Independence is the fifth-largest city in Missouri. More than 150,000 Independence, Missouri Medicare beneficiaries call Independence their home.

Supplemental Medicare Plans in Independence, Missouri

Throughout this article, we’ll cover the cheapest Medicare Advantage plans and the average cost of Medicare Supplements. Then we’ll discuss the most affordable Medicare Part D plans and the available Special Needs Plans. After that, we’ll address some common questions. Finally, we’ll show you how to get help with Medicare options in Independence, Missouri.

The data given in the illustrations below are based on a 65-year-old male.

Cheapest Medicare Advantage Plans in Independence, Missouri

Missouri Medicare Advantage plans are another way to receive your Medicare benefits. These plans combine your Medicare Parts A, B, and in many cases, D benefits into an all-in-one option.

Located in Jackson County, Independence residents have 40 Medicare Part C options to pick from. Currently, about 100,000 Medicare beneficiaries in Independence are on Medicare Advantage plans.

Humana has the cheapest overall Medicare Advantage plan in Independence. Their PPO has a 4-star rating and a $0 premium. What stands out is the lowest maximum out-of-pocket compared to the other top choices.

Cigna comes in number two. The plan shown below has the second-lowest maximum out-of-pocket at $4,900. Cigna’s program also has a 3-star rating.

Wellcare shows up at the top as well. They generally have robust benefits in their HMO plans. They are one of the most well-known Medicare companies in the US.

PLAN PREMIUM MOOP Plan Type Star Rating
Cigna $0 $4,900 LOCAL PPO 3
Wellcare $0 $7,550 HMO 3
Blue $0 $7,250 LOCAL PPO 4
Aetna $0 $5,000 HMO-POS 4
Humana $0 $4,400 LOCAL PPO 4

Average Medicare Supplement Plans in Independence, Missouri

When looking for the most comprehensive coverage to add to Medicare, Medicare Supplements in Missouri are your go-to. Medicare standardizes them. Standardization means the coverage remains the same no matter where you are or which company you choose.

These plans work with Original Medicare to fill in the costs left for the beneficiary to pay. That’s why they’re also called Medigap plans. Medicare Supplements don’t cover prescription drugs, so you must also enroll in a Part D plan unless you have other creditable prescription coverage. Going without drug coverage isn’t recommended as it can leave you susceptible to a penalty.

Top Medicare Supplement plans

Three plans stand above the rest. They are the most popular plans nationwide and in Independence, Missouri.

Plan F is your Cadillac plan. You pay your premium, and Plan F does the rest. It’s a set-it-and-forget-it plan.

Plan G is excellent coverage as well. It’s the other complete comprehensive plan. The coverage level is the same as Plan F. There is only one difference between the plans. Plan G doesn’t cover Medicare’s annual Part B deductible.

Both Plan F and Plan G have high deductible options. The HDF and HDG have a large annual deductible. Once that’s met, there is nothing else out of pocket to pay for the year.

Plan N is gaining popularity as it’s the most affordable option. Plan N is similar to Plan G. it doesn’t cover the Part B deductible. The differences are when you see a doctor; you’ll pay up to a $20 copay. You’ll be responsible for up to a $50 copay for the emergency room. Other than that, the only thing not covered is the Medicare excess charges. Fortunately, they are very easy to avoid.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $108.22 $338.30
PLAN B $164.85 $320.93
PLAN C $195.05 $316.75
PLAN D $180.31 $276.00
PLAN F $196.18 $388.94
PLAN HDF $48.00 $74.01
PLAN G $163.25 $341.66
PLAN HDG $48.00 $73.67
PLAN K $69.25 $119.40
PLAN L $117.50 $269.98
PLAN M $145.79 $314.47
PLAN N $137.09 $267.28

Cheapest Medicare Part D in Independence, Missouri

Medicare prescription drug coverage in Missouri follows the guidelines set forth by the Centers for Medicare & Medicaid Services. These plans are offered by private companies but must follow the model provided. Drug plans can provide options that are better than the model but can’t be less.

Medicare Part D is your stand-alone drug coverage for prescriptions picked up at the pharmacy. They are required to have four coverage phases. The phases include the deductible, initial coverage, coverage gap, and catastrophic coverage phases. As you fill your prescriptions, you’ll move through your coverage phases.

Aetna’s SilverScript has the cheapest premium in Independence. Their plans have always been highly regarded. A premium under seven bucks can be a no-brainer for the beneficiary who doesn’t take prescriptions.

Wellcare has a very inexpensive plan, also. Their cheapest Part D plan comes in just shy of $13.

Humana also has an affordable plan. At just under $23, you can’t go wrong. Couple that will some of the best customer service in the industry, and you have a solid choice.

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 great options for specific beneficiaries. They’re specifically designed with particular needs in mind. There are three types of Special Needs Plans.

Dual SNPs are expressly set up to assist with the coordination and needs of low-income beneficiaries. You must have Medicare and Medicaid to enroll in a dual plan.

Chronic SNPs cater to beneficiaries with chronic conditions, and some examples of conditions with SNP options include COPD, Diabetes, and chronic heart disease. These plans can alter the typical costs for procedures, treatments, or prescriptions used to treat the condition.

Institutionalized SNPs are for beneficiaries that reside in an institutional setting.

Wellcare’s D-SNP tops the list with a low maximum out-of-pocket. Their D-SNP plans have a variety of plan extras that help low-income beneficiaries get the treatment and support they need.

UnitedHealthcare has a PPO option for beneficiaries with both Medicare and Medicaid. A plan such as this will allow access to a larger pool of doctors.

Humana and Aetna round out the list. Both of their plans shown have a low maximum out-of-pocket.

PLAN PREMIUM MOOP Plan Type Eligibility
Wellcare $0 $3,450 HMO Dual
UnitedHealthcare $0 $7,550 LOCAL PPO Dual
Humana $0 $3,450 HMO Chronic or Disabling
Aetna $0 $3,450 HMO Dual
NHC Advantage $32.60 $5,900 HMO Institutional

FAQs

What Medicare Advantage plans are available in Independence, Missouri??

There are 40 Medicare Advantage plan options in Independence. The options available are HMO, PPO, PFFS, and SNP. To get more information on the benefits available, speak with a licensed insurance broker.

What is the best Prescription Drug plan in Independence, Missouri?

The cheapest plan is the SilverScript, with a premium of just under $7. Best is a relative term, and your prescriptions will determine your best plan. A licensed broker can assist you with seeing which programs fit your medications best.

What does a Plan G cost in Independence, Missouri?

Plan G will range from $164 to $342, depending on where you live, your age, and your health.

How to Sign Up for Supplemental Medicare in Independence, Missouri

We’re here to assist you in understanding your Missouri Medicare and Medicare options. We have licensed brokers standing by that specialize in every aspect of Medicare. They’ll educate and help you understand Medicare. Assist you in verifying your doctors and medications are appropriately covered.

For more information or assistance, simply fill out our online request form. Don’t wanna wait; then you can give us a call. Our knowledgeable agents are available to help you.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.