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  1. 🏠
  2. Medicare Advantage Plans
  3. Oklahoma
  4. Carter County

2026 Medicare Advantage Plans in Carter County, OK

Last update: September 3, 2026.

Carter County, OK has 22 Medicare Advantage plans available in 2026. These include 16 plans with no monthly premium, and roughly 32% are rated at least 4 stars based on CMS data.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Carter County, OK. Or explore all Medicare Options available in Carter County, OK.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium: $18.68/mo
$0 Premium Plans: 16
Average MOOP: $5,584 ($9,250 max. in 2026)
Star Ratings (Plan Mix): 4+ Stars: 32% · 3 Stars: 68% · Below 3: 0%
Average Part D Deductible: $432.06
Total MA/MAPD Enrollment: 2,467
Plans with the Highest Enrollment
(as of September 8, 2026)
1. HumanaChoice H5216-337 (PPO) — 461 enrollees
2. Aetna Medicare Signature (PPO) — 443 enrollees
3. AARP Medicare Advantage from UHC OK-0001 (HMO-POS) — 343 enrollees

Medicare Advantage PPO Plans

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

  • Total PPO Plans 14
  • Average Monthly Premium $26.79/mo
  • Total PPO Enrollment 1,682
  • $0 Premium PPO Plans 9
  • Average MOOP $5,961
  • Top PPO by Enrollment HumanaChoice H5216-337 (PPO) — 461 enrollees
  • PPO Plans Without Drug Coverage 3

Comparison table of 2026 PPO Medicare Advantage Plans available in Carter County, Oklahoma
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC OK-0005
☆☆☆☆☆
$59 $5,900 $600 H8768-008-0
AARP Medicare Advantage from UHC OK-0007
☆☆☆☆☆
$0 $6,700 $600 H8768-016-0
AARP Medicare Advantage Patriot No Rx OK-MA01
☆☆☆☆☆
$0 $5,200 N/A H8768-028-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $300 H3288-020-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H5216-278-1
HumanaChoice H5216-081
☆☆☆☆☆
$14 $6,750 $615 H5216-081-0
HumanaChoice H5216-083
☆☆☆☆☆
$46 $6,750 $615 H5216-083-0
HumanaChoice H5216-337
☆☆☆☆☆
$0 $5,700 $420 H5216-337-1
Blue Cross Medicare Advantage Balance
☆☆☆☆☆
$97 $4,500 $450 H8634-031-0
Blue Cross Medicare Advantage Classic
☆☆☆☆☆
$0 $6,000 $615 H8634-027-0
Blue Cross Medicare Advantage Dental Premier
☆☆☆☆☆
$0 $6,900 $615 H8634-029-0
Blue Cross Medicare Advantage Health Choice
☆☆☆☆☆
$0 $6,550 $615 H8634-030-0
Blue Cross Medicare Advantage Optimum
☆☆☆☆☆
$159 $3,700 $300 H8634-032-0
Blue Cross Medicare Advantage Protect
☆☆☆☆☆
$0 $7,350 N/A H8634-028-0
What is the most popular PPO plan in Carter?

HumanaChoice H5216-337 (PPO) is the top PPO in Carter, with 461 enrollees.

What is the number of PPO plans without Part D coverage in Carter?

There are 3 PPO plans in Carter without prescription drug coverage.

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
4
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
174
$0 Premium HMO Plans
4
Average MOOP
$3,975
Top HMO by Enrollment
Generations Classic Rewards (HMO) — 67 enrollees
HMO Plans Without Drug Coverage
1

Comparison table of 2026 HMO Medicare Advantage Plans available in Carter County, Oklahoma
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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
Blue Cross Medicare Advantage Basic
☆☆☆☆☆
$0 $4,200 $450 H3979-001-0

What is the typical premium for HMO plans in Carter?

HMO plans in Carter cost $0.00 per month on average.

Which HMO plan do most beneficiaries choose in Carter?

The most popular HMO plan in Carter is Generations Classic Rewards (HMO), with 67 enrollees.

How many HMO options are offered without prescription drug coverage in Carter?

There are 1 HMO plans in Carter without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

  • Total HMO-POS Plans 4
  • Average Monthly Premium $9.00/mo
  • Total HMO-POS Enrollment 611
  • $0 Premium HMO-POS Plans 3
  • Average MOOP $5,875
  • Top HMO-POS by Enrollment AARP Medicare Advantage from UHC OK-0001 (HMO-POS) — 343 enrollees
  • HMO-POS Plans Without Drug Coverage 1

Comparison table of 2026 HMO-POS Medicare Advantage Plans available in Carter County, Oklahoma
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage Essentials from UHC OK-3
☆☆☆☆☆
$0 $5,900 $355 H5253-173-0
AARP Medicare Advantage Extras from UHC OK-8
☆☆☆☆☆
$0 $6,700 $440 H5253-204-0
AARP Medicare Advantage from UHC OK-0001
☆☆☆☆☆
$36 $4,200 $355 H5253-171-0
AARP Medicare Advantage Patriot No Rx OK-MA2
☆☆☆☆☆
$0 $6,700 N/A H5253-205-0
What is the total number of HMO-POS plans in Carter?

In 2026, Carter has 4 HMO-POS plans with 611 enrollees.

How much do HMO-POS plans cost in Carter?

The typical HMO-POS premium in Carter is $9.00, and 3 plans have no monthly premium.

Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Carter County, OK for 2026.

CMS Star Ratings for Medicare Advantage Plans in Carter County, OK (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 7 32%
3 Stars 15 68%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.52

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.

Data sources and methodology documentation .

  • CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .

Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.

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