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Best Medicare Supplement Plans in Missouri 2021

For many Missouri Medicare beneficiaries, Medicare Supplement plans in Missouri provide peace of mind when it comes to health care costs. Because your Medicare coverage doesn’t pay 100% of your medical expenses, you will have to pay some out-of-pocket costs. A Medicare Supplement plan in Missouri reduce the amount you have to pay and protect you against unexpected or large health care bills.

What are the Top 5 Medicare Supplement Plans in Missouri?

Each Medigap insurance policy is designated by a letter: Medicare Plan N, Plan K, etc. Here are Missouri’s top five.

1. Best for full coverage: Plan F

  • Plan F offers the richest and “fullest” coverage
  • Effective date for Medicare coverage must be before Jan. 1, 2020

2. Best comprehensive coverage: Best Plan G

  • Plan G pays everything Plan F does except for Part B deductible
  • Best coverage for those whose effective date for Medicare is after Jan. 1, 2020
  • Offers cost savings compared to Plan F for those eligible for either plan

3. Best value: Plan N

  • Plan N offers strong valued coverage
  • Reduced premiums in exchange for $20 office and $50 copayments
  • ER copay waived if admitted

4. Best deductible plan: High Deductible Plan F

  • Beneficiaries pay annual deductible of $2,370 before coverage starts
  • Only available to Medicare beneficiaries who turn 65 before Jan. 1, 2020

5. Best for lowest premiums: High Deductible Plan G

  • Yearly deductible of $2,370 before coverage starts
  • Covers everything Medicare Plan G covers

What is the Best Supplemental Insurance to go with Medicare?

Missourians need different Medicare Supplement coverage levels based on their health conditions, so there’s no one-size-fits-all plan. You’ll have to compare plans, but this will get you started.

What is the most popular Medicare Supplement plan in Missouri for 2021?

Now that Medicare Plan F is not available to those who qualify for Medicare after Jan. 1, 2020, Plan N and Plan G are becoming the most popular.

Which plan has the best benefits?

Plan F offers the broadest coverage, but it is only available for those on Medicare prior to Jan 1, 2020. For those eligible after Jan. 1, 2020, Plan G is the most comprehensive. It pays everything except the Part B deductible.

How do I choose the best plan?

Any of our licensed insurance agents can help you navigate through your plan options, but answering these questions will get you started:

  • How often do you go to the doctor?
  • Do you want the freedom to see any provider?
  • Do you travel a lot?
  • What can you afford in monthly premiums?

Which company offers the best rates?

Pricing for Medicare Supplement plans in Missouri vary based on several factors:

  • Enrollment date
  • Zip code
  • Gender
  • Tobacco use
  • Age

Each Medicare insurance company treats age differently when calculating its rates:

  • Issue-age: premium is based on your age when you join
  • Attained-age: premium is based on your actual age each year
  • Community-rated: premium is the same for everyone in the same area

Most Medicare Supplement insurance plans in Missouri are issue-age.

What is the Average Cost for a Medicare Supplement Plan in Missouri for 2021?

The average cost for a Medicare Supplement plan in Missouri is $179 for a 65-year-old nonsmoking female. Here’s how Plans F, G, and N compare for Mount Vernon (Lawrence County zip code 65712):

  • Plan F: $233 average ($174-$323)
  • Plan G: $160 average ($126-$233)
  • Plan N: $143 average ($110-$181)

Common Missouri Medicare Supplement Plan Questions

What Companies Sell Medigap Plans in Missouri?

Many private insurance companies sell Medicare Supplement plans in Missouri. To help you narrow it down, the following carriers rank high in financial stability, claims payment, and modest premium increases:

  • CIGNA (Best Overall Value)
  • Mutual of Omaha (Best for Claims Paid)
  • Aetna (Best Customer Service)

When Can I Apply for a Missouri Medicare Supplement Plan?

Medicare Supplement plans in Missouri have a Medigap Open Enrollment Period. Your OEP is a six-month period that starts when your Part B takes effect. Enrolling during your OEP is the best time because you have guaranteed issue rights:

  • Guaranteed coverage, including for pre-existing conditions
  • No waiting periods
  • Insurer cannot charge more based on health conditions

As long as you renew your current plan each year, insurers cannot refuse you coverage.

Anniversary Rule

In many states, if beneficiaries change companies or plans after their OEP, insurers can refuse coverage or charge higher premiums. In Missouri, the Missouri Medicare Supplement Anniversary Guaranteed Issue Rule allows you to change companies or plans once a year. You have a 30-day window before and after the effective date of your insurance policy (60 days total). Here’s how it works:

  • Change carriers, keep the same plan: new insurer cannot refuse coverage or impose a waiting period for pre-existing conditions
  • Switch plans, less coverage: might or might not be subject to underwriting
  • Change plans, greater coverage: underwriting likely, insurers can deny coverage or impose waiting period for pre-existing health conditions

Disabled Missourians

Any Missourian under age 65 eligible for Social Security can join a Medicare Supplement insurance plan in Missouri with guaranteed issue rights.

  • Must be enrolled in Original Medicare
  • Premiums might be different from Missourians who age into Medicare.
  • When they turn 65, they have a second OEP with the same rights as others newly eligible for Medigap insurance.

You have guaranteed rights in a few other situations. Our licensed insurance agents can provide guidance if you have questions about your eligibility for Medigap insurance

Which is better, Medigap Plan G or Plan N?

Which Medigap plan is better depends on your situation. Here’s how they stack up.

Plan G:

  • Most comprehensive for those with Medicare effective date starting Jan. 1, 2020
  • Pays Medicare Part A deductible and coinsurance
  • 100% of Part B coinsurance
  • Foreign travel emergency up to plan limits
  • Part B excess charges

Plan N:

  • Lower premiums, higher cost-share
  • $20 office and $50 ER copayments
  • Pays Part A deductible and coinsurance
  • Part B coinsurance after copays
  • Foreign travel emergency up to plan limits
  • Does not pay excess charges

Neither plan covers medications, so if you want prescription drug coverage, you’ll have to buy a Medicare Part D plan.

What is Medicare Supplement Insurance?

The federal Medicare program offers good health care coverage, but for many Missouri seniors, it’s not enough. Medicare Supplement insurance plans help minimize the impact of out-of-pocket costs such as copayments, deductibles, and coinsurance.

You can only buy a Medicare Supplement insurance plan, also called Medigap insurance, if you receive your Medicare benefits through Original Medicare:

  • Medicare Part A (hospital)
  • Medicare Part B (doctor/outpatient)

Eligibility for a Medicare Supplement plan in Missouri begins when:

  • You turn 65 and
  • You’re enrolled in Part B

All Medigap plans offer identical basic benefits. Some plan options include additional coverage. No Medicare Supplement insurance plan will cover the following:

  • Dental, hearing, or vision
  • Long-term care
  • Prescription medication (Part D)

Medicare beneficiaries who want prescription drug coverage must buy a Medicare Part D plan. Most private health insurance companies that sell Medigap policies also sell a prescription drug plan.

Is Plan G the Best Medigap Plan in Missouri?

How Much Does it Cost?

Here’s a comparison for a 65-year-old female who does not smoke:

  • St. Charles/Saint Charles County 63301
    $180 average $149-$251 range
  • Mount Vernon/Lawrence County 65712
    $160 average $126-$233 range

What is the Plan G Deductible in 2021?

Plan G does not have a yearly deductible. You must, however, pay your Medicare Part B deductible of $203

What does Medigap Plan G Cover in Missouri?

Related Topics

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 process of plan selection. We work closely with some of the nations 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 or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Missouri Medicare Resources

State Links

https://insurance.mo.gov/seniors/srmedigap.php

https://boomerbenefits.com/compare-medicare-plans-and-prices/states/missouri-medicare-plans/

Missouri Enrollment Statistics

Here is a list of the top five largest counties in Missouri:

1 St. Louis County Population: 999,539
2 Jackson County Population: 688,554
3 St. Charles County Population: 385,115
4 Greene County Population: 286,759
5 Clay County Population: 236,068

In 2017, more than 795,000 Missouri residents were enrolled in Parts A and B, Part A or Part B. In 2015, 306,191 residents of Missouri had additional coverage provided by Medigap policies. In 2015, 208,442 Missouri residents with Medigap plans were covered by Medicare Plan F. Approximately 68 percent of Medicare beneficiaries were covered by Medigap insurance plans in Missouri in 2015.

Key Take Aways
  • In Missouri, Medicare Supplement Plan G is the most popular plan for 2021.
  • There are 10 Medicare Supplement Plans in Missouri to choose from.
  • Medicare Supplement plans do not use a network, go wherever Original Medicare is excepted.
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