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Find The Best Medicare Plans in Missouri

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Best Medicare Plans in Missouri

Shortly before or at the time of turning age 65 you can enroll in some of the best Medicare plans in Missouri. Along with Original Medicare Part A and Medicare Part B, you will need to consider Medicare Part D or the prescription drug plan. In order for Missouri beneficiaries to access their benefits, they need to enroll in Medicare Parts A and B in Missouri during the initial enrollment period.

The initial enrollment period begins three months before the month that you turn 65, and it lasts for three months after your birth month has passed. Those who fail to enroll during these seven months must pay the Part B late enrollment penalty. Therefore, it’s best to go through the Medicare enrollment period as soon as you are Medicare eligible and to read a complete description of benefits so that you’ll know what is and isn’t included in your Medicare coverage. You can then look into additional plan options to help you slash your healthcare costs.

Enrollment Statistics for Medicare in Missouri

In 2018, 798,041 Missouri beneficiaries enrolled in Original Medicare Part A and Part B.

Some of these individuals chose to stick with Medicare alone as a stand-alone insurance option. Many have found that they can dramatically save on their out-of-pocket costs when seeing their health care providers by signing up for another plan. Companies with top star ratings like Cigna, Blue Cross Blue Shield and more offer options in the St. Louis service area and elsewhere throughout Missouri and Kansas.

Best Types of Medicare Plans in Missouri

Medicare beneficiaries have the option of working with an insurance agent and enrolling in the following four types of Medicare plans in Missouri:

  • Medicare Supplement Plans in Missouri: Medicare Supplement Plans are also known as “Medigap Plans,” and they supplement the coverage that you receive from Medicare in Missouri. When you have a Medigap policy, Missouri Medicare will pay the costs that have been approved by Medicare, but it will not pay the entire amount. Your Medigap policy will then pay its portion of the bill, and your costs will be much lower.
  • Medicare Advantage Plans in Missouri: Medicare Advantage Plans are also known as “Medicare Part C,” and you will receive all of your Part A and Part B benefits through this plan. Medicare Advantage plans offer beneficiaries in Missouri an advantage because they offer you extra benefits that Original Medicare insurance does not offer you. For example, Medicare Advantage Plans may pay for vision, hearing, dental, and health and wellness programs. Insurance companies must do a contract renewal with Medicare to offer Advantage plans to seniors like you.
  • Medicare Prescription Drug Plans: Medicare prescription drug plans are also known as “Medicare Part D,” and beneficiaries in Missouri are entitled to accept this optional benefit. If you fail to accept this benefit when you are first eligible to do so, you may have to pay the Medicare Part D late enrollment penalty. This cannot be taken lightly because if you are assessed a penalty, you will be required to pay it as long as you have Part D coverage.
  • Special Needs Plans: Special Needs Plans were designed specifically for those who have been diagnosed with a qualifying disease. You may qualify for these Medicare Plans in Missouri if you possess one of the qualifying characteristics. A plan such as this will be tailored to meet your specific needs. For example, your plan will offer coverage for the specific doctors that you need to see and the drug formularies that pertain to your condition.

If you would like to supplement your Missouri Medicare benefits with a Medigap plan, you will purchase it from a Medicare-approved insurance company. The best plan is to ask for quotes from several insurance companies so that you can compare the rates and find the ones that are offering to charge you the lowest prices. The plan that you should choose after you compare several rates is the one that offers you the most coverage for the lowest price.

Medicare Plans in Missouri: Member Responsibility

As a beneficiary of Medicare plans in Missouri, you will be required to pay several costs for the coverage, including the following:

  • Coinsurance
  • Copayments
  • Deductibles
  • Medicare Part B Premiums
  • Any additional monthly premiums for health plans/insurance plans

Medicare Advantage plans are also offered by Medicare-approved private insurance companies, so you will be able to compare rates and choose the best coverage if you decide to look for this type of plan. If you select this option, you will receive your Part A and Part B benefits from one of the following plans:

  • Medicare Medical Savings Account Plans (MSA)
  • Private Fee-for-Service Plans (PFFS)
  • Preferred Provider Organizations (PPO)
  • Health Maintenance Organizations (HMO)
  • Special Needs Plans (SNP)

Most of the Medicare Advantage plans include Medicare Part D plans for prescription drug coverage.

Medicare in Missouri Resources

If you need help paying your deductibles, copayments and coinsurance, you may be able to receive it from the Medicare Savings Programs for low income Missouri residents. There are four different programs, and they are the following:

  • Qualified Disabled and Working Individuals Program
  • Qualifying Individual Program
  • Specified Low-Income Medicare Beneficiary Program
  • Qualified Medicare Beneficiary Program

If you are interested in finding out if you qualify for any of these programs for Medicare in Missouri, click on the links below:


CMS: Centers for Medicare and Medicaid Services

Missouri State Health Insurance Assistance Program

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