Best Medicare Supplement Plans in Oklahoma (2026)

Key Takeaways

Plans B, C, D and M from Farm Bureau Insurance offer the most affordable Medigap rates among Oklahoma's most popular policies, saving residents $18 to $394 monthly versus state averages.

United American, MedMutual Protect and Transamerica provide the lowest rates for Plans A, F, G, K, L and N across the state.

At age 65, Oklahoma residents pay $33 to $1066 monthly for Medicare Supplement coverage based on coverage level.

Best Cheap Medicare Supplement Companies in Oklahoma

Our analysis of Medigap providers in Oklahoma found strong financial protection across 10 standardized plan types. Seniors aged 65 can expect monthly premiums from $77 to $152, with multiple carriers competing for the lowest rates in each category.

Farm Bureau Insurance offers the best pricing for four popular plans: Plan M costs $84 per month, Plan D runs $104 monthly, Plan C averages $112 each month and Plan B sits at $152 per month. United American provides Plan A, while MedMutual Protect handles Plans F, G and N with competitive premiums. Transamerica rounds out the affordable options with Plans K and L coverage.

These low-cost choices save Oklahoma beneficiaries $18 to $394 monthly compared to average state rates.


United American	A	$110	$394	Attained Age Pricing
Farm Bureau Insurance	B	$152	$85	Attained Age Pricing
Farm Bureau Insurance	C	$112	$153	Attained Age Pricing
Farm Bureau Insurance	D	$104	$79	Attained Age Pricing
MedMutual Protect	F	$152	$152	Attained Age Pricing
MedMutual Protect	G	$136	$108	Attained Age Pricing
Transamerica	K	$77	$18	Issue Age Pricing
Transamerica	L	$114	$24	Issue Age Pricing
Farm Bureau Insurance	M	$84	$54	Attained Age Pricing
MedMutual Protect	N	$96	$108	Attained Age Pricing

*These rates reflect Medigap premiums for 65-year-olds.

Farm Bureau

MoneyGeek Rating

4.0/ 5

4.9/5Affordability

3.6/5Pricing Style

2.7/5Plan Availability

Average Plan G Rate
$294
Plan Types
A, B, C, D, F, G, M, N

pros
- Best Plan C rates in Oklahoma ($112/month)
- Best Plan M rates in Oklahoma ($84/month)
- Competitive pricing on four popular plan types
cons
- Attained Age Pricing means premiums increase with age
- No cost-sharing plans (K or L)
The company ranks first for Plan C at just $112 monthly, saving seniors $153 compared to other providers, and offers the most affordable Plan M at $84 per month. Farm Bureau Insurance also leads pricing for Plan B at $152 monthly and Plan D at $104 monthly, giving Oklahoma seniors strong value across eight total plan types, including A, B, C, D, F, G, M and N.

Farm Bureau Insurance uses premiums that increase with age (Attained Age Pricing), reflecting rising health care costs for older individuals. The company's biggest advantage is personalized service through local agents who understand the specific needs of Oklahoma seniors. Farm Bureau Insurance holds an AM Best rating of A (Excellent), indicating strong financial stability for long-term coverage security.

United American

MoneyGeek Rating

4.9/ 5

4.8/5Affordability

5/5Pricing Style

5/5Plan Availability

Average Plan G Rate
$193
Plan Types
A, B, C, D, F, G, K, L, N

pros
- Best Plan A rates in Oklahoma ($110/month)
- Wide range of supplemental plans available
- Issue Age Pricing locks in rates based on enrollment age
cons
- No Plan G options available
- No high-deductible plan options
United American offers one of the most comprehensive Medicare Supplement lineups in Oklahoma with nine plan types, including A, B, C, D, F, G, K, L and N. The company has provided Medicare Supplement insurance since 1966 and ranks first for Plan A at just $110 monthly, saving Oklahoma seniors $394 compared to other options. With premiums ranging from $38 to $362, United American provides coverage options for different budgets.

United American uses Attained Age Pricing, which means premiums increase with age as you get older. The company's biggest advantage is its comprehensive coverage options that include additional benefits beyond standard Medicare Supplement plans. United American has an AM Best rating of A (Excellent), indicating strong financial stability for long-term coverage security.

MedMutual

MoneyGeek Rating

4.5/ 5

4.9/5Affordability

4.4/5Pricing Style

4/5Plan Availability

Average Plan G Rate
$136
Plan Types
A, D, F, G, N

pros
- Best Plan F rates in Oklahoma ($152/month)
- Best Plan G rates in Oklahoma ($136/month)
- Competitive Plan N pricing ($96 per month)
cons
- Doesn't offer Plans B, C, K, L or M
- Attained Age Pricing means your premiums increase with age
MedMutual Protect has competitive rates across multiple plan types, backed by its parent company, Medical Mutual of Ohio. The company holds the top position for Plan F at $152 monthly, Plan G at $136 monthly and Plan N at just $96 monthly, providing savings compared to other insurers. MedMutual Protect offers five total plan types, including A, D, F, G and N, giving Oklahoma seniors a range of coverage options to match their health care needs and budgets.

Premiums increase with age (Attained Age Pricing), which means your monthly costs will rise as you get older to reflect higher health care expenses. MedMutual Protect's biggest strength is its wide range of customizable plans. The company maintains an AM Best rating of A (Excellent), indicating strong financial stability and the ability to pay claims reliably over time.

Transamerica

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.6/5Pricing Style

4.4/5Plan Availability

Average Plan G Rate
$162
Plan Types
A, B, C, D, F, G, K, L, M, N

pros
- Best rates for cost-sharing Plans K and L
- All plan types available
- Strong financial stability with good ratings
cons
- Attained Age Pricing means your premiums increase with age
Transamerica is the only Medigap company in Oklahoma providing all 10 standardized plan types, building on over a century of experience in the insurance industry. The company holds the best rates for both cost-sharing plans, with Plan K at just $77 monthly and Plan L at $114 monthly, saving Oklahoma seniors $18 and $24, respectively, compared to state averages. Transamerica's complete lineup includes Plans A, B, C, D, F, G, K, L, M and N, with premiums ranging from $77 to $395 for different coverage levels.

Transamerica uses Attained Age Pricing, which means premiums increase as you age to reflect rising health care costs over time. One of Transamerica's key advantages is its comprehensive coverage options that include wellness programs and preventive care services beyond standard Medicare Supplement benefits. The company maintains an AM Best rating of A (Excellent).

Find Oklahoma Medicare Supplement Plans That Fit Your Needs

Your specific needs may differ from the most popular choices above. Explore the filterable table below to find the Oklahoma Medicare Supplement company that matches your specific situation.

Data filtered by:


MedMutual Protect	G	No	65	$136	$0	No Data
Nassau	G	No	65	$141	$0	No Data
LifeShield National	G	No	65	$148	$0	No Data
USAA	G	No	65	$151	$0	No Data
State Farm	G	No	65	$152	$0	No Data
Government Personnel Mutual	G	No	65	$154	$0	No Data
American Benefit	G	No	65	$157	$0	No Data
Wisconsin Physicians Service	G	No	65	$159	$0	No Data
New Era	G	No	65	$159	$0	No Data
Old Surety	G	No	65	$160	$0	No Data

Oklahoma Medicare Supplement Plan Cost

For 65-year-olds in Oklahoma, Medicare Supplement insurance costs range from $95 to $504 monthly, based on which plan you choose. The state's most popular Plan G averages $244 per month, balancing comprehensive coverage with mid-range pricing that appeals to many seniors.

Plan K offers the most affordable entry point at $95 monthly, while Plan A carries premium pricing at $504. Plan N provides strong value at $204 monthly for those seeking good coverage without the highest premiums. Other budget-conscious options include Plans L and M, both costing $138 monthly, and Plan D at $183 per month.


A	$504	$6,048
B	$237	$2,844
C	$265	$3,180
D	$183	$2,196
F	$304	$3,648
G	$244	$2,928
K	$95	$1,140
L	$138	$1,656
M	$138	$1,656
N	$204	$2,448

How to Choose the Best Oklahoma Medicare Supplement Plan

Plan G offers identical benefits regardless of which company sells it in Oklahoma because Medicare Supplement plans are standardized by federal law. Premium amounts vary while benefits stay the same across insurers. Each lettered plan covers specific benefits to help you balance monthly costs and out-of-pocket expenses.

Most Comprehensive Coverage

• Plan G: Comparable to Plan F, covers everything except Part B deductible. • Plan F: Covers all gaps including Part B deductible and excess charges (closed to new members as of 2020).

Best Value Options

• Plan D: Strong coverage without Part B deductible or excess charges. • Plan N: Extensive benefits with minor copays and lower premiums.

Budget-Friendly Choices

• Plan L: Similar to Plan K with 75% cost-sharing and lower out-of-pocket limit of $4,000. • Plan K: Most affordable premiums with 50% cost-sharing and out-of-pocket limit of $8,000. • Plan M: Covers 50% of Part A deductible with moderate premiums.

Premium Coverage

• Plan C: Includes Part B deductible and foreign travel emergency coverage (not available for new enrollees as of 2020).

Learn More: What Does Medicare Cover and Not Cover?

How to Find the Best Oklahoma Medicare Supplement Company

After choosing your plan type, you'll want to compare providers in the Sooner State. Look for these key factors when selecting a Medicare Supplement company.

1
Customer satisfaction and complaints
Companies may have complaints about service, so these ratings help you identify trustworthy options. For a dependable insurer, review customer satisfaction scores from J.D. Power and the NAIC. These resources provide valuable insights into how insurers treat their customers across Oklahoma and nationwide.
2
Plan pricing
Prices vary for the same plan across insurers, especially in markets like Oklahoma City and Tulsa. Do side-by-side comparisons to find the best value without sacrificing coverage quality or service standards. Look for competitive rates while maintaining the protection you need for your health care expenses.
3
Added benefits
Insurers may provide discounts on other services like gym memberships or wellness programs. These perks add value to your coverage across different policy types, including Medigap plans. Consider how these extras might benefit your lifestyle and overall health care costs in your local area.

Oklahoma Medicare Resources

Oklahoma residents seeking help with Medicare have access to multiple free state and federal resources.

Oklahoma Medicare Assistance Program (OMAP): The Oklahoma Medicare Assistance Program (OMAP) provides free, one-on-one counseling to Medicare beneficiaries, helping them compare plans and understand their benefits. They also offer guidance on fraud prevention and provide unbiased assistance to ensure beneficiaries make informed decisions. Learn more about Oklahoma Medicare Assistance Program (OMAP)
Oklahoma Department of Insurance: The Oklahoma Department of Insurance offers services related to Medicare Supplement plans, including rate comparisons and consumer protection. They also have a consumer hotline to assist residents with inquiries and complaints. Visit Oklahoma Department of Insurance
Oklahoma Area Agencies on Aging: The Oklahoma Area Agencies on Aging provide assistance with Medicare enrollment, benefits counseling and various programs for older adults. They serve seniors, people with disabilities and caregivers throughout the state. Find your local agency
Medicare.gov: This official website has comprehensive information on all Medicare options and a plan finder tool to compare Medicare Supplement, Medicare Advantage and Part D plans by ZIP code. Visit Medicare.gov

Medicare Supplement Plans in Oklahoma: FAQ

Below are answers to common questions about Medigap coverage in Oklahoma.

What does Medigap cover in Oklahoma?

Medigap fills gaps in Original Medicare by covering Part A and Part B deductibles, coinsurance, copayments, and the first three pints of blood. Select plans also handle Part B excess charges, skilled nursing facility coinsurance, and foreign travel emergencies. However, Medigap excludes prescription drugs, dental, vision, and long-term care services.

Are Medicare Supplement plans worth it?

These plans benefit seniors who want stable costs and the freedom to visit any Medicare-accepting provider nationwide. They're helpful for those with ongoing health care needs, chronic conditions, or limited savings for unexpected medical expenses. Healthy individuals with strong financial reserves might find Original Medicare's lower premiums more suitable.

When can I enroll in Medigap plans in Oklahoma?

You can enroll in Medigap plans anytime in Oklahoma, but timing matters for your coverage options and costs. The optimal enrollment window is your six-month initial enrollment period, which begins when you turn 65 and enroll in Medicare Part B.

Can I switch from Medicare Advantage to Medigap in Oklahoma?

Yes, you can switch from Medicare Advantage to Medigap in Oklahoma, but insurers will evaluate your health and may deny coverage or charge higher premiums based on medical conditions. Do this during your Medigap Open Enrollment Period at age 65, when insurers cannot refuse you coverage. Outside this window, guaranteed coverage rights are limited to specific qualifying circumstances.

Our Review Methodology

MoneyGeek collected data for all Medicare plans in Oklahoma for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Oklahoma based on three main categories to create a weighted score out of 5:

Affordability (50%): Providers with the lowest monthly cost score higher.
Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.

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.

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Best Medicare Supplement Plans in Oklahoma (2026)

Best Cheap Medicare Supplement Companies in Oklahoma

Find Oklahoma Medicare Supplement Plans That Fit Your Needs

Oklahoma Medicare Supplement Plan Cost

How to Choose the Best Oklahoma Medicare Supplement Plan

How to Find the Best Oklahoma Medicare Supplement Company

Oklahoma Medicare Resources

Medicare Supplement Plans in Oklahoma: FAQ

What does Medigap cover in Oklahoma?

Are Medicare Supplement plans worth it?

When can I enroll in Medigap plans in Oklahoma?

Can I switch from Medicare Advantage to Medigap in Oklahoma?

Our Review Methodology

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