2026 Medicare Advantage Plans in Garfield County, OK
Last update: . Enrollment data updated: May 2, 2026
For 2026, Garfield County, OK includes 23 Medicare Advantage plans. Enrollment across these plans totals approximately 2,135, with 19 $0 premium options and 38% rated 4 stars or higher.
Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Garfield County, OK are provided separately. Or you can discover all Medicare Options in Garfield County, OK.
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
- 16
- Average Monthly Premium
- $18.31/mo
- Total PPO Enrollment
- 1,251
- $0 Premium PPO Plans
- 13
- Average MOOP
- $5,888
- Top PPO by Enrollment
- HumanaChoice Giveback H7617-056 (PPO) — 376 enrollees
- PPO Plans Without Drug Coverage
- 5
What is the typical premium for PPO plans available in Garfield?
PPO plans in Garfield cost $18.31 per month on average.
Which PPO plan do most beneficiaries choose in Garfield?
The most popular PPO plan in Garfield is HumanaChoice Giveback H7617-056 (PPO), with 376 enrollees.
How many PPO options are offered without drug coverage in Garfield?
5 PPO plans in Garfield 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 4
- Average Monthly Premium $0.00/mo
- Total HMO Enrollment 339
- $0 Premium HMO Plans 4
- Average MOOP $3,975
- Top HMO by Enrollment Generations Classic Rewards (HMO) — 228 enrollees
- HMO Plans Without Drug Coverage 1
| 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 | |
| Blue Cross Medicare Advantage Basic | $0 | $4,200 | $450 | H3979-001-0 |
What is the total number of HMO plans offered in Garfield?
In 2026, Garfield County has 4 HMO plans with 339 enrollees.
How much do HMO plans cost in Garfield?
The typical HMO premium in Garfield is $0.00, and 4 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
- 3
- Average Monthly Premium
- $12.00/mo
- Total HMO-POS Enrollment
- 545
- $0 Premium HMO-POS Plans
- 2
- Average MOOP
- $5,600
- Top HMO-POS by Enrollment
- AARP Medicare Advantage from UHC OK-0001 (HMO-POS) — 337 enrollees
- HMO-POS Plans Without Drug Coverage
- 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | 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 |
- What is the average monthly premium for HMO-POS plans?
- HMO-POS plans in Garfield cost $12.00 per month on average.
- Which HMO-POS plan is most popular in Garfield?
- The most popular HMO-POS plan in Garfield is AARP Medicare Advantage from UHC OK-0001 (HMO-POS), with 337 enrollees.
- How many HMO-POS plans in Garfield do not include drug coverage?
- There are 0 HMO-POS plans in Garfield without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Garfield County, OK (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 8 | 38% |
| 3 Stars | 13 | 62% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 2 | 9% |
| Average Rating | 3.6 | |
* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
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 .
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
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