EGID's Medicare options for 2027
EGID, the Employees Group Insurance Division of the Oklahoma Health Care Authority, offers these plans to Medicare-eligible former employees and their dependents. EGID's guide names each plan and lists its benefits.
| Option | How it works | Medicare you need |
|---|---|---|
| HealthChoice High Option Medicare supplement | Works with Original Medicare. No provider network: any provider who accepts Medicare assignment. Includes Part D. | Part A (Part B strongly advised) |
| HealthChoice Low Option Medicare supplement | Same medical benefits as the High Option; differs in pharmacy coverage. Includes Part D. | Part A (Part B strongly advised) |
| Two Medicare Advantage HMO drug plans | Replace Original Medicare. You must live in the plan's service area, use a street address and choose a primary care doctor. | Parts A and B |
| One Medicare Advantage PPO drug plan | Replaces Original Medicare. Use any Medicare provider in the U.S. who accepts the plan's terms. No referrals. | Parts A and B |
The HealthChoice supplements pay as if you had Part B even if you don't, so without Part B you'd pay Part B's share yourself. See do I need Part B with the HealthChoice Medicare supplement.
What changed for 2027
EGID's 2027 guide says one company's Medicare supplement and Medicare Advantage plans aren't available for 2027. If you were in one of them, your coverage won't renew; you must pick a new plan during the Option Period. One HMO also added counties to its service area, so check the service area lists in the guide.
The Option Period
- Review your personalized form. EGID mails an Option Period Enrollment/Change Form showing your current coverage. If an HMO isn't listed on it, you aren't in its service area.
- Decide whether to change. If you keep your plan, don't return the form; your coverage continues January 1.
- To change, send both papers. Return the form and the Medicare supplement or MAPD application, postmarked by December 7. Your new plan starts January 1.
- Keep one Part D plan. Joining another plan with Part D ends your EGID Part D coverage.
Covered family members: everyone on your account must be with the same plan. If you choose a Medicare Advantage plan, dependents under 65 must enroll in that same plan's pre-Medicare HMO option.
Related questions
What should HealthChoice retirees do at 65?
The turning-65 steps.
Does the OTRS supplement pay toward any Medicare plan?
Where the supplement can go.
Do OTRS retirees need Part B?
Plan rules for retired educators.
Compare side by side at HealthChoice Medicare retiree options, or read state and teacher retirees and Medicare. If you're weighing EGID against an individual plan, you can request a call from a licensed insurance agent.
Sources
- OHCA Employees Group Insurance Division — 2027 Medicare Options Benefit Guide
- EGID — Medicare plans for former employees
- HealthChoice — Medicare supplement plans
- EGID — Planning for Your Insurance Needs as a Former Employee, 2026 (retirement system contributions)
More questions in this guide
- Do I need Medicare Part B with the HealthChoice Medicare supplement?
- Do Oklahoma Teachers' Retirement (OTRS) retirees need Medicare Part B?
- Does the OTRS health insurance supplement pay toward any Medicare plan?
- What do Oklahoma state retirees on HealthChoice need to do when they turn 65?
Part of the guide: Oklahoma State and Teacher Retirees: HealthChoice and Medicare · All questions
Frequently asked questions
Can I leave EGID and buy my own Medicare plan?
Yes, but EGID's 2027 guide says that if you drop your EGID health plan, you can't regain coverage through EGID later and you lose any premium contribution from your retirement system. Compare carefully before you leave.
Does my retirement system help pay the premium?
EGID's 2026 retiree guide says the Teachers' Retirement System (OTRS), the Oklahoma Public Employees Retirement System (OPERS) and the Oklahoma Law Enforcement Retirement System contribute a monthly amount toward your EGID health premium. The Pathfinders plan does not contribute.
What if my plan isn't offered in 2027?
EGID's guide says coverage in a discontinued plan won't renew automatically. You must choose a new plan on your Option Period form, postmarked by December 7, 2026, and send the matching application.
Medicare in your Oklahoma county
Plans, local agents and help, county by county: Oklahoma · Tulsa · Cleveland · Canadian · Comanche · Rogers · Wagoner · Payne · Pottawatomie · Creek · Muskogee · Garfield · Grady · Washington · Logan · Bryan · Le Flore · Carter · Cherokee · McClain · All 77 counties →