Missouri Medicare Plans and Local Agent Finder

At Medicare Plan Finder, we help you find the best Medicare insurance plan in Missouri for you and connect with local licensed agents near you.

Medicare is a federally funded program with rules and regulations that apply to all 50 U.S. states. Within each state, including Missouri, insurance companies approved by Medicare are allowed to offer private Medicare plans.

This Guide to Missouri Medicare Includes:

• Who is Eligible for Medicare in Missouri?
• Enrolling in Medicare in Missouri
• What Does Medicare Cover in Missouri?
• What Medicare Plans are Available in Missouri?
• Medicare Supplement Plans Missouri
• Medicare Advantage Missouri
• The Missouri Medicare Savings Program
• What is the Cost of Medicare in Missouri?
• Can I Have Medicare and Medicaid in Missouri?

Why Work With a Local Medicare Insurance Agent in Missouri?

Choosing Medicare coverage in Missouri is about more than finding a plan with attractive benefits. What really matters is how that plan works where you live, with the doctors you see, the hospitals you use, and the prescriptions you take.

That can look very different depending on where you call home.

The Medicare Advantage plans and insurance companies available in St. Louis County may not be the same as those available in Kansas City, Springfield, Columbia, Cape Girardeau, or a rural Missouri county. Even when the same insurance company operates in multiple parts of Missouri, provider networks, plan benefits, and costs can vary by plan and location.

A local Medicare insurance agent can help you sort through those differences.

Start With How You Actually Use Healthcare

When we help someone compare plans, we believe the conversation should start with you, not with an insurance company.

Which doctors do you want to keep? Which hospitals do you prefer? What prescriptions do you take? How frequently do you see specialists? Do you travel? And what are you comfortable spending on healthcare throughout the year?

Once we understand that, we can start looking at your Medicare coverage options.

For some Missouri residents, Original Medicare combined with a Medicare Supplement and Medicare Part D prescription drug plan may make sense. Others may prefer to explore Medicare Advantage plans, also known as Part C, offered by private insurance companies in their area.

A licensed Medicare agent can help you compare things like:

• Your doctors, hospitals, and provider networks
• Prescription drug coverage and plan formularies
• Your monthly premium
• Deductibles, copays, and out-of-pocket costs
• The differences between Part A, Part B, Part C, and Part D
• Medigap plans and Medicare Supplement insurance plans
• Different insurance companies and coverage options available in your Missouri county
• Enrollment deadlines, including Medicare Open Enrollment and special enrollment periods

The goal is not to find the plan with the most benefits on a brochure. It is to find coverage that makes sense based on how you actually use healthcare.

Medicare Assistance Programs in Missouri

There are also resources available for Missouri Medicare beneficiaries who need additional help.

Some people with Medicare may qualify for assistance through MO HealthNet, Missouri’s Medicaid program. Depending on your income and eligibility, a Medicare Savings Program may help with your Medicare Part B premium and potentially other Medicare related costs.

Missouri also has a State Health Insurance Assistance Program (SHIP) that provides free, unbiased Medicare counseling. SHIP can be another helpful resource for people who want information about Medicare coverage, prescription drug plans, Medicare Supplement coverage, enrollment, and programs that may help with Medicare costs.

Why Local Knowledge Makes a Difference in Missouri

Missouri does not have one single healthcare market.

Someone living in the St. Louis area may be trying to keep doctors associated with one health system, while someone in Kansas City, Springfield, Columbia, or a rural community may have completely different hospitals and specialists they need to consider.

That is where experienced Medicare insurance agents can provide real value.

An independent Medicare broker can compare coverage options from multiple insurance companies while looking at the details that matter specifically to you.

And we believe that relationship should continue after you enroll.

Your doctors can change. Your prescriptions can change. Insurance companies can change premiums and benefits. Provider networks and formularies can change too.

Working with independent Medicare insurance agents gives you someone to come back to each year to review your Medicare coverage and determine whether your current plan still fits.

Medicare is complicated enough. You should not have to figure it all out on your own.

Who is Eligible for Medicare in Missouri?

To be eligible for Medicare, you must either age into the program by turning 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).

Enrolling in Medicare in Missouri

If you receive SSDI, you will be automatically enrolled in Medicare during your 25th month of receiving disability benefits. If you are part of the Railroad Retirement Board, you will be automatically enrolled when you turn 65. Once enrolled, you will receive your red, white, and blue Medicare card in the mail that has your unique Medicare ID number and your Part A and Part B effective dates.

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.

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.

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 licensed agent who has information about plans from all different plans in your parish.

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 licensed agent? 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) 567-3163.

**View our national Medicare agent locator and browse other states.