Best Medicare Supplement Plans in Missouri

If you’re a Medicare beneficiary in Missouri, you should learn about the Medicare Supplement plans called Medigap policies. You have ten different plans; however, Medicare Supplement Plan G is the best plan in Missouri, and Plan N is a close second.

We found Aetna offers the best rates on Plan G in Missouri; rates start at $183 per month.

Based on our findings, Aetna offers the best rates on Plan N, coming in at $164 per month.

What Do Medicare Supplement Plans Cover?

Below is a list of the top four plans with coverage highlights:

Medicare Supplement Insurance Plan G

  • For Missouri Medicare beneficiaries who became eligible for Medicare after January 1, 2020, Plan G offers the most similar benefits to Plan F. Like Plan F, Plan G covers copays, coinsurance, and deductibles. However, it does not cover the Medicare Plan B deductible. As a result, in 2023, you will be charged $226 for your Part B deductible.

Medicare Supplement Insurance Plan N

  • With Medicare Plan N, you pay lower premiums but more out-of-pocket costs.
  • 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 $2,700 in 2023 before the plan pays your Medicare out-of-pocket.

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.

Based on our review of several key factors, Aetna is Missouri’s top Medicare Supplement company.

Although Aetna Medigap plans may provide some of the most affordable options in Missouri, cost should not be the only factor when selecting a Medicare Supplement provider. Every company has its unique pros and cons based on its coverage methods.

Aetna stands out among the competition due to its cost-effectiveness, numerous plan options, household discounts on premiums, and excellent customer satisfaction ratings.

This chart compares Aetna with other Medicare Supplement companies in Missouri. You’ll find helpful information here, like sample premiums and ratings.

Plan G CostCompanyFinancial Strength
$183 Aetna A
$190 Mutual of OmahaA+
$254 CignaA
65 y/o male, nonsmoker
Plan N CostCompanyFinancial Strength
$165Mutual of OmahaA+
65 y/o male, nonsmoker

When Can I Apply for a Medicare Supplement Plan?

You can apply for a Missouri Medicare Supplement plan the month you turn 65 and have enrolled in Medicare Part B. If you buy a Medigap when you’re first eligible, the price does not change based on your health history.

After the initial enrollment period, you can still buy a Medigap policy. The difference is that insurers can consider preexisting conditions in their medical underwriting, so the policy will likely be more expensive.

The Medicare supplement plan deadline differs from the open enrollment period that applies to Medicare Advantage (Plan C) plans. Our licensed insurance agents at Policy Guide can explain all the essential Medicare deadlines.

How to Choose a Medigap Plan in Missouri

As you compare plans available in your area, consider these factors:

Monthly premium: This is paid in addition to your Part B monthly premium. It is a set amount you pay each month, regardless of whether or not you use your benefits. The premium costs are determined based on several factors, such as the type of plan selected, age, gender, tobacco use, and state of residence.

Plan options: With every type of plan, you are offered basic coverage for Part A copays and coinsurance, at least a portion of the Part B copays and coinsurance, three pints of blood, and hospice care. However, other benefits may not be included. Check which benefits are most important to you before finalizing your purchase.

Insurance provider: Always check the ratings and reviews to understand other people’s experiences when looking for a carrier. You can also contact a company representative to discuss their customer service levels and responsiveness.

Extra discounts: Some insurance companies offer additional benefits or discounts once you become a member. For example, you may have access to discounted hearing aid providers or eyeglass suppliers.

Frequently Asked Questions:

What Is the Cost of Medicare Supplement Plans in Missouri?

Medicare Supplement plans range from $50 to $300 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 Aetna 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 $183-$254 per month, but premiums can vary depending on the provider and location.

Next Steps

We specialize in guiding Medicare beneficiaries through their Medicare insurance options. We work with some of the nation’s top-rated Medigap carriers to ensure you’re getting the best possible service. Review our Medicare Supplement Plans Comparison Chart and look deeper at the plans. Additionally, you can call us today to learn more or request a quote online.

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.