Medicare Advantage Plans, called Medicare Part C, are bundled plans that have been designed to be an all-in-one alternative to Original Medicare by providing the same coverage as Parts A and B. These plans frequently include additional benefits, like prescription drug coverage and may even provide benefits Original Medicare doesn’t offer, such as hearing, vision and dental.

Medicare Advantage Plans are offered by private insurance companies, which means the coverage, costs and additional benefits offered can vary from plan to plan. Plans also vary by location, so it’s important to research the plan options available in your area to ensure you get the best Missouri Medicare Advantage Plan available.

Medicare Advantage Plans in Missouri

Compare ratings of insurance companies offering Medicare Advantage Plans in Missouri:

Insurance company Medicare rating AM Best rating BBB rating NCQA rating J.D. Power ranking
Aetna 4 stars A A+ 2.5 to 4.5 stars Fifth out of 10
Anthem Blue Cross Blue Shield 4 to 4.5 stars A+ A+ Not rated Sixth out of 10
Cigna 4 stars A- Not rated 2.5 to 4.5 stars Seventh out of 10
Humana 4 stars A- A+ 1.5 to 4.5 stars Third out of 10
UnitedHealthcare 3.5 stars A- A- 4 stars Fourth out of 10

What You Should Know About Medicare Advantage Plans in Missouri

  • In 2022, there are 126 Medicare Advantage plans available in Missouri, compared to 122 plans in 2021.
  • 100% of Medicare beneficiaries have access to a zero premium Medicare Advantage plan in 2022.
  • The average Medicare Advantage monthly premium in 2022 is $8.04, a slight increase from 2021.
  • Through the CMS Innovation Center’s Value-Based Insurance Design (VBID) Model, 21 plans will offer Medicare Advantage enrollees eliminated Part D cost-sharing; rewards and incentives programs related to healthy behaviors; and customized, innovative benefits that address social determinants of health, such as food insecurity and social isolation, for certain underserved and/or chronically ill enrollees.

Is Medicare Advantage Right for You?

You have choices in Medicare coverage. While you can opt to stick with Original Medicare, a Medicare Advantage Plan – also known as Part C – may be a better alternative for you.

Original Medicare Medicare Advantage Plans
Original Medicare covers your Part A hospital insurance and Part B medical insurance. Medicare Advantage Plans combine Part A, Part B, and additional benefits.
You can add Part D prescription drug coverage. Prescription drug coverage is usually included.
You’re able to use any medical provider in the U.S. that accepts Medicare. You’ll usually need to use doctors in your plan’s network.
You can buy supplemental coverage to manage out-of-pocket costs, including your coinsurance. Your Medicare Advantage Plan may have lower out-of-pocket costs than Original Medicare.
Vision, hearing, dental, and other benefits aren’t covered. Your plan may offer additional benefits, including vision, hearing, and dental.
Note:

  • You can’t have both a Medicare Advantage Plan and a Medicare Supplement Plan.
  • You must be enrolled in Medicare Parts A and B to join a Medicare Advantage Plan.

What’s covered with a Medicare Advantage Plan?

Medicare Advantage Plans cover benefits from Original Medicare Part A (hospital insurance), Part B (medical insurance), usually Part D (prescription drug coverage), and sometimes additional benefits that Original Medicare doesn’t cover. Each Medicare Advantage Plan insurer sets the rules about how you receive and pay for these benefits.

Hospital and skilled nursing facility inpatient care Home health care Prescription drug coverage (if included in your plan)
Medically necessary outpatient services, such as:

  • Doctor’s visits
  • Ambulance services
  • Emergency and urgent care
  • Durable medical equipment (DME)
  • Mental health care
  • Prescription drugs that you cannot self-administer
  • X-rays
  • Laboratory tests
Preventive services, such as:

  • Vaccinations
  • Cancer screenings
  • Diabetes screenings
  • Depression screenings
Additional benefits (depending on your plan), such as:

  • Routine vision exams with allowance for glasses
  • Routine dental exams
  • Hearing exams with allowance for hearing aids
  • Fitness and wellness programs and discounts
  • Transportation to medically necessary care
  • Over-the-counter (OTC) drugs

How to Compare Medicare Advantage Plans in Missouri

With 126 Medicare Advantage Plans available in Missouri, you likely have several options in your area. To help you choose the best plan for you, consider what is most important to you before selecting a plan. There are several factors to keep in mind:

  • Monthly premium: This is how much you pay for coverage monthly, regardless of the care you receive. You may need to pay your plan’s premium in addition to the Medicare Part B premium, although some plans have $0 premiums or help pay for your Part B premium.
  • Plan network: You may need to use doctors and providers who are within a plan’s network. Before choosing a Medicare Advantage Plan, think about the doctors and facilities (including pharmacies) you prefer to use, then check if the plan offers coverage at those locations. Some plans may provide out-of-network coverage, but this usually comes at a higher cost.
  • Deductible: Your deductible is the amount you must pay before your insurance plan starts helping cover the costs. Medicare Advantage Plans set their deductibles, and these may change only once per year on January 1.
  • Copayments and coinsurance: Copayments or coinsurance are how much you pay for each service or doctor’s visit, such as $20 per doctor visit. Each Medicare Advantage Plan sets its copayment or coinsurance amount that can differ from what you would pay through Original Medicare.
  • Out-of-pocket maximum: Each Medicare Advantage Plan sets a yearly limit on the maximum amount you’d be responsible for paying for services covered by Medicare. Once you reach this limit, you won’t have to pay anything for the services you receive covered by Part A and Part B in that year.
  • Additional coverage: Most Medicare Advantage Plans also provide prescription drug coverage and often include additional benefits that Original Medicare won’t cover, such as vision, dental, and hearing. Plans may provide even more benefits, like discounted gym membership or transportation to doctor’s visits. Medicare Advantage Plans can also tailor their benefits to the specific needs of particular chronically ill beneficiaries.

About Medicare Advantage Plans in Missouri

With 126 Medicare Advantage Plans available as of 2022, Missouri residents have many plans to choose from. The available options include:

  • Local HMO plans
  • Local PPO plans
  • Regional PPO plans
  • PFFS plans
Number of Medicare Advantage Plans available Medicare Advantage Plan types available Medicare Advantage Plans rated 3.5 or higher by NCQA
126
  • Local HMO
  • Local PPO
  • Regional PPO
  • PFFS
  • Aetna PPO
  • Essence HMO
  • Sierra PPO
  • Aetna HMO
  • CHA HMO
  • Coventry Health HMO/POS
  • Humana PPO
  • UnitedHealthcare HMO/POS
  • UnitedHealthcare PPO

Types of Medicare Advantage Plans in Missouri

In Missouri, the most common Medicare Advantage plans available are HMOs or PPOs, although there are also a few SNPs and regional PFFS plans available. Seniors eligible for Medicare may choose from plans provided by multiple private insurers, although the choices available vary by county.

HMOs

HMOs typically require that you receive all services from in network providers:

  • You must have a primary care physician (PCP), referrals for specialists, and prior authorizations for treatments and some prescriptions.
  • Drug coverage usually is included. You aren’t able to purchase standalone drug coverage.
  • Lower costs if you stay in network.
PPOs

PPOs include a preferred network of providers, but you have the option of choosing doctors or hospitals from outside of the network for a higher cost.

  • You don’t need to choose a primary care doctor or referrals for specialists.
  • Drug coverage is usually included.
  • You aren’t able to purchase stand-alone drug coverage.
  • Higher premium and out-of-network costs.
PFFS Plans

PFFS plans don’t require a primary care physician or referrals for specialists:

  • You can go to any Medicare-approved health care provider or facility that accepts the plan’s payment terms and agrees to treat you.
  • May include drug coverage, or you can purchase a standalone drug plan.
  • Higher cost if you choose a provider that doesn’t agree to the plan’s terms.
SNPs

SNPs are only for people with specific conditions and characteristics, and include care coordination and targeted benefits tailored to meet your specific needs:

  • You need a PCP and referrals to specialists.
  • Drug coverage is always included.
  • If you’re eligible, you can join an SNP at any time.

Enrollment and Eligibility for Medicare Advantage Plans in Missouri

You’re eligible for Medicare when you turn 65 or if you’re younger and have a qualifying disability. A qualifying disability means at least one of the following applies:

  • You’ve received Social Security Disability Insurance or Railroad Board Disability Annuity for 24 months
  • You have Amyotrophic Lateral Sclerosis (ALS), also known as Lou Gehrig’s disease
  • You have End-Stage Renal Disease

When you become eligible for Medicare, you are also eligible for Medicare Advantage Plans. There are specific times of the year when you can enroll for the first time in a Medicare Advantage Plan: during your Initial Enrollment Period and the Open Enrollment Period.

  • Your IEP begins three months before the month you turn 65 and extends for three months after the month you turn 65. During this period, you can enroll in a Medicare Advantage Plan. If you join before the month you turn 65, your coverage will begin the first day of the month you turn 65. If you enroll in the three months after turning 65, your coverage will begin the first day of the month after you enroll.
  • If you miss your IEP, you can sign up for Medicare during the General Enrollment Period from January 1 to March 31.
  • After you enroll in Medicare, you can enroll in or make changes to your Medicare Advantage Plan coverage during the Medicare OEP from October 15 and December 7 of each year. During this time, you can change from Original Medicare to Medicare Advantage, switch to a different Medicare Advantage Plan, or change from Medicare Advantage back to Original Medicare.

Medicare Advantage Open Enrollment occurs between January 1 and March 31 of each year. This period is only for beneficiaries already in a Medicare Advantage Plan, and you can change plans or switch to Original Medicare. You cannot switch from Original Medicare to Medicare Advantage during Medicare Advantage Open Enrollment.

There are exceptions to these enrollment periods called Special Enrollment Periods. Certain events or circumstances may make you eligible to change your Medicare Advantage Plan outside of the open enrollment periods, such as if you move outside of your existing plan’s service area or to a location with new plan options you didn’t have before. If you think you may qualify for a Special Enrollment Period, call 1-800-MEDICARE and explain your situation.

Medicare Enrollment Periods

Enrollment period When it happens Medicare plans you can choose What you can do
Initial Enrollment Period Three months before you turn 65, the month you turn 65, and three months after Medicare Part A, Part B, Part D, Medigap, or Medicare Advantage Plan Sign up for Medicare Part A and Part B. Complete your Part B enrollment to avoid a late enrollment penalty.
General Enrollment Period January 1 – March 31 Medicare Part A, Part B, Part D, Medigap, or Medicare Advantage Plan. If you enroll in Medicare during this period, your MAP enrollment is April through June. Sign up for Medicare if you missed your IEP
Open Enrollment Period October 15 – December 7 Medicare Part A, Part B, Part D, Medigap, or Medicare Advantage Plan Join, switch, or drop a plan
Medicare Advantage Open Enrollment Period January 1 – March 31 Medicare Part A, Part B, Part D, Medigap, or Medicare Advantage Plan If you’re enrolled in a Medicare Advantage Plan, you can change your plan or switch to Original Medicare
Special Enrollment Period When you have a qualifying event Medicare Part A, Part B, Part D, Medigap, or Medicare Advantage Plan Make changes to your plan

Missouri Medicare Advantage Plans With Prescription Drug Coverage

Most Medicare Advantage HMO and PPO plans and all SNP plans provide prescription drug coverage like you would get from Medicare Part D. Some PFFS plans may provide prescription drug coverage, but not all do. Evaluate a plan’s prescription drug coverage when deciding which Missouri Medicare Advantage Plan to use.

Prescription drug coverage may vary by cost, coverage, and convenience among Medicare Advantage Plans. Your monthly premium may include a premium for the drug coverage in the plan. There is usually a copayment or coinsurance amount that you have to pay for each prescription after you reach your annual deductible.

Some plans use different cost tiers with different costs for different drugs. For instance, you may pay less for generic drugs than brand-name drugs or less for brand-name drugs within different tiers. If your plan uses tiers, the formulary will list all covered drugs and their tiers. Verify your preferred or local pharmacies are included in the plan’s network.

Getting Help with Medicare Advantage Plans

Missouri-wide Medicare Advantage Resources
Resource Contact How they help
Financial Help for Missouri Medicare Enrollees Phone: 844-309-3504 This page explains how Missouri’s regulations and policies are likely to affect your bottom line
Healthinsurance.org | Medicare in Missouri Phone: 619-367-6947 This page can help you find a Medicaid plan that works best for you in your area
Missouri Consumer Assistance N/A A federal government website managed and paid for by the U.S. Centers for Medicare & Medicaid Services
Missouri Department of Health & Senior Services Phone: 573-751-6400

email: [email protected]

The Missouri Department of Health & Senior Servives strives to be the leader in promoting, protecting and partnering for health
Missouri Department of Social Services Phone: 800-735-2966 The Missouri Department of Social Services is responsible for coordinating programs to provide public assistance, health care coverage, child welfare services, and specialized assistance to troubled youth
Missouri Insurance Department Phone: 573-751-4126

email: [email protected]

The Missouri Insurance Department protects policyholders and serves the greater public interest through the effective regulation of the U.S. insurance marketplace
Missouri Medicaid Audit & Compliance Phone: 573 751-3399 MMAC is responsible for administering and managing Medicaid (Title XIX) audit and compliance initiatives and managing and administering provider enrollment contracts under the Medicaid program
Missouri Senior Medicare Patrol Project Phone: 888-515-6565 The mission of the Missouri Senior Medicare Patrol Project is to empower and assist Medicare beneficiaries to prevent, detect, and report healthcare fraud, errors, and abuse through outreach, counseling, and education
Missouri State Pharmacy Assistance Program (MORx) N/A MORx is Missouri’s State Pharmacy Assistance Program
Local Medicare Advantage Resources
Resource Contact How they help
Christian County Health Department N/A A guide to Medicare resources in Christian county
Clay County Public Health Center Phone: 816-595-4200 The Clay County Public Health Center is a local public health department created in 1953 to protect the health of all people in the county by implementing population based prevention programs and services
Clay County Senior Services Phone: 816-455-4800

email: [email protected]

Clay County Senior Services supports and values the well being of senior adults by serving as the resource delivery agency and providing a broad range of services to promote wellness — physical, emotional, and intellectual
Kansas City Health Department Phone: 816-513-6008

email: [email protected]

The Kansas City, Missouri Health Department (KCHD) addresses core public health needs and the root causes of diseases to increase the health, wellbeing, and longevity of everyone in the region
Missouri Directory of Local Public Health Agencies Phone: 573-751-6170

email: [email protected]

This site is a helpful directory of local public health agencies in Missouri
Springfield Health Department Phone: 417-864-1658 The Springfield Health Department seeks to protect and improve their community’s health through

education, collaboration, and prevention

St. Louis Health Department Phone: (314) 612-5100

email: [email protected]

The Department of Health is responsible for the health and safety of the community of St. Lewis
Taney County Health Department Phone: 888-707-4725 (Forsyth office)

Phone: 888-294-9530 (Branson office)

TCHD proudly serves Taney County through a variety of health, wellness, and safety programs
Federal Medicare Advantage Resources
Resource Contact How they help
CMS Medicare Managed Care Appeals & Grievances N/A Provided by the CMS, this page provides information related to dealing with Medicare managed care plan grievances and appeals
CMS Medicare Managed Care Eligibility and Enrollment N/A Provided by the Centers for Medicare & Medicaid Services (CMS), this page offers information for contacting MAP organizations plus other health plans and related aspects to Medicare health plan enrollment
CMS Medicare Prescription Drug Eligibility and Enrollment N/A Provided by the CMS, this page details prescription drug eligibility and enrollment as it relates to MAP
Medicare.gov Phone: 800-633-4227 The homepage for the main Medicare website for the U.S
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Insurance and health care consultant

Tammy Burns is an experienced health insurance advisor. She earned her nursing degree in 1990 from Jacksonville State University, obtained her insurance billing and coding certification in 1995, and holds a health and life insurance license in Alabama, Georgia, Iowa, Mississippi, and Tennessee. Burns is Affordable Care Act (ACA)-certified for health insurance and other ancillary, life, and annuity products. She maintains an active nursing license and practices private-duty nursing.

Burns’ background as a nurse, insurance biller and coder, and insurance consultant includes infectious disease, oncology, gynecology, phlebotomy, post operative, family medicine, geriatrics, home health, hospice, human resources, management, billing, coding, claims, fixed annuities, group and individual health and life products, and Medicare. She’s always been driven by a desire to help people, spending more than 25 years as a practicing nurse in hospitals, private doctors’ offices, home health, and hospice. As a nurse, Burns supported patients filing insurance claims with Medicare, Medicaid, and private insurance companies as well as responding to billing questions from confused patients.

Seeing firsthand how unsuspecting patients are frequently confused by an overly complex system they don’t understand led Burns to become an insurance agent and health care consultant, now helping people understand the medical system. Since becoming an insurance agent in 2013, she has worked with some of the largest and most reputable insurance carriers and agencies in the nation, and she has built a large and loyal clientele by way of her commitment to transparency and personalized service.

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