Medicare Advantage Plans in St. Louis, MO

Looking for Medicare Advantage Plans in St. Louis County, MO? Enter your ZIP below to compare affordable or $0 premium plans in your area.

Missouri state

More than 88,000 residents of St. Louis County — or more than 40% of all Medicare beneficiaries within the county — were enrolled in a Medicare Advantage (Medicare Part C) plan in 2019.1

Learn more about Medicare Advantage in Missouri.

2020 Medicare Advantage plans in St. Louis

Number of unique plans 8
Weighted average premium $6
Average annual deductible $24.08
Average (in-network) out-of-pocket maximum $2,906
Number of $0 premium plans 6
Number of plans rated four stars or higher 7

In 2019, St. Louis County residents had their choice of 8 Medicare Advantage plans. In terms of availability, 5 of those plans featured $0 premiums, and the weighted average premium for plans across the county was just $6 per month.

7 of the St. Louis County Medicare Advantage plans were rated four stars or higher based on Medicare Star Ratings.2 Plans rated four stars or higher are considered top-rated Medicare plans.

Premiums, deductibles and other costs may vary. The numbers reported in the table above are taken from the Centers for Medicare and Medicaid Services (CMS). A licensed insurance agent will be able to help you review and compare costs for specific plans available in St. Louis County or wherever you may live.

List of Medicare Advantage plans in St. Louis County

Medicare Advantage plans can come in several different forms. Four out of five Medicare Advantage enrollees in Missouri belonged to an HMO plan in 2019.

  • HMO (Health Maintenance Organization) plans utilize a network of participating doctors and other health care providers. Care is typically not covered by the plan when received outside of the network. 

  • PPO (Preferred Provider Organization) plans are also available in Missouri. These plans offer some more flexibility when choosing a doctor and allow for some coverage outside of the plan’s intended network. 

Private Fee-For-Service (PFFS) plans were also available in Missouri in 2019. 

In the state of Missouri, the breakdown of plan types in 2019 was as follows:

Plan type Percentage of Missouri enrollees (2019)
HMO 80%
PPO 20%
PFFS <1%

How to Sign up for a Medicare Advantage Plan in St. Louis and St. Louis County

There are different Medicare enrollment periods in the year during which you may able to sign up for a Medicare Advantage plan in St. Louis County, depending on your eligibility. 

Medicare IEP graphic

Initial Enrollment Period (IEP)

When you first become eligible for Medicare, you will typically be granted an Initial Enrollment Period (IEP). This period begins three months before you turn 65 years old, includes the month of your birthday and continues for an additional three months. 

Medicare AEP graphic

Annual Enrollment Period (AEP)

The Annual Enrollment Period (AEP, also called the Medicare Open Enrollment Period for Medicare Advantage plans) takes place from October 15 to December 7 each year. This period is open to all eligible Medicare beneficiaries who wish to add, drop or change Medicare plans.  

Special Enrollment Period

If you experience a qualifying circumstance, you may be granted a Special Enrollment Period (SEP) at any time throughout the year to allow you to enroll in a Medicare Advantage plan.

Such circumstances may include situations like moving outside of your plan’s service area or losing your Medicare Advantage plan coverage through no fault of your own. A licensed insurance agent can help you determine if you are eligible for a Special Enrollment Period and what actions you may be able to take during that time. 

Find a Medicare Advantage plan where you live

Medicare Advantage plans can come in a variety of types and can include different benefits, networks, costs and more.

Connect with a licensed insurance agent today for help determining your eligibility and finding the best Medicare Advantage plan for you in St. Louis County. 

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1's internal analysis of CMS Medicare Advantage landscape source files, accessed May 2019. Data retrieved from

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