Medicare plans by county · CY2026
9 Medicare Plans in Payne, Oklahoma
Contract year 2026 · CMS Medicare Landscape Files
9 Medicare plans are available in Payne for 2026
Base monthly premiums range from $0.00 to $46.00. 4 plans have a $0.00 base premium.
Average CMS star rating: 3.5 stars (9 of 9 plans rated).
Premiums shown are the plan's base premium — your actual cost includes the Part B premium and may vary by income. To compare plans with your specific drugs and providers and to enroll, use the official Medicare Plan Finder: medicare.gov/plan-compare . Free help: 1-800-MEDICARE or your state's SHIP.
MA-PD (5 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| HumanaChoice H5216-081 (PPO) H5216_081 | PPO | Humana Humana Inc. | $14.00 | 3.5 ★ |
| HumanaChoice H5216-083 (PPO) H5216_083 | PPO | Humana Humana Inc. | $46.00 | 3.5 ★ |
| HumanaChoice Giveback H5216-264 (PPO) H5216_264 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| HumanaChoice H5216-316 (PPO) H5216_316 | PPO | Humana Humana Inc. | $37.00 | 3.5 ★ |
| HumanaChoice H5216-337 (PPO) H5216_337 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
SNP (3 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| HumanaChoice SNP-DE H5216-228 (PPO D-SNP) H5216_228 | PPO D-SNP | Humana Humana Inc. | $28.20 | 3.5 ★ |
| HumanaChoice SNP-DE H5216-331 (PPO D-SNP) H5216_331 | PPO D-SNP | Humana Humana Inc. | $13.90 | 3.5 ★ |
| HumanaChoice - Diabetes and Heart (PPO C-SNP) H5216_372 | PPO C-SNP | Humana Humana Inc. | $0.00 | 3.5 ★ |
MA (1 plan)
What these figures mean
Base premium: The amount shown is the plan's monthly base premium. Most Medicare enrollees also pay the standard Medicare Part B premium (generally deducted from your Social Security benefit). Higher-income enrollees pay an additional Income-Related Monthly Adjustment Amount (IRMAA). Low-income enrollees may qualify for the Extra Help (LIS) program, which can reduce or eliminate plan premiums and cost-sharing. A $0.00 plan premium does not mean $0 total monthly cost.
CMS star rating: CMS rates Medicare Advantage and Part D plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and drug plan performance. A higher rating is generally better, but the best plan for you also depends on your specific prescriptions, preferred doctors and hospitals, and total cost-sharing. Star ratings reflect the contract's performance across its full service area — not Payne specifically.
MOOP (Maximum Out-of-Pocket): For MA plans, the Maximum Out-of-Pocket limit caps your annual in-network cost-sharing. Not shown in the table above; visible at medicare.gov/plan-compare for each specific plan.
How to compare these plans
Compare plans on the figures shown — base premium, plan type, organization, and CMS star rating. These are sourced from the CMS CY2026 Medicare Landscape Files (RECORDED figures). Atlas Commons does not rank a "best" plan — the right choice depends on your specific doctors, prescriptions, and budget. Use medicare.gov/plan-compare to enter your specific drugs and providers for a complete comparison.
Frequently asked questions
How many Medicare plans are available in Payne, Oklahoma?
For contract year 2026, the CMS Medicare Landscape Files record 9 Medicare Advantage and Part D plans available in Payne, Oklahoma. This count covers all contract types: MA-PD (5), SNP (3), MA (1).
What do Medicare plans cost in Payne, Oklahoma?
Base monthly premiums for plans in Payne range from $0.00 to $46.00 — 4 plans have a $0.00 base premium. These are the plan's base premium only. Your actual monthly cost also includes the Medicare Part B premium (most people pay $174.70/mo in 2026, deducted from Social Security), and may include income-related adjustments (IRMAA) or Low Income Subsidy credits. A $0.00 plan premium does not mean $0 total cost.
How are Medicare plans in Payne, Oklahoma rated?
CMS has assigned Overall star ratings (1–5 stars) to 9 of 9 plans in Payne. The unweighted average overall star rating is 3.5 stars. Star ratings are CMS's quality score — a higher rating generally reflects better performance across quality measures, but the best plan for you depends on your specific prescriptions, preferred providers, and budget.
How do I enroll in a Medicare plan in Payne, Oklahoma?
Use the official Medicare Plan Finder at medicare.gov/plan-compare. Enter your ZIP code to see plans with exact premiums, copays, drug coverage, and provider networks — customized to your situation and drugs. Enrollment periods apply (Annual Enrollment: Oct 15–Dec 7; Special Enrollment Periods for qualifying events). This page shows which plans exist and their base premiums; to enroll, use Medicare's official tool.
Where can I get free, unbiased help choosing a Medicare plan?
Contact your State Health Insurance Assistance Program (SHIP) — a free, unbiased Medicare counseling service available in every state. Call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, 7 days a week. SHIP counselors help you compare plans, understand costs, and make enrollment decisions at no cost.
What to do next
- Compare and enroll: medicare.gov/plan-compare — the official Medicare Plan Finder. Enter your ZIP code, drugs, and providers to compare all plans with exact costs and coverage.
- Free unbiased help: Contact your State Health Insurance Assistance Program (SHIP) — free Medicare counseling in every state — or call 1-800-MEDICARE (1-800-633-4227), 24/7.
- Official source: CMS Medicare Landscape Files — the source of this data.
RECORDED premiums · DETERMINATION star ratings · AGGREGATED plan count. Plan list for Payne, Oklahoma, CY2026. Data generated June 24, 2026.
Machine-readable: JSON-LD · Markdown · Source: CMS Medicare Landscape Files