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 to choose from; however, Medicare Supplement Plan G is the best plan in Missouri, and Plan N is a close second.

We found Mutual of Omaha offers the best rates on Plan G in Missouri; on average, rates are $182.00 per month.

Based on our findings, Mutual of Omaha offers the best rates on Plan N, coming in at $165.00 per month.

Medicare Supplement Insurance Plan options in Missouri

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. With Plan N, you will get coverage for:

  • Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • One hundred percent of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
  • First three pints of blood
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • 80 percent of foreign travel exchange up to plan limits

Plan N does not cover the Part B deductible or excess charges.

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. The difference is that Plan G does not cover the Medicare Part B deductible.

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. The advantage Plan F has over other Medigap plans is that it covers Medicare Part B deductible payments. Plan F comes with the highest premiums when comparing Medigap policies.

Top-rated Medicare Supplement Insurance Companies in Missouri

Many private insurers offer Medigap plans in Missouri.

Here are three of the most popular:

1. Cigna 

This well-established insurance provider has a long history of providing exceptional customer service. According to a J.D. Powers survey, with a global customer base of 15 million, Cigna has been recognized as one of the highest-rated health insurance companies for customer satisfaction. In 2023, Cigna received a five-star rating from Medicare, the highest star rating possible.

2. Aetna

Aetna Medicare Supplement plans allow customers to access great doctors while lowering patient costs. Medicare recipients consider the company among the ten best Medicare Supplemental insurance companies for the health plans available in the marketplace. In 2023, Aetna has an overall weighted average of 4.0 out of 5.0 stars from Medicare.

3. Mutual of Omaha

Mutual of Omaha was one of the first companies to offer Medicare supplement plans. The insurance company has been recognized as an innovative provider in the Medigap plan market for over five decades. Mutual of Omaha has an outstanding reputation for offering competitive rates and a fast, electronic application process. In 2023, Mutual of Omaha received 2.5 stars out of a 5-star rating.

How Much Does Medicare Supplement Insurance Cost in Missouri?

On average, a Medicare Supplement Plan in Missouri costs around $185.00 per month, but rates can vary depending on the Insurer.

Here are the averages for three Medicare supplement insurance plans for a 65-year-old, nonsmoking female:

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

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 take preexisting conditions into account 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 important Medicare deadlines.

Missouri Enrollment Resources

  • The Missouri State Health Insurance Assistance Program (SHIP) is free for any Missouri Medicare beneficiary and their caregivers. Funded by CMS, it provides information about Medicare Supplement insurance plans, such as deductibles and rates.
  • Medicare.gov is the official website for the federal Medicare program and is an excellent resource for learning more about Medicare coverage.

Ready To Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the plan selection process. We work closely with some of the nation’s top-rated carriers, such as Aetna, Cigna, and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

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. His expertise is unmatched - having helped thousands of Medicare beneficiaries personally choose suitable healthcare plans for themselves - making him stand out above other competitors.