Kansas City is the largest city in Missouri and 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. There are 437,248 Medicare beneficiaries that call Kansas City home.

Kansas City, Missouri Supplemental Medicare Plans

We’re going to discuss supplemental Medicare options for residents in Kansas City. First, we’ll go over some details about 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 plans are commonly referred to as Medicare Part C and are options that allow you to get your hospital, doctor, and drug coverage in one plan. 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 HMOPOS 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 are, or which insurance carrier you choose.

The most popular plans in Kansas City are Plans F, G, and N, 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.

Plan F is the most popular. It’s truly 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 plan as Plan F. Like the F, Plan G is a full coverage option with 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 very easy to avoid.

Both 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 in Kansas City, Missouri

Medicare Part D plans are the prescription coverage portion of Medicare. These plans are not required, however, you’ll be assessed a penalty later on 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. The four phases are 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. They have the second-lowest prescription plan option in Missouri. Wellcare has grown quite a bit over the last several years. They are 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 plan, these plans are usually full of plan extras with no additional cost.

Chronic Special Needs plans are designated as C-SNP. These plans were developed 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 plans 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 their 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 the lowest cost for you. 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 for you.

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 great coverage for Medicare beneficiaries.

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

Yes! If you were eligible for Medicare prior to 1/1/2022. If you became eligible on or after 1/1/2022 you cannot enroll in Plan F. Consider Plan G or Plan N as alternatives.

How to Sign Up for Supplemental Medicare in Kansas City

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

It’s great that there are so many choices, but sometimes too many choices 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 right 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.

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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.