts.
In Oklahoma City, the MA Participation Rate is 23.93%. This percentage can vary by zip code. We’ll be detailing zero-dollar premium Medicare Advantage, zero-dollar drug deductible, and Part B reduction plans.
Medicare Advantage plans with a zero-dollar premium
Recognizing some drawbacks to choosing a zero-dollar Medicare Advantage plan is essential. First, you’ll have more significant out-of-pocket expenses when you utilize your benefits that have a zero-dollar premium.
Humana is an HMO (meaning you have to use physicians within your network) that Oklahoma residents often choose. This plan has a MOOP rate (maximum out-of-pocket) and a four-star rating, along with its zero-dollar premium. In addition, generic medications usually cost only $1 to $4 with this plan.
is also available for residents who prefer a local PPO (a small service area with roughly 2,000 to 5,000 providers). It has a MOOP rate of $4,400 and a four-star rating. This plan also has an “A” financial rating from AM Best.
Communitycare is another HMO with a four-star rating with a total MOOP rate of $4,700. It has a plan made specifically for Seniors.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| Humana | $0 | $5,900 | HMO | 4 |
| Globalhealth | $0 | $3,000 | HMO | 4 |
| $0 | $4,400 | LOCAL PPO | 4 | |
| BCBS of Oklahoma | $0 | $5,900 | LOCAL PPO | N/A |
| Communitycare | $0 | $4,700 | HMO | 4 |
Medicare Advantage plans with a zero-dollar drug deductible
Several Medicare Advantage programs are available with a zero-dollar drug deductible. Humana is available as both an HMO and a local PPO. Both variations have a four-star rating, meaning they have high ratings and satisfied customers. The HMO has a slightly higher MOOP rate ($5,900 compared to $5,700).
BCBS of Oklahoma is another plan that’s available in some regions. As a local PPO, this plan comes with a limited network. Additionally, it has a four-star rating and a MOOP rate of $4,700.
There’s Global health for an HMO with a much lower MOOP rate. Global health’s MOOP rate is only $3,900. All the plans listed have a zero-dollar premium as well.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| Humana | $0 | $5,900 | HMO | 4 |
| Humana | $0 | $5,700 | LOCAL PPO | 4 |
| Globalhealth | $0 | $3,900 | HMO | 4 |
| Communitycare | $0 | $5,900 | HMO | 4 |
| BCBS of Oklahoma | $0 | $4,700 | LOCAL PPO | N/A |
Medicare Advantage plans with a Part B reduction
Some Oklahoma Medicare Advantage plans also come with a Part B reduction. However, it’s essential to remember that these plans vary by zip code, and not every zip code has a Part B reduction.
Humana is still a popular choice for Oklahoma residents. However, this plan comes in different variations, with two offering a $50 Part B reduction, a MOOP rate of $4,500, and $7,550. Another variation has a Part B reduction of $24.00 and a MOOP rate of $3,400. All have a zero-dollar premium.
Aetna also has a zero-dollar premium but has a $40 Part B reduction and a MOOP RATE of $5,000. It also covers dental, vision, and hearing. Through the SilverScript program, Aetna offers Part D coverage.
Lastly, there’s . is a zero-dollar premium plan with a $50.00 Part B reduction, a four-star rating, and a MOOP rate of $4,400. It even offers credit for purchasing medical supplies.
| PLAN | PREMIUM | MOOP | PART B REDUCTION | STAR RATINGS |
| Humana | $0 | $4,500 | $50.00 | 4 |
| $0 | $4,400 | $50.00 | 4 | |
| Humana | $0 | $3,400 | $24.00 | 3 |
| Aetna | $0 | $5,000 | $40.00 | 3 |
| Humana | $0 | $7,550 | $50.00 | 4 |
Ancillary/DVH
Medicare Advantage and Medigap plans aim to cover additional medical expenses not covered under Original Medicare. However, Medicare Advantage plans have benefits that both Medigap and Original Medicare don’t have. These benefits include:
- Prescription drug coverage
- Hearing
- Vision
- Dental
Oklahoma cities with estimated premiums for Medigap coverage
Residents of Oklahoma on Medicare who are considering Medigap plans can see the following charts in the below cities:
FAQs
What is the best Medicare Advantage plan in Oklahoma?
Three popular plans that many consider to be some of the best include:
- Aetna Medicare Premier Plan H2663-034
- HumanaChoice H5216-081
- Medicare Advantage Choice H8768-009
What Medicare Advantage plans are available in Oklahoma?
You can sign up for many Medicare Advantage plans in Oklahoma, including prominent names like Aetna, Humana, and .
As a result, 100% of the total population can acquire a zero-dollar monthly premium Medicare Advantage plan. However, the average monthly premium for a Medicare Advantage plan in Oklahoma is $13.66.
Can you have Medicare and Medicare Advantage at the same time in Oklahoma?
You can still have both coverages at the same time. However, your Medicare Advantage plan covers Part A and Part B before Original Medicare.
In addition, Medicare Advantage covers everything Original Medicare does and Part D prescription drugs (for most plans) and sometimes additional benefits.
What is the difference between a Medicare Supplement and a Medicare Advantage plan in Oklahoma?
There are a few key differences between both plans. Some differences include that a Medicare Supplement plan excludes a Part D plan.
In addition, you have to use an in-network doctor when using a Medicare Advantage plan (or pay out-of-pocket expenses).
Who is eligible for Medicare Advantage in Oklahoma?
People 65 or older or with a particular disability can enroll in a Medicare Advantage plan in Oklahoma. They must do this during the Annual Enrollment period, from October 15 to December 7.
How to get help enrolling in an Oklahoma Medicare Advantage plan
Oklahoma Medicare Advantage plans can be challenging to enroll in, but our team is here to help. Our licensed insurance agents offer free services and work with every carrier to find your best plan. Give us a call today. Or fill out our online rate form to receive the best rates in your area!
