There are currently 493,962 beneficiaries enrolled in Oklahoma Medicare Part D plans.. Of the nearly 500,000 enrollees, 358,062 have a stand-alone prescription drug plan. A total of 140,988 patients chose a Medicare Advantage Prescription Drug plan.

Oklahoma Medicare Part D Plans for 2022

Part D plans are a subtype of Medicare insurance that covers prescription medications. Oklahoma residents can save significantly by getting a standalone plan or choosing a Medicare Advantage plan that offers prescription drug coverage. Top providers offering Part D insurance include Aetna, UnitedHealthcare, and Clear Spring Health.

This article will detail Oklahoma Medicare Part D plans based on premium costs, identify plans with zero-dollar deductibles and gap coverage, and describe those with a low-income subsidy feature.

Part D Plans with the Lowest Premium in Oklahoma

The premium is what you’ll pay for monthly Part D benefits. Medicare Part D premiums range in price depending on plan inclusions and provider. Typically, a lower-premium plan will come with a higher deductible. Plans offering the best performance have a higher star rating, but their costs vary.

Aetna offers a $6.70 premium and a $480 deductible. This plan does not offer gap coverage, but it does have a decent three-star rating. The second-lowest premium is from Wellcare’s three-star plan, at $13 per month. Patients have a $480 deductible and no gap coverage.

Another popular low-premium option is Blue Cross Blue Shield of Oklahoma. With a $21.20 premium, $480 deductible, and a four-star rating, you get excellent performance for the money. However, it doesn’t include gap coverage.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Aetna $6.70 $480 3 No
Wellcare $13.00 $480 3 No
Clear Spring Health $16.40 $480 2 No
BCBS of Oklahoma $21.20 $480 4 No
UnitedHealthcare $22.50 $310 4 Yes

Part D Plans with a Zero-Dollar Deductible in Oklahoma

A deductible is how much you must pay before your coverage begins. Lower deductibles typically result in higher premiums. Patients that frequently need medications may find these plans more suitable.

Wellcare offers a plan with a $69 monthly premium and a zero-dollar deductible. Patients get no gap coverage but still receive decent performance, as indicated by the three-star rating. Aetna provides the next best plan with a $91.30 premium for a zero-dollar deductible; gap coverage is also available in this three-star plan.

Another top plan comes from UnitedHealthcare. Patients pay a $95 monthly premium, a $0 deductible, and get gap coverage. This plan also features a three-star rating.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Wellcare $69.00 $0 3 No
Aetna $91.30 $0 3 Yes
UnitedHealthcare $95.00 $0 3 Yes

Part D Plans with Gap Coverage in Oklahoma

Some Oklahoma Medicare Part D plans include gap coverage. After reaching a specific coverage limit, patients enter Part D’s “donut hole” phase. Most patients can avoid needing gap coverage in Oklahoma, but plans are available for those who do.

UnitedHealthcare offers a four-star gap coverage plan with a $22.50 premium and $310 deductible. Cigna offers another worthwhile option, with a $50 monthly premium and a $100 deductible. You receive gap coverage and decent benefits with a three-star rating.

Another plan from Aetna has no deductible and a three-star rating. It includes gap coverage, and patients pay a $91.30 premium.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
UnitedHealthcare $22.50 $310 4 Yes
Cigna $50.00 $100 3 Yes
BCBS of Oklahoma $89.30 $480 4 Yes
Aetna $91.30 $0 3 Yes
UnitedHealthcare $95.00 $0 3 Yes

Part D Plans with a Low-Income Subsidy in Oklahoma

There are 124,427 Part D beneficiaries eligible for low-income subsidy plans. BCBS of Oklahoma, Cigna, and Aetna are top carriers for this type of plan in Oklahoma.

Blue Cross Blue Shield of Oklahoma offers a plan with a $25.50 monthly premium and a $480 deductible. It features a four-star rating but doesn’t offer gap coverage.

Aetna is another option ideal for low-income patients in Oklahoma. You will have a $480 deductible and a $25.90 monthly premium for three-star rated performance and no gap coverage.

Beneficiaries choose Cigna for its $29.70 premium and $480 deductible; however, the three-star plan does not have gap coverage,

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
BCBS of Oklahoma $25.50 $480 4 No
Aetna $25.90 $480 3 No
Clear Spring Health $27.20 $480 2 No
Wellcare $27.90 $480 3 No
Cigna $29.70 $480 3 No

Amount of Beneficiaries that Fall into each Part D Coverage Phase in Oklahoma

Part D coverage has four different coverage phases. The “donut hole” phase or coverage gap phase occurs after patients reach their coverage limit. The numbers in the following chart indicate the number of beneficiaries in each stage.

Deductible Phase Initial Coverage Phase Coverage Gap Phase Catastrophic Phase
102,467 215,321 61,307 47,610

Oklahoma Cities with Estimated Premiums for Medicare Supplement Plans

The below cities in Oklahoma have charts that show estimated premiums for Medigap plans:

FAQs

What does Medicare Part D typically cost in Oklahoma?

Oklahoma Medicare Part D plans typically cost between $7 and $95 per month. Depending on the coverage’s inclusions, your premium may be closer to $20, or you may pay the full $95 premium. Generally, lower-deductible plans have higher premiums.

Who are Medicare Part D eligible individuals in Oklahoma?

Patients eligible for Medicare Part D in Oklahoma aren’t just people 65 and older. If you have a qualifying disability such as kidney failure, you may be eligible for prescription drug coverage.

What drugs are covered by Medicare Part D in Oklahoma?

Medicare Part D categorizes generic and prescription drugs into four tiers in Oklahoma. Lower levels cover generic prescriptions and brand-name, preferred prescription medication. The third and specialty tiers cover more expensive and non-preferred prescription drugs.

Every carrier will have prescriptions listed in different tiers. It is crucial to review a plan’s formulary before enrolling to ensure they cover your prescription.

How to enroll in Medicare Part D in Oklahoma?

To get prescription drug coverage in Oklahoma, you can add a Medicare drug plan to your existing Medicare plan during annual enrollment. Alternatively, you can join a Medicare Advantage plan or enroll in Medicare Part D’s standalone policy when you turn 65. You can apply and enroll online, by phone, or by mail.

How to choose a Medicare Part D Plan in Oklahoma?

To choose a Medicare Part D plan, consider your medical priorities and financial limitations. Determine what benefits are most important and decide whether you want a low-premium or low-deductible.

Most importantly, choose a Part D plan that offers coverage for your prescription medications.

How to Get Help Signing Up for a Medicare Part D Plan in Oklahoma

When you need help signing up for Medicare Part D in Oklahoma, you require a skilled Medicare expert who knows the ins and outs of prescription medication coverage. That’s why we are available to answer all your questions and help you find the right plan.

Our licensed insurance agents compare all Oklahoma Medicare Part D plans based on your priorities and specific needs. They work with all insurance carriers to determine the best plan for you and help you discover the lowest-cost plans in Oklahoma.

So give us a call. Or complete our convenient online rate form to get the best rates in your area now.

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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.