Missouri Medicare Part D plans help cover the cost of your medications. The Show Me State is home to nearly 1,000,000 Medicare beneficiaries. Currently, 924,604 beneficiaries are enrolled in some form of prescription coverage. There are 401,939 Medicare members enrolled in stand-alone Medicare Part D plans.

Missouri Medicare Part D plans

Medicare has two options you can use for coverage to pick up your prescriptions from the pharmacy. Medicare Advantage plans are one option.

These plans are referred to as Medicare Part C and are all-in-one plans that typically include prescription coverage. The other choice is Medicare Part D plans. These are stand-alone plans that you pick up specifically for drug coverage.

We’ll discuss Part D plans with the lowest monthly premium, then those with no deductible. After that, we’ll cover the programs that provide additional protection in the coverage gap and plans that work with Low-Income subsidies. Finally, we’ll answer several questions and show you how to get help choosing a Part D plan.

Missouri Part D plans with the lowest premium

Premium is one consideration when choosing the right plan for youPlanep in mind premiums aren’t the most important aspect of your drug coverage. Buying the cheapest or most expensive plan won’t do you good if your Prescriptions aren’t covered.

In Missouri, SilverScript by Aetna has the lowest monthly premium. SilverScript has consistently been one of the top drug coverage companies in Medicare.

Wellcare is also a great option, and they have the second-lowest monthly premium at just under $13. Wellcare is undoubtedly a well-known company in the Medicare realm.

Humana comes in third when it comes to the lowest monthly premium. Humana is first in many beneficiaries’ minds due to its client-centric and customer-service focus.

Aetna $6.80 $480 3 No
Wellcare $12.90 $480 3 No
Humana $22.70 $480 4 No
Clear Spring $28.70 $480 2 No
UnitedHealthcare $29.40 $310 4 No

Missouri Medicare Part D plans with a zero-dollar deductible

Regarding deductibles, some plans have them, and some don’t. There are even some companies that only have a deductible for higher-tier prescriptions. That’s why it’s so vital that you check your prescriptions with a licensed broker before making a decision.

SilverScript tops the list again. As mentioned above, they are part of Aetna and always seem one of the top options.

Wellcare comes in second. Are you noticing a pattern here? They are increasing their coverage and client experiences. We expect them to continue being at the top and improving.

Anthem has the highest star rating of the $0 deductible plans. As part of the Blue Cross family, they are very well-known. Most people have had Blue Cross insurance coverage at some point.

Aetna $57.00 $0 3 Yes
Wellcare $69.00 $0 3 No
Anthem $76.40 $0 4 Yes
UnitedHealthcare $101.10 $0 3 Yes

Part D Plans with gap coverage in Missouri

The Coverage Gap phase, better known as the Donut Hole, is one of the most feared parts of Medicare Coverage. It’s certainly not as devastating as it used to be, but it can still cause financial hardship if you reach that phase.

A few companies offer plans with additional coverage in the Donut Hole.

UnitedHealthcare is the largest insurer of Medicare beneficiaries. They have the least expensive plan that provides additional coverage in the Donut Hole.

No surprise here. SilverScript is in the top three.

Cigna is a very reliable company. They have been around for quite some time. Their drug plan niche seems to be plans that offer protection in the gap. They are a solid choice.

UnitedHealthcare $29.40 $310 4 Yes
Aetna $57.00 $0 3 Yes
Cigna $63.50 $100 3 Yes
Anthem $76.40 $0 4 Yes
UnitedHealthcare $101.10 $0 3 Yes

Part D plans with a Low-Income Subsidy in Missouri

There are several programs out there that help low-income beneficiaries. For prescription drugs, the Extra Help program also called the Low-Income Subsidy, assists with plan premiums and drug costs at the pharmacy.

The Extra Help program is based on income and can also eliminate your plan deductible. When you’re on LIS, choosing the plan that covers your drugs is the most important thing. The plans outlined deductible or copays don’t matter, only that your prescriptions are on the formulary.

Clear Spring is a newer Part D plan company. They have competitive plans but have a lower-than-average star rating. They have been working hard to improve the rating, but there are many times when they come up on top regarding coverage of drugs.

We already talked about Wellcare and Aetna’s SilverScript. Both always seem to be great options for Medicare Beneficiaries.

Humana and Cigna round out the list. Both are companies known for their customer service and have been operating in the Medicare space since dinosaurs roamed the earth. You can’t go wrong with companies operating for such a long time.

Clear Spring $28.70 $480 2 No
Wellcare $29.00 $480 3 No
Aetna $30.90 $480 3 No
Cigna $31.80 $480 3 No
Humana $32.00 $480 4 No

Amount of beneficiaries that fall into each Part D coverage phase

Part D plans must follow the standards set aside by Medicare. The coverage must be as good or better than the minimum standard coverage outlined by The Centers for Medicare and Medicaid Services.

Each Plan consists of four coverage phases. The phases are as follows:

  1. Deductible Phase – Up to $505
  2. Initial Coverage Phase – Up to 25% cost of the prescription, Usually, plans have fixed copays in this phase.
  3. Coverage Gap Phase (Donut Hole) – 25% of the drug costs
  4. Catastrophic Phase – 5% of prescription drug costs or a small copay, whichever is greater


Most Medicare beneficiaries don’t reach the Coverage Gap or the Catastrophic phases. Below we’ll show how many beneficiaries reach each stage.

Deductible Phase Initial Coverage Phase Coverage Gap Phase Catastrophic Phase
182,024 447,662 106,093 86,062

Medicare Supplement coverage’s estimated premiums for Cities in Missouri

Missouri Medigap plans offer great coverage but carry premiums. Here are the estimated costs for the following cities:


What’s the most popular Medicare Part D Plan in Missouri?

SilverScript is among the top plans across every category in Missouri. They are owned and backed by Aetna/CVS. They have options with the lowest premium in the state, $0 deductible options, and even a plan that provides coverage through the Donut Hole.

Do I need Medicare Part D if I am not taking any prescriptions in Missouri?

No! You’re not required to enroll in a Part D plan. However, you’ll be penalized for every month you’re eligible but elected not to enroll in one. Enrolling in a Part D plan would be best to avoid the Penalty.

What’s the cheapest drug plan in Missouri?

At $6.80, SilverScript has the cheapest drug plan premium in the state. Before choosing a plan, check to see how your drugs are covered.

When can I change my drug plan in Missouri?

You can only change your drug coverage during the Annual Enrollment Period or the Medicare Advantage Open Enrollment Period. You can only change outside this period if you qualify for a Special Enrollment Period.

How to get help signing up for a Missouri Medicare Part D plan

Drug plans can be the most dreaded part of Medicare. It’s essential to check every prescription and see what the cost breakdown looks like month over month. We can help. Our licensed brokers have tools at their fingertips to review your medications against all the available options at once.

They can even provide a detailed comparison to ensure you’re choosing the right plan for your situation and assist in reviewing your Medicare Drug Plan options; fill out our online request form, or you can give us a quick call. We have agents ready to assist 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.