Garfield County is in northwestern and north central Oklahoma, from Woodward to Enid, Stillwater and Ponca City, with about 62,007 residents (Census 2024 estimate). Its largest towns are Enid, Waukomis and North Enid.
Vance Air Force Base (Enid) is here, so some retirees here use TRICARE For Life alongside Medicare.
2027 plans in Garfield County at a glance
What it means if you live in Garfield County
- That's 9 plans fewer than in 2026 (23). If you have a Medicare Advantage plan, check your Annual Notice of Change to see whether it continues and what changes. Blue Cross and Blue Shield of Oklahoma and Wellcare stop selling regular Medicare Advantage plans here on December 31; at least 133 people in Garfield County are in one of those plans. If that's you, here is what to do. (CMS data)
- 6 are HMOs (you generally use the plan's network) and 8 are PPOs (which also pay out-of-network doctors, usually at a higher cost to you).
- 4 plans have no Part D drug coverage. Those suit people who get drug coverage elsewhere, such as from the VA; otherwise you could owe a late-enrollment penalty for going without it.
- Special needs plans here: 9 for people with both Medicare and Oklahoma Medicaid; 4 for people with certain chronic conditions, such as diabetes or heart failure. You can join one only if you qualify.
- Garfield County ranks 38th of Oklahoma's 77 counties for plans open to everyone. In the Northwest and North Central region (14 counties), the count runs from 0 to 26.
- At least 3,642 people in Garfield County were in a Medicare Advantage plan in October 2026.
Licensed insurance agents for Garfield County
These independent insurance agents are licensed in Oklahoma and work with Benefits Life, the publisher of this site. When they enroll you in a plan, the agent and Benefits Life may be paid by the insurance company. Learn more.
See Medicare plans in Garfield County
Enter your ZIP code to compare Medicare Advantage, Part D, and Medigap plans available where you live.
You'll go to PlanMatchMedicare.com, a plan comparison site from Benefits Life, the publisher of this site. Only your ZIP code is sent.
Original Medicare and Medigap
If you'd rather keep any doctor who takes Medicare, Original Medicare with a Medigap policy and a Part D plan works the same in every Oklahoma county. Medigap in Oklahoma.
Nearby counties
You can only join a Medicare Advantage plan sold in the county where you live.
| County | Plans open to everyone, 2027 | Special needs plans |
|---|---|---|
| Grant County | 8 | 8 |
| Kingfisher County | 26 | 17 |
| Noble County | 9 | 9 |
| Logan County | 34 | 22 |
Insurance agency offices nearest Garfield County
These offices are independently owned by licensed insurance agents and agencies that work with Benefits Life, the publisher of this site. They are not Benefits Life offices. When they enroll you in a plan, the agency and Benefits Life may be paid by the insurance company. If you already have an agent, contact your agent for help with your plan. Learn more.
Integrity Insurance Group
About 105 miles from Garfield County
Wheelchair accessible · Free parking · Video appointments available
2026 Medicare costs (the same in every county)
| Cost | 2026 |
|---|---|
| Part B premium | $202.90 a month (standard) |
| Part B deductible | $283 a year |
| Part A deductible | $1,736 per benefit period |
| Part D out-of-pocket cap | $2,100 a year |
Other places to get answers
- Medicare: 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, or Medicare.gov.
- Social Security (signing up for Parts A and B, Extra Help): 1-800-772-1213, TTY 1-800-325-0778.
- Oklahoma Health Care Authority (SoonerCare, including help for people with Medicare): oklahoma.gov/ohca. SoonerCare and Medicare.
- Oklahoma Insurance Department (complaints about an insurance company or agent, agent license lookup): oid.ok.gov.
- More Oklahoma contacts, from OKDHS aging services to fraud reporting: Oklahoma Medicare contacts.
Questions about Medicare in Garfield County
How many Medicare Advantage plans are there in Garfield County for 2027?
CMS lists 14 open to everyone with Medicare (23 in 2026), plus 13 special needs plans for people who qualify. You still pay your Part B premium.
When can I change my Medicare plan in Garfield County?
Open Enrollment runs October 15 to December 7, for coverage starting January 1. If you're in a Medicare Advantage plan, you can switch plans or go back to Original Medicare once between January 1 and March 31. If your plan leaves your county, you get a Special Enrollment Period.
How do I find a licensed insurance agent in Garfield County?
Use the agent search on this page, pick one agent and request a call, to compare plans with a licensed insurance agent at no cost to you. Agents listed here are licensed in Oklahoma.
Sources
Plans open to everyone are Medicare Advantage plans with or without drug coverage, not special needs plans. Enrollment counts HMO and PPO plans; CMS hides counts of 10 or fewer, so real numbers are a little higher.