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Best Medicare Supplement Plans in Missouri

Medicare Supplement plans in Missouri provide coverage for health care costs beyond what is provided by Medicare Part A and Medicare Part B. These plans allow older adults to manage and lower their treatment costs. Also called Medigap insurance plans, Medicare Supplement insurance plans offer choices in health care coverage to fill in payment gaps for coinsurance, copayments, and deductibles that Original Medicare does not cover.

People are eligible for Medicare when they age into it at age 65 or two years after they first begin receiving Social Security disability benefits if they are younger. They are then eligible to purchase Medigap plans to supplement their Medicare coverage.

As of 2018, 27% of Medicare beneficiaries in Missouri were enrolled in Medigap plans to supplement their coverage under the federal Medicare program. Other than Plans K and L, Medigap plans do not have plan limits.

Eligibility rules for a Medigap plan in Missouri require people to first be enrolled in Medicare Part A and Medicare Part B. Missouri Medicare beneficiaries who are looking for additional coverage options can learn more about Medicare Supplement plans in Missouri below.

Find Plans in Your Area
 

Most popular Medicare Supplement Plans in Missouri

Best for Full Coverage: Medicare Supplement Plan F

Medicare Plan F offers the most comprehensive benefits to Medicare enrollees. However, you must have been enrolled in Medicare before Jan. 1, 2020, to enroll in Plan F. If you were enrolled in Medicare before that date and have Plan F, you are allowed to keep it.

Best Comprehensive Coverage: Medicare Supplement Plan G

If your Medicare start date was after Jan. 1, 2020, the most comprehensive plan for supplemental coverage is Medicare Plan G. If your start date was before Jan. 1, 2020, you can choose between Plan G and Plan F. For people who have the option to choose between these two plans, Plan G offers good cost savings as compared to Plan F.

Best Value: Medicare Supplement Plan N

Medicare Plan N offers great cost savings for people who want comprehensive coverage and are willing to give up certain benefits in exchange for lower monthly premiums. Medicare Part N offers basic benefits with low copays of up to $20 for an office visit and up to $50 for an emergency department visit. If you are admitted, the ER copay will be waived.

Best Deductible Plan: High Deductible Plan F

The Medicare high-deductible Plan F offers the same benefits as Plan F, but it comes with an annual deductible of $2,490. This deductible must be met before your supplemental coverage will begin paying. However, it is much cheaper than the traditional Medicare Plan F.

Best for Lowest Premiums: High Deductible Plan G

The Medicare high-deductible Plan G offers the same benefits as the original Plan G. However, it has an annual deductible of $2,490 that you must meet before your coverage will start paying. It is much cheaper than the original Plan G.

Medicare Supplement Insurance cost in Missouri

For a non-smoking 65-year-old female in Jasper County, Missouri, here is the average monthly premium based on three different available plans:

65-Year Old Female Non-tobacco
Plan Type Premium Range
Plan F$183.18
Plan G$134.80
Plan N$128.87

When can I apply for a Medicare Supplement plan?

Once you first become eligible for Medicare insurance coverage at age 65, you can then enroll in original Medicare. You will then have an initial Medigap open enrollment period for six months after the effective date of your Medicare Part B.

During the Medigap open enrollment period, a Medicare insurance company cannot refuse to sell Medigap policies to beneficiaries who purchase them within the open enrollment period.

During the initial open enrollment period, you will generally enjoy more plan options and better rates. Once the initial open enrollment period ends, you might not be able to purchase Medigap insurance based on a current or past health condition. If you can buy a plan after the open enrollment period, its pricing might be more expensive.

An insurer can impose a six-month waiting period before covering treatment for pre-existing conditions. However, periods of creditable coverage can be deducted from this waiting period. You might also have guaranteed issue rights in some circumstances in which private insurance companies are not allowed to impose a six-month waiting period for pre-existing conditions.

It is important to note that the annual election period for Medicare Part D and Medicare Advantage plans does not apply to Medicare supplement plans in Missouri. Part D plans and Medicare Advantage plans have an annual election period running from Oct. 15 to Dec. 7 each year, but it does not apply to Medigap plans. A licensed insurance agent can help you to compare the coverage offered by different Medigap insurance plans and their pricing to help you make the best choice for you.

FAQ:

What is the Medigap Anniversary Rule in Missouri?

In Missouri, the Missouri Medicare Supplement Anniversary Guaranteed Issue Rule allows you the option to renew your existing Medigap plan with the same company or to change to a new plan or company. You can switch insurance companies during the 30 days before or after the anniversary date of your Medigap plan.

If you change to a new company but keep the same plan, you cannot be denied coverage and will not have to go through a six-month waiting period. But if you change Medigap plans you will most likely have to go through a underwriting process before getting approved.

Can I be denied Medigap coverage?

If you apply for a Medigap insurance plan during the initial open enrollment period, you cannot be denied coverage. However, if you apply to change your plan to a more comprehensive plan during the annual period around your anniversary date, you could be denied coverage if you do not pass the underwriting process.

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Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as Aetna, Cigna, Mutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide. 

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Key Take Aways
  • If you’re about to turn 65 or dissatisfied with your current Medicare benefits, you might be interested in learning more about Medicare Supplement plans in Missouri and how they might benefit you. They help pay for the gaps in Original Medicare that are caused by coinsurance, copays, and deductibles.
  • There are 10 Medicare Supplement Plans in Missouri to choose from.
  • In Missouri, Medicare Supplement Plan G is the most popular plan for 2022.