Springfield is home to 206,072 Medicare beneficiaries. Springfield is the birthplace of Route 66 and the Queen City of the Ozarks. With a beautiful mix of half-urban and half-cowboy, the city has plenty of charm, not to mention a variety of Springfield, Missouri, Medicare plans from which to select.
Medicare plans in Springfield, Missouri
Below, we’ll be covering the cheapest Medicare Advantage plans and most affordable Medicare Supplement plans. Then we’ll be talking about the average cost of Medicare Part D plans and Special Needs plans that are available. Finally, we’ll answer some common questions regarding Missouri Medicare plans in Springfield and how to get help with your options.
The information shown in the charts below depicts a 70-year-old man.
Medicare Advantage plans
In Springfield, there are 95,214 residents enrolled in Medicare Advantage plans. That’s roughly 47% of all people participating in Medicare. Medicare Part C plans are all-in-one insurance coverage and another way to receive your Medicare benefits. Residents of Springfield have 37 MA plans in Missouri to choose from.
Wellcare appears to be tied with Anthem for the most affordable Medicare Advantage plan. It also boasts a $0 premium but has a maximum out-of-pocket of only $3,400. Wellcare has become a familiar name when it comes to Medicare products.
Anthem has one of the least expensive plans in Springfield, with a $0 premium and a maximum out-of-pocket of only $3,400. Anthem is affiliated with Blue Cross Blue Shield, one of the most recognizable names in insurance.
Humana’s HMO comes in second with an out-of-pocket maximum of $3,450. In addition to the $0 premium, it has a 4-star rating. Humana has been a staple in the Medicare Advantage realm for quite some time.
The average cost of Medicare Advantage plans in Springfield, Missouri
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Anthem Healthkeepers | $0 | $3,400 | HMO | 3 |
| Humana | $0 | $3,450 | HMO | 4 |
| Wellcare | $0 | $3,400 | HMO | 3 |
| Aetna | $0 | $5,000 | LOCAL PPO | 4 |
| UnitedHealthcare | $0 | $3,900 | LOCAL PPO | 4 |
Medicare Supplement plans
The federal government standardizes Medicare Supplements in Missouri. This standardization implies that no matter who you’re insured by or where you live, the benefits must be the same.
Medigap plans supplement Original Medicare to fill in the gaps. You’ll still be free to choose any providers as you do with Orginal Medicare, but with added protection from the potentially high costs.
These plans have ten plan options available and don’t include drug coverage. The top plans available are Plans G, F, and N. Both Plans F and G have high deductible options. They have the designation of HDF and HDG, respectively.
Plan N is the most affordable Medigap option, with Low copays when you visit the doctor or emergency room and being responsible for the Medicare Part B deductible and excess charges. This Plan is growing rapidly in popularity.
Plan G is the top plan for beneficiaries that are new to Medicare. Other than your premium, the only cost you’re responsible for is the Part B deductible.
Plan F is the longstanding king of Medicare Supplement plans. It’s the most comprehensive and expensive option available. With this plan, your out-of-pocket is only your monthly premium.
The average cost of Medicare Supplement plans in Springfield, Missouri
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $129.25 | $402.84 |
| PLAN B | $184.00 | $381.45 |
| PLAN C | $229.07 | $397.00 |
| PLAN D | $180.25 | $334.20 |
| PLAN F | $189.08 | $464.54 |
| PLAN HDF | $56.00 | $75.80 |
| PLAN G | $152.41 | $413.95 |
| PLAN HDG | $56.00 | $76.55 |
| PLAN K | $74.00 | $145.73 |
| PLAN L | $125.00 | $322.34 |
| PLAN M | $171.21 | $382.50 |
| PLAN N | $129.24 | $311.41 |
Medicare Part D prescription drug plan
Missouri Part D plans provide beneficiaries with Medicare prescription coverage. They are administered by private healthcare companies such as Aetna and Humana. They follow the Medicare model and must provide coverage at least as good as what is outlined by the Centers for Medicare and Medicaid Services.
These plans have four coverage phases as you pick up your scripts throughout the year.
Phases of Prescription Drug Coverage
- Deductible Phase
- Initial Coverage Phase
- Coverage Gap Phase
- Catastrophic Phase
Not all plans require a deductible. The Coverage Gap Phase is also called the Donut Hole.
SIlverScript by Aetna has been the long-running champion of prescription drug plans. Over the years, it has established itself as a top-tier Medicare Drug plan company. They have the lowest premium of all Medicare Drug plans in Springfield.
Wellcare is really putting up some great plans. They have sprung to the top of the Medicare drug plan market over the past few years and don’t appear to be looking back.
Humana comes in at number three. They’re also solid in the Medicare market. Not only do they have affordable plans, but they also have great benefits.
The average cost of Medicare Part D plans in Springfield, Missouri
| 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 |
Special Needs Plans
Some Medicare Part C plans are designed to assist specific demographics of Medicare Beneficiaries. These Special Needs Plans are available to provide extra assistance to those with special needs such as chronic health conditions, low income, and living in an institutionalized setting.
There are three types of Special Needs Plans.
D-SNP – Dual Special needs plans are designed to help beneficiaries enrolled in Medicare and Medicaid.
C-SNP – Chronic Special Needs Plans are available to beneficiaries with chronic health conditions such as diabetes, COPD, and heart conditions.
I-SNP – Institutionalize Special Needs Plans help beneficiaries that live in an institutionalized setting.
Humana and Wellcare both have a low maximum out-of-pocket on their Dual SNP HMOs. On these style plans, many additional benefits are given to qualifying beneficiaries.
UnitedHealthcare has a Dual SNP PPO. These are not always available, but they give additional freedoms to choose providers.
Aetna and Anthem round out the chart. Both have HMO offerings in their D-SNP plans in Springfield.
The average cost of Medicare Special Needs plans in Springfield, Missouri
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Humana | $0 | $3,450 | HMO | Dual |
| UnitedHealthcare | $0 | $7,550 | LOCAL PPO | Dual |
| Aetna | $0 | $7,550 | HMO | Dual |
| Anthem Healthkeepers | $0 | $5,500 | HMO | Dual |
| Wellcare | $0 | $3,450 | HMO | Dual |
How to sign up for Medicare plans in Springfield, Missouri
Medicare can be confusing, but we can help simplify it. Medicare is only as complicated as the person explaining it makes it. Our licensed experts can assist in all aspects of Medicare. From education on the basic to the plan options available. We can hold your hand throughout the entire process to meet your needs. We’re here to help! Please fill out our online request form, or give us a call.
