Medicare Advantage

Tulsa Medicare 2027: your ANOC checklist before the Dec. 7 deadline

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 — It is fall 2026, and the envelope that matters most right now is already sitting in a lot of Tulsa mailboxes. It is called the Annual Notice of Change, or ANOC, and your current Medicare Advantage or Part D plan sent it to tell you what will be different about your coverage in 2027. The Annual Enrollment Period runs October 15 through December 7, 2026, and any switch you make during that window starts January 1, 2027.

If you do nothing, your plan simply renews — with whatever changes the ANOC describes. That is why reading it carefully this fall is the single most useful hour you can spend on Medicare.

Start with the ANOC that came in the mail

Every Medicare Advantage and Part D plan is required to send an ANOC by late September. It is a side-by-side of this year versus next year. When you open it, look specifically for:

• The monthly premium for 2027, and the plan deductible.
• Changes to copays or coinsurance for primary care, specialists, urgent care, hospital stays and mental health visits.
• Changes to the drug formulary — which tier your medications sit on, and whether any now need prior authorization or step therapy.
• Changes to extra benefits like dental, vision, hearing, over-the-counter allowances or fitness.
• Any note that the plan is leaving your area or being consolidated into another plan.

If the ANOC is hard to follow, the companion document called the Evidence of Coverage has the full detail.

Check your doctors and Tulsa hospitals for 2027

Networks can change year to year. Before December 7, confirm that:

• Your primary care doctor is still in-network for 2027 under the specific plan you are considering (not just "with the insurer").
• The Tulsa-area hospitals and specialists you use — including any system you prefer for surgery or cancer care — are still contracted.
• If you travel or spend part of the year outside Oklahoma, you understand how the plan handles out-of-area care. HMO, HMO-POS, PPO and PFFS plans each treat this differently.

The safest way to verify is to call the plan directly with your doctor's name and NPI, or check the plan's online provider directory for the 2027 plan year, not the current one.

Price out your prescriptions on the 2027 formulary

Drug coverage is where most surprises hide. A few things to know for next year:

• The Part D out-of-pocket cap rises to $2,400 in 2027, up from $2,100 in 2026.
• The Part D maximum deductible is $700 in 2027, up from $615 in 2026.
• The coverage gap ("donut hole") is gone as of 2025 — Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the year in monthly installments if you choose.

The Medicare Plan Finder at medicare.gov lets you type in each medication and your preferred Tulsa pharmacy, then shows your projected 2027 costs under each plan. Do this with your current bottles in hand.

Know what Tulsa County actually offers

Medicare Advantage availability is set at the county level. Tulsa is in Tulsa County, where CMS lists 62 Medicare Advantage plans from 9 carriers for the 2026 plan year: Aetna (CVS Health), American Health Advantage of Oklahoma, Blue Cross Blue Shield (HCSC), Centene (WellCare), CommunityCare Senior Health Plan (HMO), Devoted Health, GlobalHealth, Humana and UnitedHealthcare. By plan type, that breaks down to 18 HMO, 6 HMO-POS, 37 PPO and 1 PFFS; 24 of the 62 are Special Needs Plans, and all 62 include drug coverage.

The table below lists every plan available in the county. Use it as a starting point, then narrow by what you actually need.

A few 2027 figures are not public yet

CMS has not yet published the 2027 Part B standard premium or deductible, or the 2027 IRMAA income brackets and surcharges. Those usually come out later in the fall, typically in November. If a 2027 Part B number matters to your decision, wait for the official announcement on medicare.gov rather than acting on an estimate.

For reference, in 2026, IRMAA surcharges begin above $109,000 in income for a single filer.

Your pre-Dec. 7 checklist

• Read the ANOC cover to cover and circle anything that changed.
• Confirm your doctors and hospitals are in-network for 2027.
• Run your prescriptions through the Plan Finder with your Tulsa pharmacy selected.
• Decide whether extra benefits you actually use (dental, OTC, transportation) are staying.
• If you have both Medicare and Medicaid, or a qualifying chronic condition, check whether a Special Needs Plan fits.
• Make any change by December 7, 2026 for a January 1, 2027 start.