Best Medicare Supplement Plans in Missouri 2024

If you’re a Medicare beneficiary in Missouri, it’s important to familiarize yourself with Medigap policies, also known as Medicare Supplement plans.

Of the ten available plans, Medicare Supplement Plan G stands out as the top choice in Missouri, closely followed by Plan N.

We found Anthem Blue Cross and Blue Shield offers the best rates on Plan G in Missouri, starting at $154 per month. Ace Property and Casualty Insurance Company offers the best rates on Plan N, coming in at $123 per month.

Below is a breakdown of the top four plans for 2024:

Medicare Supplement Insurance Plan G

  • Plan G offers the most similar benefits to Plan F in Missouri. 
  • Like Plan F, Plan G covers copays, coinsurance, and deductibles. However, it does not cover the Medicare Plan B deductible. As a result, in 2024, you will be charged $240 for your Part B deductible.
  • There are currently 142,225 individuals enrolled in Plan G.

Medicare Supplement Insurance Plan N

  • Medicare Plan N includes lower premiums but more out-of-pocket costs.
  • Over 20,000 current enrollees.
  • Covers deductible for Medicare Part A.
  • Plan N requires up to a $20 copay for doctor’s office visits.
  • Requires up to $50 copay for emergency room visits. The copay is waived if the beneficiary is admitted.

High Deductible Plan G

  • For those eligible for Medicare after January 1, 2020, High Deductible Plan G offers coverage similar to High Deductible Plan F.
  • Under High Deductible Plan G, you must reach a deductible of $2,800 in 2024 before the plan pays your Medicare out-of-pocket costs.

Medicare Supplement Insurance Plan F

  • Medicare Plan F is the most popular of the Medicare Supplement insurance plans in Missouri, but it’s only offered to those who became eligible for Medicare before January 1, 2020.
  • Currently, 140,823 individuals are enrolled in Plan F.

After analyzing various factors, we have determined that Anthem Blue Cross and Blue Shield is the top provider of Medicare Supplement plans in Missouri.

Anthem stands out from its competitors due to its cost-effective plans, wide range of options, discounts on premiums for households, and high customer satisfaction ratings.

We have provided a chart below that compares Anthem with other Medicare Supplement companies in Missouri. You’ll find helpful information, such as sample premiums and ratings, to help you make an informed decision.

CompanyAM Best RatingPlan G RatesPlan N RatesPlan K RatesPlan F Rates
Anthem Blue Cross and Blue Shield – MissouriA$154.27$147.98n/a$243.74
Cigna National Health Insurance CompanyA$158.18$134.70n/a$234.67
Ace Property and Casualty Insurance CompanyA++$160.00$123.00n/a$222.92
Manhattan Life Assurance CompanyB++$163.50$134.75n/a$218.42
American Home Life Insurance CompanyB++$167.07$124.93n/a$214.58
United World Life Insurance CompanyA+$169.69$137.89n/a$306.42
Medico Corp Insurance Company (Preferred)A$172.39$133.89n/a$208.71
Aetna Health and Life Insurance CompanyA$172.93$159.35n/a$243.82
SBLI USA Life Insurance Company, Inc (Prosperity) (Preferred)A-$172.94$128.23n/a$214.66
Lumico Life Insurance CompanyA$180.17$142.67n/a$261.25
Elips Life Insurance CompanyA$184.25$152.33n/a$246.17
Allstate Health SolutionsA+$211.35$163.70n/a$272.40
Humana Insurance CompanyA-$211.89$158.27$106.72$277.04
Cigna Health & Life Insurance CompanyA$224.15$171.37n/a$323.06
Accendo Insurance CompanyA$234.99$142.36n/a$266.73
United American Insurance CompanyA$252.00$204.00n/a$284.00
GPM Health and Life Insurance CompanyA-$296.51$250.19n/a$376.73
Assured Life AssociationNR$320.81$265.32n/a$422.75

What Does the Medigap Anniversary Rule Mean in Missouri?

In Missouri, the Medigap Anniversary Rule permits policyholders to change their Medigap insurance provider without undergoing medical underwriting.

This can be done within a sixty-day period that surrounds the policy anniversary date. This period lasts for thirty days before and after the anniversary date.

It is important to note that you can only switch to another provider offering the same plan letter as your current plan. For instance, you can only switch to a different provider offering Plan G if you are currently enrolled in Plan G.

When Can I Apply for a Missouri Medigap Plan?

When you turn 65 and enroll in Medicare Part B, you can apply for a Medicare Supplement plan in Missouri. Purchasing a Medigap plan during your Open Enrollment Period ensures that your health history won’t impact the price.

However, if you buy a policy after this period, insurers may consider preexisting conditions during medical underwriting, resulting in a higher cost.

It’s important to note that the Medicare Supplement plan deadline differs from the Open Enrollment Period for Medicare Advantage (Plan C) plans.

Support for Next Steps

Our focus is on helping Medicare beneficiaries navigate their Medicare insurance options. We collaborate with some of the country’s highly-rated Medigap carriers to guarantee that you receive excellent service.

You can also contact us today to learn more or ask for a quote online.

Frequently Asked Questions:

What is the cost of Medicare Supplement plans in Missouri?

Medicare Supplement plans range from $50 to $350 per month. However, the cost of Medicare Supplement plans in Missouri can vary depending on the plan chosen and the provider.

Who is the best Medicare Supplement provider in Missouri?

Cigna and Anthem Blue Cross and Blue Shield are two of the more popular providers in the state, offering a wide range of supplemental plans to suit different budgets, conditions, and preferences.

How much is Plan G in Missouri?

The average premium for Plan G in Missouri is $154-$320 per month, but premiums can vary depending on the provider and location.

Article Resources:

Average quotes are for sample purposes only. Actual premiums are based on several factors, including health conditions, age, location, tobacco status, gender, and insurance provider.

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. In addition, his expertise is unmatched - having helped thousands of Medicare beneficiaries choose suitable healthcare plans for themselves - making him stand out above competitors.