bestMedicare AdvantageOklahomaBest Oklahoma Medicare Advantage Plans
Updated: May 6, 2024
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MoneyGeek looked at which Medicare Advantage plans in Oklahoma have the highest rating based on the Centers for Medicare & Medicaid Services’ five-star quality rating system and are widely available in Oklahoma. We also determined the best options based on plan type, drug coverage, and maximum out-of-pocket limits.
Of course, the recommendations in this guide are generalizations. You will want to shop around for a plan that fits you and review its network of healthcare providers before making your choice.
MoneyGeek also analyzed the best medicare supplement plans in Oklahoma for those focused on covering out-of-pocket expenses.
bestMedicare AdvantageOklahomaBest Medicare Advantage Plans in Oklahoma
Best Medicare Advantage Plan in Oklahoma - Overall
Your individual needs will determine the best Medicare Advantage Plan in Oklahoma for you. You’ll want to evaluate which plan includes your providers, covers your needs and is tailored to suit your circumstances.
MoneyGeek found that UnitedHealthcare’s AARP Medicare Advantage Choice Plan 2 is the best option if you’re looking for a PPO plan with drug coverage, the six core benefits and a high star rating from CMS.
A Preferred Provider Organization plan offers a broader healthcare provider network than other plan types. It also doesn’t require you to get a referral to see a specialist. Overall, this plan offers good flexibility, although the costs are higher than others.
AARP
The AARP Medicare Advantage Choice Plan 2 from UnitedHealthcare may be the best Medicare Advantage plan in Oklahoma overall, particularly for those who want a PPO. This plan offers the following features:
- $0 monthly premium
- Prescription coverage with a drug deductible of $175
- An in-network max-out-of-pocket limit of $5,900
- A 4 out of 5 star rating from CMS
The six most common benefits are included in AARP Medicare Advantage Choice Plan 2. These are vision, dental, hearing, fitness, worldwide emergency and telehealth benefits. This plan also offers Part D drug coverage and receives a high rating from CMS. It’s a good choice for travelers because of the worldwide emergency benefit.
That said, the best plan for you will still depend on your particular needs and preferences.
Best HMO Medicare Advantage Plan in Oklahoma
To find the best HMO Medicare Advantage Plan for you, you need to consider your specific needs. If you’re looking for an HMO plan with drug coverage, the six core benefits and a high star rating from CMS, the best option is either Generations Classic or Generations Classic Plus from GlobalHealth.
Health Maintenance Organization plans tend to be less costly than other plan types. However, you will need to stay within your provider network to ensure coverage. The only exception is during an emergency. You also need a referral to see a specialist. In general, this plan is a solid option if you want lower monthly payments and in-network providers are readily available to you.
GlobalHealth
In Oklahoma, the best plan if you’re looking for an HMO may be GlobalHealth’s Generations Classic. This plan features:
- A $0 monthly premium
- Prescription coverage with a drug deductible of $0
- An in-network max-out-of-pocket limit of $3,900
- A 4 out of 5 star rating from CMS
The Generations Classic offers the six most common benefits, including vision, dental, hearing, fitness, worldwide emergency and telehealth. It also includes Part D drug coverage and receives a high rating from CMS.
Those who want an HMO in Oklahoma may also find GlobalHealth’s Generations Classic Plus to be a great option. This plan offers:
- A monthly premium of $0
- Prescription coverage with a drug deductible of $0
- An in-network max-out-of-pocket limit of $3,900
- A 4 out of 5 star rating from the CMS
You’ll get the six most common benefits with Generations Classic Plus. These are vision, dental, hearing, fitness, worldwide emergency and telehealth. Additionally, the plan includes Part D drug coverage and receives a high rating from CMS.
Best Medicare Advantage Plan in Oklahoma Without Drug Coverage
If you don’t need Part D prescription drug coverage, you’ll have more plan choices available to you. Humana Value Plus H6622-049 from Humana is the best option if you want a Medicare Advantage Plan without drug coverage that includes the six core benefits and has a high star rating from CMS.
Humana
Humana Value Plus H6622-049 is one of your best options in Oklahoma, regardless of whether you want drug coverage or not. That said, this particular plan from Humana does offer drug coverage. It also includes:
- A $19.30 monthly premium
- An in-network max-out-of-pocket limit of $7,550
- A 4.5 out of 5 star rating from CMS
The six most common benefits are offered by Humana Value Plus H6622-049. These are vision, dental, hearing, fitness, worldwide emergency and telehealth benefits. The plan also receives a high rating from CMS.
Best Medicare Advantage Plan in Oklahoma for Low Max Out-of-Pocket Costs
While many Medicare Advantage plans in Oklahoma have low or no premiums, you may still have high costs from paying out of pocket. You can avoid this expense by looking for plans with low in-network max-out-of-pocket limits.
In Oklahoma, buyers looking for a Medicare Advantage plan with a low in-network max-out-of-pocket limit, drug coverage, the six core benefits and a high star rating from CMS may find AARP Medicare Advantage Choice Plan 1 from UnitedHealthcare to be the best option.
AARP
AARP Medicare Advantage Choice Plan 1 is a great option if you’re looking for a plan with a low in-network max-out-of-pocket limit. MoneyGeek determined this by filtering out plans with higher max-out-of-pocket limits.
If you want this plan from UnitedHealthCare, expect the following:
- A monthly premium of $29
- Prescription coverage with a drug deductible of $0
- An in-network max-out-of-pocket limit of $4,400
- A 4 out of 5 star rating from CMS
A plan with a lower max-out-of-pocket limit can protect you from high costs if you have expensive healthcare needs in a plan year. With AARP Medicare Advantage Choice Plan 1, you will not have to pay for in-network coverage once you reach the max-out-of-pocket limit of $4,400.
PPO plans set a second max-out-of-pocket limit for out-of-network coverage. The out-of-network limit for AARP Medicare Advantage Choice Plan 1 is $6,700.
Medicare Advantage Plan in Oklahoma - Statistics
Twelve organizations in Oklahoma offer Medicare Advantage plans. MoneyGeek gathered statistics on the state’s plan types, $0 premium plans and commonly-offered benefits. This information will help you determine which plan components are rare versus typical.
- 1
Oklahoma Medicare Advantage Plans are a mix of HMO/PPO/PFFS/MSA with 67.8% offering drug coverage
Of the total Medicare Advantage plans offered in Oklahoma, 28.1% are Health Maintenance Organization, 54.8% are Preferred Provider Organization, 5.5% are Private Fee-For-Service and 11.3% are Medical Savings Account. 67.8% of these plans offer drug coverage.
- 2
53% of Medicare Advantage Plans in Oklahoma have a $0 premium
Oklahoma has 28 unique plans with $0 premiums. That’s 53% of the total Medicare Advantage Plans offered in the state. For plans that require monthly premiums, the average cost is $46.90.
- 3
Hearing, telehealth and worldwide emergency benefits are commonly offered in Oklahoma
In Oklahoma, the most common benefits included in Medicare Advantage plans are hearing, telehealth and worldwide emergency coverage. On the flip side, the rarest benefits provided are in-home support, transportation and home safety devices & modifications.
Methodology
MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Oklahoma were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Oklahoma based on county availability.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.