Kansas City is the largest city in Missouri and is home to the Kansas City Royals and Chiefs. It also has the nickname City of Fountains because it’s home to more than 200 fountains throughout the city. 437,248 Medicare beneficiaries call Kansas City home. There are plenty of Kansas City, Missouri Medicare plans to select from.

Kansas City, Missouri, Medicare plans

We’re going to discuss supplemental Medicare options for residents in Kansas City. First, we’ll discuss the cheapest Medicare Advantage plans and the affordable Medicare Supplement choices.

Then we’ll go over the average drug plan options and what special needs plans are in the area. After that, we’ll conclude by answering a few frequently asked questions and how to get help with Missouri Medicare options in Kansas City.

The information gathered in the illustrations below is based on a woman that’s a non-smoking 70-year-old.

Cheapest Medicare Advantage plans in Kansas City, Missouri

Medicare Advantage plans in Missouri make up a large portion of the Medicare coverage chosen by Kansas City Medicare beneficiaries. These Medicare Part C plans allow you to get your hospital, doctor, and drug coverage in one program. There are 41 Medicare Advantage options to choose from in Kansas City.

Cigna is one one the longest-running insurance carriers. Their local PPO has one of the lowest maximum out-of-pocket limits. Cigna seems to improve its Medicare coverage year after year.

Aetna has a great HMO-POS plan in the area. It has a 4-star Medicare rating, a $0 premium, and a $5,000 maximum-out-of-pocket. CVS, the parent company of Aetna, gives unparalleled insight into their Medicare patients.

Wellcare is becoming a staple in Medicare. Recently acquired by Centene, they and their subsidiaries have one of the biggest Medicare Footprints in the nation.

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

Affordable Medicare Supplement plans in Kansas City, Missouri

When it comes to the most comprehensive coverage, you can’t go wrong with a Medicare Supplement. You retain all your Original Medicare benefits and add the Missouri Medigap to fill in the holes and cover your portion of the cost-share. These standardized plans are the same regardless of where you’re or which insurance carrier you choose.

The most popular plans in Kansas City are Plans F, G, and N, and these three plans make up the lion’s share of Medigap enrollments. Remember, these plans only supplement Parts A and B of Medicare, so you need to purchase a stand-alone drug plan.

Top Medigap Plans in Kansas City, Missouri

Plan F is the most popular. It’s genuinely a set-it-and-forget-it plan. You simply pay your premium, and your Medicare Supplement does the rest. Plan F has been retired for new Medicare beneficiaries.

Plan G is almost the same as Plan F. Like the F, Plan G is a full coverage option, the only difference being the small Medicare Part B deductible. Plan G is the most popular plan, with beneficiaries currently starting Medicare.

Plan N rounds out the top three. Its coverage is similar to G. The main difference is once you meet the deductible, you’re required to pay up to $20 for doctor visits and up to $50 for emergency room visits. Plan N is the most cost-effective Medigap Plan. Plan N also doesn’t cover excess charges. Excess charges are straightforward to avoid.

Plans F and G have a high deductible option for healthy and savvy seniors.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $116.06 $362.65
PLAN B $184.76 $343.38
PLAN C $223.63 $356.87
PLAN D $184.42 $300.88
PLAN F $199.58 $418.19
PLAN HDF $49.00 $74.67
PLAN G $160.10 $372.65
PLAN HDG $49.00 $70.50
PLAN K $78.25 $131.25
PLAN L $132.50 $290.20
PLAN M $167.15 $344.35
PLAN N $130.41 $301.40

Average Medicare Part D prescription drug plans

Medicare Part D plans are the prescription coverage portion of Medicare. These plans aren’t required. However, you’re assigned a penalty later if you choose to opt out. These plans are administered through private companies like SilverScript, and Wellcare.

They consist of four phases set forth by the Centers for Medicare and Medicaid Services: deductible, initial, coverage gap, and catastrophic. All plans must adhere to the standard model and benefits set by Medicare. They can have benefits that are superior to the standard model.

As mentioned above, Medicare Supplements don’t include drug coverage, but many Medicare Advantage plans do.

SilverScript has the cheapest premium for Medicare Part D in the area. Shown below by its parent company Aetna, they have been one of the top Prescription Drug plans over the past several years.

Wellcare is number two and has the second-lowest prescription plan option in Missouri. Wellcare has grown quite a bit over the last several years and is becoming a household name in the Medicare market.

Humana rounds out the top three. Humana’s clients rave about their customer service. Humana is one of the largest Medicare companies in the United States.

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

Medicare Part C plans have specially designed plans to help people with certain financial or health situations. These plans are designated as Special Needs Plans. There are three types of Special Needs Plans available.

Dual Special Needs plans are referred to as D-SNP. These plans are designed to coordinate benefits with Medicare and Medicaid for low-income beneficiaries. In addition to the low cost when using the program, these plans are usually full of plan extras with no additional charge.

Chronic Special Needs plans are designated as C-SNP. The Centers for Medicare & Medicaid Services developed these plans to assist beneficiaries with certain chronic health conditions such as COPD, Diabetes, and heart disease. In some cases, these plans can give lower costs for services and prescriptions for the condition the plan was designed for.

Wellcare has a plethora of SNP plans available. In some areas, they offer programs that include extras such as utility assistance and dental implants. Wellcare is very strong in its dual eligible plan offerings.

UnitedHealthcare is the largest provider of Medicare insurance options. They are one of the few carriers that offer a Medicare Medicaid PPO plan. UHC’s clients love their partnership with AARP and the advantages they bring to the Medicare community.

Humana has one of the lower maximum out-of-pockets on its chronic SNP plan. Humana is a staple in the Medicare industry. They pride themselves on providing excellent health care and service to their clients.

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 $7,550 HMO Dual
NHC Advantage $32.80 $5,900 HMO Institutional

FAQs:

Which Medicare drug plan has the lowest cost in Kansas City, Missouri?

Aetna’s SilverScript has the lowest premium. The lowest premium doesn’t mean it will be your lowest cost. To determine the lowest-cost plan for you, speak with a licensed broker that specializes in Medicare. They can enter your drugs and help you determine which Medicare Drug plan has the lowest overall cost.

How much is Medicare Supplement Plan N in Kansas City, Missouri?

Plan N ranges between $131 and $301 per month. Plan N is one of the most affordable Medigap options. It also offers excellent coverage for Medicare beneficiaries.

Can I still get Plan F in Kansas City, Missouri?

Yes! If you were eligible for Medicare before 1/1/2022. If you became eligible on or after 1/1/2022, you can’t enroll in Plan F. Consider Plan G or Plan N as alternatives.

How to sign up for Medicare plans in Kansas City

In conclusion, St Louis has many options for Medicare beneficiaries. Unfortunately, this is a good and bad thing.

It’s great that there are so many choices, but sometimes too many options cloud the water and make things more confusing and complicated. But never fear. We’re here to help.

Our licensed Insurance brokers are specialists when it comes to all things Medicare. We’ll make sure you understand Medicare and its options.

We’ll assist in determining which plans are suitable for your needs. Then, we’ll even help guide you through the enrollment process. We’re here every step of the way. Simply fill out our online request form, or give us a call.

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.