Best Medicare Advantage Plans in Oklahoma (2026)

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Updated: September 12, 2026

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Best Medicare Advantage Providers in Oklahoma

CommunityCare is Oklahoma's best Medicare Advantage option, with a 4-star CMS quality rating, a $4,200 median maximum out-of-pocket limit (MOOP) and coverage in 38 counties. GlobalHealth has the group's lowest median MOOP at $3,900, with a 4-star CMS rating, across 26 counties.   

Blue Cross and Blue Shield of Oklahoma has a 4-star rating and a $4,200 MOOP across 28 counties. Humana covers 66 counties with 13 plans at a $4,900 median MOOP and a 3.5-star CMS rating, below the four-star carriers above. UnitedHealthcare reaches 76 counties with 10 plans at a $5,900 median MOOP, $1,700 above CommunityCare's $4,200. HealthSpring serves six counties at a $6,850 median MOOP, the highest of the six carriers, across two plans.

CommunityCare Senior Health Plan (HMO)
4.5
$4,200
4
38
5
GlobalHealth
4.4
$3,900
4
26
3
Humana
4.2
$4,900
3.5
66
13
Blue Cross and Blue Shield of Oklahoma
4.2
$4,200
4
28
1
UnitedHealthcare
4.1
$5,900
4
76
10
HealthSpring
4
$6,850
3.75
6
2

Oklahoma Medicare Advantage Market Overview

Oklahoma has 52 Medicare Advantage plans from 10 carriers in 2026, with a median of 21 plans per county. Medicare Advantage is private insurance that replaces Original Medicare, the federal hospital and medical coverage for people 65 and older, by bundling those benefits through a private insurer and often adding dental, vision and prescription drugs.

Most plans carry no monthly premium, so the annual maximum out-of-pocket limit, what you pay for covered in-network care before the plan covers 100%, is the more useful cost measure. Oklahoma's statewide median annual out-of-pocket limit is $5,700, with plans ranging from $3,400 to $9,250. Medicare Supplement plans cover Medicare cost-sharing without replacing Original Medicare.

Non-SNP Medicare Advantage plans
52
Oklahoma's 52-plan market gives residents a manageable shortlist without sacrificing meaningful choice.
Carriers
10

10 carriers mean who you go with matters as much as which plan you pick.

CMS contracts
16
Two plans from the same carrier can perform differently across 16 contracts.
Median plans per county
21
Most Oklahoma residents have enough local options without searching statewide.
Medicare Advantage enrollment in non-SNP plans
314,392
Plan ratings draw from more than 314,000 Oklahoma enrollees' in-state claims experience.
Plans with a $0 premium
94%
With 94% of plans at $0 premium, comparison shifts to benefits and out-of-pocket costs.
Median max out-of-pocket (MOOP)
$5,700
Build $5,700 into your annual health budget for worst-case in-network costs.
MOOP range
$3,400–$9,250
Oklahoma's MOOP range creates a $5,850 gap between the lowest and highest annual cost ceiling.
Average CMS star rating
3.70 out of 5
At 3.70 stars, most Oklahoma plans fall short of the CMS four-star quality mark.
Contracts rated 4+ stars
44%
Fewer than half of Oklahoma contracts reach four stars, so individual plan ratings matter.
CommunityCare of Oklahoma

CommunityCare of Oklahoma

MoneyGeek Rating
4.5/ 5
4.9/5Affordability
4.2/5Quality & Member Experience
4.3/5Benefits & Access

  • Median Max Annual Cost Exposure

    $4,200

  • Median CMS Star Rating

    4

  • Counties Served

    38

  • Plans Available

    5
GlobalHealth

GlobalHealth

MoneyGeek Rating
4.4/ 5
4.8/5Affordability
4.2/5Quality & Member Experience
4.1/5Benefits & Access

  • Median Max Annual Cost Exposure

    $3,900

  • Median CMS Star Rating

    4

  • Counties Served

    26

  • Plans Available

    3
Humana

Humana

MoneyGeek Rating
4.2/ 5
4.5/5Affordability
3.8/5Quality & Member Experience
4.5/5Benefits & Access

  • Median Max Annual Cost Exposure

    $4,900

  • Median CMS Star Rating

    3.5

  • Counties Served

    66

  • Plans Available

    13
Blue Cross and Blue Shield of Oklahoma

Blue Cross and Blue Shield of Oklahoma

MoneyGeek Rating
4.2/ 5
4.4/5Affordability
4.1/5Quality & Member Experience
3.8/5Benefits & Access

  • Median Max Annual Cost Exposure

    $4,200

  • Median CMS Star Rating

    4

  • Counties Served

    28

  • Plans Available

    1
UnitedHealthcare

UnitedHealthcare

MoneyGeek Rating
4.1/ 5
3.9/5Affordability
4.1/5Quality & Member Experience
4.6/5Benefits & Access

  • Median Max Annual Cost Exposure

    $5,900

  • Median CMS Star Rating

    4

  • Counties Served

    76

  • Plans Available

    10
HealthSpring

HealthSpring

MoneyGeek Rating
4/ 5
4.1/5Affordability
4/5Quality & Member Experience
3.9/5Benefits & Access

  • Median Max Annual Cost Exposure

    $6,850

  • Median CMS Star Rating

    3.75

  • Counties Served

    6

  • Plans Available

    2

How to Find the Best Oklahoma Medicare Advantage Plans

The best Medicare Advantage plan in Oklahoma depends on your specific doctors, medications and budget.

  1. 1
    Check Your Doctor and Hospital Network

    HMO plans restrict you to in-network providers except for emergencies. PPO plans allow out-of-network access at higher costs. To avoid unexpected medical bills, check your doctor and hospital network before picking a plan.

  2. 2
    Compare Maximum Out-of-Pocket Costs

    The maximum out-of-pocket limit is the most you'll pay annually for covered in-network services. A plan with a $0 premium and a $7,925 MOOP costs $3,725 more per year in worst-case exposure than one with a $0 premium and a $4,200 MOOP.

  3. 3
    Review Prescription Drug Coverage

    Check that your medications appear on the plan's drug list (its formulary) and what cost tier each drug falls in, since higher tiers mean higher copays.

  4. 4
    Evaluate Additional Benefits

    Medicare Advantage plans often provide dental care, vision services, and hearing aids. Many plans also include fitness memberships and transportation to medical appointments.

  5. 5
    Consider CMS Star Ratings

    Review each plan's CMS star rating, which measures quality and performance on a scale of one to five stars. Plans rated four stars or higher are above average.

How Much Does Medicare Advantage Cost in Oklahoma?

Across all three plan types, 94% of Oklahoma Medicare Advantage plans carry no monthly premium, so the maximum out-of-pocket limit matters more for comparing cost. HMOs have a median MOOP of $4,200, HMO-POS plans $5,900 and PPOs $6,625. Choosing a PPO over an HMO adds up to $2,425 more in maximum annual cost exposure in exchange for the flexibility to see out-of-network providers.

Primary care copays are a median $15 per visit across all three plan types. Specialist copays cost $25 for HMOs, $30 for HMO-POS plans and $35 for PPOs. Inpatient hospital copays are a median $290 per day for HMOs, $350 for HMO-POS plans and $375 for PPOs.

Median Monthly Premium
$0
$0
$0
Median Max Out-of-Pocket
$4,200
$5,900
$6,625
Median Inpatient Copay
$290
$350
$375
Median PCP Copay
$15
$15
$15
Median Specialist Copay
$25
$30
$35

*Median cost figures across all 52 non-SNP Oklahoma MA plans, grouped by plan type. All dollar figures rounded to nearest dollar. Source: CMS 2026 data, MoneyGeek analysis.

Oklahoma Medicare Advantage Resources

These free resources help you compare Oklahoma Medicare Advantage plans, check your eligibility and get assistance during enrollment.

  • Oklahoma Insurance Department (OID): Oklahoma's regulator runs a free Medicare counseling program that connects residents with trained advisors who can review plan options, coverage details and enrollment steps at no cost.
  • Medicare Plan Finder: Lets you compare Medicare Advantage plans in your ZIP code by premium, estimated out-of-pocket cost, supplemental benefits and CMS star rating.
  • Medicare.gov: The federal Medicare portal for plan enrollment, Part A and Part B eligibility information and benefit details for all Medicare plan types.
  • Social Security Administration: Manages Medicare eligibility and enrollment. Apply online or find a local SSA office if you need in-person help signing up.
  • Extra Help (Low-Income Subsidy): Federal assistance that lowers Part D prescription drug costs for enrollees who qualify based on income and resources.
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Frequently Asked Questions

Our Methodology

MoneyGeek studied Oklahoma Medicare Advantage carriers for the 2026 plan year. Five CMS data sources generated the scores: the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.   

How We Score Carriers 

Each Oklahoma carrier's MoneyGeek score out of five is the product of three weighted categories.   

  • Affordability (40%): Maximum annual cost exposure comprises annual premiums, the out-of-pocket maximum and inpatient hospital, specialist and primary care costs.
  • Quality and Member Experience (40%): This category gives CMS Star Ratings 60% and CAHPS C26 member ratings 40%. MoneyGeek sources each metric at the contract level.
  • Benefits and Access (20%): Supplemental benefits, including dental, OTC, vision and hearing, take up 50% of this category. County coverage and plan choice per county complete the remaining weight at 30% and 20%.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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