There are 35,027 enrollees in Part A and B Medicare in Lawton, Oklahoma. But of that 35,000+, only 12.7% have a Medicare Advantage plan, one of the most popular Medicare Supplement options nationwide. Lawton residents can boost their Original Medicare in several different ways with a choice of various programs.

Supplemental Medicare Plans in Lawton, Oklahoma

Medicare Advantage isn’t the only supplemental Medicare in Lawton, Oklahoma. Private insurance companies in the city also offer Medicare Part D and supplements called Medigap plans. In the charts below, we’ll look at what each does and what the average 65-year-old man pays for them.

Cheapest Medicare Advantage Plans in Lawton, OK

Roughly 4,460 Lawton, OK, residents have a Medicare Advantage plan and account for that 12.7% enrollment rate. That percentage is considerably lower than the 42.1% national average, but not for lack of availability. Comanche County has 15 different Medicare Advantage plans available, more than many other Oklahoma counties for Part C.

There are several affordable options for affordable Medicare in Lawton, OK, as well. Humana offers one of the cheapest: a Local PPO plan with a $0 premium and a $3,400 maximum out-of-pocket (MOOP) payment.

Humana offers a similar plan with no premium payments and a slightly higher $4,500 MOOP rate, but this plan has a four-star rating, a metric that grades a Medicare plan’s effectiveness from one to five.

That second Humana plan is nearly identical to a Local PPO option from United Health Care with a $0 premium, a four-star rating, and a slightly lower $4,400 MOOP rate.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $4,500 LOCAL PPO 4
UnitedHealthcare $0 $4,400 LOCAL PPO 4
Humana $0 $5,900 LOCAL PPO 3
UnitedHealthcare $0 $5,900 LOCAL PPO 4
Humana $0 $3,400 LOCAL PPO 3

Affordable Medicare Supplement Plans in Lawton, OK

Medicare Supplement plans, also called Medigap plans, offer Lawton, Oklahoma, enrollees insurance for medical treatments they don’t have with basic Medicare Parts A and B.

Even though private insurance companies provide Medigap coverage in Oklahoma, the federal government standardizes every plan so that the benefits are constant regardless of where you enroll.

But even though every provider’s Medigap coverage is the same, the prices of the premiums vary significantly. For example, Plan F, one of the most popular Medigap policies in Lawton, OK, ranges from $130.06 to $479.96. Though it’s one of the most expensive plans, it offers the most extensive benefits of any supplemental Medicare in Lawton, Oklahoma.

Plan G is a similar, slightly more affordable option. It offers nearly as many benefits as Plan F but ranges from $112.69 to $414.51.

Plan N is one of Lawton’s favorite budget-friendly Medigap options. Though not as extensive as Plan F or Plan G, it still has several vital healthcare benefits, and the lowest premium available in the city is $81.18.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $101.44 $1,205.50
PLAN B $131.03 $388.31
PLAN C $138.23 $467.06
PLAN D $126.00 $428.43
PLAN F $130.06 $479.96
PLAN HDF $37.85 $85.46
PLAN G $112.69 $414.51
PLAN HDG $38.43 $83.35
PLAN K $59.58 $143.12
PLAN L $72.83 $229.77
PLAN M $87.77 $266.49
PLAN N $81.18 $408.13

Average Medicare Part D in Lawton, OK

Part D Medicare in Oklahoma is an optional, standalone plan that provides insurance coverage for prescription drugs. Many Original Medicare users sign up for Part D since most Medicare Advantage plans don’t cover prescriptions, and Medicare Part B only covers a handful.

Aetna’s $6.70 premium Part D plan is one of Lawton’s most affordable, although it includes a $480 deductible charge.

UnitedHealthcare offers a budget-friendly deductible of $310, one of the cheapest of all Lawton Part D plans. However, their premium is slightly higher than other providers’ at $22.50.

Clear Spring Health’s $16.40 premium, $480 deductible plan is another option, but its two-star rating might concern some enrollees.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $6.70 $480 3
WellCare $13.00 $480 3
Clear Spring Health $16.40 $480 2
BCBS of Oklahoma $21.20 $480 4
UnitedHealthcare $22.50 $310 4

Medicare Special Needs Plans in Lawton, OK

Enrollees with medical disabilities can sign up for Medicare Special Needs plans in Lawton, Oklahoma. These plans have unique coverage for those who need specialized medical treatment, but these plans aren’t available in all areas.

Humana has a $0 premium Special Needs Local PPO Plan in Lawton, OK, including dual-eligibility and a $3,450 MOOP rate.

UnitedHealthcare has a similar $0 premium HMO plan with a higher $7,550 MOOP rate.

The final Special Needs Plan in Lawton, Oklahoma, comes from American Health. It’s the only option with institutional eligibility but has a $30.90 premium and a $7,550 MOOP.

PLAN PREMIUM MOOP Plan Type Eligibility
Humana $0 $3,450 LOCAL PPO Dual
UnitedHealthcare $0 $7,550 HMO Dual
American Health $30.90 $7,550 HMO Institutional

FAQs

What are the four types of Medicare Advantage plans in Lawton, OK?

HMO plans, PPO plans, Fee-For-Service plans, and Special Needs Plans are the four most common options for Medicare Advantage in Lawton, Oklahoma. You can learn more about each of them here.

Do I automatically get Medicare when I turn 65 in Lawton, OK?

If you already collect Social Security benefits before you turn 65, the Social Security Administration will automatically sign you up for Medicare Parts A and B. If you don’t collect Social Security benefits before you turn 65, you will have to enroll yourself. However, applying is easy, and Social Security will mail instructions three months before your 65th birthday.

Who qualifies for Medigap insurance in Lawton, OK?

Anyone 65 or older with Medicare Part A and Part B in Oklahoma qualifies for all Medigap plans. However, some providers allow you to enroll in Medigap before age 65 if you have a qualifying medical disability.

How much is Medigap Plan G in Lawton?

Most Plan G premium payments range from $98 to $343 in Lawton, OK. However, if you enroll in a high-deductible plan, your premiums can cost as little as $27.

Is Medicare Part A free in Lawton, OK?

Medicare Part A is free if you or your spouse worked for at least ten years as a federal government employee after March 31, 1986. You’re still eligible for premium discounts if you worked for the federal government for less than a decade.

How to Sign Up for Supplemental Medicare in Lawton

There are several options for additional Medicare in Lawton, Oklahoma, to give you the coverage you need to live a healthier, more comfortable life. But sorting through them can be a nightmare between the varying plans, prices, and providers.

We make finding the perfect Medicare supplements easy. Our team of licensed insurance agents sorts through all insurance providers in Lawton for free to find you the best prices on the plans you need.

Call us today, or complete our online rate form to get rates in your part of Lawton, Oklahoma.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.