In Oklahoma, you have many options for Medicare coverage, from Original Medicare to Medicare Advantage. Here are tips for understanding your Medicare choices and preparing to enroll.

Are you about to qualify for Medicare and are considering your plan options in Oklahoma? Medicare, the federal health insurance program, regulates premiums and helps people age 65 and over access quality healthcare services.

Read on to learn about your options in Oklahoma.

Medicare is divided into several parts, each providing a different level of care.

Original Medicare

Even if you’re automatically enrolled in Medicare Part A when you turn age 65, you’ll still need to enroll in other parts of Medicare Oklahoma manually.

Medicare Part A covers hospital expenses, including:

Medicare Part B covers outpatient medical expenses not covered under Part A. It covers up to 80% of the following services:

Medicare Advantage in Oklahoma

Medicare Advantage (Part C) plans are offered by private insurance carriers. You’ll find a large selection of plans with several different premiums and covered services.

Medicare Advantage plans may offer some or all of the following benefits:

These private insurance providers offer Medicare Advantage plans in Oklahoma with a wide range of premiums and a variety of coverage options to meet your health needs:

Plans vary by county, so when researching providers and plans, make sure to enter your ZIP code to find carriers that offer coverage in your area.

Medicare supplement plans in Oklahoma

Medicare supplement (Medigap) plans help cover the gaps in Original Medicare coverage, like copays and coinsurance. You can purchase these plans in addition to having parts A and B.

Many companies offer Medigap plans in Oklahoma. Some of the companies providing Medigap plans throughout the state include:

  • AARP – UnitedHealthcare Insurance Company of America
  • Aetna Health Insurance Company
  • AFLAC
  • Allstate Health Solutions
  • Bankers Fidelity Assurance Company
  • BlueCross BlueShield of Oklahoma
  • Cigna National Health Insurance Company
  • Humana
  • Mutual of Omaha
  • State Farm
  • USAA

Oklahoma Medicare resources

You can find out more about Original Medicare and Medicare Advantage plans in Oklahoma by using the following resources.

  • Medicare: 800-633-4227: You can contact Medicare for help finding Medicare plans in Oklahoma, comparing plans, or accessing the CMS star ratings.
  • Oklahoma Insurance Department: Call 800-522-0071 (toll-free in Oklahoma) or 405-521-2828. Contact the Oklahoma Insurance Department to learn about the Medicare Assistance Program, speak to a State Health Insurance Program (SHIP) counselor, and ask about Senior Medicare Patrol.
  • Oklahoma Health Care Authority: 800-987-7767: The Oklahoma Health Care Authority administers SoonerCare, which provides healthcare information to people who are 65 years old or older in Oklahoma.

Most people are eligible to receive Medicare coverage when they turn 65 years old. To be eligible for Medicare, you must meet the following eligibility criteria:

  • be 65 years old or over
  • be a U.S. citizen or permanent resident of Oklahoma

You may also be eligible if you’re under age 65 and:

When can I enroll in Medicare Oklahoma plans?

  • Initial enrollment (7 months around your 65th birthday): You can enroll in Medicare for the 3 months before, the month of, and 3 months after your 65th birthday. If you’re receiving Social Security benefits, you’ll be automatically enrolled in Medicare Oklahoma Part A. During this period, you can research plans and decide if you want to enroll in a Medicare Advantage plan in Oklahoma.
  • Open Enrollment Period (October 15 to December 7): This is the annual enrollment period. The best time to enroll in Medicare Part C, Part D, and Medigap plans.
  • Medicare Advantage Open Enrollment Period (January 1 to March 31): You’ll have another opportunity to reevaluate your Medicare Advantage plan d. In this period, you can switch between Medicare Advantage plans in Oklahoma or switch back to Original Medicare, with or without part D coverage.
  • Special enrollment periods: If you weren’t able to enroll during any of these periods or didn’t enroll in Medicare at age 65 because you still had employee benefits through work, you can qualify for a special enrollment period. When your job ends, and you’re no longer receiving benefits from your employer, you can apply for the special enrollment period. You may also get a special enrollment period if you move outside the coverage range of your current plan or you move into a nursing home.

When searching for Medicare plans in Oklahoma, you’ll find you have lots of plan options. Narrow them down by following these tips:

  • Call your doctor’s office. Medicare Advantage plans in Oklahoma only provide coverage to network-approved doctors, so ask which Medicare plans in Oklahoma your doctor accepts.
  • Make a list of all your medications. Advantage plans and Part D plans don’t offer comprehensive drug coverage but do provide a list (known as a formulary) of all the medications they will cover. Narrow your search by finding out what prescriptions are covered by each plan.
  • Consider your current healthcare needs and services you’d like to access. If you want more extensive coverage, consider an Advantage plan that will give you additional coverage.
  • See what others have said about the plans you’re considering by checking each plan’s CMS star rating. Medicare provides a 1 to 5 rating of how well each Part C and Part D plan performed in the previous year. A plan with a 4- or 5-star rating was ranked highly by people insured with the plan.

Medicare in Oklahoma snapshot

The Centers for Medicare & Medicaid Services (CMS) reported the following information on Medicare trends in Oklahoma for the 2025 plan year:

  • A total of 2,516,184 residents of Oklahoma are enrolled in Medicare.
  • The average Medicare Advantage monthly premium decreased in Oklahoma compared to last year — from $16.12 in 2024 to $15.51 in 2025.
  • There are 224 Medicare Advantage plans available in Oklahoma for 2025, compared to 217 plans in 2024.
  • All Oklahoma residents with Medicare have access to buy a Medicare Advantage plan, including plans with $0 premiums.

More than 2.5 million Oklahoma residents are enrolled in Medicare. There are many private insurance companies offering various types of Medicare Advantage and Medigap plans throughout the state.

Overall, monthly premium costs have increased for . There are also several Medigap plan options if you live in Oklahoma and are looking for additional coverage.