Best Medicare Advantage Plans in St. Louis City, MO for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in St. Louis City, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
St. Louis City plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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★ |
| 2 | 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★ |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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★ |
| 13 | 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★ |
| 14 | 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★ |
| 15 | 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★ |
| 16 | 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★ |
| 17 | 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★ |
| 18 | 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★ |
| 19 | 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★ |
| 20 | 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★ |
| 21 | 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★ |
| 22 | 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★ |
| 23 | 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★ |
| 24 | Essence Advantage Premier Plus (PPO)Essence Healthcare · PPO11 of 115 counties · drug deductible $700hearing aids $500/yr | $264 | $2,900 | $6,068 | 4★ |
| 25 | 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★ |
| 26 | 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★ |
| 27 | 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★ |
| 28 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS49 of 115 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $7,100 | $7,100 | 3★ |
| 29 | Wellcare Simple Open (PPO)Wellcare · PPO58 of 115 counties · drug deductible $700Dental | $0 | $7,100 | $7,100 | 3★ |
| 30 | 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★ |
| 31 | 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★ |
| 32 | 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★ |
| 33 | 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★ |
| 34 | 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★ |
| 35 | 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★ |
| 36 | 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★ |
| 37 | 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★ |
| 38 | 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. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 45 in 2026, 45 in 2027.
- $0-premium plans: 35 in 2026, 33 in 2027.
- Median in-network out-of-pocket maximum: $4,500 in 2026, $4,900 in 2027.
- 18,095 people here were in a general-audience Advantage plan in October 2026; 410 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: Wellcare Patriot Giveback Open (PPO), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), Aetna Medicare Eagle (HMO-POS), AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS), Humana USAA Honor Giveback (Regional PPO), Anthem Veteran (PPO).
Questions
How many Medicare Advantage plans are in St. Louis City for 2027?
38 general-audience plans with drug coverage, 26 of them with a $0 monthly premium, compared with 45 plans and 35 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in St. Louis City?
Humana Total Complete (HMO) from Humana: $0 a month with an in-network out-of-pocket maximum of $2,850, so at most about $2,850 for the year in premiums and in-network costs.
Do any St. Louis City plans have a Part B giveback?
5 do. The largest is $164.80 a month off your Part B premium, from DEVOTED GIVEBACK 002 MO (HMO).
How many St. Louis City plans have 4 or more stars?
24 of 38, based on CMS's 2027 ratings of the contract behind each plan.
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.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
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. · Advertiser disclosure
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