Best Medicare Advantage Plans Missouri 2025

Seeking the best Medicare Advantage plans 2025 offers? Our website helps cut through the complexity to showcase plans likely to top the charts in cost-effectiveness, comprehensive benefits, and user satisfaction—equipping Missouri residents like you with the critical information to secure prime coverage.


Key Takeaways

  • In the past, Missouri has offered a variety of Medicare Advantage plans from providers like Aetna, Anthem, and Cigna, with average monthly premiums around $10 (2024), focusing on aspects like cost, coverage, and some plans even offering prescription drug benefits.


  • Medicare Advantage plans may include HMO and PPO options, possibly with specialized SNPs available for those with chronic conditions or specific health circumstances; plan choice should be guided by network coverage, flexibility, and individual healthcare needs.


  • Residents should be aware of enrollment periods, with initial enrollment starting three months before turning 65, and open enrollment from October 15 to December 7; star ratings and out-of-pocket costs are critical in selecting the best plan.

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Exploring the Top Medicare Advantage Plans in Missouri for 2025

If you reside in Missouri and are exploring your healthcare coverage options, knowing the top-performing Medicare Advantage plans is vital. To find the best Medicare Advantage plan to fit your needs, consider factors such as cost, coverage, and quality.


Medicare advantage plans in missouri 2025



Historically top-ranking plans include:

  • Aetna Medicare
  • Anthem
  • Blue Cross & Blue Shield
  • Cigna
  • Humana
  • UnitedHealthcare
  • Wellcare


Many of these plans will likely cater to cost-conscious beneficiaries, possibly offering essential benefits at a reduced expense. For those who rely on prescription medications, comprehensive drug coverage is a key consideration. For more information, consult our breakdown of Medicare prescription drug plan options that may include extensive prescription drug coverage.


Highlighting the Best Overall Medicare Advantage Plan

When aiming for the optimal overall Medicare Advantage plan for you, it’s necessary to weigh factors like the network coverage of your preferred doctors, hospitals, and pharmacies, the plan’s star rating, whether supplemental Medicare coverage is available, and the cost of the plan.

In Missouri, Aetna Medicare, Anthem, Blue Cross & Blue Shield, Cigna, Humana, UnitedHealthcare, and Wellcare are renowned for their comprehensive coverage, many of them offering extensive Medicare Advantage benefits to beneficiaries. In the past, the average premium cost for these top-rated plans has been $9.34 per month in 2024.


Identifying the Best Low-Cost Medicare Advantage Plan

When on the hunt for a budget-friendly Medicare Advantage plan, it’s important to take into account elements like:


  • Monthly premiums
  • Deductibles
  • Copayments
  • Maximum out-of-pocket expenses


Despite their affordability, many of these plans have historically offered essential benefits such as prescription drugs, dental, and vision coverage, as well as outpatient services.


Showcasing Plans with Comprehensive Prescription Drug Coverage

Prescription drug coverage is a major consideration for many beneficiaries.

The level of drug coverage is influenced by the plan’s formulary, which often categorizes medications into tiers or levels of coverage, each with a specific out-of-pocket cost.

In the past, the highest-rated plans in Missouri for comprehensive prescription drug coverage included plans from Aetna Medicare, Anthem, Blue Cross & Blue Shield, Cigna, Humana, UnitedHealthcare, and Wellcare.


Understanding Medicare Advantage Plan Types in Missouri

Missouri will likely offer a variety of Medicare Advantage plan types, each catering to specific healthcare needs and preferences.


Best medicare advantage plans in missouri



Historically, popular choices among Missouri Medicare Advantage plans have included:



Comparing HMO and PPO Options

HMO and PPO plans constitute two categories of Medicare Advantage plans. Many HMO plans typically feature reduced expenses and require members to designate a primary care physician (PCP).

Conversely, many PPO plans generally involve higher costs but often provide broader networks and increased flexibility in selecting healthcare providers.


Special Needs Plans (SNPs) Overview

Those eligible for Special Needs Plans (SNPs) in Missouri must meet the criteria for one of the SNP types, such as Dual Eligible, Chronic Condition, or Institutional SNPs.

These plans often provide customized benefits to address specific chronic conditions, which may include additional services like telehealth and personal emergency response systems.

Enrollment Insights: When and How to Sign Up for Medicare Advantage in Missouri

Enrollment in Medicare Advantage plans is a critical phase in securing your healthcare coverage. It requires being enrolled in Medicare Part A and Part B. The Medicare Advantage enrollment process can be initiated during the initial enrollment period (IEP).

In Missouri, the initial enrollment period aligns with the Medicare Annual Enrollment Period from October 15 to December 7 annually.


Navigating the Initial Enrollment Period

The initial enrollment period for Medicare Advantage Plans in Missouri is a seven-month window. It commences three months prior to turning 65 and concludes three months after the month of turning 65, including the month of turning 65 itself.

During this period, individuals can enroll in a Medicare Advantage plan.


Maximizing Benefits During Open Enrollment

The open enrollment period for Medicare Advantage plans, running from October 15 to December 7, allows you to reassess and tweak your Medicare Advantage plan. During this time, it’s important to evaluate your existing plan options, seek professional advice, and set up appointments as needed.

This structured approach ensures you are thoroughly informed about the available alternatives and can select the most suitable option for your healthcare requirements.


The Impact of Star Ratings on Choosing a Medicare Advantage Plan

Star ratings are a pivotal factor in selecting a Medicare Advantage plan. These ratings, ranging from 1 star, indicating poor performance, to 5 stars, indicating excellent performance, offer a snapshot of plan performance and quality.


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They serve as a useful guide in comparing the quality of Medicare health and drug plans available, empowering individuals to make well-informed decisions.


Decoding the Star Rating System

The star rating system assesses the quality and performance of Medicare Advantage plans. It takes into account significant performance indicators such as:


  • Annual flu vaccination rates
  • Diabetic eye exams
  • Overall healthcare quality ratings
  • The number of members choosing to leave the plan


Spotlight on High-Rated Plans in Missouri

High-rated plans are a testament to consistent performance and quality. In Missouri, Aetna Medicare, Anthem, Blue Cross & Blue Shield, Cigna, Humana, and UnitedHealthcare have consistently maintained high star ratings over recent years by offering a variety of benefits, including dental, vision, and hearing coverage, prescription drug coverage, concierge services, gym memberships, and occasionally medical transportation.


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Balancing Cost and Coverage: Analyzing Out-of-Pocket Expenses

Striking a balance between cost and coverage in a Medicare Advantage plan is a key factor to consider.

This process includes looking at plans with low maximum out-of-pocket costs and understanding how supplemental benefits can help manage costs while enhancing coverage.


Finding Plans with Low Maximum Out-of-Pocket Costs

Locating Medicare Advantage plans with low maximum out-of-pocket costs can significantly alleviate your financial burden.


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In Missouri, some plans from providers such as Anthem, Humana, and Cigna may offer reduced out-of-pocket maximums and possibly even $0 monthly premiums, which may be advantageous for individuals seeking to minimize their healthcare expenditures.


Understanding the Role of Supplemental Benefits

Supplemental benefits can enhance your Medicare Advantage plan coverage, adding to your overall Medicare Advantage coverage. They extend coverage beyond what is covered by Medicare and may include services such as:


  • Dental care
  • Vision care
  • Prescription drugs
  • Hearing aids
  • Transportation services
  • Over-the-counter medications
  • Fitness programs
  • Meals and nutrition


Benefits vary based on area, plan, and insurance company.

These additional benefits can help address your specific health and social needs.

Missouri’s Medicare Advantage Landscape: Plan Availability and Trends

Keeping abreast of the Medicare Advantage landscape can guide you toward the best advantage plan in Missouri. In the past, some Missouri residents have been able to choose from dozens of Medicare Advantage plan options, depending on their health plan service area.


Assessing Plan Availability Across Missouri Counties

The availability of Medicare Advantage plans varies across counties in Missouri. Historically, availability has ranged from over 40 plans in some areas to less than a dozen available in other areas.


Tracking Year-Over-Year Changes in Plan Offerings

Year-over-year changes in plan offerings can offer a snapshot of trends in the Medicare Advantage market in Missouri.

In recent years, the average Medicare Advantage monthly premium has risen slightly. There has also been an expansion in the availability of plans from many major insurers in some Missouri counties.


Essential Considerations for Selecting the Right Medicare Advantage Plan

To choose the right Medicare Advantage plan, focus on your healthcare needs while keeping your budget and benefit preferences in mind. Consider the following factors:


  • Your unique health needs
  • Budget constraints
  • Options for supplemental coverage
  • Prescription drug coverage
  • Out-of-pocket expenses like premiums, deductibles, copays, and coinsurance.


Prioritizing Your Health Care Needs

Your unique healthcare needs, including potential Medicaid services, significantly influence the selection of an appropriate Medicare Advantage plan.


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Depending on whether you need preventive services for early disease detection and management or coverage for emergency and urgent care services, comprehending your needs can help you find the perfect plan.


Balancing Budget and Benefit Preferences

In negotiating your budget and benefit preferences within a Medicare Advantage plan, you should take into account:


  • Your health condition and healthcare usage
  • The cost and coverage scope of supplemental insurance
  • The specific benefits offered by the Medicare Advantage plan.


It is advisable to compare the annual deductible amounts of the plans under consideration and evaluate how they correspond with your budget and anticipated healthcare requirements.


Utilizing Resources and Expert Assistance

The use of online comparison tools and the aid of professional, licensed insurance agents can significantly ease your decision-making process when selecting a Medicare Advantage plan.

These resources can help you to compare coverage options, assess costs, and identify the most suitable plan.


Leveraging Online Comparison Tools

One such tool is our plan finder and comparer. Enter your zip code to discover information on the plans that may be available in your location.


Seeking Help from Licensed Insurance Agents

A licensed insurance agent, often known as a broker, may provide beneficial advice and assistance throughout the Medicare Advantage plan selection journey.


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They often can:

  • Provide information about various plans
  • Assist in comparing options
  • Guide individuals toward the plan that most closely matches their requirements and preferences.

To discuss your options with one of our licensed insurance agents, contact 844-350-0776.


Choosing the right Medicare Advantage plan involves careful consideration of numerous factors, such as understanding your healthcare needs, balancing your budget and benefit preferences, and staying informed about the Medicare Advantage landscape in Missouri. Leveraging resources like our online comparison tool and professional assistance from licensed insurance agents may well significantly facilitate your selection process.

Furthermore, you can check this page for future updates.

Remember, the right plan for you is the one that best meets your healthcare needs and fits within your budget.

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Frequently Asked Questions


What is the most popular Medicare Advantage plan for 2025?

In the past, Humana has been a popular Medicare Advantage plan due to its high ratings, good benefits, and no-monthly-cost plans. AARP/UnitedHealthcare and Kaiser Permanente have also enjoyed popularity in recent years, with popular plans and outstanding customer service.


What is the highest-rated Medicare Advantage plan?

The historically highest-rated Medicare Advantage plan is Humana, which has previously been ranked first nationally by U.S. News.


What are the top-rated Medicare Advantage plans in Missouri for 2025?

In the past, the top-rated Medicare Advantage plans in Missouri have been offered by Aetna Medicare, Anthem, Blue Cross & Blue Shield, Cigna, Humana, UnitedHealthcare, and Wellcare. Many of these plans have received high ratings for their coverage and benefits.

Get Started Now

We can help make the process of finding the right Medicare Advantage plan easy.

To get started enter your zip code above to compare plans in your area, and even enroll online yourself!

Or, call us today to speak to one of our licensed insurance agents at 844-350-0776. They can likely answer your questions and will try to help you find the best plan to fit your needs.



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Compare Medicare Plans

Find a plan to fit your needs


Speak with a licensed insurance agent

TTY 711

Mon-Fri : 8am-9pm ET