Updated: February 14, 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-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) |
| HMO | GlobalHealth | 4.00 | $0 | $3,900 | Generations Classic Plus (HMO) |
Medicare Advantage Plans Explained
Medicare Advantage plans offer an alternative to Original Medicare by bundling hospital and medical coverage through private insurers.
Best HMO
CMS Star Rating
Plan Types
Best HMO-POS
CMS Star Rating
Plan Types
HMO Medicare Advantage plans have maximum out-of-pocket (MOOP) limits from $3,900 to $6,900, averaging $4,868 across 10 plans from six providers. The average CMS star rating is 3.7, with four plans earning 4 stars or higher. All plans include drug coverage.
| Humana | 3.50 | $0 | $4,213 | 2 | 4.5 |
| Blue Cross Blue Shield | 3.50 | $0 | $4,200 | 1 | 4.4 |
| CommunityCare Senior Health Plan (HMO) | 3.50 | $40 | $4,867 | 3 | 3.6 |
| GlobalHealth | 4.00 | $0 | $3,900 | 2 | 5 |
| Aetna | 4.00 | $0 | $6,750 | 1 | 4.51 |
| Cigna HealthCare | 4.00 | $0 | $6,900 | 1 | 4.38 |
You have to stay in the network and get referrals to specialists. But you'll benefit from lower premiums, reduced out-of-pocket costs, and coordinated care that keeps your health care organized.
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 | 4.5 |
| UnitedHealthcare | 4.00 | $14 | $5,417 | 5 | 4 |
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.
| Blue Cross Blue Shield | 3.00 | $60 | $5,369 | 5 | 3.79 |
| Cigna HealthCare | 3.00 | $0 | $6,800 | 1 | 3.75 |
| Aetna | 3.50 | $2 | $6,664 | 2 | 4.34 |
| UnitedHealthcare | 3.50 | $21 | $6,417 | 3 | 4.18 |
| Humana | 3.99 | $0 | $7,925 | 8 | 5 |
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.
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. 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.
Check that your medications appear on the plan's drug formulary and understand their tier placement.
Medicare Advantage plans often provide dental care, vision services, hearing aids, fitness memberships and transportation to medical appointments.
Review each plan's CMS star rating, which measures quality and performance on a scale of one to five stars.
Network design affects 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. PFFS plans are the most expensive, with $37 monthly premiums and $6,800 MOOP.
| HMO | $0 | $12 | $4,868 |
| HMO-POS | $0 | $12 | $5,100 |
| PPO | $0 | $25 | $6,312 |
| PFFS | $37 | $37 | $6,800 |
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.
Yes, most Medicare Advantage plans in Oklahoma provide prescription drug coverage as part of their benefits.
Moving within Oklahoma may require changing your Medicare Advantage plan since networks vary by county.
We assessed Medicare Advantage plans in Oklahoma using three core criteria:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!
