Medicare Advantage

Does Your Tulsa Advantage Plan Still Fit for 2027?

For 2027, Tulsa is looking at 55 Medicare Advantage plans: 7 new, 14 gone since 2026, and 20 still here but changed on premium, deductible, plan type or name, 5 of them under a new name. Below, how the lineup shifted in Tulsa County and what to compare, with no plan ranked or recommended.

Fall 2026 — If you have a Medicare Advantage plan in Tulsa, this is the stretch when the mail gets heavy and the TV ads get louder. The Annual Enrollment Period runs October 15 through December 7, 2026, and any change you make now takes effect January 1, 2027. You do not have to switch. But you do want to open the envelope from your plan and spend an hour making sure next year still fits.

Here is a calm, step-by-step way to compare the 2027 Medicare Advantage plans available in Tulsa County — the county Tulsa sits in, since Medicare sets plan availability by county.

What Tulsa's 2027 lineup looks like

For plan year 2027, Tulsa County residents can choose among 55 Medicare Advantage plans from 8 carriers. By type, that breaks down to 19 HMO, 6 HMO-POS, 29 PPO, and 1 PFFS plan. All 55 include prescription drug coverage.

23 are Special Needs Plans — 12 D-SNPs (for people with both Medicare and Medicaid), 9 C-SNPs (for people with certain chronic conditions like diabetes or heart disease), and 2 I-SNPs (for people living in a nursing home or needing that level of care).

Compared with 2026, 7 plans are new, 14 are not returning, and some have been renamed. The carriers offering plans in Tulsa County for 2027 are:

• Aetna (CVS Health) — 6 plans
• American Health Advantage of Oklahoma — 1 plan
• CommunityCare Senior Health Plan (HMO) — 6 plans
• Devoted Health — 7 plans
• GlobalHealth — 7 plans
• Humana — 17 plans
• Native Advantage — 1 plan
• UnitedHealthcare — 10 plans

The full roster, with plan types, is in the table on this page.

Step 1: Read your Annual Notice of Change

If you are already in a Medicare Advantage plan, your insurer mailed you an Annual Notice of Change (ANOC) in September. It is the single most useful document you own right now.

Look specifically at:

• The 2027 monthly premium and the plan's medical deductible.
• Primary care, specialist and urgent care copays.
• The yearly out-of-pocket maximum.
• Any changes to extra benefits (dental, vision, hearing, over-the-counter, fitness).
• The drug formulary — which tier your prescriptions sit on in 2027.
• Whether your plan is one of the 14 not returning to Tulsa County next year.

If your plan is leaving, you will get a separate non-renewal letter, and you have a Special Enrollment Period to pick a new one.

Step 2: Check your doctors and hospitals

Networks change every January. Before you commit to any plan — even your current one — do two things:

1. Call your primary care doctor's office and ask which 2027 Medicare Advantage plans they will be in-network for. 2. Do the same for the hospital system you prefer and any specialists you see regularly.

Then confirm by looking up each provider in the plan's own online directory. If a plan is a PPO you have out-of-network flexibility, usually at a higher cost; if it is an HMO you are generally limited to in-network except for emergencies.

Step 3: Price your prescriptions

This is where the Medicare Plan Finder at medicare.gov earns its keep. Create or sign in to your account, enter every drug you take with the exact dose, and add the two or three pharmacies you actually use. The tool will show each plan's estimated yearly drug cost at your pharmacies — which can vary a lot depending on whether a pharmacy is "preferred" by that plan.

A few 2027 program facts to keep in mind while you look:

• The Part D out-of-pocket cap is $2,400 in 2027 (it is $2,100 in 2026). Once your spending on covered drugs hits that cap, you pay $0 for covered drugs the rest of the year.
• The Part D maximum deductible is $700 in 2027 (up from $615 in 2026). Plans can set a lower deductible.
• The Medicare Prescription Payment Plan lets you spread drug costs over the year in monthly installments, instead of paying a big charge at the pharmacy counter. It is optional.

Step 4: Compare in the Plan Finder, then verify

Once your drugs and pharmacies are entered, filter the Plan Finder to show Medicare Advantage plans in Tulsa County. You can sort by lowest estimated total yearly cost, by star rating, or by monthly premium. Star ratings are CMS's quality score (1 to 5 stars) based on member experience, customer service, and clinical measures — useful context, not a verdict.

Before you enroll, verify three things directly with the plan:

• Your doctors and hospital are in the 2027 network.
• Your drugs are on the 2027 formulary at the tier the Plan Finder showed.
• Any extra benefit you care about (dental allowance, hearing aids, transportation, groceries for chronic conditions) is spelled out in the Evidence of Coverage, not just the brochure.

Step 5: Think about what kind of plan fits

Tulsa County's 2027 lineup includes HMOs, HMO-POS plans, PPOs and one PFFS plan. The right type depends on how you use care:

• HMO: lower cost in exchange for staying in-network and using a primary care doctor for referrals.
• HMO-POS: an HMO that lets you go out-of-network for some services, at a higher cost.
• PPO: more freedom to see out-of-network providers; typically higher premiums.
• PFFS: any Medicare provider who agrees to the plan's terms can see you.
• D-SNP, C-SNP, I-SNP: special-needs plans with eligibility rules — being dually eligible for Medicaid, having a qualifying chronic condition, or needing nursing-home-level care.

What CMS has not announced yet

Two 2027 figures are not public as of this writing: the standard Part B premium and deductible, and the IRMAA income brackets that add surcharges for higher earners. CMS typically releases these in November. For context, in 2026 IRMAA begins above $109,000 in income for a single filer. We will update as the numbers post.

Where to go for the official answers

• medicare.gov — the Medicare Plan Finder, your plan's details and star ratings.
• 1-800-MEDICARE (1-800-633-4227), 24/7 — personalized help, including help enrolling.
• Your plan's own member services line and Evidence of Coverage for 2027.

Take the hour. If your plan still works, do nothing and it renews. If something has shifted — your drug moved tiers, your cardiologist left the network, a new plan looks like a better fit — you have until December 7 to make the change.