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Best Medicare Supplement Plans in Missouri 2020 – Comparison Chart

Over 288,000 residents have chosen from the best Medicare Supplement plans in Missouri for 2020. You might compare that to about 1.2 million total beneficiaries of Original Medicare. 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.

The quickest way to find a local Medicare Supplement plan is to use our online quote form. Find “Missouri” in the quote box, submit the form to get started. Alternatively, you are welcome to call the toll-free phone number. We can provide you with more information about your local options.

Best Time to Apply for a Medicare Supplement Plan In Missouri in 2020

Most Medicare beneficiaries find that the best time to apply for the best Medicare Supplement plans in Missouri is right about the time that they first get Original Medicare at age 65. You get six months surrounding your first Medicare Part A and Medicare Part B enrollment to apply without having to submit to any health underwriting at all. That means that all insurance companies that offer Medicare Supplement health plans must accept you for their Missouri Medigap plans.

In Missouri, this Guaranteed Acceptance Period applies to people who get Medicare because they are 65 or older and to people who get Medicare because they are younger and disabled.

These are things to know about Guaranteed Issue Rights in Missouri that may differ from state to state:

  • An insurer may impose a waiting period of up to six months for a pre-existing condition if you don’t have creditable coverage from another insurance plan.
  • Also, you’re allowed to switch to the same Medicare Supplement plan in Missouri from other companies at your renewal date each year. Since companies may increase rates each year for a variety of reasons, this is handy to know.

Can I Use My Missouri Medicare Supplement Plan in Another State?

One of the things that owners of Medigap plans like best are the fact that their benefits are incredibly portable. If you plan to spend time camping in your RV or visiting your grandchildren, you’ll be happy to learn that you can find providers who will take your Medicare Supplement plan all over the country. Unless you purchase a “Select” plan, you don’t need to worry about finding network doctors or clinics. You also won’t need to call your primary care doctor for a referral to a specialist.

If you plan to change your home address permanently, you will need to contact the provider of your Medicare Supplement plan in Missouri to tell them. It’s best to tell them in advance, but you may have a few months afterward too. Nationwide insurers can usually change your same plan to a new state very quickly, and you probably won’t notice much difference. Of course, your plan premiums may vary because of your new hometown.

You may read reviews of your insurer in your new state and decide you want to change Medicare Supplement plans. That will depend upon the new state’s rules, but you generally have another Guaranteed Enrollment Period when you move into or out of a new hometown.

Medicare Supplement Plan Comparison Chart in Missouri for 2020

We can’t tell you that there is one best Medigap plan or insurance company for everybody. We can tell you which Medicare Supplement plans have been popular and tend to satisfy many beneficiaries. You can get an outline of coverage for all of the details online or from an insurer. But this Missouri Medicare Supplement plan comparison chart will highlight the main differences between these three common choices, which many beneficiaries consider to be the best Medicare Supplement plans in Missouri:

Medicare Supplement Plans Comparison Chart

  • Medicare Supplement Plan F in Missouri

    Medigap plan F in Missouri is chosen by about 40 percent of all purchased Medicare Supplement plans in Missouri because it offers all of the allowed benefits in their outline of coverage. In addition to primary benefits, it pays for Part B excess charges from medical providers who charge more than Medicare says they should, the Part B deductible, and urgent care outside the U.S. In fact, it is the only option — other than Medicare Supplement Plan C — that covers the Part B deductible.

  • Medicare Supplement Plan G in Missouri

    Medigap plan G in Missouri has become increasingly popular because it is almost identical to Plan F. It only won’t pay for the Medicare Part B deductible, and it’s usually considerably cheaper. This is one of the most ideal Medicare Supplement insurance plans for those who want robust, comprehensive coverage but who are looking for reasonable monthly rates.

  • Medicare Supplement Plan N in Missouri

    Medicare Supplement plan N in Missouri imposes some cost-sharing in the form of co-pays for some visits to the emergency room or doctor’s office. It also doesn’t pay for excess charges. Still, lower premiums make it one of the best Medicare Supplement plans in Missouri in 2020 for people who are a bit more budget-minded.

Please note: Medigap Plan F in Missouri will no longer be available to Medicare beneficiaries that turn age 65 after 01/01/2020. Plan F will still available to Medicare Beneficiaries who are already on Medicare Part A and Medicare Part B prior to 01/01/2020.

You might choose Medigap Plan F or Medigap Plan G if you’d rather pay somewhat more for your Medigap plan in the form of monthly premiums and let your insurer handle most of your medical claims. You may be satisfied with lower premiums for Plan N if you don’t mind sticking to doctors who accept Medicare Assignment and would not mind some out-of-pocket costs, such as paying co-pays for specific services.

Check out the Medigap comparison chart for MO below if you’d like to compare these popular Medigap policies. It makes it easy to choose which plan you should sign up for during your initial open enrollment period!

Overview of Medicare Supplement Plans in Missouri

Below is a quick summary of some Missouri Medicare facts:

  • Missouri Medicare recipients: About 1.2 million
  • Missouri MA members: About 320,000
  • Medicare Supplement plans in Missouri: About 280,000

Over half of Missouri Medicare recipients chose either Medicare Advantage or one of the best Medicare Supplement plans in Missouri. Virtually all of the rest of the beneficiaries have some other benefits from work, a union, or the government.

Since Part A and B of Original Medicare can leave beneficiaries vulnerable to out-of-expenses because of deductibles and coinsurance, most seniors realize they should consider other coverage. The attraction to a Medicare Supplement plan in Missouri is often the freedom from networks and the predictability when it comes to medical costs.

This is a list of the larger Missouri counties:

  • St. Louis County, MO: 998,581
  • Jackson County, MO: 691,801
  • St. Charles County, MO: 390,918
  • Greene County, MO: 288,690
  • Clay County, MO: 239,085

You may find that you have more options both for Medicare Advantage plans (Part C) or Medicare Supplement insurance in the more populated counties in Missouri. However, there are health insurance options all across the state, so finding a Medicare plan that will help you get more out of the federal Medicare program should not be too difficult. In fact, it’s even something that one of our licensed insurance agents will help you with.

Where Can You Compare and Buy Medicare Supplement Plans in Missouri for 2020?

We have worked hard to make it easy for you to compare and buy a Medicare Supplement plan. With our help, it’s easy to find and choose the best Medicare Supplement plans in Missouri for supplementing Medicare Part A and Part B.

Use the quote box on this page or contact us at 888-414-4547 for additional help.  Our Medicare Specialist will be glad to help you sort through your Medigap plan options.  If you decide to purchase a plan, we can help you apply right over the phone. We can also help you find a Medicare Part D prescription drug plan that will offer the prescription drug coverage that is not included with your Supplement plan.

If you find that Medicare Supplement plans don’t seem right for you, we can also talk to you about Medicare Advantage plans that are also available through top companies like United Healthcare and Blue Cross Blue Shield. Give us a call today so that we can tell you about your options!

Helpful Resources for Missouri Medicare Recipients

These are some helpful state and U.S. government resources for people who have Medicare benefits in Missouri:

Extra Help for Missouri Medicare Beneficiaries

CMS: Centers for Medicare and Medicaid Services

Related Medicare Supplement Plan Topics in Missouri

Senior Life Insurance Plans is a great resource for Medicare beneficiaries to learn about there options, we also specialize in senior life insurance plans. 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 AetnaCignaMutual 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.