Best Medicare Supplement Plans in Missouri
There are ten Medicare Supplement plans in Missouri to choose from. All offer health care coverage to fill in payment gaps for coinsurance, copayments, and deductibles that Original Medicare does not cover.
- Of the ten plans offered, we found Aetna offers the best Medicare Supplement Plan G rates of $159 per month and provides the most comprehensive coverage and benefits.
- We also found Aetna offers the best Medicare Supplement Plan N at $142 per month; for those that want the best monthly value without compromising coverage.
- Mutual of Omaha offers a High Deductible Plan G, which is the lowest premium option for $56 per month. This plan requires beneficiaries to pay the annual deductible of $2,700 before accessing any benefits.
Below are the key benefits of Medicare Supplement plans as well as a list of companies with the most competitive rates.
Aetna Medicare Supplement Plan G
- For Missouri residents seeking the most comprehensive coverage, Aetna's Medicare Plan G is the ideal choice.
- Except for the Medicare Part B deductible, this plan covers many of your out-of-pocket costs.
Aetna Medicare Plan G provides you with a comprehensive healthcare coverage that includes:
- Coverage for Part B excess fees, the Medicare Part A deductible and all coinsurance costs associated with Part B.
- No required referrals.
- Access to any medical provider who accepts Original Medicare.
Monthly Plan Cost: $159
*Quotes for a 65 year old non smoking female, in zip code 63005.
Aetna Medicare Supplement Plan N
- If you're looking for an affordable Medigap plan, then Aetna Medicare Plan N is the perfect choice. Not only does it offer reduced premium rates compared to Plans F and G, but it also has a number of other benefits
Aetna Plan N offers several advantages, including but not limited to:
- Skilled nursing facilities
- $0 Part A deductible
- Foreign travel emergency healthcare
- Maximum $20 copay for office visits
- Maximum $50 copay for an ER visit (waived if admitted)
Out of Pocket Expenses:
- Must pay Part B deductible
- Must pay Part B excess charges
- Must pay copays for office visits and ER visits
Monthly Plan Cost: $142
*Quotes for a 65 year old non smoking female, in zip code 63005.
Mutual Of Omaha High-Deductible Plan G
- Save big on Medicare Supplement coverage with Mutual Of Omaha High-Deductible Plan G. This plan requires a $2,700 upfront deductible and still has all of the same features and benefits as traditional Plan G - so you can enjoy comprehensive coverage at a much lower cost.
Monthly Plan Cost: $56
*Quotes for a 65 year old non smoking female, in zip code 63005.
Aetna Medicare Supplement Plan F
- If you're in search of the best coverage available, look no further than Aetna Medicare Plan F. With this plan, you'll get complete protection for Part A & B deductibles and coinsurances. Only available to those who signed up for Original Medicare before January 1st of 2020.
Monthly Plan Cost: $224
*Quotes for a 65 year old non smoking female, in zip code 63005.
What's the Best Medicare Supplement Company in Missouri?
Based on our review of several key factors, Aetna is the best Medicare Supplement company in Missouri.
While Aetna Medigap plans tend to be more affordable in Missouri, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage.
For this reason, Aetna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.
This chart compares different Medicare Supplement companies to Aetna that are also available in Missouri, including sample premiums, ratings, and market share:
Cigna
Market share: 3.70%
Plan G cost: $224
Plan N cost: $171
Financial strength: A
Mutual of Omaha
Market share: 17.32%
Plan G cost: $166
Plan N cost: $144
Financial strength: A+
Aetna
Market share: 3.25%
Plan G cost: $159
Plan N cost: $142
Financial strength: A
How Much Does a Medigap Plan Cost in Missouri?
The best price for Medicare Supplement Plan G in Missouri is $159 per month with Aetna.
Your age and plan choice will have the most significant impact on your premium.
Here you can see how the prices compare for several different plans:
Medigap Plan
Plan F
Plan G
Plan N
High Deductible G
Plan A
Monthly Cost
$221
$159
$142
$56
$146
Plan Popularity in Missouri
60%
45%
25%
15%
8%
Quotes are for sample purposes only. Prices are the average monthly rate in Missouri for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.
When Can I Apply for a Medicare Supplement Plan?
The best time to enroll in a Medigap plan is your Medigap Open Enrollment Period. This period lasts six months and starts the first month you are 65 or older and have Part B coverage. During the Medigap Open Enrollment Period, you will enjoy more plan options and better rates. Medicare insurance companies cannot refuse to sell Medigap policies to any beneficiary or charge them more for health conditions. This is called having guaranteed issue rights.
Once the initial open enrollment period ends, you will have to submit to medical underwriting if you want to apply for Medigap, and you may be denied coverage or charged more.
You might have guaranteed issue rights in some other circumstances such as losing group coverage, moving out of a plan's service area, or your insurance provider going out of business. If one of these applies to you, you may be eligible for a Special Enrollment Period.
If You are Under 65
If you are under 65, you may not be able to sign up for a Medigap plan unless you have a qualifying disability or ESRD (end-stage renal disease). Several states are required to sell at least one Medigap to beneficiaries under 65 with a disability. If you live in one of these states, your six-month Open Enrollment Period begins when your Part B coverage starts.
Ready to Learn More?
We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So 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.
FAQ
Plans can range from $56 - $323 monthly. Age, gender, tobacco history, location, and plan selected will ultimately determine the specific monthly premium.
Aetna and Mutual of Omaha are two of the most popular options. They offer a wide range of coverage options, allowing you to customize a plan that meets your needs.
In Missouri, Plan G costs roughly $159 - $224 per month. Exact pricing is calculated based on several unique variables.
In Missouri, the Missouri Medicare Supplement Anniversary Guaranteed Issue Rule allows you to switch your existing Medigap plan within 30 days before and 30 days after your Medigap enrollment anniversary. (The anniversary rule can be applied every year.) During this time, you cannot be denied coverage. However, you can only switch to another plan of the same letter. For instance, you cannot switch from Plan F to Plan G. But, you can switch between companies, such as replacing your Aetna Plan F with a Mutual of Omaha Plan F. If you try to change to a plan of a different letter, you will have to undergo medical underwriting before being accepted, and may be denied coverage.
You can not be denied coverage if you apply during your initial enrollment period, using the Missouri Medicare Supplement Anniversary Guaranteed Issue Rule, or qualify for guaranteed issue rights due to other special circumstances. Yes, you can be denied coverage when applying outside of these scenarios. Insurers can review health history, allowing them to charge a higher premium or deny coverage based on underwriting.
For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.
Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).
Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors, such as your health conditions, age, location, tobacco status, gender, and insurance provider.
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