Best Medicare Supplement Plans in Missouri

Medicare Supplement plans in Missouri offer health care coverage to fill in payment gaps for coinsurance, copayments, and deductibles that Original Medicare does not cover.

  • In Missouri, Medicare Supplement Plan G is the best plan for 2022.
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High Deductible Plan G and Plan N are the second most popular after Plan G.

Best Comprehensive Coverage: Medicare Supplement Plan G

If your Medicare start date was after Jan. 1, 2020, the most comprehensive plan for supplemental coverage is Medicare Plan G. If your start date was before Jan. 1, 2020, you could choose between Plan G and Plan F. Plan G offers good cost savings compared to Plan F for people who can choose between these two plans.

Best Value: Medicare Supplement Plan N

Medicare Plan N offers excellent cost savings for people who want comprehensive coverage and are willing to give up certain benefits in exchange for lower monthly premiums. Medicare Part N offers basic benefits with low copays of up to $20 for an office visit and up to $50 for an emergency department visit. If you are admitted, the ER copay will be waived.

Best for Lowest Premiums: High-Deductible Plan G

The Medicare High-Deductible Plan G offers the same benefits as the original Plan G. However, it has an annual deductible of $2,490 that you must meet before your coverage starts paying. It is much cheaper than the original Plan G.

Best for Full Coverage: Medicare Supplement Plan F

Medicare Plan F offers the most comprehensive benefits to Medicare enrollees. However, you must have been enrolled in Medicare before Jan. 1, 2020, to enroll in Plan F. If you were enrolled in Medicare before that date and have Plan F, you are allowed to keep it.

Medicare Supplement Insurance Cost in Missouri

For a non-smoking 65-year-old female in Jasper County, Missouri, here is the average monthly premium based on three different available plans:

65-Year-Old Female Non-tobacco

Plan F $183.18

Plan G $134.80

Plan N $128.87

When can I apply for a Medicare Supplement plan?

Once you become eligible for Medicare coverage at age 65, you can enroll in original Medicare. You will then have an initial Medigap open enrollment period for six months after the effective date of your Medicare Part B.

During the Medigap open enrollment period, a Medicare insurance company cannot refuse to sell Medigap policies to beneficiaries who purchase them within the open enrollment period.

You will enjoy more plan options and better rates during the initial open enrollment period. However, once the initial open enrollment period ends, you might not be able to purchase Medigap insurance based on a current or past health condition. If you can buy a plan after the open enrollment period, its pricing might be more expensive.

An insurer can impose a six-month waiting period before covering treatment for pre-existing conditions. However, periods of creditable coverage can be deducted from this waiting period. You might also have guaranteed issue rights in some circumstances where private insurance companies are not allowed to impose a six-month waiting period for pre-existing conditions.

It is important to note that the annual election period for Medicare Part D and Medicare Advantage plans does not apply to Medicare supplement plans in Missouri. Part D and Medicare Advantage plans have an annual election period from Oct. 15 to Dec. 7 each year, but it does not apply to Medigap plans. A licensed insurance agent can help you compare the coverage offered by different Medigap insurance plans and their pricing to help you make the best choice.

FAQ:

What is the Medigap Anniversary Rule in Missouri?

In Missouri, the Missouri Medicare Supplement Anniversary Guaranteed Issue Rule allows you the option to renew your existing Medigap plan with the same company or to change to a new plan or company. In addition, you can switch insurance companies during the 30 days before or after the anniversary date of your Medigap plan.

If you change to a new company but keep the same plan, you cannot be denied coverage and will not have to go through a six-month waiting period. But if you change Medigap plans, you will likely undergo an underwriting process before getting approved.

Can I be denied Medigap coverage?

You cannot be denied coverage if you apply for a Medigap insurance plan during the initial open enrollment period. However, suppose you want to change your plan to a more comprehensive plan during the annual period around your anniversary date. In that case, you could be denied coverage if you do not pass the underwriting process.

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 most of the nation's top-rated Medigap carriers, such as Aetna, Cigna, Mutual of Omaha, and Florida Blue Medicare. Give us a call, 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. We educate you on the best Medicare plans for your situation, then let you decide.

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