Medicare Part D

Oklahoma Part D Plans for 2027: 9 Stand-Alone Drug Plans From 4 Insurers, Down From 11

OKLAHOMA CITY — Oklahomans who buy a stand-alone Medicare prescription drug plan will choose from 9 plans offered by 4 insurers for 2027, according to the Centers for Medicare & Medicaid Services (CMS) Landscape files. That is a step down from 11 plans and 5 insurers in 2026. Open Enrollment runs October 15 through December 7, 2026, and the plan a person picks takes effect January 1, 2027.

How many stand-alone Part D plans does Oklahoma have for 2027?

Oklahoma has 9 stand-alone Medicare Part D drug plans from 4 insurers for 2027, down from 11 plans and 5 insurers in 2026, per the CMS Landscape files. The state sits in the CMS Part D region named "Oklahoma," and stand-alone plans are sold region-wide, so the same slate of 9 plans is available to a person in Tulsa, Lawton, Enid or anywhere else in Oklahoma.

The year-over-year drop reflects one insurer, HealthSpring, not offering a stand-alone Part D plan in Oklahoma for 2027 after offering one in 2026. These counts cover stand-alone drug plans only. Drug coverage that comes built into a Medicare Advantage plan is counted separately and is not part of this total.

Which insurers offer stand-alone Part D plans in Oklahoma for 2027?

Four insurers offer stand-alone Part D plans in Oklahoma for 2027. In alphabetical order, they are:

• Blue Cross and Blue Shield of IL, NM, OK, TX — 2 plans
• Humana — 3 plans
• UnitedHealthcare — 2 plans
• Wellcare — 2 plans

The list is alphabetical and not a ranking. Plan names, formularies, pharmacy networks and prices vary and should be checked plan by plan on the Medicare Plan Finder at medicare.gov.

What do the 2027 Part D out-of-pocket cap and deductible limit mean in Oklahoma?

For 2027, no one in a Medicare Part D plan — in Oklahoma or anywhere else — pays more than $2,400 out of pocket for covered prescription drugs in the calendar year, and no Part D plan may charge a deductible higher than $700. The cap was $2,100 in 2026, so the ceiling moves up by $300 for 2027.

Once a member's out-of-pocket spending on covered drugs reaches $2,400, the plan pays 100% of the cost of covered drugs for the rest of the year. The $700 figure is a maximum: individual plans may set a lower deductible or none at all. Specific deductible amounts for each Oklahoma plan appear on the Plan Finder and in each plan's own documents.

CMS also sets a national base beneficiary premium of $41.33 for 2027. That figure is used to calculate the Part D late-enrollment penalty for people who go without creditable drug coverage; it is not the premium of any particular Oklahoma plan.

Which Oklahoma Part D plans can someone with full Extra Help join with no premium in 2027?

In 2027, 2 stand-alone Part D plans in Oklahoma are benchmark plans that a person with full Extra Help (the federal Low-Income Subsidy) can join with no monthly premium. In 2026, 3 benchmark plans were available in the state.

Extra Help lowers Part D premiums, deductibles and copays for people with limited income and resources. The Social Security Administration takes Extra Help applications, and CMS designates which specific plans qualify as $0-premium benchmark options each year. The current list of Oklahoma benchmark plans is on medicare.gov.

How does stand-alone Part D in Oklahoma compare with drug coverage built into Medicare Advantage?

A stand-alone Part D plan in Oklahoma covers prescription drugs only and pairs with Original Medicare, while most Medicare Advantage plans bundle drug coverage with hospital and medical benefits in a single plan. The 9 plans and 4 insurers listed above are stand-alone Part D only.

Medicare Advantage plans that include drugs are counted separately by CMS and are chosen county by county, not statewide. Someone comparing options in Oklahoma can look at both tracks on the Plan Finder; the Part D out-of-pocket cap of $2,400 for 2027 applies to Part D drug coverage whether it is stand-alone or inside a Medicare Advantage plan.

How can I check a plan's drug list and pharmacies in Oklahoma before December 7, 2026?

The clearest way to check a 2027 plan's formulary (drug list) and pharmacy network before the December 7, 2026 deadline is the Medicare Plan Finder at medicare.gov. Enter a ZIP code, add each prescription with its dose and quantity, and the tool shows which Oklahoma plans cover the drug, at what tier, and which pharmacies are in network.

A few things worth doing while the enrollment window is open:

• Make a list of every prescription, including dosage and how often it is filled.
• Note preferred pharmacies, including mail order if used.
• Compare each plan's coverage of those specific drugs rather than relying on a general impression.
• Save or print the summary from Plan Finder for reference.

Plan documents from the insurer — the Summary of Benefits, Evidence of Coverage and formulary — are the authoritative source for what a plan covers in 2027.

Where can Oklahomans get free help with Medicare Part D?

Free, unbiased help with Medicare Part D is available directly from Medicare. The Plan Finder at medicare.gov lets a person compare every 2027 stand-alone plan in Oklahoma side by side, and 1-800-MEDICARE (1-800-633-4227) is staffed 24 hours a day, 7 days a week, to answer questions and help with enrollment.

For Extra Help, applications and eligibility information come from the Social Security Administration at ssa.gov or 1-800-772-1213. The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for Social Security benefits payable beginning January 2027, which is separate from Part D premiums and set independently.