Medicare Advantage

Medicare and Medicaid in Oklahoma: 14 Dual Special Needs Plans for 2027

OKLAHOMA CITY — For Oklahomans who have both Medicare and SoonerCare (the state's Medicaid program), the 2027 plan year brings a familiar lineup with a few new entries. According to the CMS Medicare Advantage Landscape Source File for CY2027, 14 of the 81 Medicare Advantage plans available somewhere in Oklahoma are Dual Special Needs Plans, known as D-SNPs. They are designed specifically for people who qualify for both programs, and they will be offered by six carriers across the state.

The Annual Enrollment Period runs October 15 through December 7, 2026. A choice made during that window takes effect January 1, 2027. Dual-eligible Oklahomans also have more flexibility to change plans during the year than other Medicare beneficiaries, so no one has to feel rushed by the calendar.

What is a D-SNP and who qualifies for one in Oklahoma in 2027?

A Dual Special Needs Plan is a type of Medicare Advantage plan built for people who have both Medicare and Medicaid, and in Oklahoma that Medicaid eligibility is confirmed by the Oklahoma Health Care Authority, which administers SoonerCare. Only people the state agency recognizes as dual-eligible can enroll.

Dual eligibility comes in two broad forms. "Full" dual-eligibles qualify for the complete set of SoonerCare benefits in addition to Medicare. "Partial" dual-eligibles qualify through one of the Medicare Savings Programs, which help with Medicare costs but do not include the full Medicaid benefit package. Different D-SNPs are designed around different eligibility categories, which is one reason the plan list in Oklahoma for 2027 includes more than a dozen options rather than one single product. The state agency, not the plan or the carrier, is the entity that confirms which category a person falls into.

How many D-SNPs are offered in Oklahoma for 2027, and which carriers offer them?

Oklahoma will have 14 D-SNPs for 2027, out of 81 total Medicare Advantage plans available somewhere in the state, per the CMS Landscape file. For context, Oklahoma will also have 13 Chronic Condition SNPs (C-SNPs) and 2 Institutional SNPs (I-SNPs) in 2027; those serve different populations and are not the same as D-SNPs.

Six carriers are offering D-SNPs in Oklahoma for 2027:

• Aetna (CVS Health) — 2 plans, including Aetna Medicare Dual Care (PPO D-SNP) and the new-for-2027 Aetna Medicare Dual Extra Care (HMO D-SNP)
• CommunityCare Senior Health Plan (HMO) — 1 plan, Senior Health Plan Oklahoma Dual Complete (HMO D-SNP)
• Devoted Health — 1 plan, DEVOTED DUAL CHOICE FULL 003 OK (PPO D-SNP)
• GlobalHealth — 2 plans, Generations Dual Premier (HMO D-SNP) and Generations Dual Support (HMO D-SNP)
• Humana — 3 plans in the HumanaChoice SNP-DE PPO D-SNP family
• UnitedHealthcare — 5 plans, including UHC Dual Advantage OK-V1 (HMO-POS D-SNP), which was renamed from UHC Dual Complete OK-V001, UHC Dual Complete OK-S001 (PPO D-SNP), and three UHC Dual Complete OK-S002 (HMO-POS D-SNP) entries that are new for 2027

The full list, with county counts for each plan, appears in the plan tables on this page. Each plan is counted once statewide here, but every one of them is actually offered county by county, so a plan on the list may not be sold in every reader's county.

How often can a dual-eligible person in Oklahoma change plans in 2027?

Most people with both Medicare and SoonerCare in Oklahoma can change their Medicare Advantage or Part D plan once per calendar quarter during the first three quarters of 2027 — January through March, April through June, and July through September — through a Special Enrollment Period for dual-eligible individuals. That is in addition to the Annual Enrollment Period that ran October 15 through December 7, 2026, for a January 1, 2027 effective date.

A change made in one of those quarterly windows generally takes effect the first day of the following month. People who later lose or regain their Medicaid status also get a separate Special Enrollment Period tied to that change. The quarterly SEP cannot be used in October, November or December; during those months, the Annual Enrollment Period is the way to make a change for the following year.

How do I check which D-SNPs are offered in my Oklahoma county for 2027?

The Medicare Plan Finder at medicare.gov is the official tool for checking which of Oklahoma's 14 D-SNPs are available in a specific county for 2027, and 1-800-MEDICARE can look up the same information by phone, 24 hours a day, seven days a week. Enter a ZIP code and the tool will show the D-SNPs offered there, along with premiums, cost-sharing, drug coverage details, provider networks and star ratings.

County availability varies widely. Some D-SNPs on the Oklahoma list are offered in most of the state's 77 counties, while others appear in only a handful. The plan tables on this page show the county count for each 2027 D-SNP, which is a quick way to see whether a plan is likely to reach a given area before confirming on Plan Finder.

Before enrolling, it is also worth checking the plan's own Evidence of Coverage, formulary and provider directory, which the carrier is required to publish.

Where can Oklahomans get free help comparing D-SNPs for 2027?

Free, official help is available from Medicare itself. Medicare.gov hosts the Plan Finder, side-by-side plan comparisons and plain-language explanations of how D-SNPs work with SoonerCare. 1-800-MEDICARE (TTY 1-877-486-2048) can answer questions about enrollment windows, confirm what paperwork is needed, and walk through plan options over the phone.

For questions specifically about SoonerCare eligibility, the Oklahoma Health Care Authority is the state agency that confirms Medicaid status, which is the first step before a D-SNP enrollment can be finalized.