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Best Medicare Advantage Plans in Missouri for 2020

Over thirty percent of state residents enrolled in Medicare Part A and B have also selected one of the best Medicare Advantage plans in Missouri for 2020. While Original Medicare offers a broad range of healthcare coverage, it still leaves a Medicare beneficiary exposed to out-of-pocket costs because of coinsurance, deductibles, and of course, copayments. To learn more about how an Indiana Medicare Advantage plan can help you control costs, skim this overview.

When to Enroll in the Best Medicare Advantage Plans in Missouri for 2020

Almost everybody who is enrolled in Medicare Part A and B can also join one of the best Medicare Advantage plans in Missouri for 2020. To apply for a Medicare Advantage health insurance plan, you only need to answer one health question about End Stage Renal Disease ESRD as well. Beneficiaries who do suffer from ESRD can join special Medicare coverage that is tailored to manage this disease.

Even though most people with Original Medicare health insurance can join a Medicare Advantage plan in Missouri, there are still certain times when CMS allows enrollment. These enrollment times for Medicare Part C are summarized below:

  • Initial Coverage Election Period: When you’re first enrolled in Medicare Part A and Part B, you get a chance to compare and choose the best Medicare Advantage plan for your situation.
  • Annual Election Period: Every year, you get a few weeks to switch Medicare Advantage plans for the next year.
  • Special Election Periods: Losing coverage, moving away from your plan, and certain other events might trigger Special Election Periods for Medicare Part C.

CMS allows for a Medicare Advantage Disenrollment Period which gives you six weeks at the beginning of the year to leave your MA plan, get benefits from Original Medicare, and pick out Medicare Part D coverage. This may get phased out soon in favor of an extra Annual Election Period.

Also, your new Medicare Advantage plan in Missouri for 2020 will come with an ID card from your insurance company. Most of the time, you will use this card instead of the one that you got when you enrolled in Medicare Part A and Part B.

Best Medicare Advantage Plans in Missouri for 2020

CMS requires that Medicare Part A and Medicare Part B provide the same benefits to every beneficiary. However, Medicare Part C plans may vary a lot because of the insurance company, kind of plan, and even location. To help you compare your options to find the best Medicare Advantage plan for your own unique needs, consider this brief summary of the popular Medicare Advantage plans in Missouri:

  • Health Maintenance Organization HMO plans in Missouri:

HMO Medicare Advantage plans in Missouri get about 63 percent of enrollment. An HMO will have the strictest network rules but may also have very cheap or even $0 monthly premium rates.

  • Preferred Provider Organization PPO plans in Missouri:

About 35 percent of all members of Medicare Advantage plans in Missouri choose a PPO. Expect a PPO to offer somewhat higher costs and more flexibility than an HMO.

  • Special Needs Plans SNPs in Missouri:

Look for Special Needs Plans to help with the unique needs of people who must cope with institutional conditions or chronic health conditions.

  • Dual-Eligible in Missouri:

Medicare beneficiaries can enroll in these plans if they have both Medicare Part A and Medicare Part B and also qualify for Medicaid.

Enrollment Statistics for Missouri Medicare Advantage Plans for 2020

These are some statistics to help inform you more about the choices Medicare recipients make for their Medicare Advantage plan in Missouri for 2020:

  • Percent of Missouri Medicare Part A and Part B recipients with Medicare Advantage: 31 percent
  • Total number of people enrolled in a Missouri Medicare Advantage plans: 368,222

This list displays the five largest Missouri counties with the population:

  • St. Louis County, Missouri: 996,726
  • Jackson County, Missouri: 698,895
  • St. Charles County, Missouri: 395,504
  • Greene County, Missouri: 289,805
  • Clay County, Missouri: 242,874

Here are a few changes for 2020:

  • Starting in 2020, insurance companies that provide Medicare Advantage plans in Missouri will be able to add some supplemental non-health related benefits to certain beneficiaries, such as providing help with making structural changes to the home when needed. This is designed to help those who might need help with widening doorways or installing ramps for their homes.
  • The Centers for Medicare and Medicaid Services approved a 2.53% payment increase to Medicare insurers that offer Medicare Advantage plans in Missouri.

How The Best Missouri Medicare Advantage Plans Cover Prescriptions

Original Medicare doesn’t pay for typical prescription drug coverage that you buy at a pharmacy. If you only have Medicare Part A and Medicare Part B, you will probably also need to enroll in a stand-alone Part D for drug benefits. On the other hand, you can find plenty of Medicare Prescription Drug plans that bundle your medical and drug benefits into one plan. Sometimes, you may get both kinds of coverage with low premiums, so that can offer you a good value.

To make the most of your Prescription Drug plan benefits, you should compare the formulary, or covered drug list, for various plans. Also, consider the Prescription Drug plan tiers that will tell you if the company pays different rates for different kinds of medication.

Network Rules for Medicare Advantage Plans in Missouri for 2020

With Medicare Part A and Part B, you don’t have any sort of provider network. If you intend to rely upon Original Medicare, you should find providers that accept Original Medicare Assignment to avoid getting charged higher bills. Almost all the best Medicare Advantage plans in Missouri for 2020 are HMOs and PPOs, which do rely upon provider networks to help reduce costs for the health insurance company and the beneficiary members.

These are two things to understand about these popular MA plans:

  • If you enroll in an HMO, you will have almost no coverage for out-of-network services unless it is an emergency situation. Also, you have to pick a PCP who must give you referrals to visit a specialist. Make sure that you can find your favorite doctor, hospital, and other medical services on the list of in-network providers.
  • If you join a PPO, you can get out-of-network trips to a doctor or hospital covered but will pay considerably less for in-network services. You also won’t have to select a primary care doctor or get referrals for specialists.

Most of the time, if you find a plan with a low or $0 monthly premium in 2020, it will be an HMO. On the other hand, a PPO may suit you better if you like more freedom to choose your doctor or even to travel. Moving away from your local network can trigger a Special Election Period that will give you time to choose a new Medicare Advantage plan.

Missouri Medicare Resources

These authority resources can help you understand your Medicare benefits in Missouri: