For many 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 can reduce the amount you have to pay and protect you against unexpected or large health care bills.
You can only buy called Medigap insurance, if you receive your Medicare benefits through Original Medicare:
- Medicare Part A (hospital)
- Medicare Part B (doctor/outpatient)
Eligibility for a plan in Missouri begins when:
- You turn 65 and
- You’re enrolled in Part B
All Medigap plans in MO 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)
What Medicare Supplement Plans are Available in Missouri?
1. Medigap Plan F: Best for “Full” coverage
As the most popular Missouri Medicare Supplement, Plan F deserves some consideration. It will help you fully maximize your Medicare coverage. Plan F offers the broadest coverage, but it is only available for those on Medicare prior to Jan 1, 2020. Of all of the Medigap insurance plan options, Plan F offers the most coverage, including:
- Hospital co-payments provided by Part A
- Surplus hospital costs for up to 365 days after Part A benefits are depleted
- Part A hospice care coinsurance costs
- Medicare Part A deductible
- Medicare Part B deductible
- Part B co-payment for a preventive doctor’s visit
- Part B coinsurance charges
- Additional costs under Part B
- Initial three pints of blood
- Skilled nursing facility co-payments for stays of longer duration
- Limited charges for medical emergencies while traveling in a foreign country
2. Medigap Plan G: Best for new to Medicare
Medigap Plan G in Missouri is the second most popular plan for people who want to enhance their Medicare benefits. If you don’t mind paying the Medicare Part B deductible yourself and if you’d like cheaper monthly premiums, it’s a plan worth considering.
- Most comprehensive for those with Medicare effective date starting Jan. 1, 2020 or later
- Pays Medicare Part A deductible and coinsurance
- 100% of Part B coinsurance
- Foreign travel emergency up to plan limits
- Part B excess charges
3. Medigap Plan N: Best Value
In Missouri, Medigap Plan N does not offer coverage for Part B excess charges or the Part B deductible.
- 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
4. Best for Lowest Premiums: High Deductible Plan G
- Calander year deductible for 2022 of $2,490 before coverage starts
- Covers everything Medicare Plan G covers
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?
When Can I Enroll in a Medicare Supplement Plan in Missouri?
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.
Missouri 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 insurers 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 a waiting period for pre-existing health conditions
Medigap under age 65 in Missouri
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
Average Cost of a Medicare Supplement Plan in Missouri?
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 Type||Premium Range|
Ready to learn more?
My Medigap Plans specializes 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. Compare our list of the 10 Best Medigap 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 Medigap Plan Quote.
Missouri Medicare Resources
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
More than 795,000 Missouri residents were enrolled in Parts A and B, Part A or Part B. Over 306,191 residents of Missouri had additional coverage provided by Medigap policies. More than 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 Missouri, Medicare Supplement Plan G is the most popular plan for 2022.
- Medigap plans help minimize the impact of out-of-pocket costs such as copayments, deductibles, and coinsurance.
- In Missouri, Medigap Plan N does not offer coverage for Part B excess charges or the Part B deductible.