Oklahoma residents who are eligible for Medicare coverage can choose among various plan options, including Original Medicare, Medicare Advantage, Part D prescription drug plans, and Medicare supplement insurance.

Medicare eligibility in Oklahoma follows the same federal guidelines as elsewhere in the country. To be eligible, a person must be at least 65 years old or living with a qualifying disability or chronic health condition.

Learn more about the options for Medicare coverage as a resident of Oklahoma.

According to the Centers for Medicare & Medicaid Services (CMS), the following are some key figures about Medicare in Oklahoma in 2025.

  • Enrollment: There are 798,559 residents of Oklahoma enrolled in Medicare.
  • Medicare Advantage (Part C): 80 Medicare Advantage plans are available in 2025 compared to 73 the previous year.
  • Part D: 17 stand-alone Part D plans are available to residents of Oklahoma.
  • Extra Help: Roughly 26.4% of people enrolled in a stand-alone Part D plan get Extra Help.

Oklahoma residents have various Medicare coverage options, including Original Medicare, Medicare Advantage, Part D, and Medigap.

Original Medicare in Oklahoma

Individuals eligible for Medicare may enroll in Original Medicare, which comprises Part A (hospital insurance) and Part B (medical insurance). Together, these plans meet the bulk of a person’s healthcare needs.

Part A coverage includes:

  • inpatient hospital care
  • skilled nursing facility care
  • hospice care
  • limited home healthcare

Part B coverage includes:

  • outpatient care from doctors or other healthcare professionals
  • lab and imaging tests
  • durable medical equipment (DME)
  • preventive services

Medicare Advantage plans in Oklahoma

Medicare Advantage plans are an alternative to Original Medicare. These plans include the same level of coverage as parts A and B while offering additional benefits, such as vision, dental, and hearing care. Most Medicare Advantage plans also include prescription drug coverage.

In 2025, the average monthly premium for a Medicare Advantage plan in Oklahoma is $18.49. The lowest available premium is $0. There are 80 different plan options.

Some of the organizations that offer Medicare Advantage plans in Oklahoma include:

  • Aetna Medicare
  • American Health Advantage of Oklahoma
  • Blue Cross and Blue Shield of OK, TX
  • Cigna Healthcare
  • CommunityCare Senior Health Plan
  • GlobalHealth
  • Humana
  • UnitedHealthcare
  • Wellcare

A person can explore Medicare Advantage coverage options by visiting the Medicare website and entering their ZIP code.

To assist people with selecting Medicare Advantage and Part D drug plans, CMS assigns star ratings to all the plans in each state.

In 2025, the Medicare Advantage plan in Oklahoma to receive an overall star rating of 5 is UnitedHealthcare’s UHC Nursing Home Plan. Aetna Medicare and Cigna Healthcare also had plans come in at 4.5 stars.

Part D in Oklahoma

Medicare Part D is prescription drug coverage that individuals can purchase in addition to their Original Medicare or Medicare Advantage coverage (if their plan does not include drug coverage). Private insurance companies offer these plans.

In Oklahoma, there are 17 stand-alone plans available across the state. The exact plans offered to a person will depend on their county.

According to the health policy research group KFF, the average Part D premium cost for plans in Oklahoma was $43.60 in 2024.

Medicare supplement plans in Oklahoma

Private insurance companies also offer Medicare supplement plans, also called Medigap plans, to assist with the out-of-pocket costs of Original Medicare. These costs include deductibles, copayments, and coinsurance.

Medigap plans are not available to people with Medicare Advantage.

Some of the organizations offering Medigap plans in Oklahoma in 2025 include:

  • AFLAC
  • Allstate Health Solutions
  • Farm Bureau Health Plans
  • GPM Health and Life Insurance Company
  • LifeShield National Insurance Company
  • New Era Life Insurance Company
  • State Farm Mutual Automobile Insurance Company
  • Transamerica Life Insurance Company
  • United American Insurance Company

To explore Medigap coverage options, a person can visit the Medicare website and enter their ZIP code.

Medicare resources for residents of Oklahoma

For further information about Medicare plan options, coverage, and costs, consider the following resources:

  • Medicare: Contact Medicare by phone at 800-633-4227 or online. Representatives are available 24/7 to offer support.
  • State Health Insurance Assistance Program (SHIP): SHIP is a state program that offers free, unbiased guidance to Medicare beneficiaries in Oklahoma.
  • Senior Medicare Patrol: This group aims to prevent Medicare fraud and abuse while offering counseling and other resources to older adults. Visit the group on the web or contact it by phone at 800-763-2828.
  • Social Security Administration (SSA): The SSA website has information about signing up, applying for Extra Help, and managing benefits.

Medicare enrollment windows are the same in Oklahoma as in other states. These are important periods during which people can join, switch, or drop coverage:

  • Initial enrollment period: This is a 7-month period that starts 3 months before the month of a person’s 65th birthday. If a person qualifies for Medicare through age, this is their first opportunity to join a plan.
  • Open enrollment period: From October 15 to December 7, people can switch plans or add coverage.
  • General enrollment period: Anyone who misses initial enrollment may enroll during this period.
  • Special enrollment period: Life events that may affect someone’s health insurance status can trigger a special enrollment period.
  • Medicare Advantage open enrollment: From January 1 to March 31, people enrolled in Medicare Advantage plans can switch plans or return to Original Medicare.

Sometimes, Medicare will automatically sign a person up for coverage. This can happen if they have a disability and have received Social Security Disability Insurance for 2 years or have amyotrophic lateral sclerosis (ALS).

People can join a plan by:

When selecting a plan, it’s important to consider factors such as:

  • Cost: Plans will have different out-of-pocket costs to consider, including monthly premiums, annual deductibles, coinsurance, and copayments. Some plans will have annual out-of-pocket maximums, whereas others will not.
  • Choice: While Original Medicare coverage works across the country with any provider who accepts Medicare, Medicare Advantage plans can restrict which providers members may see.
  • Coverage: Consider coverage needs when deciding on a plan. If a person needs benefits such as vision, dental, hearing, or prescription drug coverage, they may require more than Original Medicare alone.
  • Special health concerns: Certain health conditions require tailored insurance plans. A person may wish to consider a special needs plan (SNP) if they have a condition such as diabetes or HIV.

Medicare in Oklahoma follows the same federal guidelines as elsewhere throughout the United States. Residents may enroll in Original Medicare or a Medicare Advantage plan.

Private insurance companies offer the latter, and plan options vary across the state based on the county of residence. A person can also choose to add a Part D plan to cover drug costs or a Medigap plan to help with the expenses of Original Medicare.

Before picking a plan, people may consider their coverage needs, provider preferences, and cost requirements. For assistance, people can contact Medicare, the SSA, or Oklahoma’s SHIP.