Key takeaways

  • Oklahoma residents have access to a variety of Medicare coverage options, including Original Medicare, Medicare Advantage, and Medicare supplement plans.
  • Eligibility for Medicare in Oklahoma generally begins at age 65 years, but it may also extend to individuals under 65 with specific disabilities or medical conditions, like end stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS).
  • When choosing a Medicare plan in Oklahoma, it’s important to consider factors such as provider networks, prescription drug coverage, and potential out-of-pocket costs to find a plan that aligns with individual health needs and financial circumstances.

Medicare is a health insurance program for people 65 years and older, as well as people of any age who have certain health conditions and disabilities.

It’s made up of four parts:

  • Part A (hospital insurance) and Part B (medical insurance) are known as Original Medicare.
  • Part C, also known as Medicare Advantage, is an alternative to Original Medicare.
  • Part D, which is prescription drug coverage.

You can also purchase a supplemental insurance plan (Medigap) to help cover the out-of-pocket costs associated with Original Medicare. Medicare Advantage beneficiaries are not eligible for Medigap.

Read on to learn more about your Medicare options in Oklahoma and when to enroll.

Snapshot of Medicare in Oklahoma

The Centers for Medicare & Medicaid Services (CMS) reported the following information on Medicare trends in Oklahoma for the 2026 plan year:

  • A total of 813,628 residents of Oklahoma are enrolled in Medicare.
  • The average monthly Medicare Advantage plan premium changed from $17.48 in 2025 to $13.62 in 2026.
  • There are 82 Medicare Advantage plans available in Oklahoma for 2026, compared with 73 plans in 2025.
  • All Oklahoma residents with Medicare have access to buy a Medicare Advantage plan with a $0 premium.
  • For 2026, 11 stand-alone Medicare Part D plans are available in Oklahoma, and the lowest monthly premium for a stand-alone Part D plan is $0.
  • Roughly 24.84% of people with a stand-alone Part D plan get Extra Help.
  • As in most states, 10 different Medigap plans are offered in Oklahoma for 2026.

Medicare is more than just one plan. Different plans and components cover different aspects of your healthcare.

  • Original Medicare: Original Medicare is managed by the federal government and includes two main parts: Part A (hospital insurance) and Part B (medical insurance). Original Medicare includes limited prescription drug coverage.
  • Medicare Advantage (Part C): These plans are private plans that cover the same benefits as Original Medicare, and may also cover benefits like vision, dental, or prescription drugs. Some Medicare Advantage plans have limited provider networks, so confirm your doctors and facilities are in-network before enrolling.
  • Medicare Part D: This is another private, stand-alone plan option for prescription drug coverage. You’d enroll in Part D with Original Medicare or with a Part C plan without lumped-in drug coverage.
  • Medicare supplement (Medigap): Medigap plans help cover the gaps in Original Medicare coverage, which might include copays and coinsurance. Medigap plans are standardized in most states, and you can choose among 10 plans to supplement Original Medicare. You cannot use Medigap with Medicare Advantage.

For all private Medicare options, availability varies by county, so check Medicare.gov for what’s available in your area.

If you live in Oklahoma, you can qualify for Medicare at age 65 years if you’re a U.S. citizen or legal resident for at least 5 years. If you’re under 65 years, you may also qualify through disability or by living with end stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS).

When choosing a plan, consider provider networks, costs, and quality ratings. You may be able to join a plan or modify your coverage during one or more of the following enrollment periods:

  • Initial enrollment: Enroll 3 months before to 3 months after the month of your 65th birthday.
  • Open enrollment: Join or change plans from October 15 to December 7.
  • Medicare Advantage open enrollment: Switch Medicare Advantage plans or return to Original Medicare from January 1 to March 31.
  • Special enrollment period: Enroll after a life change, such as losing job-based coverage.

If you’re eligible for Medicare due to a disability, you’ll be automatically enrolled. If you’re eligible based on age, you’ll need to enroll yourself.

Choose a plan that:

  • has doctors you like and facilities convenient to your location
  • covers the services you need
  • provides affordable coverage
  • has a high star rating for quality and patient satisfaction from CMS

Find answers to questions and get help with Medicare Oklahoma plans from the following resources:

  • Medicare: You can contact Medicare at 800-633-4227 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 with a State Health Insurance Assistance Program (SHIP) counselor, and ask about Senior Medicare Patrol.
  • Oklahoma Health Care Authority: Call 800-987-7767 to reach the Oklahoma Health Care Authority, which administers SoonerCare. It provides healthcare information to people who are 65 years old or older in Oklahoma.

More than 800,000 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 decreased for Medicare Advantage plans in Oklahoma in 2026. There are also several Medigap plan options if you live in Oklahoma and are looking for additional coverage.