Oklahoma's Medicare Advantage market is mid-sized and growing, with 82 plans available statewide in 2026, up from 73 plans in 2025. Roughly 813,000 Oklahomans are enrolled in Medicare overall, and approximately 280,000 of them are in Medicare Advantage plans, reflecting a penetration rate near 34%, below the national average of 55%. That below-average penetration partly reflects Oklahoma's heavy rural geography: many counties outside Tulsa and Oklahoma City have only 5 to 15 plans available, and carrier competition is thinner than in Sun Belt metro markets. The average monthly premium dropped to about $14 in 2026, down from $17.48 in 2025, and all Oklahoma ZIP codes have access to at least one $0 premium plan.
Oklahoma presents a notable split in carrier quality: GlobalHealth, an Oklahoma City-based regional HMO, consistently earns 4-star CMS ratings and offers $0 premium plans across its service counties. By contrast, Blue Cross Blue Shield of Oklahoma received a 2-star CMS rating for the 2026 plan year, a significant quality flag for the state's most geographically broad carrier (operating in 58 of 77 Oklahoma counties). Aetna and UnitedHealthcare score in the 3.5 to 4.0 range statewide. Oklahoma beneficiaries shopping for a plan in 2026 should weigh Star Ratings heavily against network breadth, particularly given that the state has 39 federally recognized tribal nations whose Indian Health Service (IHS) facilities and tribal health clinics interact with MA coverage in important ways.
Oklahoma expanded SoonerCare (the state Medicaid program) in July 2021, adding coverage for adults earning up to 138% of the federal poverty level. That expansion added roughly 330,000 Oklahomans to Medicaid and increased the population of dual-eligible beneficiaries who may qualify for Dual Special Needs Plans. This guide covers the 2026 Oklahoma Medicare Advantage market: plan count, top carriers, Star Ratings, county variance, and how to enroll. The Annual Election Period is October 15 to December 7, 2026, with coverage starting January 1, 2027.
2026 Medicare Advantage Market Overview in Oklahoma
In 2026, Oklahoma has 82 Medicare Advantage plans available, with 280,000 beneficiaries enrolled (34% MA penetration). The average monthly premium is $14 and the statewide average Star Rating is 3.4.
Top Medicare Advantage carriers in Oklahoma (2026)| Carrier | Plans | Avg Star Rating | Avg Premium |
|---|
| Blue Cross Blue Shield of Oklahoma | 20 | 2.0 | $0/mo |
| Humana | 12 | 3.5 | $0/mo |
| Aetna | 10 | 4.0 | $0/mo |
| UnitedHealthcare | 10 | 4.0 | $14/mo |
| GlobalHealth | 5 | 4.0 | $0/mo |
| WellCare (Centene) | 10 | 3.0 | $0/mo |
| Cigna (HealthSpring) | 7 | 3.5 | $0/mo |
Source: KFF Medicare Advantage 2026 Oklahoma Enrollment Update, CMS Medicare Plan Finder Q4 2025 Oklahoma data, Healthline Oklahoma Medicare Plans 2026
Plan Types in Oklahoma: HMO vs PPO vs SNP
Medicare Advantage plan-type breakdown in Oklahoma| Plan Type | Plans Available (est.) | Avg Premium | Best For |
|---|
| HMO | 45 | $5/mo | Lower premiums, willing to use in-network Oklahoma providers |
| PPO | 22 | $21/mo | Flexibility to see out-of-network providers across Oklahoma |
| Special Needs Plan (SNP) | 12 | $0/mo | Dual-eligible (SoonerCare + Medicare), chronic conditions, institutional |
| PFFS / Other | 3 | $0/mo | Private Fee-for-Service; uncommon in Oklahoma |
HMO plans make up the majority of Oklahoma Medicare Advantage plans in 2026. PPO plans are growing due to network flexibility demand in rural Oklahoma counties. Plan counts are estimates based on CMS Q4 2025 Oklahoma enrollment data.
Source: CMS Medicare Plan Finder Q4 2025 Oklahoma county data; KFF Medicare Advantage 2026 Oklahoma Enrollment
County-Level Variance in Oklahoma
Oklahoma Medicare Advantage plan availability varies sharply by county. Urban counties like Tulsa and Oklahoma City offer 34 to 40 plans; rural western and southeastern counties may have only 2 to 8 plans available. Oklahoma beneficiaries in rural areas often have fewer carriers competing for their business, which means higher average premiums and fewer $0 premium options. The state's 39 federally recognized tribal nations are concentrated in eastern Oklahoma, where Indian Health Service facilities may supplement MA coverage.
Plan count and average premium by county in Oklahoma| County | Plans Available | Avg Premium |
|---|
| Oklahoma County (Oklahoma City) | 37 | $10/mo |
| Tulsa County | 38 | $10/mo |
| Cleveland County (Norman) | 25 | $12/mo |
| McCurtain County | 7 | $24/mo |
| Cimarron County | 3 | $32/mo |
Oklahoma county plan counts and premiums are estimates from CMS Medicare Plan Finder Q4 2025 Oklahoma data. Run a personalized search at medicare.gov to see exact plans for your ZIP code.
Source: CMS Medicare Plan Finder Q4 2025 Oklahoma county data
What to Look For in a Medicare Advantage Plan in Oklahoma
Oklahoma Medicare Advantage shopping in 2026 requires close attention to Star Ratings, because quality gaps among carriers are wider in Oklahoma than in most states. Here is what matters most:
- Star Ratings. CMS rates Oklahoma plans 1 to 5 stars annually. BCBS Oklahoma earned 2 stars for 2026, the lowest rating among major carriers, indicating below-average quality metrics. GlobalHealth and Aetna score at 4.0 stars or above. Always check the Star Rating before enrolling.
- Provider network coverage. Oklahoma's rural geography means many residents drive 30 to 60 minutes to a specialist. Confirm your primary care provider, cardiologist, oncologist, and preferred hospital are in-network before selecting any plan. HMOs require in-network care; PPOs give out-of-network flexibility at a higher cost share.
- Prescription drug coverage (formulary). Most Oklahoma MA plans include Part D drug coverage. The 2026 Part D out-of-pocket cap is $2,100 under the Inflation Reduction Act of 2022. Verify your specific medications are on the formulary at an affordable tier before enrolling. The insulin cap of $35/month applies across all plans.
- Maximum out-of-pocket (MOOP). The 2026 federal in-network MA MOOP ceiling is $9,250. Oklahoma carriers set plan-level MOOPs ranging from $3,700 to $9,250. Humana's plans average around $4,213; Aetna averages around $6,750. A lower MOOP protects you most if you need significant care.
- Extras (dental, vision, hearing, fitness, transportation). MA plans vary widely on supplemental benefits. Most Oklahoma plans include some level of routine dental, vision, and hearing. BCBS Oklahoma includes transportation and meal delivery for qualifying members. Check each plan's Evidence of Coverage for annual limits.
- Tribal health coordination. Oklahoma beneficiaries who use Indian Health Service (IHS) or tribal health clinic services should confirm how their MA plan interacts with IHS. Care received at IHS facilities is generally free to eligible American Indian and Alaska Native individuals regardless of MA plan, but coordination of benefits matters for non-IHS care.
Key Medicare Dates in Oklahoma
Oklahoma Medicare and Medicare Advantage have several enrollment windows in 2026. Missing a deadline may mean waiting up to a year for coverage to begin or facing late-enrollment penalties.
- Annual Election Period (AEP): October 15 to December 7, 2026 — Switch between Original Medicare and Medicare Advantage, change MA plans, or change Part D drug plans. Coverage for any change starts January 1, 2027. Oklahoma SHIP counselors (1-800-522-0071) offer free guidance during AEP.
- Medicare Advantage Open Enrollment Period (MA OEP): January 1 to March 31, 2026 — If you are already enrolled in an Oklahoma MA plan, you can switch to a different MA plan or return to Original Medicare. One switch only; cannot be used to enroll in MA for the first time.
- Initial Enrollment Period (IEP): 7-month window around your 65th birthday — Starts 3 months before your 65th birthday month, includes the birthday month, and runs 3 months after. Oklahoma residents turning 65 should enroll in Medicare Parts A and B first, then select an MA plan or Original Medicare plus Part D.
- Special Enrollment Periods (SEPs): Varies by qualifying event — Triggered by moving out of your plan's service area, losing employer coverage, qualifying for SoonerCare (making you dual-eligible for a D-SNP), or other qualifying life events. Typically a 2 to 3 month window. Dual-eligible Oklahoma residents may change MA plans once per quarter in Q1, Q2, and Q3.
- 5-Star Special Enrollment Period: December 8, 2026 to November 30, 2027 — If a 5-star rated plan is available in your Oklahoma county, you can switch into it once during this window any time of year. Check medicare.gov for current 5-star plans in your county.
Notable Extras in Oklahoma Plans
Oklahoma Medicare Advantage plans have several state-specific features and protections that differ from the national baseline:
- SoonerCare D-SNPs for dual-eligible Oklahomans: Oklahoma residents who qualify for both SoonerCare (Oklahoma Medicaid) and Medicare are dual eligible and can enroll in a Dual Special Needs Plan (D-SNP). D-SNPs in Oklahoma typically carry $0 monthly premium, $0 primary care copays, and coordinated drug coverage. BCBS Oklahoma, UnitedHealthcare, and WellCare all offer D-SNPs in Oklahoma. Oklahoma's 2021 SoonerCare expansion added hundreds of thousands of lower-income adults to Medicaid, increasing D-SNP eligibility significantly. Check income eligibility for SoonerCare at the Oklahoma Health Care Authority (oklahoma.gov/ohca) before assuming you do not qualify.
- Tribal health coordination: Oklahoma has 39 federally recognized tribal nations, more than any other state. Eligible American Indian and Alaska Native residents can receive care at Indian Health Service (IHS) facilities and tribal health clinics at no cost regardless of MA plan membership. MA plans cannot deny or limit this IHS benefit. Residents in eastern Oklahoma particularly should understand how IHS care coordinates with any MA plan they enroll in. The Oklahoma Health Care Authority administers SoonerSelect and D-SNP coordination for tribal members.
- Governor's 2026 Executive Order on MA consumer protections: Governor Kevin Stitt issued an executive order in 2026 establishing additional requirements for Medicare Advantage plans operating in Oklahoma. Key provisions: MA plans are prohibited from using high-pressure tactics or misleading representations, must maintain provider networks sufficient to ensure care access in every county they operate in, and cannot offer non-CMS-approved inducements to influence plan selection. This order supplements federal CMS marketing rules and gives Oklahoma beneficiaries an additional state-level complaint pathway through the Oklahoma Insurance Department.
- Oklahoma SHIP: free Medicare counseling: The Oklahoma Insurance Department operates the State Health Insurance Counseling Program (SHIP), which provides free, unbiased one-on-one counseling to Medicare beneficiaries. SHIP counselors are trained and certified and do not sell insurance. Call 1-800-522-0071 for assistance comparing Oklahoma Medicare Advantage plans, understanding your rights, or filing a complaint against a plan. SHIP counseling is especially valuable during AEP (October 15 to December 7) when plan changes take effect.
Medicare Advantage vs Original Medicare in Oklahoma
Oklahoma beneficiaries choosing between Medicare Advantage and Original Medicare face a classic trade-off between cost and flexibility. Original Medicare (Parts A and B) plus a Medigap supplement and a standalone Part D drug plan provides nationwide provider freedom and no prior authorization for most services. Monthly premium for Medigap Plan G plus Part D in Oklahoma typically runs $150 to $300 per month, on top of the 2026 Part B premium of $202.90 per month. Medicare Advantage plans bundle hospital, medical, and drug coverage into one plan with an average 2026 Oklahoma premium of about $14 per month, but with defined networks and prior authorization requirements for many services.
Oklahoma's rural geography strengthens the case for PPO-type Medicare Advantage in some counties: PPOs allow beneficiaries to see out-of-network providers at a higher cost share, which matters in rural areas where the nearest in-network specialist may be hours away. HMO plans work well in Tulsa and Oklahoma City metros, where network adequacy is stronger. Original Medicare plus Medigap remains the better choice for Oklahoma residents who spend significant time in other states (for example, seasonal workers or those with family in other regions), because MA service areas are geographically bound.
Oklahoma does not have a Medigap birthday rule (unlike California). Outside your initial Medigap open enrollment window (the 6 months starting when you turn 65 and enroll in Part B), Oklahoma Medigap carriers are generally not required to sell you a policy without medical underwriting. Residents who leave a Medicare Advantage plan and want Medigap coverage should be aware that guaranteed issue rights are limited. Contact the Oklahoma Insurance Department (oid.ok.gov) or SHIP (1-800-522-0071) before switching.
How Star Ratings work in Oklahoma Medicare Advantage
Oklahoma Medicare Advantage Star Ratings, like all state markets, are published by CMS every October. CMS rates plans on a 1-to-5-star scale using roughly 40 quality measures covering chronic disease management, member experience surveys, customer service responsiveness, and Part D drug safety metrics. Plans rated 4 stars or higher receive quality bonus payments from CMS, which carriers typically pass through as richer benefits in the next plan year. Oklahoma's 2026 Star Rating landscape is more polarized than the national average: GlobalHealth and Aetna plans rate at 4.0 stars or above, while BCBS Oklahoma holds a 2-star rating, which places its plans at significant quality risk and may indicate higher prior authorization denial rates, slower customer service, and weaker chronic care management.
Oklahoma's statewide weighted-average Star Rating for 2026 is approximately 3.4, below the national average of roughly 3.8. For Oklahoma beneficiaries, that gap means the state average is pulled down by lower-rated plans. When shopping, use medicare.gov plan-compare to filter by Star Rating of 4.0 or higher before looking at premiums. Plans earning 5 stars (which may or may not be available in your county) trigger a Special Enrollment Period allowing enrollment any time of year at cms.gov or 1-800-MEDICARE.
How to enroll in Oklahoma Medicare Advantage
Oklahoma residents enrolling in Medicare Advantage in 2026 follow the same federal process as the rest of the country, but with state-specific carrier and county options. Use medicare.gov/plan-compare as your starting point: CMS publishes a personalized plan-finder tool keyed to your Oklahoma ZIP code that shows all plans, premiums, Star Ratings, and formularies available at your address. Oklahoma's SHIP counselors at 1-800-522-0071 provide free, unbiased guidance at no charge and do not sell plans.
- Step 1: Confirm Medicare Part A and Part B eligibility. You must already be enrolled in both Parts A and B before you can join an Oklahoma MA plan. If you are newly turning 65, your Initial Enrollment Period covers this. Contact Social Security at ssa.gov or 1-800-772-1213 to confirm enrollment status.
- Step 2: Gather your documents. You will need: your Medicare card (showing your Medicare number and Part A and B effective dates); your Oklahoma ZIP code (plan availability varies by county); a list of your current prescription medications (for formulary check); a list of your current doctors and preferred hospitals (for network verification); and your SoonerCare or Medicaid card if you are dual-eligible for a D-SNP.
- Step 3: Compare plans at medicare.gov/plan-compare. Enter your Oklahoma ZIP code. Filter plans by Star Rating (4.0 or higher recommended), monthly premium, total estimated annual cost, and maximum out-of-pocket. Pay attention to the BCBS Oklahoma 2-star warning. Oklahoma SHIP counselors (1-800-522-0071) can help you compare plans during AEP at no charge.
- Step 4: Apply. You can enroll directly through medicare.gov, by calling 1-800-MEDICARE (1-800-633-4227), or through the carrier directly by phone or online. Most Oklahoma enrollments take 10 to 15 minutes online. SoonerCare-eligible residents should contact the Oklahoma Health Care Authority (oklahoma.gov/ohca) for guidance on D-SNP enrollment.
- Step 5: Confirm your coverage start date. AEP enrollments (October 15 to December 7, 2026) start January 1, 2027. SEP enrollments typically start the first of the month after you enroll. You will receive a member ID card and Evidence of Coverage from your Oklahoma carrier within 7 to 10 business days. Review the Evidence of Coverage carefully for your plan's specific network, prior authorization rules, and drug formulary.
How to enroll in Oklahoma Medicare Advantage detail| Document | Why You Need It |
|---|
| Medicare card (Part A and B) | Required to enroll in any MA plan |
| Oklahoma ZIP code | Plan availability varies by county |
| Prescription drug list | For formulary and cost comparison |
| Doctor and hospital list | For network verification |
| SoonerCare card (if dual-eligible) | Required for D-SNP enrollment |
Oklahoma enrollment documents checklist for Medicare Advantage 2026. Common reasons Oklahoma MA applications are delayed or denied: not yet enrolled in Part B; Oklahoma ZIP code outside plan's service area; missing SoonerCare documentation for D-SNP plans; identity verification mismatch; applying for a plan type you are not eligible for (such as a D-SNP without confirmed dual-eligibility).
Source: CMS Medicare Enrollment Guide 2026; Oklahoma Health Care Authority
$0 premium plans in Oklahoma for 2026
Oklahoma has multiple $0 monthly premium Medicare Advantage plans available in 2026, with the widest selection concentrated in Oklahoma City and Tulsa metro counties. All Oklahoma ZIP codes have access to at least one $0 premium plan per CMS data. A $0 premium does NOT mean $0 total cost: you still pay the 2026 Part B premium of $202.90 per month, plus any applicable copays, deductibles, and out-of-pocket costs when you use care. Some plans offer Part B Giveback benefits that reduce your Part B premium by a fixed dollar amount, effectively lowering your overall monthly cost below $202.90. Always verify the plan's MOOP, formulary, and network before selecting based on premium alone.
$0 premium plans in Oklahoma for 2026 detail| Carrier | Plan Type | Star Rating | Counties Available |
|---|
| GlobalHealth | HMO | 4.0 | Oklahoma City metro area counties |
| Humana | HMO | 3.5 | Oklahoma City, Tulsa, and select metro counties |
| Aetna | HMO | 4.0 | Oklahoma City, Tulsa, and central Oklahoma counties |
| WellCare (Centene) | HMO/PPO | 3.0 | Statewide, multiple counties |
| BCBS Oklahoma | HMO/PPO | 2.0 | 58 of 77 Oklahoma counties (note: 2-star rating) |
| Cigna (HealthSpring) | HMO | 3.5 | Oklahoma City and Tulsa metro corridors |
Oklahoma $0 premium plan availability sample for 2026. Full list available at medicare.gov/plan-compare keyed to your specific Oklahoma ZIP code. Star Ratings reflect 2026 CMS plan year. $0 premium plans still require you to pay the 2026 Part B premium of $202.90 per month.
Source: CMS Medicare Plan Finder Q4 2025 Oklahoma data; carrier 2026 plan filings
SoonerCare and dual eligibility in Oklahoma Medicare Advantage
Oklahoma residents who qualify for both SoonerCare (Oklahoma's Medicaid program, branded as SoonerCare) and Medicare at the same time are dual eligible and can enroll in a Dual Special Needs Plan (D-SNP). Oklahoma expanded SoonerCare in July 2021 under the Affordable Care Act, extending coverage to adults earning up to 138% of the federal poverty level. That expansion significantly increased the pool of Oklahomans who may qualify for both programs simultaneously. Dual-eligible Oklahomans enrolled in a D-SNP typically have $0 monthly premium, $0 or minimal copays for primary care, and coordinated prescription drug coverage. KFF reported that 27% of Oklahoma Medicare Advantage enrollees were in Special Needs Plans in 2026, one of the higher SNP concentrations nationally.
Dual-eligible Oklahoma beneficiaries also have expanded enrollment flexibility: they can change Medicare Advantage plans (or move between MA and Original Medicare) once per quarter in Q1, Q2, and Q3, plus an additional change during AEP. If your SoonerCare status changes, you receive a Special Enrollment Period. To check whether you qualify for SoonerCare and D-SNP, visit the Oklahoma Health Care Authority at oklahoma.gov/ohca or call 1-800-987-7767. For income eligibility guidance, see the Medicaid income limits resource at coveredusa.org.
Frequently Asked Questions
How many Medicare Advantage plans are available in Oklahoma in 2026?
Oklahoma has 82 Medicare Advantage plans available statewide in 2026, up from 73 plans in 2025, according to CMS Medicare Plan Finder Q4 2025 data. The exact number available to you depends on your county and ZIP code. Oklahoma County (Oklahoma City) and Tulsa County each offer 34 to 38 plans; rural counties in the Panhandle or southeastern Oklahoma may have only 2 to 8 plans. Run a personalized search at medicare.gov/plan-compare to see your exact options.
What is the average Medicare Advantage premium in Oklahoma for 2026?
The statewide average Oklahoma Medicare Advantage premium is approximately $14 per month in 2026, down from $17.48 per month in 2025. All Oklahoma ZIP codes have access to at least one $0 monthly premium plan. PPO plans tend to run higher ($20 to $35 per month) for broader network flexibility. Remember that a $0 plan still requires paying the 2026 Part B premium of $202.90 per month. Some plans offer a Part B Giveback benefit that reduces your effective monthly cost.
When can I sign up for Medicare Advantage in Oklahoma?
Oklahoma residents can enroll during the Annual Election Period (AEP), October 15 to December 7, 2026, for coverage starting January 1, 2027. First-time enrollees can sign up during the 7-month Initial Enrollment Period around their 65th birthday. Existing MA members can make one plan switch during the Medicare Advantage Open Enrollment Period (January 1 to March 31, 2026). Special Enrollment Periods are triggered by life events such as moving out of your plan's service area, losing employer coverage, or newly qualifying for SoonerCare. Oklahoma SHIP counselors (1-800-522-0071) offer free plan comparison help during AEP.
Who has the best Medicare Advantage plans in Oklahoma?
GlobalHealth, an Oklahoma-based regional HMO, and Aetna both earn 4.0-star CMS ratings in Oklahoma for 2026 and offer $0 premium plans in their service areas. Humana is NerdWallet's top pick for Oklahoma for value and low premiums. UnitedHealthcare (AARP-branded) offers the broadest PPO network in Oklahoma City and Tulsa. Notably, Blue Cross Blue Shield of Oklahoma received a 2-star CMS rating for 2026, the lowest among major carriers, despite operating in 58 of 77 counties. The best plan for you depends on your doctors, medications, and whether you prioritize low premiums, wide network, or high quality scores.
Can I switch from Medicare Advantage back to Original Medicare in Oklahoma?
Yes. Oklahoma residents can switch back to Original Medicare during the Annual Election Period (October 15 to December 7) or the Medicare Advantage Open Enrollment Period (January 1 to March 31, 2026). However, leaving MA does not automatically give you the right to buy a Medigap policy: Oklahoma Medigap carriers are generally not required to sell you a policy without medical underwriting outside your initial Medigap open enrollment window (the 6 months after you first enroll in Part B at 65). Oklahoma does not have a Medigap birthday rule. Contact Oklahoma SHIP (1-800-522-0071) or the Oklahoma Insurance Department (oid.ok.gov) before switching to understand your Medigap options.
What is the difference between an HMO and a PPO in Oklahoma Medicare Advantage?
HMOs (about 55% of Oklahoma's 82 plans) require you to use in-network providers and usually need a referral to see a specialist. HMOs offer lower premiums (often $0 in Oklahoma metros) and are ideal for residents close to major provider networks in Tulsa or Oklahoma City. PPOs (about 27% of plans) let you see out-of-network providers at a higher cost share without a referral, making them better suited to rural Oklahoma residents who may need to travel to out-of-network specialists. PPO average premiums in Oklahoma run about $20 to $25 per month. Choose HMO for lower in-network costs; choose PPO for geographic flexibility.
Does Medicare Advantage cover prescription drugs in Oklahoma?
Most Oklahoma Medicare Advantage plans include built-in Part D prescription drug coverage (called MA-PD plans). The 2026 Part D out-of-pocket cap is $2,100 across all MA-PD plans, as set by the Inflation Reduction Act of 2022. The insulin cap of $35 per month applies to all Medicare Part D plans. Always check the plan's drug formulary for your specific medications and their tier placement before enrolling. Beneficiaries who need specialty drugs should compare formularies carefully across GlobalHealth, Aetna, Humana, and UnitedHealthcare plans.
Are dental, vision, and hearing covered by Medicare Advantage in Oklahoma?
Most Oklahoma Medicare Advantage plans include some level of routine dental, vision, and hearing coverage, benefits that Original Medicare does not cover. Coverage varies by plan: some plans cover only preventive cleanings and eye exams, while others cover crowns, hearing aids, and prescription lenses up to annual limits. Blue Cross Blue Shield of Oklahoma includes dental, vision, and hearing on most plans, as do Humana and GlobalHealth. Always check the plan's Evidence of Coverage for specific annual limits, covered services, and any cost-sharing requirements. Benefits differ significantly between plan types and carriers.
What is a Special Needs Plan (SNP) and who qualifies in Oklahoma?
Special Needs Plans (SNPs) are Medicare Advantage plans designed for three specific populations. Dual-eligible SNPs (D-SNPs) serve Oklahoma residents who qualify for both Medicare and SoonerCare (Medicaid), offering $0 premiums, coordinated benefits, and typically $0 copays for primary care. Chronic-condition SNPs (C-SNPs) serve beneficiaries with specific serious conditions such as diabetes, heart failure, or chronic lung disease, providing tailored care coordination. Institutional SNPs (I-SNPs) serve residents of nursing homes or other long-term care facilities. In 2026, approximately 27% of Oklahoma MA enrollees were in SNPs, one of the highest SNP concentrations nationally. To check D-SNP eligibility, contact the Oklahoma Health Care Authority at 1-800-987-7767 or visit oklahoma.gov/ohca.
