Best Medicare Advantage Plans in Oklahoma for 2027
Every general-audience Medicare Advantage plan with drug coverage in Oklahoma, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
Oklahoma plans, ranked
Showing all 43 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HealthSpring Preferred (HMO)HealthSpring · HMO6 of 70 counties · drug deductible $500Dental up to $2,350/yr · eyewear $300/yr · OTC items $260/yr | $0 | $3,500 | $3,500 | 3.5★ |
| 2 | Generations Classic Rewards (HMO)GlobalHealth · HMO26 of 70 counties · drug deductible $0Part B giveback $29/mo · Dental up to $1,500/yr · eyewear $200/yr · hearing aids $1,000/yr | $0−$29 Part B giveback | $3,900 | $3,552 | 3.5★ |
| 3 | Generations Classic Plus (HMO)GlobalHealth · HMO26 of 70 counties · drug deductible $0Dental up to $1,600/yr · eyewear $200/yr · hearing aids $1,000/yr | $0 | $3,900 | $3,900 | 3.5★ |
| 4 | Senior Health Plan Platinum (HMO)CommunityCare Senior Health Plan (HMO) · HMO40 of 70 counties · drug deductible $500Dental up to $1,000/yr · eyewear $300/yr · hearing aids $125/yr · OTC items $200/yr | $35 | $4,450 | $4,870 | 4★ |
| 5 | Humana Total Complete (HMO-POS)Humana · HMO-POS2 of 70 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr | $0 | $4,900 | $4,900 | 4★ |
| 6 | Humana Value Choice (PPO)Humana · PPO18 of 70 counties · drug deductible $520Dental up to $1,500/yr · eyewear $200/yr | $0 | $5,300 | $5,300 | 4.5★ |
| 7 | HumanaChoice H5216-337 (PPO)Humana · PPO18 of 70 counties · drug deductible $520Dental up to $1,500/yr · eyewear $200/yr | $0 | $5,300 | $5,300 | 4★ |
| 8 | Humana Total Complete (HMO)Humana · HMO10 of 70 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr | $0 | $5,400 | $5,400 | 4★ |
| 9 | Humana Total Complete (HMO)Humana · HMO7 of 70 counties · drug deductible $700Dental up to $1,500/yr · eyewear $250/yr | $0 | $5,400 | $5,400 | 4★ |
| 10 | HumanaChoice H5216-316 (PPO)Humana · PPO17 of 70 counties · drug deductible $700Dental up to $2,000/yr · eyewear $250/yr | $48 | $4,900 | $5,476 | 4★ |
| 11 | HumanaChoice H5216-316 (PPO)Humana · PPO33 of 70 counties · drug deductible $700Dental up to $2,500/yr · eyewear $250/yr | $50 | $4,900 | $5,500 | 4★ |
| 12 | DEVOTED CHOICE 001 OK (PPO)Devoted Health · PPO14 of 70 counties · drug deductible $650Dental up to $2,500/yr · eyewear $300/yr · OTC items $220/yr | $0 | $5,700 | $5,700 | Too new to rate |
| 13 | HumanaChoice H5216-337 (PPO)Humana · PPO44 of 70 counties · drug deductible $520Dental up to $1,500/yr · eyewear $250/yr | $0 | $5,700 | $5,700 | 4★ |
| 14 | AARP Medicare Advantage from UHC OK-0002 (HMO-POS)UnitedHealthcare · HMO-POS21 of 70 counties · drug deductible $685Dental up to $4,000/yr · eyewear $100/yr · hearing aids $700/yr | $47 | $5,200 | $5,764 | 4★ |
| 15 | Aetna Medicare Value Plus (PPO)Aetna Medicare · PPO4 of 70 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $60/yr | $25 | $5,500 | $5,800 | 3.5★ |
| 16 | DEVOTED CHOICE 005 OK (PPO)Devoted Health · PPO11 of 70 counties · drug deductible $650Dental up to $3,750/yr · eyewear $300/yr · OTC items $208/yr | $0 | $5,850 | $5,850 | Too new to rate |
| 17 | AARP Medicare Advantage from UHC OK-0004 (HMO-POS)UnitedHealthcare · HMO-POS25 of 70 counties · drug deductible $685Dental up to $1,750/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $5,900 | $5,900 | 4★ |
| 18 | AARP Medicare Advantage from UHC OK-1P (HMO-POS)UnitedHealthcare · HMO-POS1 of 70 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $5,900 | $5,900 | 4★ |
| 19 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO6 of 70 counties · drug deductible $700Part B giveback $75/mo · Dental up to $900/yr · eyewear $250/yr · OTC items $140/yr | $0−$75 Part B giveback | $6,900 | $6,000 | 3.5★ |
| 20 | AARP Medicare Advantage from UHC OK-0001 (HMO-POS)UnitedHealthcare · HMO-POS24 of 70 counties · drug deductible $685Dental up to $2,000/yr · eyewear $125/yr · hearing aids $700/yr | $39 | $5,900 | $6,368 | 4★ |
| 21 | Senior Health Plan Platinum Plus (HMO)CommunityCare Senior Health Plan (HMO) · HMO40 of 70 counties · drug deductible $450Dental up to $1,000/yr · eyewear $200/yr · hearing aids $125/yr · OTC items $160/yr | $120 | $5,000 | $6,440 | 4★ |
| 22 | AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS)UnitedHealthcare · HMO-POS24 of 70 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $6,500 | $6,500 | 4★ |
| 23 | Senior Health Plan Silver Plus (HMO)CommunityCare Senior Health Plan (HMO) · HMO40 of 70 counties · drug deductible $650Dental up to $1,000/yr · eyewear $200/yr · OTC items $120/yr | $0 | $6,500 | $6,500 | 4★ |
| 24 | Humana Essentials Plus Giveback (PPO)Humana · PPO44 of 70 counties · drug deductible $700Part B giveback $93/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$93 Part B giveback | $7,925 | $6,809 | 4.5★ |
| 25 | DEVOTED CHOICE GIVEBACK EXTRAS 013 OK (PPO)Devoted Health · PPO14 of 70 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $350/yr · OTC items $328/yr | $0−$70 Part B giveback | $7,650 | $6,810 | Too new to rate |
| 26 | HumanaChoice Giveback H5216-264 (PPO)Humana · PPO44 of 70 counties · drug deductible $700Part B giveback $91/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$91 Part B giveback | $7,925 | $6,833 | 4★ |
| 27 | DEVOTED CHOICE GIVEBACK EXTRAS 014 OK (PPO)Devoted Health · PPO11 of 70 counties · drug deductible $700Part B giveback $70/mo · Dental up to $4,000/yr · eyewear $350/yr · OTC items $336/yr | $0−$70 Part B giveback | $7,750 | $6,910 | Too new to rate |
| 28 | HealthSpring True Choice (PPO)HealthSpring · PPO6 of 70 counties · drug deductible $700Dental up to $550/yr · eyewear $100/yr | $13 | $6,800 | $6,956 | 3★ |
| 29 | AARP Medicare Advantage Extras from UHC OK-10 (HMO-POS)UnitedHealthcare · HMO-POS24 of 70 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 30 | AARP Medicare Advantage from UHC OK-0006 (PPO)UnitedHealthcare · PPO24 of 70 counties · drug deductible $685Preventive dental | $0 | $7,150 | $7,150 | 4★ |
| 31 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO51 of 70 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 32 | Aetna Medicare Signature Care (HMO)Aetna Medicare · HMO4 of 70 counties · drug deductible $300Dental up to $500/yr · eyewear $100/yr · hearing aids $1,000/yr per ear · OTC items $60/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 33 | Aetna Medicare Signature Care (HMO)Aetna Medicare · HMO4 of 70 counties · drug deductible $300Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 34 | Native Advantage (HMO)Native Advantage · HMO11 of 70 counties · drug deductible $600Dental up to $1,250/yr · eyewear $200/yr · OTC items $280/yr | $0 | $7,150 | $7,150 | Too new to rate |
| 35 | HumanaChoice H5216-081 (PPO)Humana · PPO48 of 70 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr | $26 | $6,850 | $7,162 | 4★ |
| 36 | Aetna Medicare Value Plus (PPO)Aetna Medicare · PPO3 of 70 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $1,000/yr per ear · OTC items $60/yr | $35 | $6,750 | $7,170 | 3.5★ |
| 37 | AARP Medicare Advantage from UHC OK-0007 (PPO)UnitedHealthcare · PPO20 of 70 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $10 | $7,150 | $7,270 | 4★ |
| 38 | HumanaChoice H5216-083 (PPO)Humana · PPO48 of 70 counties · drug deductible $700Dental up to $1,750/yr · eyewear $200/yr | $59 | $6,900 | $7,608 | 4★ |
| 39 | DEVOTED CHOICE GIVEBACK 006 OK (PPO)Devoted Health · PPO11 of 70 counties · drug deductible $461Part B giveback $160/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $68/yr | $0−$160 Part B giveback | $9,850 | $7,930 | Too new to rate |
| 40 | DEVOTED CHOICE GIVEBACK 002 OK (PPO)Devoted Health · PPO14 of 70 counties · drug deductible $461Part B giveback $159.90/mo · Dental up to $250/yr · eyewear $200/yr | $0−$159.90 Part B giveback | $9,850 | $7,931 | Too new to rate |
| 41 | AARP Medicare Advantage from UHC OK-0005 (PPO)UnitedHealthcare · PPO20 of 70 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $79 | $7,150 | $8,098 | 4★ |
| 42 | Humana Gold Choice H8145-006 (PFFS)Humana · PFFS3 of 70 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $60 | $7,800 | $8,520 | 4★ |
| 43 | HumanaChoice H7617-007 (PPO)Humana · PPO21 of 70 counties · drug deductible $700Dental · eyewear $100/yr | $60 | $9,250 | $9,970 | 4.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 9 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana USAA Honor Giveback (PPO)Humana · PPO64 of 70 countiesPart B giveback $150/mo · Dental up to $1,500/yr · eyewear $200/yr | $0−$150 Part B giveback | $4,700 | $2,900 | 4★ |
| 2 | Humana USAA Honor Giveback (PPO)Humana · PPO63 of 70 countiesPart B giveback $150/mo · Dental up to $1,500/yr · eyewear $200/yr | $0−$150 Part B giveback | $4,700 | $2,900 | 4.5★ |
| 3 | Generations Valor (HMO)GlobalHealth · HMO26 of 70 countiesPart B giveback $50/mo · Dental up to $1,500/yr · eyewear $300/yr · hearing aids $1,000/yr | $0−$50 Part B giveback | $3,900 | $3,300 | 3.5★ |
| 4 | Senior Health Plan Silver Savings (HMO)CommunityCare Senior Health Plan (HMO) · HMO40 of 70 countiesPart B giveback $100/mo · Dental up to $1,000/yr · eyewear $200/yr · hearing aids $125/yr · OTC items $120/yr | $0−$100 Part B giveback | $4,500 | $3,300 | 4★ |
| 5 | Senior Health Plan Silver (HMO)CommunityCare Senior Health Plan (HMO) · HMO17 of 70 countiesDental up to $1,000/yr · eyewear $650/yr · hearing aids $300/yr · OTC items $380/yr | $0 | $3,400 | $3,400 | 4★ |
| 6 | Aetna Medicare Eagle (PPO)Aetna Medicare · PPO15 of 70 countiesPart B giveback $110/mo · Dental up to $1,500/yr · eyewear $275/yr · hearing aids $1,000/yr per ear · OTC items $180/yr | $0−$110 Part B giveback | $4,900 | $3,580 | 3.5★ |
| 7 | AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS)UnitedHealthcare · HMO-POS48 of 70 countiesPart B giveback $150/mo · Dental up to $1,500/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$150 Part B giveback | $6,700 | $4,900 | 4★ |
| 8 | AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO)UnitedHealthcare · PPO44 of 70 countiesPart B giveback $105/mo · Dental up to $1,000/yr · eyewear $125/yr · hearing aids $700/yr | $0−$105 Part B giveback | $6,200 | $4,940 | 4★ |
| 9 | Humana Gold Choice H8145-126 (PFFS)Humana · PFFS33 of 70 countiesDental up to $1,750/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
County pages
Canadian County · Cleveland County · Comanche County · Oklahoma County · Tulsa County
Questions
How many Medicare Advantage plans are available in Oklahoma for 2027?
CMS lists 43 general-audience Medicare Advantage plans with drug coverage in Oklahoma for 2027, from 8 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Oklahoma?
Yes. 28 of the 43 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Oklahoma Medicare Advantage plan has the lowest worst-case cost?
HealthSpring Preferred (HMO) from HealthSpring: $0 a month with an in-network out-of-pocket maximum of $3,500, so at most about $3,500 in premiums and in-network costs for the year. It is offered in 6 of 70 counties.
Which Oklahoma Medicare Advantage plans have 4 or more stars?
26 of the 43 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Oklahoma Medicare Advantage plans have a Part B giveback?
8 of the 43 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $160 a month, from DEVOTED CHOICE GIVEBACK 006 OK (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Oklahoma?
The median in-network out-of-pocket maximum among these plans is $6,500. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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