Independence is the fifth-largest city in Missouri. There are more than 150,000 Independence Missouri Medicare beneficiaries that 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 what Special Needs Plans are available. 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 shown.

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

Wellcare shows up at the top as well. They generally have very strong 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 HMOPOS 4
Humana $0 $4,400 LOCAL PPO 4

Average Medicare Supplement Plans in Independence, Missouri

When you’re looking for the most comprehensive coverage you can get along with Medicare, Medicare Supplements in Missouri are your go-to. They are standardized by Medicare. This 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 holes that are left up to the beneficiary. That’s why they are also called Medigap plans. Medicare Supplements don’t cover prescription drugs so it’s important that you enroll in a Part D plan in addition.

There are three plans that stand above the rest. They are the most popular plans nationwide, as well as 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 plans

Plan G is great coverage as well. It is the other full comprehensive plan. The coverage level is the same as Plan F. There is only one difference between the two 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 deductible, but once that’s met, there is nothing else out of pocket to pay for the year.

Plan N is gaining popularity as it is 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. For the emergency room, you’ll be responsible for up to a $50 copay. Other than that the only thing not covered in 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 CMS. These plans are offered by private companies but must follow the model that was created. Drug plans can offer options that are better than the model but cannot 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. With a premium under seven bucks, it can be a no-brainer for the beneficiary that 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 certain beneficiaries. They’re specifically designed with certain needs in mind. There are three types of Special Needs Plans.

Dual SNPs are specifically 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 that have chronic conditions. Some examples of conditions that have 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 help they need.

UnitedHealthcare has a PPO option for beneficiaries with both Medicare and Medicaid. Having 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 plan. The premium is just under $7. Best is a relative term. The best plan for you will be determined by the prescriptions you’re taking. A licensed broker can assist you with seeing which plans fit your prescriptions 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 covered properly.

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.

Picture of the author
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.