Best Medicare Supplement Plans in Missouri (2026)

Monthly premiums for Missouri's cheapest Medicare Supplement providers range from $92 to $254 for 65-year-olds. Transamerica has the lowest rates across six popular plans: Plan K at $92 a month, Plan L at $136, Plan D at $207, Plan B at $215, Plan M at $168 and Plan C at $254. Old Surety has the lowest Plan A rate at $117 monthly. MedMutual Protect covers Plan F at $247, and LifeShield National covers Plans G and N at $201 and $154. These choices save Missouri seniors up to $105 a month compared to state averages.

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

The gap between the cheapest Plan G insurer and the state average is $60 a month, a Missouri senior who picks the average Plan G insurer instead of LifeShield National pays $720 more per year for identical benefits.

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 per month on average. 

Plan K averages $116 a month, the lowest of any plan type. Plan F averages $336, the highest and it's only available if you became eligible for Medicare before January 1, 2020. Plan G, Missouri's most popular choice, averages $261 a month. Plan N averages $213, Plan M averages $168, Plan L averages $188 and Plan A averages $222. Plan K costs $116 a month but absorb 50% of most costs up to an $8,000 annual cap. Plan G buyers pay $261 a month and have no cost-sharing after the Part B deductible. A senior with frequent doctor visits or prescriptions often saves more on Plan G than the $145 monthly premium difference suggests.

The $48 monthly gap between Plan G ($261) and Plan N ($213) exceeds the $50 spread between the cheapest and most expensive Plan G insurer in Missouri. Plan K costs $116 a month on average, the plan's 50% cost-sharing means a senior with one hospitalization can spend more out of pocket than a Plan G enrollee would all year.

Medicare Supplement plans in Missouri are standardized by federal law. Plan G from one insurer covers the same benefits as Plan G from any other. The decision comes down to your monthly premium, your expected out-of-pocket costs and how you use health care.

Learn More: What Does Medicare Cover and Not Cover?

Once you've settled on a Medigap plan letter, the plan benefits are fixed, every insurer selling Plan G in Missouri covers the same services. What differs is the monthly premium and pricing method. Rate history matters too, particularly for Issue Age plans.

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 similar coverage complaints. 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. Each agency links adults 60 and older to nutrition services, transportation and caregiver support, plus Medicare counseling through Missouri SHIP volunteers, all funded under the Older Americans Act. Each agency links adults 60 and older to nutrition services, transportation and caregiver support, plus 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.

If you use health care regularly, Plan G from LifeShield National at $201 monthly is the strongest option in MoneyGeek's Missouri analysis. It has the lowest Plan G rate in the state, $60 below the $261 average, and covers all Medicare gaps except the Part B deductible. You'll pay a known, predictable monthly premium with no surprise co-insurance bills. For Plan G buyers, every dollar over $201 per month goes to the same standardized benefits, the insurer choice is purely a cost decision.

If your health care needs are occasional, Plan N from LifeShield National at $154 a month saves $59 a month versus the state average. Plan N covers most Medicare costs with a copay of up to $20 for office visits and up to $50 for emergency room visits that don't result in inpatient admission. It doesn't cover Part B excess charges, so confirm your doctors accept Medicare assignment before enrolling. The $47 monthly gap between Plan N and Plan G adds up to $564 per year.

Budget-first seniors should price Plan K from Transamerica at $92 a month, Missouri's lowest-priced Medigap option, $24 below the $116 state average. Plan K covers only 50% of most Medicare costs until you hit the $8,000 annual out-of-pocket cap. Call Missouri SHIP at (800) 390-3330 if you're unsure whether Plan K's cost-sharing fits your financial situation.

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. 

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. Community Pricing scores 1.0, Issue-Age Pricing 0.8 and 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.