When you think of places to retire, you wouldn’t immediately think about Columbia. It’s more known as a college town known for the Missouri Tigers. There are, however, quite a few Medicare beneficiaries that live here. Currently, Medicare members are numbered 141,842.

Columbia, Missouri Supplemental Medicare Plans

Throughout this article, we’ll be discussing various topics about Medicare in Missouri. First, we’ll go over affordable Medicare Advantage plans and the average cost of Medicare Supplement plans. Then, we’ll cover the cheapest Prescription Drug plans, and special needs plan options. Finally, we’ll answer some frequently asked questions, and show you how to get help with your Columbia Medicare options.

All information provided below will be based on a 65-year-old woman. The prices could be different depending on your age or sex for some options.

Affordable Medicare Advantage Plans in Columbia, Missouri

Columbia is located in Boone County. Residents have 24 Medicare Part C plan options to choose from. 41,941 beneficiaries are enrolled in Medicare Advantage plans. About 54% of Medicare Advantage participants are female.

Essence Healthcare is a relatively small Medicare Advantage provider in Missouri. They’re regionally focused but have the highest star rating you can receive. Their HMO also has the lowest maximum out-of-pocket shown at $3,000.

UnitedHealthcare has a $0 PPO with a 4-star rating. UHC is the largest Medicare provider in the nation. Backed by AARP, UHC is a household name for many Medicare beneficiaries.

Humana is also one of the more renowned companies that offer Medicare plans. They have excellent customer service. They have a regional PPO with a $0 premium that matches the maximum out-of-pocket that’s contained in the Unitedhealthcare option.

PLAN PREMIUM MOOP Plan Type Star Rating
UnitedHealthcare $0 $3,900 LOCAL PPO 4
Humana $0 $3,900 REGIONAL PPO 3
Aetna $0 $4,500 LOCAL PPO 4
Anthem BCBS $0 $6,700 LOCAL PPO 4
Essence $0 $3,000 HMO 5

Average Cost of Medicare Supplement Plans in Columbia, Missouri

Next, we’re going to discuss Medigap options. Medicare Supplement plans in Missouri go hand in hand with Original Medicare. These plans help cover costs that are left to you after Medicare pays. There are 10 Plan options to choose from. Medigap Plans have the same coverage regardless of which insurance company you use, or where you live.

When it comes to making the right choice for your Medicare Supplement options there are really only a few things to consider. These plans allow you to see any doctor that accepts Medicare nationwide. Only a few plans have what most would consider fully comprehensive coverage.

Plan F is the most popular choice. You simply pay your monthly premium and Plan F takes care of the rest.

Plan G is almost identical to Plan F. The only difference is you must pay Medicare’s Part B annual deductible. Once that is paid it works exactly the same as Plan F.

Plan N is growing in popularity. This is due to it being the best value for what you’re spending. You still pay the Part B deductible, but you also pay a small copay when visiting the doctor or emergency room.

Both Plan F and Plan G have high deductible options labeled Plans HDF and HDG. These plans have a significantly lower premium in many cases, but you pay your Medicare cost share until you reach your high deductible. These plans are good options for people that have savings or don’t go to the doctor often.

Due to the MACRA Act, Plan F and HDF are no longer available for new Medicare beneficiaries.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $92.50 $304.58
PLAN B $131.75 $288.94
PLAN C $163.36 $284.87
PLAN D $151.02 $240.00
PLAN F $162.23 $350.13
PLAN HDF $42.00 $60.62
PLAN G $124.25 $307.58
PLAN HDG $42.00 $59.50
PLAN K $52.50 $107.54
PLAN L $89.50 $243.07
PLAN M $122.10 $283.10
PLAN N $107.66 $222.78

Cheapest Medicare Part D in Columbia, Missouri

Medicare prescription coverage in Missouri can be the most complicated part of Medicare. There are only 2 ways to receive Medicare drug coverage. You can have it included with most Medicare Advantage plans, or choose a Stand-alone Part D plan.

Either way, you choose they’re required to follow the same structure laid out by the Centers for Medicare and Medicaid Services. They can however choose to offer stronger benefits than outlined in those structural guidelines.

Medicare Drug plans include four phases

Aetna has the cheapest drug plan in the nation through its brand SilverScript. CVS is the parent company of Aetna so in many cases choosing to pick up your scripts from CVS will save you money if you’re enrolled in an Aetna plan.

Wellcare comes in second in the nation on the most affordable Medicare drug plan. With a premium under $13, they are really becoming a common name in the Medicare space.

Humana rounds out the top three. With their Walmart Branded drug plan. You can find significant savings on certain scripts at Walmart.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $6.80 $480 3
Wellcare $12.90 $480 3
Humana $22.70 $480 4
Clear Spring $28.70 $480 2
UnitedHealthcare $29.40 $310 4

Medicare Special Needs Plans

Special Needs plans are Medicare Advantages specially designed for certain beneficiaries in specific demographics.

SNPs fall into a few categories:

  • D-SNP – Dual Eligible Special Needs Plans are designed to work with Medicare beneficiaries with Medicaid
  • C-CSNP – Chronic Special Needs Plans are designed to help beneficiaries with certain chronic health conditions. Examples are COPD, Heart Disease, and Diabetes.
  • I-SNP – Institutionalized Special Needs Plans are designed to allow Medicare members the ability to change if they are going in, living in, or exiting an institutionalized setting.

Aetna is one of the oldest and most recognizable names in the Medicare market. They have plans nationwide and have one of the most unique dental programs in the Medicare space.

Humana and UnitedHealthcare are common Medicare staples. In Columbia, they both have a dual SNP that allows both in and out-of-network coverage. This is a unique offering to have a PPO option as a Medicare/Medicaid SNP.

Anthem has been around as a Blue Cross affiliate for quite some time. They also have a plan specifically designed for low-income Medicare beneficiaries in Columbia.

PLAN PREMIUM MOOP Plan Type Eligibility
Aetna $0 $7,550 HMO Dual
Humana $0 $3,450 LOCAL PPO Dual
Anthem Healthkeepers $0 $5,500 HMO Dual
UnitedHealthcare $0 $7,550 LOCAL PPO Dual
Provider Partners $33.40 $7,550 HMO Institutional

FAQs

What Medicare Advantage plan options are available in Columbia Missouri?

All Medicare Advantage plan types are available in Columbia. There is access to HMO, PPO, PFFS, and SNP Part C choices. All plans may not be available in all areas. Check with a licensed broker to determine which options are available to you.

How much does Medicare Supplement Plan G cost in Columbia Missouri?

Medicare supplement costs can vary depending on location, age, smoking status, and other factors. For a 65-year-old female nonsmoker, a Plan F in Colombia will range between $125 to $308 per month.

What’s the best Part D Plan in Columbia Missouri?

What’s best for one person may not be the same for another. The least expensive Prescription Drug Plan is SilverScript with a premium of only $6.80 per month. The best plan for you will depend on the prescriptions you’re taking.

What’s the most popular Medigap Plan in Columbia Missouri?

Plan F is the most popular Medicare Supplement plan. If you’re new to Medicare Plan F has been discontinued. Plan G is quickly becoming the go-to plan for new Medicare beneficiaries.

How to Sign Up for Supplemental Medicare in Columbia, Missouri

We understand that having so many options to decipher can be overwhelming. Take a deep breath because you’re not alone. Let us assist you in taking the confusion and frustration out of the process. Our Medicare experts can help educate you on the basics of Medicare and your plan options.

We can check to ensure all your needs are met and even guide you through the enrollment process. Give us a call, or fill out our online request form for help.

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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.