Medicare Advantage

Humana Medicare Advantage in Oklahoma for 2027: 23 Plans, County by County

OKLAHOMA CITY — For plan year 2027, Humana lists 23 Medicare Advantage plans across Oklahoma, according to the CMS Medicare Advantage Landscape Source File. The mix includes HMO, HMO-POS, PPO and PFFS options, along with Special Needs Plans for people with certain chronic conditions or both Medicare and Medicaid. Because Medicare Advantage is sold county by county, a plan that appears on the statewide list may or may not be offered where you live. This article is published by an independent Medicare education site; it is not the government and not Humana.

What does Humana offer across Oklahoma for 2027?

Humana lists 23 Medicare Advantage plans in Oklahoma for plan year 2027. By plan type, that breaks down to 3 HMO plans, 1 HMO-POS plan, 17 PPO plans and 2 PFFS plans. Twenty of the 23 plans include Part D prescription drug coverage; three do not.

Humana's Oklahoma lineup for 2027 also includes Special Needs Plans: 3 Dual Eligible SNPs (D-SNP) for people enrolled in both Medicare and Medicaid, and 3 Chronic Condition SNPs (C-SNP) that in this case are oriented to people with diabetes and heart conditions. Humana lists no Institutional SNPs (I-SNP) in Oklahoma for 2027.

For context, CMS lists 8 other Medicare Advantage carriers operating in Oklahoma for 2027, with 81 Medicare Advantage plans statewide across all carriers combined. The full plan-by-plan details are shown in the tables on this page.

Which Humana plans have the widest county reach in Oklahoma for 2027?

The widest-reaching Humana plans in Oklahoma for 2027 are its PPO offerings. According to the CMS Landscape file, the two Humana USAA Honor Giveback (PPO) plans are listed in 64 and 63 counties respectively, and HumanaChoice SNP-DE H5216-228 (PPO D-SNP) is listed in 55 counties. Two other D-SNPs — HumanaChoice SNP-DE H5216-331 (PPO D-SNP) and HumanaChoice SNP-DE H7617-076 (PPO D-SNP) — are each listed in 54 counties.

Other broadly listed options include HumanaChoice H5216-081 (PPO) and HumanaChoice H5216-083 (PPO) at 48 counties each, Humana Essentials Plus Giveback (PPO) at 44 counties, and the two HumanaChoice - Diabetes and Heart (PPO C-SNP) plans at 42 counties each. The narrowest county reach on the Humana list for 2027 belongs to the renamed Humana Total Complete (HMO-POS), listed in 2 counties. "Widest reach" is simply a count of counties where a plan is offered — not a judgment about the plan.

What is new or not returning from Humana in Oklahoma for 2027?

For Oklahoma in 2027, Humana lists 0 brand-new Medicare Advantage plans and 1 plan from 2026 that is not returning. Several plans carry new names but are the same plan contracts as last year.

Renamed plans on the 2027 Humana list include Humana Essentials Plus Giveback (PPO) (previously HumanaChoice Giveback H7617-056 (PPO)), Humana Value Choice (PPO) (previously Humana Full Access H7617-053 (PPO)), and three Humana Total Complete plans that were previously branded as Humana Gold Plus. If you were enrolled in one of these plans in 2026, the Annual Notice of Change (ANOC) from Humana will show the new name and any changes in cost or coverage for 2027. If your current plan is the one that is not returning, Humana will send a non-renewal notice explaining your options and the Special Enrollment Period that follows.

How do I check whether a Humana plan is offered in my Oklahoma county and covers my doctors and drugs?

Start at medicare.gov's Plan Finder and enter your ZIP code; it will show only the Medicare Advantage plans offered in your county for 2027. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week.

Because Medicare Advantage is sold county by county, any plan named in this article or in the tables above may not be available at your address. Once you see the plans in your county, check three things specific to each one: whether your doctors, hospitals and other providers are in the plan's network; whether your prescriptions are on the plan's formulary and at what tier; and the plan's rules for referrals, prior authorization and out-of-network care. Those details come from the plan's Evidence of Coverage, Summary of Benefits, provider directory and drug list — not from a statewide plan count.

What should Oklahomans do before December 7, 2026?

The Annual Enrollment Period for 2027 Medicare Advantage and Part D coverage runs October 15 – December 7, 2026, and any choice you make during that window takes effect January 1, 2027. There is no need to rush; the dates are fixed.

A reasonable checklist: read the ANOC from your current plan (it arrives in the fall and spells out 2027 changes); make a list of your current doctors, pharmacies and prescriptions; use the Plan Finder at medicare.gov to compare the plans actually offered in your county; and confirm any plan you are considering by calling the plan directly or 1-800-MEDICARE. If you want to keep what you have and it is renewing, you generally do not need to do anything.

Where can Oklahomans get free help with Medicare for 2027?

Free, official help is available from Medicare itself. Medicare.gov hosts the Plan Finder, enrollment tools and plain-language explanations of how Medicare Advantage, Part D and Medigap work. 1-800-MEDICARE (TTY 1-877-486-2048) is staffed around the clock and can walk you through the plans available in your Oklahoma county for 2027.

The Social Security Administration (ssa.gov or 1-800-772-1213) handles Medicare enrollment tied to Social Security, and can help with the Extra Help program for prescription drug costs. For questions specific to a Humana plan — benefits, networks, prior authorization — contact Humana using the number on the plan's materials.