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Missouri Medicare Coverage Guide

In 2018, there were 1.1 million Missouri residents with Medicare coverage. Medicare is a federally funded program with rules and regulations that apply to all 50 U.S. states. Within each state, including Missouri, major insurance companies are allowed to offer private Medicare plans that follow the federal regulations but include extra benefits that the federal program does not cover. At Medicare Plan Finder, we can help you find the best Medicare insurance plan in Missouri for you and your needs.

This Guide to Missouri Medicare Includes:

Who is Eligible for Medicare in Missouri?

To be eligible for Medicare, you must either age into the program (at age 65) or have a qualifying disease or disability. Qualifying diseases include ALS (Lou Gehrig’s disease) and ESRD (end-stage renal disease). Qualifying disabilities are anything that require you to receive Social Security Disability Income (SSDI).

Turning 65 and Medicare

Enrolling in Medicare in Missouri

If you receive SSDI, you will be automatically enrolled in Medicare during your 25th month of receiving benefits. If you are part of the Railroad Retirement Board, you will be automatically enrolled when you turn 65. When you are automatically enrolled, you will receive a red, white, and blue Medicare card in the mail.

Most other people will have to enroll upon turning 65 or receiving a diagnosis for ALS or ESRD. To enroll, either visit your local Social Security office, call Social Security (800-772-1213), or use the Social Security website.

If you do not enroll when you first become eligible, you can enroll during the Annual Enrollment Period each fall. If you lose your coverage, move to a new city, or otherwise endure a special circumstance that affects your healthcare options, you may be eligible for a Special Enrollment Period.

What Does Medicare Cover in Missouri?

The most basic form of Medicare that is offered by the federal government is called Original Medicare. It includes Part A, hospital coverage, and Part B, medical coverage. Original Medicare does not include prescription drug coverage; for that, you will need to enroll in a standalone “Part D” plan or a private plan that includes prescription drug coverage.

Prescription Drug Savings Card

What Medicare Plans are Available in Missouri?

If you want more coverage than what Original Medicare offers, you’ll want to consider enrolling in a Medicare Advantage or a Medicare Supplement plan. These plans are sold by private companies, not the government. They follow all government Medicare rules and regulations, but they add additional benefits. There are different Medicare Advantage and Medicare Supplement plans available in every county and zip code, so what is available for you may not be available for your relatives.

Have Questions? Ask a Licensed Agent in Your Area

Medicare Supplement Plans Missouri

Medicare Supplement plans work hand-in-hand with your Original Medicare plan. If you enroll, you’ll receive additional support in paying for your Medicare premiums, deductibles, copayments, and coinsurance. Some Medicare Supplement plans also include prescription drug coverage or other benefits such as access to a gym membership or other fitness program.

Medicare Advantage Missouri

Medicare Advantage plans are alternatives to Original Medicare. They cover everything that Original Medicare covers but add benefits like prescription drugs, fitness, non-emergency medical transportation, dental, vision, hearing, etc. Some people may be eligible for $0 premium Medicare Advantage plans (but will still have a deductible and co-payments).

The Missouri Medicare Savings Program

To apply for Louisiana Medicare for the first time (and get Parts A and B), visit or call Social Security. To get more benefits and find out what other options you may qualify for, consider scheduling an appointment with a benefits advisor who has information about plans from all different plans in your parish.

Have Questions? Ask a Licensed Agent in Your Area

What is the Cost of Medicare in Missouri?

Your Missouri Medicare costs will depend on the plan you select. Some people will be eligible for premium-free Part A. Others will be eligible for enough savings programs that they will not have any premiums at all! Most people will have to pay the Part B premium ($135.50 in 2019). Talk to an agent to discuss the best way for you to save money on your healthcare costs.

Can I Have Medicare and Medicaid in Missouri?

It is possible to have both Medicare and Medicaid in Missouri. If you not only qualify for Medicare but also meet the income requirements for Missouri Medicaid, you can certainly get benefits from both programs. Most people who are eligible for both will want to enroll in a dual-eligible special needs plan (DSNP). DSNPs are a form of Medicare Advantage that can provide superior coverage for those who cannot otherwise afford quality healthcare. Those who are eligible for DSNP plans are also eligible to enroll in Medicare plans during any time of year and do not have to wait for a specific enrollment period.

Are you ready to go over your Medicare options with a benefits advisor? Our agents are trained to help you see all of your options and pick the very best one for you and your needs. To get started, send us a message or call to set up an appointment at 833-438-3676.

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