2027 plan year · Oklahoma
2027 Medicare Advantage plans in Garfield County, OK
27 plans from 4 insurers for 2027. 12 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $3,900.
- 14general plans
- 12$0-premium plans
- $3,900lowest out-of-pocket max
- 4.5 ★top star rating
- 13Special Needs Plans
2027 Medicare Advantage plans in Garfield County, OK
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $4,700 | — | ★★★★★4.5 |
| Humana Essentials Plus Giveback (PPO) Humana · PPO · includes drug coverage | $0 | $7,925 | $700 | ★★★★★4.5 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $4,700 | — | ★★★★★4 |
| HumanaChoice H5216-337 (PPO) Humana · PPO · includes drug coverage | $0 | $5,700 | $520 | ★★★★★4 |
| AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $6,500 | $685 | ★★★★★4 |
| AARP Medicare Advantage Extras from UHC OK-10 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $7,150 | $685 | ★★★★★4 |
| HumanaChoice Giveback H5216-264 (PPO) Humana · PPO · includes drug coverage | $0 | $7,925 | $700 | ★★★★★4 |
| AARP Medicare Advantage from UHC OK-0001 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $39 | $5,900 | $685 | ★★★★★4 |
| HumanaChoice H5216-316 (PPO) Humana · PPO · includes drug coverage | $50 | $4,900 | $700 | ★★★★★4 |
| Generations Classic Plus (HMO) GlobalHealth · HMO · includes drug coverage | $0 | $3,900 | $0 | ★★★★★3.5 |
| Generations Classic Rewards (HMO) GlobalHealth · HMO · includes drug coverage | $0 | $3,900 | $0 | ★★★★★3.5 |
| Generations Valor (HMO) GlobalHealth · HMO · no drug coverage | $0 | $3,900 | — | ★★★★★3.5 |
| Aetna Medicare Eagle (PPO) Aetna Medicare · PPO · no drug coverage | $0 | $4,900 | — | ★★★★★3.5 |
| Aetna Medicare Signature (PPO) Aetna Medicare · PPO · includes drug coverage | $0 | $7,150 | $700 | ★★★★★3.5 |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| HumanaChoice - Diabetes and Heart (PPO C-SNP) Humana · PPO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $6,600 | $500 | ★★★★★4.5 |
| HumanaChoice SNP-DE H7617-076 (PPO D-SNP) Humana · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $100 | ★★★★★4.5 |
| UHC Dual Complete OK-S001 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $10.30 | $9,850 | $700 | ★★★★★4.5 |
| HumanaChoice - Diabetes and Heart (PPO C-SNP) Humana · PPO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $6,600 | $500 | ★★★★★4 |
| HumanaChoice SNP-DE H5216-228 (PPO D-SNP) Humana · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $450 | ★★★★★4 |
| HumanaChoice SNP-DE H5216-331 (PPO D-SNP) Humana · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $550 | ★★★★★4 |
| Generations Chronic Care (HMO C-SNP) GlobalHealth · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,450 | $0 | ★★★★★3.5 |
| Generations Chronic Care Savings (HMO C-SNP) GlobalHealth · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,900 | $0 | ★★★★★3.5 |
| UHC Dual Advantage OK-V1 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $6,500 | $135 | ★★★★★3.5 |
| Aetna Medicare Dual Care (PPO D-SNP) Aetna Medicare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| Generations Dual Support (HMO D-SNP) GlobalHealth · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| UHC Dual Complete OK-S002 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $270 | ★★★★★3.5 |
| Generations Dual Premier (HMO D-SNP) GlobalHealth · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $11 | $9,850 | $700 | ★★★★★3.5 |
What changed from 2026 to 2027
- 2 plans are new here for 2027.
- 12 plans offered here in 2026 aren't listed for 2027 (for example Blue Cross Medicare Advantage Basic (HMO), Wellcare Simple Open (PPO), Wellcare Dual Access Open (PPO D-SNP)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 25 plans offered both years, 2 raised the monthly premium and 7 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Garfield County
Medicare Advantage plans use networks. Before choosing, check that the hospitals and nursing homes you'd want are in the plan's network, and how they're rated.
Other coverage options
- Stand-alone Part D drug plans in Oklahoma (for people with Original Medicare)
- Marketplace health plans in Garfield County (for people under 65 or not on Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Garfield County, OK for 2027?
27 plans from 4 insurers: 14 general plans open to anyone with Medicare Parts A and B who lives here, plus 13 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Garfield County, OK?
Yes. 12 general plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in Garfield County, OK?
Humana USAA Honor Giveback (PPO) from Humana has the top Medicare star rating here (4.5 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in Garfield County, OK?
Generations Classic Plus (HMO) caps in-network out-of-pocket costs at $3,900 for 2027.