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Written by David Bynon [3], Medicare Analyst since 2012.  Last updated July 15, 2025

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Medicare Advantage
 » 
Oklahoma
 » 
Osage County

Guide to Medicare Advantage Plans in Osage County, OK for 2025

List of Plans | Plan Overview | Benefits | How to Choose | Enrollment | FAQ

There are 31 Medicare Advantage plans available in Osage County, OK for the 2025 plan year, including 22 plans with $0 premiums. Most plans include prescription drug coverage. These counts exclude Special Needs Plans.

Not in Osage County? Enter your ZIP code to see plans in your area.

  • Top 3 Plans by Enrollment:
    1. AARP Medicare Advantage from UHC OK-0006 (PPO) — 832 enrollees
    2. Senior Health Plan Platinum (HMO) — 689 enrollees
    3. AARP Medicare Advantage from UHC OK-0002 (HMO-POS) — 423 enrollees
  • Average Monthly Premium: $15.64
  • Average Maximum Out-of-Pocket Limit: $5,172
  • Average Prescription Drug Deductible: $268.26
  • Ratings (Plan Mix): 4+ Stars: 28% · 3 Stars: 59% · Below 3: 13%
  • Plan Type Breakdown 6 HMO-POS · 7 HMO · 18 PPO

Osage County, Oklahoma Medicare Advantage Plans

Medicare Advantage Plans in Osage County, OK for 2024
Plan Name Type Premium MOOP Rx Ded. Rating
AARP Medicare Advantage from UHC OK-0002 HMO-POS $24 $3,900 $340
☆☆☆☆☆
AARP Medicare Advantage from UHC OK-0004 HMO-POS $0 $5,500 $340
☆☆☆☆☆
Blue Cross Medicare Advantage Basic HMO $0 $3,900 $0
☆☆☆☆☆
Senior Health Plan Platinum HMO $19 $3,900 $0
☆☆☆☆☆
Senior Health Plan Platinum Plus HMO $83 $4,700 $0
☆☆☆☆☆
Senior Health Plan Silver HMO $0 $3,400 N/A
☆☆☆☆☆
Senior Health Plan Silver Plus HMO $0 $4,200 $0
☆☆☆☆☆
Senior Health Plan Silver Savings HMO $0 $4,200 N/A
☆☆☆☆☆
Aetna Medicare Freedom Core PPO $0 $6,750 $250
☆☆☆☆☆
Humana Gold Plus H6622-033 HMO $0 $4,200 $200
☆☆☆☆☆
Humana USAA Honor Giveback PPO $0 $6,700 N/A
☆☆☆☆☆
Humana USAA Honor Giveback PPO $0 $4,500 N/A
☆☆☆☆☆
HumanaChoice Giveback H5216-264 PPO $0 $7,925 $590
☆☆☆☆☆
HumanaChoice H5216-081 PPO $14 $6,750 $0
☆☆☆☆☆
HumanaChoice H5216-083 PPO $46 $6,750 $0
☆☆☆☆☆
HumanaChoice H5216-316 PPO $35 $4,400 $250
☆☆☆☆☆
HumanaChoice H5216-337 PPO $0 $4,900 $250
☆☆☆☆☆
AARP Medicare Advantage from UHC OK-0006 PPO $0 $5,900 $420
☆☆☆☆☆
AARP Medicare Advantage Patriot No Rx OK-MA01 PPO $0 $4,700 N/A
☆☆☆☆☆
Blue Cross Medicare Advantage Balance PPO $82 $4,500 $250
☆☆☆☆☆
Blue Cross Medicare Advantage Classic PPO $0 $5,500 $250
☆☆☆☆☆
Blue Cross Medicare Advantage Dental Premier PPO $0 $6,900 $590
☆☆☆☆☆
Blue Cross Medicare Advantage Health Choice PPO $0 $6,550 $590
☆☆☆☆☆
Blue Cross Medicare Advantage Optimum PPO $147 $3,500 $0
☆☆☆☆☆
Blue Cross Medicare Advantage Protect PPO $0 $7,350 N/A
☆☆☆☆☆
Wellcare Assist HMO-POS $35 $3,700 $590
☆☆☆☆☆
Wellcare Giveback HMO-POS $0 $7,550 $420
☆☆☆☆☆
Wellcare Patriot Simple HMO-POS $0 $3,850 N/A
☆☆☆☆☆
Wellcare Simple HMO-POS $0 $4,900 $420
☆☆☆☆☆
Wellcare Patriot Giveback Open PPO $0 $4,700 N/A
☆☆☆☆☆
Wellcare Simple Open PPO $0 $4,150 $420
☆☆☆☆☆
**Certain PFFS, MSA, and HMO-POS plans have a combined in and out-of-network maximum. Limits are detailed on the plan pages.
📊 At a Glance: Medicare Advantage in Osage County
Average Monthly Premium
$15.64
Plans with $0 Premium
22
Average MOOP Limit
$5,172 ($9,350 max. in 2025)
Average Rx Deductible
$268.26
Plans Without Drug Coverage
4 (standalone Oklahoma Part D plans)
Plans with 5-Star Ratings
No 5-star plans available.
Stars  Ratings (Plan Mix)
4+ Stars: 28% · 3 Stars: 59% · Below 3: 13%
Plans Available
31 (excluding Osage County SNP plans)
Plan Type Breakdown
6 HMO-POS · 7 HMO · 18 PPO
Countywide Enrollments
3,302 (excluding SNP plans)
Top 3 Plans by Enrollment
1. AARP Medicare Advantage from UHC OK-0006 (PPO) — 832 enrollees
2. Senior Health Plan Platinum (HMO) — 689 enrollees
3. AARP Medicare Advantage from UHC OK-0002 (HMO-POS) — 423 enrollees

Data Sources: CY2025 Landscape, PBP Benefits, Star Ratings Data, Monthly Enrollment by CPSC, and SimpleMaps U.S. Counties. Enrollment data last updated April 7, 2025. County demographic data last updated April 5, 2025.

Understanding Your Medicare Advantage Options

Medicare Advantage Plans, also known as Medicare Part C, are private health plans that provide all-in-one coverage, including Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). On top of the core benefits, many of the plans in Osage County throw in some nice extras - think prescription drug coverage, dental, vision, and wellness programs - making them a solid choice for those in Osage County looking for something more than Original Medicare.

🏥 Health Maintenance Organization (HMO) Plans

HMO plan members must use the plan's network of doctors and hospitals in Osage County, and typically need a referral to see a specialist. Some Medicare Advantage HMO Plans may have lower costs but offer less flexibility in choosing healthcare providers. There are 1,268 residents enrolled in HMO plans in this county. The most popular plan is Senior Health Plan Platinum .

🔓 Preferred Provider Organization (PPO)

A PPO allows more flexibility in choosing healthcare providers, with the option to see specialists without referrals, though often at a higher cost. Medicare Advantage PPOs usually have higher premiums and out-of-pocket expenses. There are 1,513 Osage County residents enrolled in PPO plans. The most popular of these plans by enrollments is AARP Medicare Advantage from UHC OK-0006 .

🔀 Health Maintenance Organization Point of Sale (HMO-POS)

Medicare HMO-POS plans are a type of HMO that offers a little more flexibility. Like a regular HMO, you typically use the plan's network of doctors and hospitals for care, usually requiring a referral to see specialists. However, an HMO-POS plan lets you receive certain healthcare services outside of the network at a higher cost. There are 521 residents enrolled in HMO-POS plans in this Osage County. The most popular plan by enrollments is AARP Medicare Advantage from UHC OK-0002 .

If you qualify for Original Medicare or Medicare Advantage in Osage County but don't know where to begin, we have licensed insurance agents[1] at 1-855-728-0510 (TTY 711) who can answer your questions (Mon-Fri 5am-6pm, Sat 6am-5pm PST) and help you get enrolled. There's no obligation.

Advantages of Enrolling in Medicare Advantage

Many Medicare Advantage Plans offer extra benefits that go beyond Original Medicare, making them an attractive option for some people. These plans provide comprehensive coverage, often including additional services like prescription drug coverage, dental, vision, and wellness programs, all bundled into one plan. By choosing a Medicare Advantage Plan, you can simplify your healthcare and potentially save on costs.

Take a look at the main benefits provided by Medicare Advantage Plans in Osage County:

🧑‍⚕️Coordinated Care

Plans often include care coordination services, which help you manage your healthcare across different providers and services.

💸 Cost Savings

Many plans have low or $0 premiums and offer capped out-of-pocket costs, providing financial protection against high medical expenses.

🧾 Comprehensive Coverage

Includes Medicare Part A, Part B, and often Part D (prescription drug coverage), along with additional benefits like dental, vision, and hearing.

🧘 Wellness Programs

Many Yavapai County plans offer free gym memberships, wellness programs, and preventive care services. You need to stay healthy, right?

Tips for Selecting a Medicare Advantage Plan

Choosing the right Medicare Advantage Plan out of the 31 plans available in Osage County requires careful consideration of several key factors:

🏥1. Provider Network

Verify that your current doctors and preferred hospitals are included in the plan's network. Access to your healthcare providers can significantly impact your care experience.

💊 2. Prescription Drug Coverage

Make sure the plan covers your medications, particularly if you have specific prescriptions you rely on regularly.

💰 3. Costs

Examine the plan's premiums, copayments, and out-of-pocket limits. Compare these costs against your budget to avoid unexpected expenses.

🎁 4. Additional Benefits

Consider what extra services, such as dental, vision, or wellness programs, are important to you, and check if the plan offers them.

⭐ 5. Plan Ratings

Look into the plan's star ratings, which provide insight into the plan's overall quality and member satisfaction.

Learn more about the basics of comparing Medicare Advantage Plans.

Medicare Advantage Enrollment Periods

Making sense of Medicare Advantage enrollment periods can seem overwhelming, but it's worth the effort for better health coverage. Missing these key dates could delay your coverage or limit your plan choices for 2025 in Osage County.

📅 Initial Enrollment Period (IEP)

This initial enrollment window starts three months before and ends three months after your 65th birthday, offering a total of seven months to enroll in a Medicare Advantage Plan.

🗓️ Annual Enrollment Period (AEP)

Every year from October 15 to December 7, you have the option to change, enroll, or disenroll from a Medicare Advantage Plan.

🔁 Open Enrollment Period (OEP)

Running from January 1 to March 31, this period allows changes to your Medicare Advantage Plan if you’re already enrolled or lets you switch back to Original Medicare.

For comprehensive details on how to enroll, visit our detailed guide on Medicare Enrollment.

Frequently Asked Questions

What are the most popular Medicare Advantage plan types in Osage County?

Based on the 2025 plan data, PPO plans are the most common in Osage County. The full breakdown of plan types is: 6 HMO-POS · 7 HMO · 18 PPO.

How much can I expect to pay out of pocket for Medicare Advantage plans?

The average maximum out-of-pocket limit (MOOP) in Osage County is $5,172 for 2025.

Do any Medicare Advantage plans in Osage County have 5-star ratings?

No 5-star rated Medicare Advantage plans are available in Osage County for the 2025 plan year. However, 28% of plans have a rating of 4 stars or higher.

What is the average monthly premium for Medicare Advantage plans in Osage County?

The average monthly premium for Medicare Advantage plans in Osage County is $15.64. A total of 22 offer $0 premiums, though costs vary by plan type and benefits.

More About These Plans

Carrier Plans Offered

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.

Master Plan Pages by Plan ID

The plan pages listed in the table above have been modified for localization to help consumers identify plans available in their area. Most plans are available in multiple areas. The following list of plan IDs link to each plan's master page.

H5253 172, H5253 174, H3979 001, H3755 001, H3755 004, H3755 002, H3755 005, H3755 007, H3288 020, H6622 033, H5216 329, H5216 140, H5216 264, H5216 081, H5216 083, H5216 316 3, H5216 337 2, H8768 009, H8768 028, H4801 023, H4801 007, H4801 021, H4801 022, H4801 024, H4801 020, H9900 006, H9900 001, H9900 008, H9900 005, H4537 005, H4537 001

Plan Availability

The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Barnsdall, Fairfax, Hominy, Pawhuska, and all other areas of Osage County, Oklahoma, including the following zip codes: 74001, 74002, 74003, 74022, 74035, 74051, 74054, 74056, 74058, 74060, 74063, 74070, 74073, 74084, 74106, 74126, 74127, 74148, 74604, 74633, 74637, 74650, 74652.

Citations & References
  • Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed 19 March, 2025
  • CMS.gov, "Special Needs Plans (SNP)", Last Accessed 24 May, 2024
  • Medicare.gov, "What's Medicare Supplement Insurance (Medigap)?", Last Accessed 19 March, 2025
  • Plan and enrollment data provided by the Centers for Medicare & Medicaid Services (CMS)
  • Data processed and interpreted by MedicareWire.com editorial team.
  • Read our methodology and sourcing policy.

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On This Page

  • List of Plans
  • Plan Overview
  • Benefits
  • How to Choose
  • Enrollment

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[3]About the Author

David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has delivered independent, data-driven Medicare research to help seniors make informed, confident decisions.

David is also the founder of TrustPublishing.com and the inventor of the Memory-First Publishing and Semantic Digest protocols.

Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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