Medicare Advantage

Shopping Medicare Advantage in Tulsa? Here are all 50 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.

Medicare AdvantageTulsa, OK

If you're comparing Medicare Advantage coverage in Tulsa this fall, you have a lot to sort through. For plan year 2027, eight carriers are offering a combined 50 Medicare Advantage plans in Tulsa County, and every one of them includes prescription drug coverage. The full lineup — every plan, grouped by carrier, with its plan type — is in the table on this page.

Because Medicare sets plan availability at the county level, this list reflects what's offered across Tulsa County, which includes the city of Tulsa. It comes from the CMS Medicare Advantage Landscape Source File for 2027.

Who's offering plans in Tulsa County

Eight carriers have 2027 Medicare Advantage plans available in Tulsa County. Listed alphabetically, they are:

• Aetna (CVS Health) — 4 plans (PPO)
• American Health Advantage of Oklahoma — 1 plan (HMO)
• Blue Cross Blue Shield (HCSC) — 8 plans (HMO, PPO)
• Centene (WellCare) — 3 plans (PPO)
• CommunityCare Senior Health Plan — 6 plans (HMO)
• Devoted Health — 5 plans (PPO)
• GlobalHealth — 7 plans (HMO)
• Humana — 18 plans (HMO, PFFS, PPO)
• UnitedHealthcare — 10 plans (HMO-POS, PPO)

Humana has the largest slate in the county with 18 plans, followed by UnitedHealthcare with 10 and Blue Cross Blue Shield with 8. That's an availability count only — it doesn't say anything about which carrier or plan fits any one person best. The table below lists every plan by name.

What the plan types mean

You'll see four plan types in the Tulsa County roster. Here's the plain-English version:

• HMO (Health Maintenance Organization): You generally use in-network doctors and often need referrals to see specialists.
• HMO-POS (Point of Service): An HMO with a limited option to see some out-of-network providers, usually at a higher cost.
• PPO (Preferred Provider Organization): More flexibility to see out-of-network doctors, usually at a higher cost share.
• PFFS (Private Fee-for-Service): You can generally see any Medicare-approved provider who agrees to the plan's terms.

PPOs make up the majority of the Tulsa County lineup (37 of the 62 plans). There is one PFFS plan, offered by Humana.

About Special Needs Plans

Of the 62 plans available, 24 are Special Needs Plans (SNPs). SNPs limit membership to people who meet certain qualifications:

• D-SNPs are for people who have both Medicare and Medicaid.
• C-SNPs are for people with specific chronic conditions, such as diabetes or heart conditions.
• I-SNPs are for people living in an institutional setting, like a nursing home, or who need that level of care at home.

You'll see these labels in the plan names in the table — for example, plans marked "D-SNP," "C-SNP" or "I-SNP." If you don't meet the eligibility rules, an SNP isn't an option for you, so it helps to know what the acronym means before you click in.

Drug coverage and the 2027 Part D rules

Every 2027 Medicare Advantage plan in Tulsa County includes Part D prescription drug coverage built in. There are no stand-alone Part D plans listed for the area in the CMS file, so if you want drug coverage bundled with your medical benefits, one of these MA-PD plans is the route.

A few program-wide Part D facts to keep in mind for 2027:

• The out-of-pocket cap for covered Part D drugs is $2,100 in 2026 ($2,400 in 2027). Once you hit it, you pay $0 for covered drugs the rest of the year.
• The maximum Part D deductible a plan can charge is $615 in 2026 ($700 in 2027). Plans can charge less.
• The old coverage gap (the "donut hole") was eliminated in 2025. Part D now has three phases instead of four.
• The Medicare Prescription Payment Plan lets you spread your drug costs over monthly payments through the plan year, at no added cost. It's optional.

Specific copays, deductibles and covered drug lists vary by plan — check each plan's Summary of Benefits or the Medicare Plan Finder for those details.

When you can enroll or switch

Two windows matter most:

• Annual Enrollment Period: October 15 – December 7, 2026. This is when you can join, switch or drop a Medicare Advantage or Part D plan for 2027.
• Medicare Advantage Open Enrollment: January 1 – March 31. If you're already in a Medicare Advantage plan, you can switch to a different MA plan or go back to Original Medicare (with a Part D plan) once during this window.

There are also Special Enrollment Periods for life events like moving out of your plan's service area or losing other coverage.

How to compare plans the right way

The best tool for a personal comparison is Medicare.gov's Plan Finder. It lets you enter your ZIP code, your prescriptions and your preferred pharmacies, then shows each plan's premium, deductible, drug costs and star rating side by side.

You can also:

• Call 1-800-MEDICARE (1-800-633-4227), 24/7.
• Contact Oklahoma's State Health Insurance Assistance Program (SHIP), called Senior Health Insurance Counseling Program (SHICP) in Oklahoma, for free, unbiased one-on-one help.
• Read each plan's Summary of Benefits and Evidence of Coverage on the carrier's website.