Medicare Advantage Plans in Oklahoma
Written by: Corey Whelan
Reviewed by: Cassandra Parker, Licensed Insurance Agent
Medicare Advantage plans in Oklahoma provide at least the same coverage as Original Medicare (Parts A and B), but can include additional benefits like a prescription drug plan, as well as dental, vision, and hearing services.
To be eligible for Medicare Advantage in Oklahoma, you must be eligible for Original Medicare .
There are several Medicare Advantage plans in Oklahoma that offer $0 monthly premiums.
The Medicare Part B premium applies to every Part C plan in Oklahoma.
If you’re a Medicare beneficiary in Oklahoma, you have two main ways to receive your healthcare: Original Medicare (Parts A and B) and Medicare Advantage (Part C).
On this page, we’ll break down Medicare Advantage plans in Oklahoma, including what they cover, how much they cost, and more. You could say we’ll give you all the info you’ll need to choose the healthcare that’s right for you — sooner than later.
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Oklahoma Medicare Advantage Plan Coverage
In Oklahoma, Medicare Advantage plans are the private-insurance alternative to Original Medicare (Part A and Part B).
Medicare Advantage plans bundle all of the coverage provided by Original Medicare. This ensures you have healthcare coverage as both an inpatient and as an outpatient.
Medicare Advantage plans also may provide coverage for prescription drugs. If you don’t have Medicare Advantage, you must buy Medicare Part D to have your medications paid for by Medicare.
Many Medicare Advantage plans also provide coverage for healthcare extras that may be important to you, such as dental, vision and hearing coverage. Some cover transportation, over-the-counter goods and wellness programs, too.
According to the Centers for Medicare & Medicaid Services (CMS), there are 72 Medicare Advantage plans available in Oklahoma, and every resident in the state has access to a Part C plan.
Not every plan in Oklahoma is available in every county or zip code. However, no matter where you live, you also have access to no- or low-cost monthly premium plans. Each plan is different, but a GoHealth licensed insurance agent will be happy to talk to you about the plans that are available where you live.
Many Oklahomans are pleased to know that Medicare Part C provides cost savings and richer coverage than Original Medicare. You may also like knowing that Medicare Part C can only be sold by private insurers who are approved to do so by the federal Medicare program.
OK Medicare Advantage Plan Costs
In 2022, the average monthly Part C premium is $13.66. And remember — there are many Medicare Advantage plans available in Oklahoma featuring a $0 premium.
In Oklahoma and the rest of the country, the Part B monthly premium still applies to Part C plans. The standard Part B premium amount that most people pay in your state is $170.10 in 2022. If you collect Social Security or Railroad Retirement Board benefits, your Part B premium will be automatically deducted from the amount you receive monthly.
Medicare Advantage plans may have other costs associated with them. These vary from plan to plan and can include copays, coinsurance and deductibles. However, many Medicare Advantage plans in Oklahoma have $0 copays. There are also many plans with $0 deductibles for healthcare and prescription drugs.
Are you eligible for cost-saving Medicare subsidies?
Medicare Advantage Plan Eligibility and Enrollment in Oklahoma
To be eligible for Medicare Advantage in Oklahoma, you must be a U.S. citizen or a permanent legal resident. Permanent legal residents must have established residency at least five years before applying for Medicare.
Most people in Oklahoma who apply for Medicare are 65 years old or older. You can apply for Medicare during the seven-month period that starts three months before you turn 65. This is known as your Initial Enrollment Period (IEP).
You can also apply for Medicare in your state if you have a qualifying disability, no matter your age. People with end-stage renal disease (ESRD) and Lou Gehrig’s disease can get Medicare Advantage in Oklahoma regardless of age.
In Oklahoma, there are several enrollment periods for Medicare Advantage:
- Initial Enrollment Period — If you’re turning 65, you can sign up for Medicare Advantage starting three months before you turn 65. Initial enrollment ends three months after that date, for a total of seven months.
- Medicare Open Enrollment Period — You may join a Medicare Advantage plan or switch or drop your current Part C plan from October 15 to December 7 each year, also known as the Annual Enrollment Period.
- Medicare Advantage Open Enrollment Period — If you already have a Medicare Advantage plan but want to change to a different Part C plan, you can do so from January 1 to March 31.
- Special Enrollment Period — Special enrollment periods are triggered by events, such as losing health insurance through your employer. Suppose you were qualified to delay Medicare and didn’t sign up during Initial Enrollment. In that case, you can sign up for Medicare Advantage within two months of losing your current coverage without incurring a penalty.
Are There Oklahoma Medicare Advantage Plans with Prescription Drug Coverage?
Many Medicare Advantage plans throughout Oklahoma include prescription drug (Part D) coverage. This eliminates your need to purchase a standalone Part D plan, the way you would need to with Original Medicare.
Several Medicare Advantage plans have a $0 annual deductible for prescription drugs.
What extra benefits and savings do you qualify for?
Medicare Learning Guides
If you are new to Medicare, a beneficiary researching options, or a caregiver, we have tailored Medicare Guides for you!
Before 65 Guide
Understanding health insurance before age 65, especially when considering early retirement
Medicare Plans Guide
Costs, coverage and enrollment details for each Medicare plan
Medicare Beneficiary Guide
For those currently enrolled in Medicare
Low Income and Medicare Guide
For individuals with a qualifying income status
A Caregiver’s Guide
For individuals with a qualifying income status