Medicare Advantage

Medicare and Medicaid in Tulsa: the Dual Special Needs Plans 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.

TULSA — Fall 2026. If you have both Medicare and Oklahoma Medicaid (SoonerCare), your choices for 2027 are coming into focus. Tulsa County will have 12 Dual Special Needs Plans (D-SNPs) on offer for the 2027 plan year, spread across six carriers — a mix that includes a plan new to the area and one that is being renamed. The Annual Enrollment Period runs October 15 through December 7, 2026, and changes made in that window start January 1, 2027. The good news for dual-eligible residents: your enrollment rules are more flexible than most, and you don't have to pick a D-SNP at all if a different Medicare path fits you better.

What a D-SNP is, in plain terms

A Dual Special Needs Plan is a type of Medicare Advantage plan built for people who have both Medicare and Medicaid. It bundles your Part A (hospital), Part B (doctor) and Part D (prescription drug) coverage into one plan, and it is designed to work alongside the help Medicaid gives you. All 12 D-SNPs in Tulsa County for 2027 include drug coverage.

D-SNPs are one of three kinds of Special Needs Plans. For 2027, Tulsa County will also have 9 Chronic Condition SNPs (C-SNPs), for people with certain long-term conditions, and 2 Institutional SNPs (I-SNPs), generally for people living in a nursing facility. This article focuses on the D-SNPs.

Who qualifies: full vs. partial dual eligibility

To join a D-SNP you must have Medicare and be enrolled in some form of Oklahoma Medicaid. The state uses several categories:

• Full dual eligibility generally means Medicaid pays for services Medicare does not fully cover and also pays your Medicare cost-sharing.
• Partial dual eligibility usually means Medicaid helps with your Medicare premiums or cost-sharing through a Medicare Savings Program (such as QMB, SLMB or QI), but does not provide full Medicaid benefits.

Different D-SNPs are built for different categories. Your Medicaid level — confirmed by the Oklahoma Health Care Authority (SoonerCare) — determines which plans you are eligible to join. If you aren't sure which category you fall into, SoonerCare can tell you, and 1-800-MEDICARE can help you match that to the plans available in Tulsa County.

The 12 D-SNPs offered in Tulsa County for 2027

Tulsa is in Tulsa County, where plan availability is set at the county level. For 2027, these six carriers are offering D-SNPs:

• Aetna (CVS Health) — 2 D-SNPs: Aetna Medicare Dual Care (PPO D-SNP); Aetna Medicare Dual Extra Care (HMO D-SNP), new for 2027
• CommunityCare Senior Health Plan (HMO) — 1 D-SNP: Senior Health Plan Oklahoma Dual Complete (HMO D-SNP)
• Devoted Health — 1 D-SNP: DEVOTED DUAL CHOICE FULL 003 OK (PPO D-SNP)
• GlobalHealth — 2 D-SNPs: Generations Dual Premier (HMO D-SNP); Generations Dual Support (HMO D-SNP)
• Humana — 3 D-SNPs: HumanaChoice SNP-DE H5216-228 (PPO D-SNP); HumanaChoice SNP-DE H5216-331 (PPO D-SNP); HumanaChoice SNP-DE H7617-076 (PPO D-SNP)
• UnitedHealthcare — 3 D-SNPs: UHC Dual Advantage OK-V1 (HMO-POS D-SNP), renamed from UHC Dual Complete OK-V001; UHC Dual Complete OK-S001 (PPO D-SNP); UHC Dual Complete OK-S002 (HMO-POS D-SNP), new for 2027

The table below lists every Medicare Advantage plan sold in Tulsa County, including these D-SNPs. For specific premiums, drug lists, provider networks and extra benefits, use the Medicare Plan Finder at medicare.gov, call 1-800-MEDICARE, or ask the plan for its Evidence of Coverage.

How often a dual-eligible person can change plans

Most people with Medicare can only make changes during the fall Annual Enrollment Period (Oct. 15 – Dec. 7) or the Medicare Advantage Open Enrollment Period (Jan. 1 – March 31). People with Medicaid or Extra Help have more flexibility.

Under current rules, if you have both Medicare and Medicaid you generally have a monthly Special Enrollment Period that lets you either:

• join an integrated D-SNP (one aligned with your Medicaid plan), or
• leave a Medicare Advantage plan and return to Original Medicare, then add a stand-alone Part D drug plan.

CMS has been tightening how these monthly opportunities work, so the exact rules can change year to year. Before you switch, call 1-800-MEDICARE (1-800-633-4227) to confirm which Special Enrollment Period applies to you right now.

How to confirm your eligibility

Three quick checks before you enroll:

1. Confirm your Medicare status at medicare.gov or by calling 1-800-MEDICARE. You need both Part A and Part B to join a D-SNP. 2. Confirm your Medicaid category with the Oklahoma Health Care Authority (SoonerCare). They can tell you whether you are full-benefit dual or in a Medicare Savings Program, which determines which D-SNPs you qualify for. 3. Compare the plan to your needs. Check that your doctors are in-network and your medications are on the drug list. A plan that works well for a neighbor may not fit your care.

If your Medicaid eligibility ever changes, the D-SNP has a grace period but will eventually end your enrollment if you no longer qualify — another reason to keep your SoonerCare information up to date.

What's changing for 2027, countywide

Across all Medicare Advantage plans in Tulsa County, 14 plans are not returning for 2027, 7 are new, and 5 have been renamed. If you are already in a plan, read the Annual Notice of Change (ANOC) your carrier mailed in September — it spells out next year's changes. If you do nothing, your current plan simply renews (if it is still offered).

A few program-level 2027 figures that apply to anyone with Part D coverage, including D-SNP members:

• Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026).
• Part D maximum deductible: $700 in 2027 (up from $615 in 2026).
• The 2027 Part B standard premium and the 2027 IRMAA income brackets have not yet been announced; CMS typically publishes them in November.