There are 493,962 beneficiaries enrolled in Oklahoma Medicare Part D plans, and of the nearly 500,000 enrollees, 358,062 have a standalone prescription drug plan. A total of 140,988 patients chose a Medicare Advantage Prescription Drug plan.
Oklahoma Medicare Part D plans for 2024
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. Part D insurance providers 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. Programs 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 has a decent three-star rating. Wellcare’s three-star plan is the second-lowest premium, at $13 monthly. Patients have a $480 deductible and no gap coverage.
Another popular low-premium option is Blue Cross Blue Shield of Oklahoma. You get excellent performance for the money with a $21.20 premium, $480 deductible, and a four-star rating. 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
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 $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, and 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
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, while Cigna offers another worthwhile option: 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
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 $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, 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 following chart indicates 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?
In Oklahoma, patients eligible for Medicare Part D aren’t just people 65 and older. You may qualify for prescription drug coverage if you have a qualifying disability such as kidney failure.
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. Reviewing a plan’s formulary before enrolling is crucial to ensure they cover your medications.
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?
Consider your medical priorities and financial limitations to choose a Medicare Part D plan. Determine the essential benefits 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’re 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.
