Medicare in Missouri serves about 1.4 million beneficiaries, with 46% enrolled in Medicare Advantage and the remainder on Original Medicare + Medigap. Average Medigap Plan G premium for a new 65-year-old enrollee: $130/mo. Stand-alone Part D plans average $43/mo.
Medicare Beneficiaries
1.4 million
Age 65+ and disabled
MA Enrollment
46%
% on Medicare Advantage
Avg Medigap Plan G
$130/mo
New enrollee, age 65
| Topic | Detail | Notes |
|---|---|---|
| Medicare Advantage plans available | 50+ | Varies by county; check medicare.gov plan finder |
| Top MA carriers | UnitedHealthcare, Anthem Blue Cross Blue Shield Missouri, Humana | Networks differ by county |
| Stand-alone Part D | $43/mo | Required if you have Original Medicare + Medigap |
| Annual guaranteed-issue Medigap switching | Yes — state protection applies | Missouri Anniversary Rule: Medigap holders can switch plans during a 60-day window around their policy anniversary date each year with no medical underwriting. |
Medigap premiums vary by carrier, age, and ZIP code. The 2026 Part B premium is $202.90/month and Part B deductible is $283. Part D out-of-pocket cap is $2,100 in 2026.
Missouri is one of a handful of states with a special Medigap switching rule — the Anniversary Rule — which gives policyholders a 60-day window around their Medigap policy's anniversary date each year to switch to any plan with equal or lesser benefits without medical underwriting. This annual switching right is a meaningful consumer protection that allows Missouri beneficiaries to shop for better premiums as the market evolves. The Kansas City metro area, spanning Missouri and Kansas, is a major Medicare market where Anthem, UnitedHealthcare, and Humana compete across both states. Saint Luke's Health System, The University of Kansas Health System, and BJC HealthCare (serving St. Louis) are the major hospital anchors.
St. Louis is Missouri's other major Medicare market, with Barnes-Jewish Hospital (part of BJC HealthCare), SSM Health, and Mercy Health System all actively participating in MA networks. The St. Louis metro area extends into Illinois (Metro East), creating cross-state coverage dynamics similar to Kansas City. Missouri's Medigap Plan G averages about $130/month — affordable by national standards — and the Anniversary Rule makes switching feasible for beneficiaries who see their rates increase. Rural Missouri, particularly in the Ozarks and the Bootheel, has more limited MA plan competition. Missouri's senior population benefits from the CLAIM (Community Leaders Advancing Insurance Markets) free counseling program for Medicare questions.
In Missouri, traditional Medicare combined with a Medigap supplement (typically Plan G or N) plus a stand-alone Part D plan provides nationwide access with predictable costs. Plan G covers everything except the $283 Part B deductible.
Medicare Advantage (Part C) plans bundle Medicare Parts A, B, and usually D into one private plan, often with $0 premium beyond Part B. Trade-offs include network restrictions and prior authorization. 46% of Missouri beneficiaries currently choose MA.
Missouri Anniversary Rule: Medigap holders can switch plans during a 60-day window around their policy anniversary date each year with no medical underwriting.
💡 Missouri Pro Tip
Missouri beneficiaries in St. Louis and Kansas City typically have access to 50 or more Medicare Advantage plans. Springfield, Columbia, and Jefferson City generally offer 25 to 40 options. Rural Ozarks counties and the Bootheel region may have 15 to 25 plans available.
The average Medigap Plan G premium for a 65-year-old in Missouri is approximately $130 per month. Missouri's Anniversary Rule makes it worthwhile to compare rates annually and switch if you find a lower premium, since you can do so without medical underwriting once per year.
Yes — Missouri's Anniversary Rule gives every Medigap policyholder a 60-day window around their policy's anniversary date each year to switch to a plan with equal or lesser benefits without medical underwriting. This annual right allows Missouri beneficiaries to shop for lower premiums and is one of the more consumer-friendly protections in the Midwest.
Beneficiary counts and MA enrollment percentages from CMS state-level Medicare data; premium averages from 2026 carrier rate filings for Missouri. Verify current plan costs at medicare.gov before enrolling.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed May 2026
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