Medicare Advantage in Missouri

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Missouri state

Information about Medicare Advantage Plans in Missouri

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35 percent of Medicare beneficiaries in Missouri were enrolled in a Medicare Advantage (Medicare Part C) plan in 2019.1

There are 43 different Missouri Medicare Advantage plans in 2019.1

A licensed insurance agent can help you compare the availability, benefits and costs of Medicare Advantage plans in your area of Missouri, because not every plan is available in every county.

You can also visit these pages to learn more about other types of Medicare plans that may be available in Missouri:

Average costs of Medicare Advantage in Missouri

The average Medicare Advantage plan premium in Missouri in 2019 was $7 per month.

That average was affected by the 29 available 2019 plans that feature $0 monthly premiums.

  • Average monthly premium cost in 2019 (weighted): $7
  • Average in-network out-of-pocket spending limit: $3,837
  • Average deductible in 2019 (weighted): $23.501

Out-of-pocket costs, premiums, deductibles and other costs may vary depending on where you live and the Medicare Advantage plan you have.

You can view the 2019 average Missouri Medicare Advantage plan monthly premiums listed by county below in this guide.

A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Compare Missouri Medicare Advantage plan costs

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Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Medicare Eligibility & Enrollment in MO

Before you can sign up for a Medicare Advantage in Missouri, you must first enroll in Original Medicare (Part A and Part B).

You must meet the following requirements in order to enroll in Medicare at age 65:

  • You must be a U.S. citizen or permanent legal resident who has lived in the U.S. for five continuous years.

  • You or your spouse must have worked long enough to be eligible for Social Security or Railroad Retirement benefits.

  • You or your spouse must be government employees or retirees who have not paid into Social Security but have paid Medicare payroll taxes.

You may also be eligible for Medicare benefits under 65 if:

  • You have been receiving Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.

  • You have ALS (amyotrophic lateral sclerosis, or Lou Gehrig's disease).

  • You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for a certain length of time.

It’s important to note that if you have ESRD, you may not qualify for most Medicare Advantage plans. If you have ESRD, you may be able to enroll in a Missouri Medicare Special Needs Plan (SNP) that is specifically designed to help meet your health care needs.

How to sign up for a Medicare Advantage Plan in Missouri

The first time you may be able to enroll in a Missouri Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP).

Medicare Initial Enrollment Period graphic

Your seven-month Medicare IEP begins three months before your 65th birthday, includes the month of your birthday and extends for three additional months thereafter.

Additional times at which you may sign up for a Medicare Advantage plan include:

Medicare Advantage Open Enrollment Period graphic

Medicare Advantage Open Enrollment Period: January 1 – March 31

If you're already enrolled in a Medicare Advantage plan, you may switch to a new Medicare Advantage plan or drop your current Medicare Advantage plan and return to Original Medicare during the Medicare Advantage Open Enrollment Period.

This period lasts from Jan. 1 to March 31 each year.

If you return to Original Medicare during this period, you may also be able to join a Medicare standalone prescription drug plan (Medicare Part D).

Medicare AEP graphic

Medicare Annual Enrollment Period (AEP): October 15 – December 7

Medicare AEP lasts from Oct. 15 to Dec. 7 every year. During AEP, you may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another.

You may also disenroll from your current Medicare Advantage plan and return to Original Medicare.

During AEP, you may also join, switch or drop a Medicare Part D plan. 

Medicare Special Enrollment Periods (SEP)

You may potentially be granted a Medicare Special Enrollment Period (SEP) at any time throughout the year, but only if you meet a specific qualifying circumstance.

A licensed insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Find a Missouri Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Top-rated Medicare Advantage Plans in Missouri 2019

Every year, star ratings are issued by the Centers for Medicare & Medicaid Services (CMS) that rate Medicare Advantage plans using a system of one to five stars.2

In order for any Medicare Advantage plan to be considered a top-rated plan, it must have four or more stars out of five stars.

In 2019, there are 20 top-rated 2019 Medicare Advantage plans in Missouri that are rated four stars or higher.

Medicare Star Ratings
Star Ratings

★★★★★

Excellent

★★★★

Above Average

★★★

Average

★★

Below Average

Poor

Medicare Advantage plans are rated in the following five categories:

  • Preventive care and health maintenance (screenings, tests, vaccines, etc.)
  • Management of chronic conditions
  • Member experiences and ratings of the plan
  • Member complaints, problems receiving services and member retention
  • Customer service

The information for the star ratings is gathered from information that is submitted to Medicare, Medicare’s regular monitoring activities and member surveys.

List of Medicare Advantage Plans Available in Missouri in 2019

To view a list of plans offered in your area within Missouri, use our plan comparison tool.

Find a Missouri Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Private insurance companies offer Medicare Advantage plans in Missouri

A number of different insurance carriers may offer Medicare Advantage plans in Missouri.

Private insurance companies offer Medicare Advantage plans that may be unique to the plan area they serve, so the availability of plans near you may be different than other areas of the state.

Call to speak with a licensed insurance agent who can help you compare the Medicare Advantage plans that are sold by insurance companies in your area.

You can also use the following information to help you decide on the Medicare Advantage plan that fits your needs:

  • The Medicare Star Ratings can give you an idea of a plan’s overall quality.

  • Agencies like A.M. Best, Moody’s and Standard & Poor’s can provide information about an insurance company’s credit rating and financial standing.

Missouri Medicare Advantage plans by county

The chart below provides some more costs and enrollment information about 2019 Missouri Medicare Advantage plans by county.1

  • St. Louis County had the most available Medicare Advantage plans in 2019, including 7 top-rated plans that had four stars or higher.

  • There were 6 $0 premium plans available in St. Louis County and in Jackson County in 2019, which was the most for any county in the state.
2019 MO Medicare Advantage by County
County Total of County MA Enrollees % of Medicare Beneficiaries Enrolled in MA Average Monthly Premium Number of Plans Available Number of $0 Premium Plans Available % Enrolled in a $0 Premium Plan
Adair 546 11% $55 0 0 17%
Andrew 424 12% $37 0 0 2%
Atchison 108 7% $65 1 0 20%
Audrain 1281 22% $15 1 0 44%
Barry 3492 38% $6 2 1 72%
Barton 783 24% $1 1 1 96%
Bates 1122 27% $0 0 0 99%
Benton 2050 28% $0 0 0 99%
Bollinger 530 17% $43 0 0 54%
Boone 9142 32% $12 2 1 45%
Buchanan 3100 17% $21 1 0 41%
Butler 1745 15% $96 0 0 1%
Caldwell 497 23% $1 0 0 99%
Callaway 3187 33% $15 0 0 29%
Camden 2840 20% $33 0 0 16%
Cape Girardeau 2141 13% $36 0 0 62%
Carroll 459 19% $2 0 0 97%
Carter 251 14% $93 0 0 3%
Cass 8517 40% $8 1 1 67%
Cedar 1579 38% $6 0 0 70%
Chariton 287 14% $94 0 0 3%
Christian 8066 44% $8 1 1 58%
Clark 164 10% $88 0 0 4%
Clay 13599 31% $9 0 0 55%
Clinton 954 21% $4 0 0 88%
Cole 5213 33% $19 0 0 16%
Cooper 1073 27% $21 0 0 58%
Crawford 2385 38% $3 2 2 92%
Dade 930 41% $10 1 1 50%
Dallas 2213 47% $10 1 1 51%
Daviess 366 18% $51 0 0 20%
DeKalb 426 17% $39 0 0 44%
Dent 663 16% $28 0 0 62%
Douglas 1793 47% $4 0 0 79%
Dunklin 1428 18% $95 0 0 1%
Franklin 12721 54% $2 0 0 95%
Gasconade 1433 35% $3 0 0 94%
Gentry 162 10% $57 0 0 25%
Greene 27716 45% $9 5 3 55%
Grundy 219 8% $87 0 0 5%
Harrison 224 10% $51 0 0 33%
Henry 1915 29% $0 0 0 99%
Hickory 1471 41% $5 0 0 74%
Holt 146 11% $65 0 0 20%
Howard 580 25% $16 0 0 64%
Howell 3052 27% $6 0 0 68%
Iron 548 17% $18 0 0 74%
Jackson 53378 41% $8 8 6 62%
Jasper 7228 29% $5 1 1 76%
Jefferson 22079 48% $4 0 0 91%
Johnson 2257 26% $5 0 0 72%
Knox 101 10% $45 2 1 29%
Laclede 4246 47% $10 0 0 47%
Lafayette 2516 32% $9 0 0 58%
Lawrence 4128 43% $8 0 0 59%
Lewis 287 12% $70 0 0 1%
Lincoln 4127 38% $15 1 1 39%
Linn 436 13% $70 0 0 6%
Livingston 556 15% $1 0 0 99%
Macon 543 13% $95 0 0 2%
Madison 724 21% $44 0 0 40%
Maries 474 21% $19 0 0 56%
Marion 1019 14% $55 1 0 0%
McDonald 1498 34% $6 0 0 69%
Mercer 108 11% $61 0 0 14%
Miller 1686 28% $18 0 0 17%
Mississippi 372 12% $91 0 0 5%
Moniteau 886 28% $18 0 0 63%
Monroe 335 14% $51 0 0 33%
Montgomery 726 23% $24 0 0 32%
Morgan 1392 21% $45 0 0 33%
New Madrid 635 15% $70 0 0 4%
Newton 3765 28% $5 0 0 73%
Nodaway 341 8% $72 0 0 5%
Oregon 593 19% $45 0 0 33%
Osage 799 28% $16 1 1 22%
Ozark 1101 34% $8 1 0 61%
Pemiscot 961 23% $55 0 0 20%
Perry 639 15% $15 0 0 70%
Pettis 2097 23% $0 0 0 100%
Phelps 2071 22% $49 0 0 25%
Pike 859 22% $15 0 0 68%
Platte 4872 28% $10 0 0 53%
Polk 3186 44% $7 0 0 63%
Pulaski 1003 15% $20 0 0 2%
Putnam 156 11% $55 0 0 17%
Ralls 407 15% $60 0 0 1%
Randolph 1272 23% $2 0 0 96%
Ray 1627 31% $8 0 0 65%
Reynolds 382 18% $7 0 0 89%
Ripley 589 15% $72 0 0 4%
Saline 1412 27% $1 0 0 99%
Schuyler 120 12% $61 0 0 14%
Scotland 66 6% $55 0 0 17%
Scott 1653 16% $44 0 0 54%
Shannon 554 24% $2 0 0 97%
Shelby 205 13% $45 0 0 29%
St. Charles 31603 44% $6 0 0 87%
St. Clair 881 30% $4 0 0 82%
St. Francois 4791 30% $0 0 0 100%
St. Louis 88069 41% $6 8 6 87%
St. Louis City 22412 41% $4 0 0 91%
Ste. Genevieve 1114 26% $10 0 0 77%
Stoddard 1649 21% $21 1 1 78%
Stone 4388 39% $7 0 0 64%
Sullivan 175 11% $61 0 0 14%
Taney 6078 39% $6 0 0 67%
Texas 1107 18% $51 0 0 33%
Vernon 1350 28% $1 0 0 99%
Warren 3509 45% $4 0 0 90%
Washington 2017 35% $2 0 0 96%
Wayne 751 18% $91 0 0 4%
Webster 4262 49% $11 0 0 46%
Worth 52 9% $57 0 0 25%
Wright 2103 40% $10 0 0 49%

MO Medicare Advantage enrollees by plan type

The chart below illustrates the percentage of 2019 Missouri Medicare Advantage enrollees that are enrolled in each primary type of Medicare Advantage plan.1

Plan type Percentage of Missouri enrollees (2019)
HMO 79.6%
Local PPO 19.7%
PPFS 0.5%
Regional PPO 0.1%

The major types of Medicare Advantage plans include:

Not all of these types of plans may be available in your area.

A licensed insurance agent can help you compare the types of 2019 Missouri Medicare Advantage plans that are available where you live.

Local health insurance resources in Missouri

  • Community Leaders Assisting the Insured of Missouri is a non-profit organization that provides free and unbiased information to people with Medicare insurance in an effort to help them get the most out of their benefits. CLAIM can be contacted at 800-390-3330 or 573-817-8320.

  • You can also explore more information about the insurance industry in Missouri by visiting the state’s Department of Insurance website.

  • Missouri Prescription Drug Assistance Programs
    The state of Missouri has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.

Copyright © 2019 TZ Insurance Solutions LLC. All rights reserved.

1 MedicareAdvantage.com's internal analysis of CMS Medicare Advantage landscape source files, accessed May 2019. Data retrieved from www.cms.gov/Medicare/Prescription-Drug-Coverage/PrescriptionDrugCovGenIn.

Includes 2019 approved contracts/plans. PACE, Special Needs Plans, Part B Only Plans, and Employer sponsored plans (800 series) are excluded. Plans under sanction are not shown.

2 Every year, Medicare evaluates plans based on a 5-star rating system.

MedicareAdvantage.com is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC is a licensed and certified representative of A Medicare Advantage [HMO, PPO and PFFS] organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any plan depends on contract renewal.

TZ Insurance Solutions LLC and the licensed sales agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program. This website does not contain a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call (877) 486-2048), 24 hours a day / 7 days a week or consult www.medicare.gov.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums, and/or copayments/coinsurance may change on January 1 of each year.

Medicare has neither reviewed nor endorsed this information.

Last Updated: 6/26/2019