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2020-2021 Medicare Missouri

If you live in Missouri and are aged 65 or soon will be, it’s time to start learning about your Medicare options.

Whether still employed or enjoying retirement, it’s important to understand how you can get the most out of the Medicare program before it’s too late. Remember, you’ve been paying into your Medicare fund your entire working life. It’s finally time to start enjoying the benefits.

You won’t automatically be enrolled in a Medicare plan; it’s up to you to follow the necessary steps to get coverage. Delaying the process only leaves you susceptible to avoidable charges.

So, while the switch to a new healthcare system might seem daunting, Medicare is here to save you money. Read on as our experts explore Medicare Supplement Insurance and Medicare Advantage plans in Missouri.

Overview of Medicare in Missouri

  • Missouri has more than 1.2 million Medicare beneficiaries.
  • Close to 800,000 are enrolled in Original Medicare Part A and/or Part B.
  • Just over 400,000 are enrolled in Medicare Advantage plans.
  • Over 900,000 Medicare beneficiaries enrolled in Medicare Prescription Drug Plans.

Medicare Supplement Insurance in Missouri

Original Medicare is made up of two parts: Medicare Part A and Medicare Part B. Original Medicare provides coverage for and access to doctors, hospitals, or other health care providers.

Plan holders can improve Original Medicare coverage with Medicare Supplemental plans. Supplemental plans (also known as Medigap plans) cover a portion of the out-of-pocket costs, including deductibles, copayments, coinsurance, and other costs.

Supplemental plans are available during the Medigap open enrollment window which begins when your Medicare Part B is effective and lasts for six months. In this window, no insurer can decline you for coverage for any health reasons.

Missouri Medigap Rates

In Missouri, insurers provide all ten different Medicare Supplement plans:

All plans are standardized, so each plan has the same benefits regardless of the provider. The benefits may remain the same, but costs and out-of-pocket expenses vary from company to company.

This makes shopping based on price easier, but it’s also important to be mindful of each company’s average rate increases. Doing so will ensure you will have a low rate for years to come.

Missouri Medicare Supplement Anniversary Rule

In most states, people don’t have an opportunity to switch Medigap plans after their initial enrollment window ends. However, the Missouri Medigap Anniversary Rule allows Medigap enrollees to switch plans every year.

So long as you are switching to a plan of the same letter (for example, Plan G to Plan G, but not Plan G to Plan F), you can do so 30 days before the plan anniversary date or 30 days after it.

Missouri Medicare Supplement Anniversary Rule Infographic


Medicare Advantage in Missouri

Medicare Advantage plans are an all-inclusive alternative to Original Medicare with Supplemental plans.

Medicare Advantage has the same coverage as Original Medicare but includes other services, such as vision and dental. Some Medicare Advantage plans also include prescription drug coverage (Part D).

Medicare Advantage plans are offered through private insurance companies that have a contract with Medicare. The benefits and costs of the plans vary by company and fluctuate between different Missouri counties.

Missouri Medicare Advantage with Prescription Drug Coverage

Unlike Original Medicare, prescription coverage is available directly through a Medicare Advantage Prescription Drug plan. With this plan, you can enjoy Medicare Part A, Part B, and Part D coverage under a single plan.

Before enrolling, check that your prescription is covered; covered prescription medication varies from plan to plan, so it’s important to double-check.

Comparing Missouri Medicare Advantage Plans

While Medicare Advantage plans may be similar in coverage, the premiums vary depending on the county you live in and other factors.

The best Medicare Advantage Plan for you might be completely different from someone else in Missouri. If you are considering enrolling in a Medicare Advantage Plan, take the time to compare and evaluate the different options available.

Missouri Medicare FAQ

Can I Change My Missouri Medigap Plan Outside My Anniversary Month?

You can apply to change Medigap plans at any time, but you will have to answer health questions if you do so out of the open enrollment window.

What is the Best Missouri Medigap Plan?

The best Missouri Medigap plan depends on your personal needs. It helps to compare all available plans and carriers based on rates, average rate increases, customer service, and other factors.

If you have any questions about your Missouri Medicare options, speak to one of our licensed agents today. Our agents will discuss your needs and help find a Medicare plan that works for you. Call us today at 1844-236-0228.

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