Best Medicare Supplement Plans in Missouri (2026)

Monthly premiums for Medicare Supplement coverage in Missouri range from $92 to $254 for seniors aged 65, offering strong financial protection across all plan types. Our analysis of the lowest-cost providers across 10 standardized Medigap plans identified several companies with competitive rates that won't strain your budget.

Transamerica has the best rates across six popular plans, including Plan K at $92 per month, Plan L at $136 per month and Plan D at $207 per month. The company also offers Plan B at $215 monthly, Plan M at $168 monthly and Plan C at $254 monthly. Old Surety provides Plan A, MedMutual Protect handles Plan F and LifeShield National covers Plans G and N to complete Missouri's most affordable options. These low-cost choices save Missouri seniors up to $105 per month compared to average state rates.

*These rates reflect Medigap premiums for 65-year-olds.

Your needs differ from the popular choices above. Use the table to find the best Missouri Medicare Supplement company for your situation.

At 65 in Missouri, Medicare Supplement premiums range from $116 to $336 a month. The plan letter drives the price, but the benefits for the same letter don’t change between insurers. So it pays to compare prices. 

Plan K averages $116, the cheapest option. Plan F averages $336, the priciest (and it’s only available if you became eligible for Medicare before January 1, 2020). Plan G, Missouri’s most popular choice, averages $261. Plan N runs $213, while Plan M averages $168, Plan L averages $188 and Plan A averages $222.

Medicare Supplement plans in Missouri are standardized by federal law, so Plan G offers identical benefits regardless of which company sells it. Knowing each plan's coverage helps you balance monthly premiums against potential out-of-pocket costs.

Learn More: What Does Medicare Cover and Not Cover?

Once you’ve settled on a Medigap plan letter, the next move is picking the right Missouri insurer. The coverage is standardized, but your premium, customer experience and future rate increases can look very different from one company to the next.

Missouri beneficiaries seeking guidance on Medicare Supplement plans can connect with these state-sponsored programs and agencies: 

• Missouri SHIP (State Health Insurance Assistance Program): Formerly called Missouri CLAIM, this certified program connects Medicare beneficiaries with trained volunteer counselors who compare Medicare Supplement plans, Medicare Advantage options and Part D prescription coverage during free one-on-one sessions. Missouri SHIP has 200+ counselors statewide and partners with community organizations throughout Missouri. Call (800) 390-3330 for counseling appointments or visit their website for local counselor locations.
• Missouri Department of Commerce and Insurance - Division of Consumer Affairs: File complaints about Medicare Supplement insurers through the Consumer Affairs Division, which investigates billing disputes, claim delays and coverage denials. Insurance companies must respond within 20 days after receiving complaints. Call the Insurance Consumer Hotline at (800) 726-7390 or submit complaints online. The department also publishes annual Consumer Complaint Index reports that compare complaint rates for Medicare Supplement insurers operating in Missouri.
• Missouri Area Agencies on Aging: Ten regional agencies serve Missouri's 114 counties, connecting seniors to local support programs funded under the Older Americans Act. Each agency links adults 60 and older to nutrition services, transportation assistance, caregiver support and Medicare counseling through Missouri SHIP volunteers. Find your local Area Agency on Aging by calling the Missouri Senior Resource Line at (800) 235-5503.
• Medicare.gov: Compare Medicare Supplement plans available in your ZIP code using the plan finder tool. Search coverage options and costs from insurers licensed to sell Medigap policies in Missouri.

Frequently asked questions about Medigap coverage in Missouri answered below.

MoneyGeek collected data for all Medicare plans in Missouri for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Missouri based on three main categories to create a weighted score out of 5:

• Affordability (50%): Providers with the lowest monthly cost score higher.
• Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
• Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.