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2027 Medicare Advantage Plans in Carter County, OK

Last update: .

For 2027, Carter County, OK includes 12 Medicare Advantage plans. Enrollment across these plans totals approximately 1,954, with 9 $0 premium options and 67% rated 4 stars or higher.

At a Glance

  • Average Monthly Premium: $10.33/mo
  • $0 Premium Plans: 9
  • Average MOOP: $5,771 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 67% · 3 Stars: 33% · Below 3: 0%
  • Average Part D Deductible: $519.44
  • Total MA/MAPD Enrollment: 1,954
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. HumanaChoice H5216-337 (PPO) — 465 enrollees
    2. Aetna Medicare Signature (PPO) — 450 enrollees
    3. AARP Medicare Advantage from UHC OK-0001 (HMO-POS) — 342 enrollees

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Carter County, OK are provided separately. Or you can discover all Medicare Options in Carter County, OK. For a statewide view, browse Medicare Advantage plans in Oklahoma to examine available plan types, average premiums, out-of-pocket limits, CMS star ratings, and the most-enrolled plans across the state.

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.

Total PPO Plans
5
Average Monthly Premium
$17.00/mo
Total PPO Enrollment
1,233
$0 Premium PPO Plans
3
Average MOOP
$6,260
Top PPO by Enrollment
HumanaChoice H5216-337 (PPO) — 465 enrollees
PPO Plans Without Drug Coverage
1

2027 PPO Medicare Advantage plans in Carter County, Oklahoma (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $4,700 N/A H5216-278-1
HumanaChoice H5216-081
☆☆☆☆☆
 $26 $6,850 $700 H5216-081-0
HumanaChoice H5216-083
☆☆☆☆☆
 $59 $6,900 $700 H5216-083-0
HumanaChoice H5216-337
☆☆☆☆☆
 $0 $5,700 $520 H5216-337-1
Aetna Medicare Signature
☆☆☆☆☆
 $0 $7,150 $700 H3288-020-0

What is the typical premium for PPO plans available in Carter?

PPO plans in Carter cost $17.00 per month on average.

Which PPO plan do most beneficiaries choose in Carter?

The most popular PPO plan in Carter is HumanaChoice H5216-337 (PPO), with 465 enrollees.

How many PPO options are offered without drug coverage in Carter?

1 PPO plans in Carter do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.

  • Total HMO Plans 3
  • Average Monthly Premium $0.00/mo
  • Total HMO Enrollment 107
  • $0 Premium HMO Plans 3
  • Average MOOP $3,900
  • Top HMO by Enrollment Generations Classic Rewards (HMO) — 67 enrollees
  • HMO Plans Without Drug Coverage 1

2027 HMO Medicare Advantage plans in Carter County, Oklahoma (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Generations Classic Plus
☆☆☆☆☆
 $0 $3,900 $0 H3706-023-0
Generations Classic Rewards
☆☆☆☆☆
 $0 $3,900 $0 H3706-001-0
Generations Valor
☆☆☆☆☆
 $0 $3,900 N/A H3706-009-0
What is the total number of HMO plans offered in Carter?

In 2027, Carter County has 3 HMO plans with 107 enrollees.

How much do HMO plans cost in Carter?

The typical HMO premium in Carter is $0.00, and 3 plans have no monthly premium.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
4
Average Monthly Premium
$9.75/mo
Total HMO-POS Enrollment
614
$0 Premium HMO-POS Plans
3
Average MOOP
$6,563
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC OK-0001 (HMO-POS) — 342 enrollees
HMO-POS Plans Without Drug Coverage
1

2027 HMO-POS Medicare Advantage plans in Carter County, Oklahoma (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
AARP Medicare Advantage Essentials from UHC OK-3
☆☆☆☆☆
 $0 $6,500 $685 H5253-173-0
AARP Medicare Advantage Extras from UHC OK-10
☆☆☆☆☆
 $0 $7,150 $685 H5253-204-0
AARP Medicare Advantage from UHC OK-0001
☆☆☆☆☆
 $39 $5,900 $685 H5253-171-0
AARP Medicare Advantage Patriot No Rx OK-MA2
☆☆☆☆☆
 $0 $6,700 N/A H5253-205-0
What is the average monthly premium for HMO-POS plans?
HMO-POS plans in Carter cost $9.75 per month on average.
Which HMO-POS plan is most popular in Carter?
The most popular HMO-POS plan in Carter is AARP Medicare Advantage from UHC OK-0001 (HMO-POS), with 342 enrollees.
How many HMO-POS plans in Carter do not include drug coverage?
There are 1 HMO-POS plans in Carter without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Carter County, OK (2027) are summarized below.

Quality Ratings for Medicare Advantage Plans in Carter County, OK (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 8 67%
3 Stars 4 33%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.83

* Star ratings are based on CMS quality measures and reflect plan performance for the 2027 rating period.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Carter County, Oklahoma, including communities such as Ardmore, Healdton, Lone Grove, Wilson, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation .

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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .