Best Medicare Supplement Plans in Oklahoma (2026)

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.

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

Your needs may differ from the most popular choices above. Use the table below to find the Oklahoma Medicare Supplement company for your situation.f

Oklahoma Medicare Supplement insurance premiums span a $409 monthly range for 65-year-olds, from $95 up to $504 based on your plan selection. 

Most Oklahoma seniors buy Plan G at $244 monthly because it fills most Medicare gaps once you've met the $257 Part B deductible. Plan K starts at just $95 per month for bare-bones coverage, while Plan A hits $504 monthly. Seniors who want solid coverage for $204 monthly gravitate toward Plan N. Plans L and M both run $138, and Plan D costs $183 monthly, all three offering budget-friendly alternatives worth comparing.

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.

Learn More: What Does Medicare Cover and Not Cover?

Choosing the right Medicare Supplement company in the Sooner State matters just as much as picking your plan. Oklahoma seniors who focus on three proven evaluation methods avoid the costliest insurance mistakes.

Oklahoma beneficiaries who want guidance on Medicare Supplement plans can use these state programs: 

• State Health Insurance Counseling Program (SHIP): Oklahoma runs SHIP through the Oklahoma Insurance Department, where certified counselors explain Medicare options at no cost. Counselors compare Medigap policies, Part D plans, Medicare Advantage and Medicare Savings Programs. Get counseling toll-free at (800) 522-0071, Oklahoma City at (405) 521-2828, or Tulsa at (918) 295-3700. SHIP operates Senior Medicare Patrol for fraud protection and MIPPA for low-income enrollment.
• Oklahoma Insurance Department - Consumer Assistance Division: This division investigates complaints against insurance companies, including Medicare Supplement insurers, and answers coverage questions. File complaints online or call (800) 522-0071 toll-free statewide. Companies must respond within 20 days, and the division assigns an analyst to review compliance with Oklahoma law. Email questions or visit offices in Oklahoma City or Tulsa.
• Area Agencies on Aging: Eleven regional agencies throughout Oklahoma counties connect seniors 60 and older to local programs funded under the Older Americans Act. Agencies coordinate nutrition programs, arrange home-delivered meals, organize transportation to medical appointments and link caregivers to respite services. Call the statewide Aging and Disability Info-line at (800) 211-2116 to reach your county's Area Agency.
• Medicare.gov: Compare every Medicare Supplement company selling in Oklahoma by entering your ZIP code. Sort results by monthly premium to see which insurers charge less for identical Plan G, Plan N, or other standardized coverage.

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

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.