Medicare Advantage plans in Carter, OK, 2027
Carter, Oklahoma has 12 Medicare Advantage plans open to everyone for 2027 (22 in 2026) and 14 special needs plans, according to the CMS landscape files; 9 of the open plans have a $0 premium. 11 plans that served the county in 2026 end or leave it, with 519 members living here in September 2026.
What changes in Carter for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 22 | 12 | ▼down 10 |
| Special needs plans | 13 | 14 | ▲up 1 |
| Plans with a $0 premium | 16 | 9 | ▼down 7 |
| Plans that lower the Part B premium | 9 | 4 | ▼down 5 |
| Median out-of-pocket limit | $5,900 | $6,200 | ▲up $300 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026.
Which plans can anyone in Carter join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Generations Classic RewardsH3706-001 · HMO | $0 | $3,900 | $29 | 4 of 5 |
| Generations ValorH3706-009 · HMO | $0 | $3,900 | $50 | 4 of 5 |
| Generations Classic PlusH3706-023 · HMO | $0 | $3,900 | none | 4 of 5 |
| Humana USAA Honor GivebackH5216-278 · PPO | $0 | $4,700 | $150 | 3.5 of 5 |
| HumanaChoiceH5216-337 · PPO | $0 | $5,700 | none | 3.5 of 5 |
| AARP Medicare Advantage Essentials from UHC OK-3H5253-173 · HMO-POS | $0 | $6,500 | none | 4 of 5 |
| AARP Medicare Advantage Patriot No Rx OK-MA2H5253-205 · HMO-POS | $0 | $6,700 | $150 | 4 of 5 |
| Aetna Medicare SignatureH3288-020 · PPO | $0 | $7,150 | none | 3.5 of 5 |
| AARP Medicare Advantage Extras from UHC OK-10H5253-204 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| HumanaChoiceH5216-081 · PPO | $26 | $6,850 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC OK-0001H5253-171 · HMO-POS | $39 | $5,900 | none | 4 of 5 |
| HumanaChoiceH5216-083 · PPO | $59 | $6,900 | none | 3.5 of 5 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026. Stars are the contract's 2026 rating. confirm on Medicare Plan Finder.
Which plans leave Carter in 2027?
Members of these plans here choose a 2027 plan during open enrollment, October 15 to December 7, 2026; choosing by December 31 means no gap; because their plan is leaving the county, they can still join until the end of February 2027, with coverage from the first of the next month. Each plan's page says what happens to its members.
| 2026 plan | Members here, Sept. 2026 | For 2027 |
|---|---|---|
| AARP Medicare Advantage from UHC OK-0007H8768-016 | 204 | Leaves the county |
| AARP Medicare Advantage from UHC OK-0005H8768-008 | 179 | Leaves the county |
| Blue Cross Medicare Advantage BasicH3979-001 | 66 | Leaves the county |
| AARP Medicare Advantage Patriot No Rx OK-MA01H8768-028 | 50 | Leaves the county |
| Blue Cross Medicare Advantage ClassicH8634-027 | 20 | Not offered |
| Blue Cross Medicare Advantage Dual Care PlusH8554-003 | fewer than 11 | Not offered |
| Blue Cross Medicare Advantage ProtectH8634-028 | fewer than 11 | Not offered |
| Blue Cross Medicare Advantage Dental PremierH8634-029 | fewer than 11 | Not offered |
| Blue Cross Medicare Advantage Health ChoiceH8634-030 | fewer than 11 | Not offered |
| Blue Cross Medicare Advantage BalanceH8634-031 | fewer than 11 | Not offered |
| Blue Cross Medicare Advantage OptimumH8634-032 | fewer than 11 | Not offered |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which special needs plans are sold here?
Open only to people with Medicaid as well as Medicare, with certain chronic conditions, or living in an institution.
| Plan | Who can join | Premium |
|---|---|---|
| Generations Chronic CareH3706-024 | Chronic or Disabling Condition | $0 |
| Generations Chronic Care SavingsH3706-025 | Chronic or Disabling Condition | $0 |
| UHC Dual Advantage OK-V1H5322-033 | Dual-Eligible | $0 |
| HumanaChoice: Diabetes and HeartH5216-372 | Chronic or Disabling Condition | $0 |
| HumanaChoice: Diabetes and HeartH7617-078 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Dual CareH3288-053 | Dual-Eligible | $0 |
| Generations Dual SupportH3706-028 | Dual-Eligible | $0 |
| HumanaChoice SNP-DEH5216-228 | Dual-Eligible | $0 |
| HumanaChoice SNP-DEH5216-331 | Dual-Eligible | $0 |
| UHC Dual Complete OK-S002H5322-052 | Dual-Eligible | $0 |
| HumanaChoice SNP-DEH7617-076 | Dual-Eligible | $0 |
| UHC Dual Complete OK-S001H2001-056 | Dual-Eligible | $10.30 |
| Generations Dual PremierH3706-029 | Dual-Eligible | $11 |
| American Health Advantage of OklahomaH3708-001 | Institutional | $11 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
How many people in Carter use Medicare Advantage?
4,206 of the county's 11,619 people with Medicare were in a Medicare Advantage plan in September 2026, 36.2%; in Oklahoma as a whole the share is 42.5%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in OklahomaEvery county of the state
- 9 stand-alone drug plans in OklahomaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027