Updated: June 12, 2026
Advertising & Editorial Disclosure
Plans B, C, D and M from Farm Bureau Insurance offer the most affordable Medigap rates among Oklahoma's most popular policies, saving residents $54 to $153 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.
United American's Plan A rate of $110 per month is $394 below the state average, the largest savings gap across all 10 plan types. Farm Bureau Insurance posts the lowest rates on Plans B, C, D and M.
MedMutual Protect holds the cheapest rates for Plans F, G and N. Transamerica charges the lowest rates for Plans K and L: $77 and $114 per month.
Oklahoma beneficiaries who pick the cheapest carrier for their plan save $18 to $394 per month versus state averages.
| 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.
Plan G at $244 per month covers nearly every Medicare gap and suits seniors who see specialists regularly or expect high medical use. Plan K at $95 per month is the right fit if you're in good health and can cover 50% of Medicare costs yourself when you do need care. Plan N at $204 per month sits between the two: lower premiums than Plan G with a $20 office visit copay. If rate stability over 10 or 20 years matters more than the lowest starting premium, Transamerica's Issue Age Pricing on Plans K and L is the only option on this page that locks your rate at enrollment.
Average Plan G Rate
Plan Types
Average Plan G Rate
Plan Types
Average Plan G Rate
Plan Types
Average Plan G Rate
Plan Types
Your needs may differ from the most popular choices above. Use the table below to find the Oklahoma Medicare Supplement company for your situation.
| 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 premiums for 65-year-olds range from $95 to $504 per month.
Plan G averages $244 per month and covers most Medicare gaps once you meet the $257 Part B deductible. Plan A averages $504 per month, Plan K averages $95 per month but requires you to pay 50% of certain Medicare costs yourself, so the lower premium comes with higher out-of-pocket exposure when you use care. Plan N averages $204 per month and Plan D averages $183 monthly. Plans L and M both average $138 per month. Plan L covers 75% of certain Medicare costs with a $4,000 annual out-of-pocket limit. Plan M covers 50% of the Part A deductible with no excess charge coverage.
| 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 |
Plan K's $95 average assumes you stay healthy, Plan A costs $504, $409 monthly gap between both. Plan G at $244 covers almost everything Plan A covers and costs $260 less per month.
Plan G averages $244 per month and covers nearly every Medicare gap. Plan N averages $204 per month with a $20 copay per office visit.
Seniors who see fewer than two specialists per month pay less with Plan N. At two or more visits monthly, Plan G's $40 premium advantage disappears.
• 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).
• Plan D: Strong coverage without Part B deductible or excess charges.
• Plan N: Extensive benefits with minor copays and lower premiums.
• 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.
• 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?
Oklahoma's 10 lowest-priced Plan G carriers span $136 to $160 per month for identical coverage. Before enrolling, also check the carrier's NAIC complaint ratio and whether it writes new policies in your ZIP code.
Check customer satisfaction scores from J.D. Power and the NAIC.
Prices vary for the same plan across insurers, especially in places like Oklahoma City and Tulsa.
Some insurers offer discounts on gym memberships or wellness programs.
Oklahoma beneficiaries who want guidance on Medicare Supplement plans can use these state programs:
MoneyGeek's 2026 Plan G data shows a $24 monthly spread across Oklahoma's 10 lowest-priced carriers, from MedMutual Protect at $136 to Old Surety at $160. That gap is $288 per year for identical benefits.
For most Oklahoma seniors enrolling at 65, Plan G through MedMutual Protect is the clearest starting point. At $136 per month, it's the cheapest Plan G rate in Oklahoma and saves $108 versus the state average. Plan G covers everything Plan F does except the $257 Part B deductible. United American's Plan A rate of $110 per month is $394 below the state average, a gap that finances the Part B deductible several times over.
Seniors who want the lowest monthly payment and don't mind some cost-sharing should compare Transamerica's Issue Age Pricing on Plans K ($77 per month) and L ($114 per month). These are the only issue-age-priced options on this list.
Below are answers to common questions about Medigap coverage 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.Medigap doesn't cover prescription drugs, dental, vision or long-term care services.
Medicare Supplement plans are worth the cost for sseniors with chronic conditions or limited savings for unexpected medical bills. Plan G's $244 monthly average eliminates most out-of-pocket exposure beyond the $257 Part B deductible. For healthier seniors who rarely see specialists, Plan K at $95 per month with 50% cost-sharing may net out ahead. The right answer depends on how frequently you use care.
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.
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.
Attained Age Pricing means your monthly premium increases as you get older, regardless of your health. Farm Bureau Insurance, United American and MedMutual Protect all use this method in Oklahoma. Issue Age Pricing locks your rate at the age when you enroll and does not increase based on age alone. In Oklahoma, only Transamerica uses Issue Age Pricing, and only for Plans K and L. A 65-year-old enrolling in Plan K at $77 per month with Transamerica pays the same age-based rate at 75 that they locked in at 65. The same plan under an attained age carrier would be priced at a higher rate by that point.
MoneyGeek collected rate data for both 65-year-olds and 75-year-olds in Oklahoma. Under Attained Age Pricing, premiums rise with each year of age, so a Plan G rate of $136 at 65 will be higher at 75 with the same carrier. The exact 75-year-old rate varies by carrier and is available through the Medicare.gov plan finder by entering your ZIP code and selecting age 75. Seniors who want to limit this age-based increase should compare Transamerica's Issue Age Pricing on Plans K and L at enrollment, since those rates do not increase based on age.
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:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
