Medicare and health costs

SoonerCare (Medicaid) in Oklahoma

SoonerCare is Oklahoma's Medicaid program.

Checked Oct 28, 2026

From the Oklahoma Health Care Authority (SoonerCare); eligibility by Oklahoma Human Services (OKDHS)

An older woman in her kitchen reads a letter from the day's mail

If you have Medicare, you may get full SoonerCare benefits through QMB Plus with income up to the poverty level plus $20 and savings up to $9,950 for one person, a higher savings limit than most states. Oklahoma Human Services decides eligibility, and nursing-home care and the ADvantage home-care waiver have a higher income limit.

How to apply in Oklahoma

Online: okdhslive.org
By phone: 1-800-987-7767
In person: At your local Oklahoma Human Services (DHS) office, or download the Request for Benefits form and send it to the local office.
Who runs it: Oklahoma Health Care Authority (SoonerCare); eligibility by Oklahoma Human Services (OKDHS) (official government site)

Applying is free. Nobody should charge you to apply.

Apply on the official site

Who may qualify in Oklahoma

Who may qualify for SoonerCare
	One person	Married couple
Income limit with Medicare (QMB Plus, from July 1, 2026)	$1,350 a month (100% of the poverty level plus $20)	$1,824 a month (100% of the poverty level plus $20) Source: Oklahoma Human Services (source 1)
Savings limit (QMB Plus)	$9,950	$14,910 Source: Oklahoma Human Services (source 1)

Spend-down if your income is over the limit	No Source: KFF (source 4)
Income limit for nursing-home or home-care Medicaid (from July 1, 2026)	$2,982 a month (300% of the SSI amount), for nursing facilities and the ADvantage Waiver; savings limit $2,000 Source: Oklahoma Human Services (source 1)
Medicaid for adults under 65 (expansion)	Yes: Oklahoma expanded Medicaid to low-income adults under 65 Source: KFF (source 5)

How Oklahoma is different

Where Oklahoma's rules differ from the federal rules for Medicaid for people with Medicare.

Full SoonerCare for people with Medicare up to 100% of the poverty level plus $20 (QMB Plus)
Higher savings limit for QMB Plus: $9,950 for one person, $14,910 for a couple
Help at home through the ADvantage Waiver, with the same income limit as nursing-home care

Source: Oklahoma Human Services (source 1)

Good to know

If you don't have Medicare, Oklahoma's standard for aged people is lower: $1,034 a month for one person, with a $2,000 savings limit ($3,000 for a couple).
Nursing-facility residents keep $75 a month for personal needs.

Source: Oklahoma Human Services (source 1)

Free help

Free help with this in Oklahoma

Medicare Assistance Program (MAP)
Free, unbiased Medicare counseling in Oklahoma. Trained counselors go through your costs and choices with you, and they don't sell plans.
1-800-763-2828
Oklahoma Insurance Department website (official government site)
Aging Services Division
Your local Area Agency on Aging can help with meals, rides, help at home, caregiver support and applying for benefits.
1-800-677-1116
Oklahoma Human Services, Aging Services Division website (official government site)

More help in Oklahoma

Medicaid for older adults in another state

Sources

Oklahoma Human Services, Appendix C-1: Maximum Income, Resource, and Payment Standards (7/1/2026) (official government site). Checked Oct 28, 2026.
Oklahoma Health Care Authority, SoonerCare Supplemental (official government site). Checked Oct 28, 2026.
Oklahoma Health Care Authority, Contact Us (official government site). Checked Oct 28, 2026.
KFF, Medicaid Eligibility Levels for Older Adults and People with Disabilities (Non-MAGI) in 2026. Checked Oct 28, 2026.
KFF, Status of State Medicaid Expansion Decisions. Checked Oct 28, 2026.

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