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.

Oklahoma Medicare Advantage Plans

Medicare Advantage plans have a few critical differences from Original Medicare plans. Essentially, private carriers provide these plans.

While you need to 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 plan varies between carriers. Seeing what benefits each plan offers is crucial before enrolling.

As of 2022, there are 72 Medicare Advantage plans available in Oklahoma. This is a much more comprehensive range of plans than the national average, 39. Additionally, a greater percentage of females participate in Medicare Advantage plans than males.

Medicare Advantage Plans Offers in Oklahoma

Instead of Medicare Advantage plans, some Oklahoma residents opt for Medigap 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 plans, zero-dollar drug deductible plans, and Part B reduction plans.

Medicare Advantage Plans with a Zero Dollar Premium in Oklahoma

It’s essential to recognize some drawbacks to choosing a zero-dollar Medicare Advantage plan. First, you’ll have greater 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 often cost only $1 to $4 with this plan.

UnitedHealthcare 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 that has a four-star rating. Its total MOOP rate is $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
UnitedHealthcare $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 in Oklahoma

Several Medicare Advantage programs are available with a zero-dollar drug deductible. Humana is available as both an HMO and 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 in Oklahoma

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 Silver Script program, Aetna offers Part D coverage.

Lastly, there’s UnitedHealthcare. UnitedHealthcare 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
UnitedHealthcare $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

Both 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 being some of the best includes:

  • Aetna Medicare Premier Plan H2663-034
  • HumanaChoice H5216-081
  • AARP 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 UnitedHealthcare.

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 that Original Medicare does and Part D prescription drugs (for most plans) and sometimes additional benefits.

What is the difference between a Medicare supplement plan and a Medicare Advantage plan in Oklahoma?

There are a few key differences between both plans. Some differences include that a Medicare supplement plan doesn’t come with 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 who have a particular disability are eligible to enroll in a Medicare Advantage plan in Oklahoma. They must do this during the Open 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 difficult to enroll in, but our team is here to help. Our licensed insurance agents offer free services and work with every carrier to find the best plan for you. Give us a call today. Or fill out our online rate form to receive the best rates in your area!

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.