Updated: January 23, 2026
Advertising & Editorial Disclosure
Seven providers offer 36 Medicare Advantage plans in Oklahoma with premiums from $0 to $159 and maximum out-of-pocket limits from $3,700 to $9,250.
Humana is the best Medicare Advantage company in Oklahoma for PPO and HMO-POS plans, while GlobalHealth has the best HMO options.
When selecting a Medicare Advantage plan in Oklahoma, consider the doctors and hospitals you want to access, your prescription drug needs and your budget for premiums and out-of-pocket costs.
We analyzed the best Medicare Advantage plans in Oklahoma to identify top providers by plan type, considering CMS star ratings, premiums, and maximum out-of-pocket (MOOP) costs.
GlobalHealth leads HMO coverage with a solid 4.0-star CMS rating, $0 monthly premiums, and an average $3,900 MOOP, while Humana is our top choice for HMO-POS and PPO plans.
| HMO | GlobalHealth | 4.00 | $0 | $3,900 | Generations Classic Plus (HMO) |
| HMO-POS | Humana | 3.00 | $0 | $3,700 | Humana Gold Plus H5619-111 (HMO-POS) |
| PPO | Humana | 3.99 | $0 | $7,925 | HumanaChoice Giveback H7617-056 (PPO) |
Medicare Advantage Plans Explained
Medicare Advantage plans offer an alternative to Original Medicare by bundling hospital and medical coverage through private insurers. These plans include extra benefits like dental, vision, and prescription drugs that traditional Medicare doesn't cover.
Best HMO
CMS Star Rating
Plan Types
Best HMO-POS
CMS Star Rating
Plan Types
HMO Medicare Advantage plans offer predictable costs, with maximum out-of-pocket (MOOP) limits ranging from $3,900 to $6,900, averaging $4,868 across 10 plans from six providers. Most plans (eight) charge $0 monthly premiums, making them accessible for seniors on fixed incomes. The average CMS star rating is 3.7, with four plans earning 4 stars or higher. All plans include enhanced Part D drug coverage.
| GlobalHealth | 4.00 | $0 | $3,900 | 2 | 5.00 |
| Aetna | 4.00 | $0 | $6,750 | 1 | 4.51 |
| Humana | 3.50 | $0 | $4,213 | 2 | 4.50 |
| Blue Cross Blue Shield | 3.50 | $0 | $4,200 | 1 | 4.40 |
| Cigna HealthCare | 4.00 | $0 | $6,900 | 1 | 4.38 |
| CommunityCare Senior Health Plan (HMO) | 3.50 | $40 | $4,867 | 3 | 3.60 |
HMO Medicare Advantage plans require you to stay within a provider network and get referrals for specialists, which limits your flexibility in choosing doctors. However, you'll benefit from lower premiums, reduced out-of-pocket costs, and coordinated care that keeps your healthcare organized. These plans work well for Oklahoma residents who want predictable expenses and don't mind having a primary care doctor manage their healthcare needs.
HMO-POS plans offer valuable out-of-network flexibility, though at slightly higher costs than standard HMOs. The state has six plans from two providers, with most (four) charging $0 monthly and an average premium of $12. Maximum out-of-pocket (MOOP) limits range from $3,700 to $6,700, averaging $5,100. All plans include Part D coverage and enhanced benefits, with an average CMS star rating of 3.83.
| Humana | 3.00 | $0 | $3,700 | 1 | 4.50 |
| UnitedHealthcare | 4.00 | $14 | $5,417 | 5 | 4.00 |
HMO-POS plans suit people who want coordinated, affordable care but occasionally need flexibility to visit specialists outside their network. These hybrid plans let you see out-of-network providers when needed while keeping most of the cost benefits of standard HMO plans, though out-of-network care costs more.
Oklahoma residents have access to 19 PPO plans from five providers, averaging $25 per month, with 11 plans charging $0 premiums. Maximum out-of-pocket (MOOP) limits range from $3,700 to $9,250, averaging $6,311.
| Humana | 3.99 | $0 | $7,925 | 8 | 5.00 |
| Aetna | 3.50 | $2 | $6,664 | 2 | 4.34 |
| UnitedHealthcare | 3.50 | $21 | $6,417 | 3 | 4.18 |
| Blue Cross Blue Shield | 3.00 | $60 | $5,369 | 5 | 3.79 |
| Cigna HealthCare | 3.00 | $0 | $6,800 | 1 | 3.75 |
PPO Medicare Advantage plans work well for frequent travelers and people who want to keep their current doctors without switching networks. You'll get the greatest flexibility to choose any Medicare provider without referral requirements, plus access to both in-network and out-of-network care. But you pay higher monthly premiums and out-of-pocket maximums compared to HMO plans.
The best Medicare Advantage plan in Oklahoma depends on your specific doctors, medications and budget.
Verify that your current doctors, specialists and preferred hospitals participate in the plan's network. HMO plans restrict you to in-network providers except for emergencies, while PPO plans allow out-of-network access at higher costs. Learn more about health insurance network types.
The maximum out-of-pocket limit shows the most you'll pay annually for covered services, giving you a clearer picture of potential costs. A plan with a $0 premium but $7,833 maximum out-of-pocket could cost more than one with a $29 premium and $6,750 limit if you need regular medical care in Oklahoma City or Tulsa.
Check that your medications appear on the plan's drug formulary and understand their tier placement. Lower tiers mean lower copayments, while higher tiers cost more out of pocket. Most Medicare Advantage plans include Part D prescription coverage, though some require separate enrollment. Pay special attention to any prior authorization requirements for your specific medications.
Medicare Advantage plans often provide dental care, vision services, hearing aids, fitness memberships and transportation to medical appointments. Compare which benefits each plan offers and match them to your specific health priorities.
Review each plan's CMS star rating, which measures quality and performance on a scale of one to five stars. These ratings evaluate factors like member satisfaction, health outcomes and customer service quality. Plans with four or five stars deliver better care coordination, faster customer support and improved health results.
Network design drives Medicare Advantage costs in Oklahoma. Plans with narrower networks generally have lower premiums and out-of-pocket limits, while broader networks increase costs.
HMO plans offer the most affordable coverage, with $0 median premiums and $4,868 average maximum out-of-pocket (MOOP). HMO-POS plans also have $0 median premiums but higher MOOPs at $5,100, providing limited out-of-network access. PPO plans average $25 per month with $6,312 MOOP, offering greater network flexibility. PFFS plans are the most expensive, with $37 monthly premiums and $6,800 MOOP, reflecting their fee-for-service structure and broader provider access.
| HMO | $0 | $12 | $4,868 |
| HMO-POS | $0 | $12 | $5,100 |
| PFFS | $37 | $37 | $6,800 |
| PPO | $0 | $25 | $6,312 |
Get answers about Oklahoma Medicare Advantage coverage:
In Oklahoma, enroll during the Annual Enrollment Period (Oct. 15 to Dec. 7) or the Medicare Advantage Open Enrollment Period (Jan. 1 to March 31). You may also enroll during a Special Enrollment Period if you qualify due to circumstances like relocating or losing other coverage.
Yes, most Medicare Advantage plans in Oklahoma provide prescription drug coverage as part of their benefits. Before enrolling, confirm your medications appear on the plan's formulary and understand their tier levels, which directly impact your out-of-pocket costs at the pharmacy.
Moving within Oklahoma may require changing your Medicare Advantage plan since networks vary by county. Contact your current plan within 30 days of relocating to verify coverage in your new area. You can use a Special Enrollment Period to switch plans if needed.
We assessed Medicare Advantage plans in Oklahoma using three core criteria:
These factors create a fair comparison of Medicare Advantage plans, weighing costs against care quality and service.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
