Missouri has over 600,000 Medicare beneficiaries enrolled in Medicare Advantage programs. Despite having many areas that are less populated, the large cities in Missouri have quite a bit of Medicare Advantage options to choose from. About 50% of Missouri residents that are participating in Medicare choose Medicare Advantage plans.

Missouri Medicare Advantage Plans

Medicare Part C is known as Medicare Advantage. These plans are another way to get your Medicare benefits. They are required to have coverage at least as good as Medicare’s and cover all items and services that are covered by Original Medicare.

Medicare Advantage plans are administered by private health insurance companies like UnitedHealthcare, and Humana. These plans are all-in-one plans that include your prescription coverage most of the time. In addition to being required to cover everything Medicare does, many of these plans add benefits that Original Medicare doesn’t.

You can only enroll in Medicare Advantage plans in certain enrollment periods. The most common enrollment period is the Annual Enrollment Period. During this time you can change the plan you’re enrolled in.

Since these plans are administered by private companies the coverage is different depending on which plan you choose. It’s wise to review the summary of benefits before enrolling to ensure that you are getting a plan that meets your needs and that includes the extras you want.

In most counties in Missouri, there are more than 26 Medicare Advantage options available. In more rural counties like Daviess, there are fewer to choose from. Daviess county only has 11 Part C plan to choose from, whereas Jackson County has 40.

Medicare Advantage Plans Offers in Missouri

As mentioned above all Medicare Advantage plans are different. They’re not standardized like the Medicare Supplements. The information provided in the illustrations below are using data from one zip code, and may not reflect your area. The area in which you reside may have slightly different options and costs.

Below we’ll discuss Medicare Advantage plans with a zero dollar premium, and then options with a zero dollar deductible. Next well cover which plans have a 5-star rating and talk about plans that can reduce how much you pay for Part B of Medicare.

In conclusion, we’ll go over plan extras, answer some frequently asked questions, and how to get help choosing a Medicare Advantage plan.

Medicare Advantage Plans with a Zero Dollar Premium

Zero dollar premiums are a great option, but remember just because the premium is $0 doesn’t mean it’s the best plan. When a plan has a zero-dollar premium, there is a good chance that other copays may be higher. In addition, you should make sure the plan you choose has coverage for the prescriptions you’re taking.

Humana has a great zero-dollar option in Missouri. Their local PPO has a 4-star rating, and the lowest maximum out of pocket on the list.

Cigna, one of the oldest insurers in the nation, has a PPO with the second lowest maximum out-of-pocket shown. Cigna is a solid company that has been in the Medicare space for quite some time.

Aetna is a great company owned by CVS. They’re one of the most well-known insurers that offer Medicare Advantage plans.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Cigna $0 $4,900 LOCAL PPO 3
Wellcare $0 $7,550 HMO 3
Blue $0 $7,250 LOCAL PPO 4
Aetna $0 $5,000 HMOPOS 4
Humana $0 $4,400 LOCAL PPO 4

Medicare Advantage Plans with a Zero Dollar Drug Deductible

In Missouri, there are many Medicare Advantage options that don’t require a deductible.

Wellcare has really put a lot of effort over the last 10 years to become one of the elite Medicare Advantage providers. They have a new PPO in Missouri with no deductible, a zero-premium, and a low maximum-out-of-pocket.

UnitedHealthcare is the largest Medicare provider in the nation. They have plans nationwide and are endorsed by AARP.

Blue Cross is best known for its group employer coverage and under 65 individual plans. While groups are their forte, they have some very strong coverage for Medicare beneficiaries.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Cigna $0 $4,900 LOCAL PPO 3
Blue $0 $7,250 LOCAL PPO 4
Humana $0 $4,400 LOCAL PPO 4
UnitedHealthcare $0 $6,400 LOCAL PPO 4
Wellcare $0 $4,000 LOCAL PPO N/A

Medicare Advantage Plans with a 5-Star Rating

Medicare Part C plans and Part D plans are given star ratings based on their performance. Companies that have the highest rating of 5 stars are allowed to enroll members outside of the Annual Enrollment Period, using a special enrollment period.

Essence Healthcare is the only 5star carrier in Missouri. They were started by a group of doctors in St Louis in 2003 to help their patients get access to high-quality healthcare.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Essence $0 $3,000 HMO 5

Medicare Advantage Plans with a Part B Reduction

In some areas, Medicare Advantage plans can help reduce the amount Medicare beneficiaries pay for their Medicare Part B. These plans are called Giveback plans. Plans that offer this benefit usually have a higher cost when using the plan as opposed to plans without the giveback.

Giveback plans are not available in all areas as plans do vary depending on where you live.

Blue Cross offers the largest giveback option in Missouri with a $75 reduction. Wellcare has the second-largest giveback option, with UnitedHealthcare and Humana coming in tied with $50-a-month giveback each.

PLAN PREMIUM MOOP PART B REDUCTION STAR RATINGS
Wellcare $0 $7,550 $55.00 3
Blue $0 $7,250 $75.00 4
Aetna $0 $5,000 $35.00 4
Humana $0 $4,500 $50.00 4
UnitedHealthcare $0 $4,400 $50.00 4

Ancillary/DVH

Medicare Advantage plans are known to provide beneficiaries with additional benefits above what Original Medicare offers. Some of the most common additional benefits include dental, vision, and hearing coverages. In addition, there are many that provide gym membership access, food allowances, over-the-counter items, and some even help with utility assistance.

Missouri Cities with Estimated Premiums for Medicare Supplement Coverage

Missouri Supplemental Medicare coverage is an important decision. In that light, we’ve made these handy charts for the projected premiums of the following cities:

FAQs

Can I get an all-in-one Medicare plan in Missouri?

Yes! There are Medicare Advantage plans offered in every county in Missouri. These plans generally include additional benefits not covered by Original Medicare.

What Medicare Advantage plans are available in Missouri?

In Missouri, you have access to all Medicare Advantage plan types.

Which carrier has the best Medicare Advantage plan in Missouri?

Wellcare has great Medicare Advantage plans in Missouri. The best Medicare Advantage plan really is different from person to person. When searching for a plan, you should consider your prescriptions, the doctor you have to keep, and how often you need healthcare services. These factors should help determine which Medicare Advantage plan is best for you.

What’s the difference between a Medicare Advantage plan and a Medigap plan?

Medicare Supplement plans are additional insurance you purchase to fill the gaps in Medicare. Medicare Advantage plans are Medicare Part C. These plans offer another way to get your Medicare benefits. Typically these plans include plan extras like drug coverage, and other benefits like dental, vision, and gym memberships.

How to Get Help Enrolling in a Missouri Medicare Advantage Plan

We understand there are so many factors to consider when choosing a Medicare plan. We’re here to make it simple. Our licensed brokers specialize in helping Medicare members with these decisions. From educating on the basics, checking prescriptions, and doctor networks, to helping decipher the benefits that match your wants and needs.

We strive to provide you with a simple and enjoyable experience. For help understanding your Medicare options, give us a call, or fill out our online request form.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.