Ranked by math. Plans ranked on yearly cost from official federal and state data · ads and any paid links never change the order · not a broker; we don’t enroll you · how we’re funded →
2027 plans · CMS data · Ranked by math
Best Medicare Advantage Plans in Missouri for 2027
Every general-audience Medicare Advantage plan with drug coverage in Missouri, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
101plans with drug coverage
79with a $0 plan premium
$2,000lowest worst-case year
67rated 4+ stars by CMS
Missouri plans, ranked
Showing all 101 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Community (HMO-POS)Humana · HMO-POS14 of 115 counties · drug deductible $700Dental up to $3,000/yr · eyewear $200/yr | $0 | $2,000 | $2,000 | 4.5★ |
| 2 | Humana Community (HMO-POS)Humana · HMO-POS14 of 115 counties · drug deductible $700Dental up to $3,000/yr · eyewear $200/yr | $0 | $2,000 | $2,000 | 4★ |
| 3 | Humana Total Complete (HMO-POS)Humana · HMO-POS6 of 115 counties · drug deductible $500Dental up to $2,500/yr · eyewear $100/yr | $0 | $2,800 | $2,800 | 4.5★ |
| 4 | Humana Total Complete (HMO)Humana · HMO16 of 115 counties · drug deductible $700Dental up to $4,000/yr · eyewear $100/yr | $0 | $2,850 | $2,850 | 4.5★ |
| 5 | Humana Total Complete (HMO)Humana · HMO16 of 115 counties · drug deductible $700Dental up to $4,000/yr · eyewear $100/yr | $0 | $2,850 | $2,850 | 4.5★ |
| 6 | DEVOTED CORE 005 MO (HMO)Devoted Health · HMO26 of 115 counties · drug deductible $461Dental up to $3,750/yr · eyewear $300/yr · OTC items $640/yr | $0 | $2,900 | $2,900 | 4★ |
| 7 | DEVOTED CORE 001 MO (HMO)Devoted Health · HMO12 of 115 counties · drug deductible $650Dental up to $3,750/yr · eyewear $300/yr · OTC items $640/yr | $0 | $3,100 | $3,100 | 4★ |
| 8 | Humana Gold Plus H4623-001 (HMO-POS)Humana · HMO-POS22 of 115 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $3,125 | $3,125 | 4★ |
| 9 | DEVOTED CORE 009 MO (HMO)Devoted Health · HMO12 of 115 counties · drug deductible $650Dental up to $3,000/yr · eyewear $300/yr · OTC items $248/yr | $0 | $3,200 | $3,200 | 4★ |
| 10 | Aetna Medicare Select (HMO-POS)Aetna Medicare · HMO-POS20 of 115 counties · drug deductible $700Dental up to $2,000/yr · eyewear $175/yr · hearing aids $1,250/yr per ear · OTC items $160/yr | $0 | $3,400 | $3,400 | 3.5★ |
| 11 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS10 of 115 counties · drug deductible $500Dental up to $2,000/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $120/yr | $0 | $3,400 | $3,400 | 3.5★ |
| 12 | Essence Advantage (HMO)Essence Healthcare · HMO11 of 115 counties · drug deductible $0Dental up to $250/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $120/yr | $0 | $3,400 | $3,400 | 4★ |
| 13 | Humana Essentials Plus Giveback (HMO)Humana · HMO17 of 115 counties · drug deductible $700Part B giveback $60/mo · Dental up to $3,500/yr · eyewear $150/yr | $0−$60 Part B giveback | $4,200 | $3,480 | 4.5★ |
| 14 | Humana Essentials Plus Giveback (HMO)Humana · HMO17 of 115 counties · drug deductible $700Part B giveback $60/mo · Dental up to $3,500/yr · eyewear $150/yr | $0−$60 Part B giveback | $4,200 | $3,480 | 4.5★ |
| 15 | Humana Total Complete Giveback (HMO-POS)Humana · HMO-POS6 of 115 counties · drug deductible $700Part B giveback $60/mo · Dental up to $3,000/yr · eyewear $100/yr | $0−$60 Part B giveback | $4,200 | $3,480 | 4.5★ |
| 16 | Humana Total Complete Giveback (HMO-POS)Humana · HMO-POS6 of 115 counties · drug deductible $700Part B giveback $54/mo · Dental up to $3,000/yr · eyewear $100/yr | $0−$54 Part B giveback | $4,200 | $3,552 | 4.5★ |
| 17 | CoxHealth Medicare Advantage (HMO)Cox HealthPlans · HMO7 of 115 counties · drug deductible $350Dental up to $3,000/yr · eyewear $200/yr · hearing aids $575/yr per ear · OTC items $80/yr | $0 | $3,600 | $3,600 | 4★ |
| 18 | DEVOTED CORE 003 MO (HMO)Devoted Health · HMO27 of 115 counties · drug deductible $650Dental up to $3,750/yr · eyewear $300/yr · OTC items $252/yr | $0 | $3,600 | $3,600 | 4★ |
| 19 | Essence Advantage Plus (HMO)Essence Healthcare · HMO11 of 115 counties · drug deductible $450Dental up to $2,000/yr · eyewear $300/yr · hearing aids $500/yr · OTC items $100/yr | $59 | $2,900 | $3,608 | 4★ |
| 20 | Aetna Medicare Premier (HMO-POS)Aetna Medicare · HMO-POS20 of 115 counties · drug deductible $700Dental up to $3,000/yr · eyewear $225/yr · hearing aids $1,250/yr per ear · OTC items $180/yr | $25 | $3,600 | $3,900 | 3.5★ |
| 21 | DEVOTED CHOICE 001 MO (PPO)Devoted Health · PPO25 of 115 counties · drug deductible $650Dental up to $3,250/yr · eyewear $400/yr · OTC items $352/yr | $0 | $3,950 | $3,950 | Too new to rate |
| 22 | Essence Advantage (HMO)Essence Healthcare · HMO12 of 115 counties · drug deductible $450Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $80/yr | $0 | $4,000 | $4,000 | 4★ |
| 23 | DEVOTED GIVEBACK EXTRAS 025 MO (HMO)Devoted Health · HMO26 of 115 counties · drug deductible $700Part B giveback $80/mo · Dental up to $4,000/yr · eyewear $350/yr · OTC items $960/yr | $0−$80 Part B giveback | $5,000 | $4,040 | 4★ |
| 24 | AARP Medicare Advantage from UHC ST-1P (HMO-POS)UnitedHealthcare · HMO-POS15 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,100 | $4,100 | 3.5★ |
| 25 | DEVOTED GIVEBACK EXTRAS 028 MO (HMO)Devoted Health · HMO12 of 115 counties · drug deductible $700Part B giveback $80/mo · Dental up to $4,000/yr · eyewear $350/yr · OTC items $500/yr | $0−$80 Part B giveback | $5,100 | $4,140 | 4★ |
| 26 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS8 of 115 counties · drug deductible $700Dental up to $2,000/yr · eyewear $225/yr · hearing aids $1,250/yr per ear · OTC items $280/yr | $0 | $4,200 | $4,200 | 3.5★ |
| 27 | Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS21 of 115 counties · drug deductible $400Dental up to $1,500/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $160/yr | $0 | $4,200 | $4,200 | 3.5★ |
| 28 | HealthSpring Preferred (HMO)HealthSpring · HMO7 of 115 counties · drug deductible $500Dental up to $1,000/yr · eyewear $200/yr · OTC items $480/yr | $0 | $4,200 | $4,200 | 3★ |
| 29 | DEVOTED GIVEBACK EXTRAS 026 MO (HMO)Devoted Health · HMO12 of 115 counties · drug deductible $700Part B giveback $80/mo · Dental up to $3,250/yr · eyewear $350/yr · OTC items $668/yr | $0−$80 Part B giveback | $5,200 | $4,240 | 4★ |
| 30 | Humana Essentials Plus Giveback (PPO)Humana · PPO6 of 115 counties · drug deductible $700Part B giveback $74/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$74 Part B giveback | $5,250 | $4,362 | 4.5★ |
| 31 | DEVOTED CHOICE GIVEBACK EXTRAS 005 MO (PPO)Devoted Health · PPO25 of 115 counties · drug deductible $700Part B giveback $90/mo · Dental up to $4,000/yr · eyewear $350/yr · OTC items $400/yr | $0−$90 Part B giveback | $5,450 | $4,370 | Too new to rate |
| 32 | Humana Essentials Plus Giveback (PPO)Humana · PPO6 of 115 counties · drug deductible $700Part B giveback $72/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$72 Part B giveback | $5,250 | $4,386 | 4★ |
| 33 | Humana Value Choice (PPO)Humana · PPO61 of 115 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $4,400 | $4,400 | 4.5★ |
| 34 | Humana Value Choice (PPO)Humana · PPO6 of 115 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $0 | $4,400 | $4,400 | 4.5★ |
| 35 | AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS)UnitedHealthcare · HMO-POS15 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 36 | Anthem Medicare Advantage (HMO-POS)Anthem HealthKeepers · HMO-POS10 of 115 counties · drug deductible $210Dental up to $2,500/yr · eyewear $150/yr · hearing aids $1,500/yr · OTC items $288/yr | $0 | $4,450 | $4,450 | 3★ |
| 37 | Anthem Medicare Advantage (HMO-POS)Anthem HealthKeepers · HMO-POS8 of 115 counties · drug deductible $210Dental up to $2,500/yr · eyewear $200/yr · hearing aids $1,500/yr · OTC items $320/yr | $0 | $4,450 | $4,450 | 3★ |
| 38 | CMH Medicare Advantage (HMO)Cox HealthPlans · HMO5 of 115 counties · drug deductible $500Dental up to $3,000/yr · eyewear $200/yr · hearing aids $575/yr per ear · OTC items $80/yr | $0 | $4,450 | $4,450 | 4★ |
| 39 | Essence Advantage Select (HMO)Essence Healthcare · HMO13 of 115 counties · drug deductible $450Dental up to $2,900/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 40 | Humana Value Choice (PPO)Humana · PPO63 of 115 counties · drug deductible $700Dental up to $3,000/yr · eyewear $150/yr | $0 | $4,450 | $4,450 | 4★ |
| 41 | Humana Value Choice (PPO)Humana · PPO6 of 115 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 42 | Phelps Health Medicare Advantage (HMO)Cox HealthPlans · HMO5 of 115 counties · drug deductible $500Dental up to $3,000/yr · eyewear $200/yr · hearing aids $575/yr per ear · OTC items $80/yr | $0 | $4,450 | $4,450 | 4★ |
| 43 | DEVOTED CORE 023 MO (HMO)Devoted Health · HMO4 of 115 counties · drug deductible $650Dental up to $3,750/yr · eyewear $300/yr · OTC items $140/yr | $0 | $4,600 | $4,600 | 4★ |
| 44 | AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS)UnitedHealthcare · HMO-POS15 of 115 counties · drug deductible $685Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $19 | $4,450 | $4,678 | 3.5★ |
| 45 | AARP Medicare Advantage from UHC MO-0005 (HMO-POS)UnitedHealthcare · HMO-POS29 of 115 counties · drug deductible $595Dental up to $4,000/yr · eyewear $125/yr · hearing aids $700/yr | $25 | $4,450 | $4,750 | 3.5★ |
| 46 | HumanaChoice Giveback H5216-404 (PPO)Humana · PPO27 of 115 counties · drug deductible $700Part B giveback $61/mo · Dental up to $4,000/yr · eyewear $100/yr | $0−$61 Part B giveback | $5,500 | $4,768 | 4★ |
| 47 | HumanaChoice Giveback H7617-014 (PPO)Humana · PPO27 of 115 counties · drug deductible $700Part B giveback $58/mo · Dental up to $4,000/yr · eyewear $100/yr | $0−$58 Part B giveback | $5,500 | $4,804 | 4.5★ |
| 48 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO50 of 115 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $4,900 | $4,900 | 4★ |
| 49 | Aetna Medicare Elite Classic Extra (PPO)Aetna Medicare · PPO50 of 115 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $4,900 | $4,900 | 4★ |
| 50 | Aetna Medicare Value Plus (HMO)Aetna Medicare · HMO8 of 115 counties · drug deductible $400Dental up to $2,000/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $440/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 51 | AARP Medicare Advantage from UHC KC-0003 (HMO-POS)UnitedHealthcare · HMO-POS32 of 115 counties · drug deductible $595Dental up to $2,500/yr · eyewear $125/yr · hearing aids $1,000/yr | $55 | $4,450 | $5,110 | 3.5★ |
| 52 | DEVOTED GIVEBACK 002 MO (HMO)Devoted Health · HMO12 of 115 counties · drug deductible $461Part B giveback $164.80/mo · Dental up to $250/yr · eyewear $200/yr | $0−$164.80 Part B giveback | $7,150 | $5,172 | 4★ |
| 53 | DEVOTED GIVEBACK 004 MO (HMO)Devoted Health · HMO27 of 115 counties · drug deductible $461Part B giveback $164.70/mo · Dental up to $250/yr · eyewear $200/yr | $0−$164.70 Part B giveback | $7,150 | $5,174 | 4★ |
| 54 | DEVOTED GIVEBACK 006 MO (HMO)Devoted Health · HMO26 of 115 counties · drug deductible $461Part B giveback $164.70/mo · Dental up to $250/yr · eyewear $200/yr | $0−$164.70 Part B giveback | $7,150 | $5,174 | 4★ |
| 55 | DEVOTED GIVEBACK 010 MO (HMO)Devoted Health · HMO12 of 115 counties · drug deductible $461Part B giveback $159.90/mo · Dental up to $250/yr · eyewear $200/yr | $0−$159.90 Part B giveback | $7,150 | $5,231 | 4★ |
| 56 | Essence Advantage Prime (HMO)Essence Healthcare · HMO7 of 115 counties · drug deductible $700Dental up to $700/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $120/yr | $0 | $5,400 | $5,400 | 4★ |
| 57 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS48 of 115 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $1,250/yr per ear | $0 | $5,500 | $5,500 | 3.5★ |
| 58 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO21 of 115 counties · drug deductible $700Dental up to $1,000/yr · eyewear $175/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 59 | Aetna Medicare Signature Classic (PPO)Aetna Medicare · PPO21 of 115 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 60 | Aetna Medicare Value Plus (HMO-POS)Aetna Medicare · HMO-POS58 of 115 counties · drug deductible $400Dental up to $2,000/yr · eyewear $475/yr · hearing aids $1,250/yr per ear · OTC items $600/yr | $0 | $5,500 | $5,500 | 3.5★ |
| 61 | Aetna Medicare Value Plus (HMO)Aetna Medicare · HMO21 of 115 counties · drug deductible $400Dental up to $2,500/yr · eyewear $300/yr · hearing aids $1,250/yr per ear · OTC items $440/yr | $1.50 | $5,500 | $5,518 | 3.5★ |
| 62 | DEVOTED CHOICE GIVEBACK 002 MO (PPO)Devoted Health · PPO25 of 115 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $200/yr | $0−$118 Part B giveback | $7,150 | $5,734 | Too new to rate |
| 63 | AARP Medicare Advantage from UHC MO-0007 (HMO-POS)UnitedHealthcare · HMO-POS16 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 64 | Aetna Medicare Elite Classic (PPO)Aetna Medicare · PPO50 of 115 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $5,900 | $5,900 | 4★ |
| 65 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO7 of 115 counties · drug deductible $700Part B giveback $95/mo · Dental up to $500/yr · eyewear $100/yr | $0−$95 Part B giveback | $7,150 | $6,010 | 3★ |
| 66 | Essence Advantage Premier Plus (PPO)Essence Healthcare · PPO11 of 115 counties · drug deductible $700hearing aids $500/yr | $264 | $2,900 | $6,068 | 4★ |
| 67 | Humana Full Access (PPO)Humana · PPO17 of 115 counties · drug deductible $500Dental up to $2,500/yr · eyewear $150/yr | $0 | $6,350 | $6,350 | 4★ |
| 68 | DEVOTED GIVEBACK EXTRAS 024 MO (HMO)Devoted Health · HMO4 of 115 counties · drug deductible $700Part B giveback $70/mo · Dental up to $4,000/yr · eyewear $350/yr · OTC items $536/yr | $0−$70 Part B giveback | $7,300 | $6,460 | 4★ |
| 69 | Humana Full Access (PPO)Humana · PPO17 of 115 counties · drug deductible $500Dental up to $2,500/yr · eyewear $150/yr | $0 | $6,600 | $6,600 | 4.5★ |
| 70 | Aetna Medicare Enhanced Extra (HMO-POS)Aetna Medicare · HMO-POS36 of 115 counties · drug deductible $700Dental up to $3,000/yr · eyewear $350/yr · hearing aids $1,250/yr per ear · OTC items $240/yr | $59 | $5,900 | $6,608 | 3.5★ |
| 71 | AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS)UnitedHealthcare · HMO-POS32 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $6,700 | $6,700 | 3.5★ |
| 72 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO8 of 115 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $6,750 | $6,750 | 4★ |
| 73 | Aetna Medicare Signature Classic (PPO)Aetna Medicare · PPO8 of 115 counties · drug deductible $700Dental up to $2,500/yr · eyewear $400/yr · hearing aids $1,250/yr per ear · OTC items $380/yr | $0 | $6,750 | $6,750 | 4★ |
| 74 | Aetna Medicare Signature Classic (PPO)Aetna Medicare · PPO8 of 115 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $6,750 | $6,750 | 4★ |
| 75 | Humana Gold Plus H0028-017 (HMO)Humana · HMO5 of 115 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $22 | $6,800 | $7,064 | 4.5★ |
| 76 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS49 of 115 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $7,100 | $7,100 | 3★ |
| 77 | Wellcare Simple Open (PPO)Wellcare · PPO58 of 115 counties · drug deductible $700Dental | $0 | $7,100 | $7,100 | 3★ |
| 78 | AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS)UnitedHealthcare · HMO-POS15 of 115 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 79 | AARP Medicare Advantage Essentials from UHC MO-4 (HMO-POS)UnitedHealthcare · HMO-POS29 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 80 | AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)UnitedHealthcare · HMO-POS32 of 115 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 81 | AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS)UnitedHealthcare · HMO-POS29 of 115 counties · drug deductible $685Dental up to $3,000/yr · eyewear $125/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 82 | AARP Medicare Advantage from UHC KC-4 (PPO)UnitedHealthcare · PPO32 of 115 counties · drug deductible $685hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 83 | AARP Medicare Advantage from UHC MO-0002 (PPO)UnitedHealthcare · PPO15 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 84 | AARP Medicare Advantage from UHC MO-0006 (HMO-POS)UnitedHealthcare · HMO-POS27 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 85 | AARP Medicare Advantage from UHC MO-0009 (PPO)UnitedHealthcare · PPO29 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 86 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO8 of 115 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $160/yr | $0 | $7,150 | $7,150 | 4★ |
| 87 | HealthSpring True Choice (PPO)HealthSpring · PPO7 of 115 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $6 | $7,150 | $7,222 | 3★ |
| 88 | AARP Medicare Advantage from UHC KC-5 (PPO)UnitedHealthcare · PPO5 of 115 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $19 | $7,150 | $7,378 | 4★ |
| 89 | Aetna Medicare Enhanced (HMO-POS)Aetna Medicare · HMO-POS17 of 115 counties · drug deductible $700Dental up to $2,500/yr · eyewear $300/yr · hearing aids $1,250/yr per ear · OTC items $180/yr | $54 | $6,750 | $7,398 | 3.5★ |
| 90 | Humana Gold Plus H0028-016 (HMO-POS)Humana · HMO-POS22 of 115 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $22 | $7,550 | $7,814 | 4.5★ |
| 91 | AARP Medicare Advantage from UHC ST-0001 (PPO)UnitedHealthcare · PPO15 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $58 | $7,150 | $7,846 | 4★ |
| 92 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO12 of 115 counties · drug deductible $700Dental up to $500/yr · eyewear $150/yr · hearing aids $750/yr per ear | $59 | $7,150 | $7,858 | 4★ |
| 93 | Essence Advantage Choice (PPO)Essence Healthcare · PPO9 of 115 counties · drug deductible $700Dental up to $400/yr · eyewear $175/yr · hearing aids $500/yr | $0 | $8,200 | $8,200 | 4★ |
| 94 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO52 of 115 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $120/yr | $70 | $7,500 | $8,340 | 4★ |
| 95 | Aetna Medicare Enhanced Classic (PPO)Aetna Medicare · PPO52 of 115 counties · drug deductible $700Dental up to $1,500/yr · eyewear $250/yr · hearing aids $1,250/yr per ear · OTC items $120/yr | $70 | $7,500 | $8,340 | 4★ |
| 96 | DEVOTED GIVEBACK 022 MO (HMO)Devoted Health · HMO4 of 115 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $200/yr | $0−$118 Part B giveback | $9,850 | $8,434 | 4★ |
| 97 | Humana Gold Choice H8145-006 (PFFS)Humana · PFFS57 of 115 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $60 | $7,800 | $8,520 | 4★ |
| 98 | HumanaChoice R1532-002 (Regional PPO)Humana · Regional PPOAll 115 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $119 | $7,700 | $9,128 | 3.5★ |
| 99 | HumanaChoice H7617-007 (PPO)Humana · PPO34 of 115 counties · drug deductible $700Dental · eyewear $100/yr | $60 | $9,250 | $9,970 | 4.5★ |
| 100 | HumanaChoice H5216-032 (PPO)Humana · PPO62 of 115 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $76 | $9,250 | $10,162 | 4★ |
| 101 | Essence Advantage Choice (PPO)Essence Healthcare · PPO13 of 115 counties · drug deductible $700Dental up to $825/yr · eyewear $175/yr · hearing aids $500/yr | $40 | $9,850 | $10,330 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 12 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Aetna Medicare Eagle (HMO-POS)Aetna Medicare · HMO-POS20 of 115 countiesPart B giveback $150/mo · Dental up to $3,500/yr · eyewear $425/yr · hearing aids $1,250/yr per ear · OTC items $500/yr | $0−$150 Part B giveback | $3,400 | $1,600 | 3.5★ |
| 2 | Wellcare Patriot Giveback Open (PPO)Wellcare · PPO58 of 115 countiesPart B giveback $95/mo · Dental up to $3,000/yr · eyewear $300/yr · hearing aids $2,500/yr per ear | $0−$95 Part B giveback | $4,000 | $2,860 | 3★ |
| 3 | Humana USAA Honor Giveback (PPO)Humana · PPO112 of 115 countiesPart B giveback $150/mo · Dental up to $1,500/yr · eyewear $200/yr | $0−$150 Part B giveback | $4,700 | $2,900 | 4★ |
| 4 | Humana USAA Honor Giveback (PPO)Humana · PPO106 of 115 countiesPart B giveback $150/mo · Dental up to $1,500/yr · eyewear $200/yr | $0−$150 Part B giveback | $4,700 | $2,900 | 4.5★ |
| 5 | Aetna Medicare Eagle (HMO-POS)Aetna Medicare · HMO-POS60 of 115 countiesPart B giveback $150/mo · Dental up to $2,500/yr · eyewear $300/yr · hearing aids $1,250/yr per ear · OTC items $320/yr | $0−$150 Part B giveback | $4,900 | $3,100 | 3.5★ |
| 6 | Aetna Medicare Eagle (HMO-POS)Aetna Medicare · HMO-POS30 of 115 countiesPart B giveback $140/mo · Dental up to $2,000/yr · eyewear $225/yr · hearing aids $1,250/yr per ear · OTC items $180/yr | $0−$140 Part B giveback | $5,500 | $3,820 | 3.5★ |
| 7 | AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS)UnitedHealthcare · HMO-POS83 of 115 countiesPart B giveback $170/mo · Dental up to $2,500/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$170 Part B giveback | $5,900 | $3,860 | 3.5★ |
| 8 | Humana USAA Honor Giveback (Regional PPO)Humana · Regional PPOAll 115 countiesPart B giveback $37/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$37 Part B giveback | $5,500 | $5,056 | 3.5★ |
| 9 | AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS)UnitedHealthcare · HMO-POS32 of 115 countiesPart B giveback $160/mo · Dental up to $2,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$160 Part B giveback | $7,150 | $5,230 | 3.5★ |
| 10 | AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO)UnitedHealthcare · PPO32 of 115 countiesPart B giveback $115/mo · Dental up to $1,500/yr · eyewear $125/yr · hearing aids $700/yr | $0−$115 Part B giveback | $7,150 | $5,770 | 4★ |
| 11 | Anthem Veteran (PPO)Anthem Blue Cross and Blue Shield · PPO18 of 115 countiesPart B giveback $70/mo · Dental up to $2,500/yr · eyewear $200/yr · hearing aids $2,000/yr · OTC items $260/yr | $0−$70 Part B giveback | $6,751 | $5,911 | 3★ |
| 12 | Humana Gold Choice H8145-126 (PFFS)Humana · PFFS35 of 115 countiesDental up to $1,750/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
County pages
Boone County · Cass County · Clay County · Franklin County · Greene County · Jackson County · Jasper County · Jefferson County · Platte County · St. Charles County · St. Louis County · St. Louis City
Questions
How many Medicare Advantage plans are available in Missouri for 2027?
CMS lists 101 general-audience Medicare Advantage plans with drug coverage in Missouri for 2027, from 9 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Missouri?
Yes. 79 of the 101 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Missouri Medicare Advantage plan has the lowest worst-case cost?
Humana Community (HMO-POS) from Humana: $0 a month with an in-network out-of-pocket maximum of $2,000, so at most about $2,000 in premiums and in-network costs for the year. It is offered in 14 of 115 counties.
Which Missouri Medicare Advantage plans have 4 or more stars?
67 of the 101 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Missouri Medicare Advantage plans have a Part B giveback?
20 of the 101 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $164.80 a month, from DEVOTED GIVEBACK 002 MO (HMO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Missouri?
The median in-network out-of-pocket maximum among these plans is $5,450. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
Keep going
Other states
Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming