Best Missouri Medicare Advantage Plans

The Centers for Medicare & Medicaid Services (CMS) has a five-star quality rating system that MoneyGeek used to determine which plans were widely available in Missouri. Our guide lists the best choices for different categories, including plan type, whether drug coverage is required and limits for out-of-pocket costs.

Since these are general recommendations, it’s advisable to shop around when determining which plans fit your individual needs. Shopping around helps you make sure that hospitals and providers are in the network of your chosen plan.

If you're not looking for a Medicare Advantage plan but want to cover out-of-pocket costs that your base Medicare plan doesn't cover, MoneyGeek also ranked the best Medicare Supplement Plans in Missouri.

Generally, MoneyGeek found that Anthem MediBlue Access Basic by Anthem Blue Cross and Blue Shield may be the best plan for Missouri shoppers who want a PPO plan with drug coverage, nine core benefits and a high rating from the CMS. However, the best Medicare Advantage Plan for you depends on your needs and preferences.

A Preferred Provider Organization (PPO) gives you a broader network, several benefits and more flexibility compared to other plans. Having a broad network means you have more choices of doctors, treatment centers and hospitals. However, PPOs usually have higher premiums.

It’s best to assess your health care needs and use that to decide which is the best HMO Medicare Advantage plan in Missouri. For example, UnitedHealthcare’s AARP Medicare Advantage Plan 2 is the best choice for a Missouri buyer who needs an HMO plan with drug coverage, seven core benefits and a high star rating from the CMS.

Health Maintenance Organization (HMO) plans are more affordable and are the most common health care plans available. However, you need a referral to see a specialist. To ensure coverage, you’re required to stay within your network except during emergencies.

If you don’t need Part D prescription drug coverage, other plans in Missouri are available. Missouri shoppers looking for a Medicare Advantage plan regardless of whether it has drug coverage or not, seven core benefits and a high star rating from the CMS, AARP Medicare Advantage Plan 2 from UnitedHealthcare might be the best plan.

In Missouri, many Medicare Advantage plans offer low or no premiums. However, you may need to pay thousands of dollars more in co-pays as a result. To avoid this, you need to find a plan with a low in-network max out-of-pocket limit.

We found that the best option for Missouri buyers is Anthem MediBlue Access Basic by Anthem Blue Cross and Blue Shield. This plan is particularly good for those who want a Medicare Advantage plan with a low max out-of-pocket limit, drug coverage, nine core benefits and a high star rating from the Centers for Medicare & Medicaid Services (CMS).

There are 14 different health care organizations that offer Medicare Advantage plans in Missouri. To help you understand which plan components are common or rare, MoneyGeek has various statistics on Medicare Advantage in Missouri in the segment below.

MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Missouri were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Missouri based on county availability.