The Best Missouri Medicare Supplement Plans (2022)

For those looking for a Medicare Supplement plan in Missouri, there are 10 plans from which you can choose. However, some plans’ availability is dependent on when you qualify for Medicare. You can purchase the best Medigap Supplement Plans in Missouri from UnitedHealthcare.

You shouldn’t have a Medicare Advantage plan if you already have Medigap. Medicare Advantage Plans in Missouri replace all Medicare plans, including Original Medicare.

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Last Updated: 9/14/2022
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The cost of Medicare Supplement plans vary. While 65-year-old policyholders pay an average monthly premium of $160, 75-year-olds spend an average of $234 for coverage.

Plans G and F are the Medigap Supplement plans in Missouri that offer the most comprehensive protection. The level of protection makes them the most popular type of plan. You can purchase these for $189.10 and $285.74 per month on average, respectively.

Another sought-after plan type is Plan N. It offers the same coverage, except for excess charges. You can get this plan at an average monthly rate of $164.30.

MoneyGeek focused on ranking the best options for these three plans based on average premiums and benefits collected in our methodology. MoneyGeek’s guide can teach you how to find the best Medicare Supplement Plan and help you identify which letter plan fits your needs best.

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Best Medicare Supplement Plans in Missouri

Best Medicare Supplement Plan G in Missouri

MoneyGeek analyzed the various companies offering Medicare Supplement Plan G in Missouri and found that UnitedHealthcare is the best. It has the lowest cost among the companies we compared and has a range of discounts and benefits available.

It’s important to note that we only considered insurers who provide estimates online, giving the necessary information for the rankings. However, you can expand your options if you explore providers in Missouri who don’t offer online quotes.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $165.25

The difference in cost between UnitedHealthcare’s rate and the Missouri state-wide average of $217.50 is significant. UnitedHealthcare’s monthly average premium is $52.25 lower than the state average for Plan G.

UnitedHealthcare’s Plan G offers policyholders comprehensive coverage. You can also choose between multiple benefits to add to your policy.

For example, UnitedHealthcare’s Plan G offers Vision and Dental insurance. The former can help you with costs from routine eye exams to getting prescription or contact lenses. The latter allows you to choose coverage between basic dental care and extensive dental implants.

Other benefits from UnitedHealthcare include a 24/7 nurse line and Active Renew for fitness programs. You can even choose to carry coverage for medical and travel expenses abroad.

MORE ABOUT PLAN G IN MISSOURI

Navigate to learn more about Medigap Plan G in Missouri, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Missouri

Policyholders spend an average of $217.50 per month for Medigap Plan G in Missouri. Several factors affect your personalized rate, including your age on your first policy purchase, discounts or other medical underwriting considerations.

Policy premiums also vary between providers. For example, UnitedHealthcare offers Plan G for an average of $165.13, the most affordable in the state. In comparison, Cigna’s rate is around 30%, or $49.57, more expensive, costing $214.70 a month.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $165
  • Anthem
    $187
  • Cigna
    $215

Providers Offering Plan G in Missouri

You can purchase Plan G from 27 different companies in Missouri. Although you can get an online quote from some, you’ll need to reach others directly for information. MoneyGeek provides all their contract information and pricing styles, which tells you which ones are likely to charge more depending on age.

Providers Offering Plan G in Missouri

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  • Company
    Contact Number
    Pricing Style
  • Physicians Mutual
    1-800-325-6300
    Attained Age
  • UnitedHealthcare
    1-888-378-0849
    Issue-Age Pricing
  • Aetna
    800-358-8749
    Issue-Age Pricing
  • Americo
    888-220-7074
    Issue-Age Pricing
  • Anthem
    1-800-684-1893
    Issue-Age Pricing
  • Assured Life
    877-223-3666
    Issue-Age Pricing
  • Cigna
    1-855-891-9368
    Issue-Age Pricing
  • Colonial Penn
    1-877-877-8052
    Issue-Age Pricing

What Does Plan G Cover?

Like all Medigap Supplement plans in Missouri, Plan G is standardized, which means it has to have certain benefits. However, it doesn’t cover Plan B deductibles. You can customize your policy by including add-on coverage, such as UnitedHealthcare’s Vision or Dental insurance.

Required Benefits of Plan G in Missouri
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Missouri

MoneyGeek evaluated several companies to determine which offers the best Medigap Supplement Plan F in Missouri. Our results pointed to UnitedHealthcare as your best option. Although it doesn’t have the cheapest rate, its broad array of benefits earned it the top spot.

Remember that our analysis is limited to insurers with an online quote tool on their website. If you’re looking for additional providers, you may want to consider those that don’t give online estimates.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $308.75

The cost of UnitedHealthcare’s Plan F isn’t the cheapest in Missouri. Compared to the state’s average of $285.70 a month, UnitedHealthcare is 8% more expensive.

UnitedHealthcare’s benefits helped it earn top rank. Policyholders who travel may find its policy attractive because you can purchase coverage to protect you from emergency expenses while abroad. An example is SafeTrip, which includes insurance and non-insurance benefits.

You can also take advantage of UnitedHealthcare’s Optum NurseLine. It’s available 24/7 and can provide you with information about self-care, how to treat your illness and help you prepare for a doctor’s appointment.

Besides these, you can add vision and dental insurance, which can help you with various services and treatments in these fields. There’s also Active Renew, UnitedHealthcare’s fitness program.

MORE ABOUT PLAN F IN MISSOURI

Navigate to learn more about Medigap Plan F in Missouri, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Missouri

A Medicare Supplement Plan F in Missouri costs an average of $285.70, but it may vary depending on your provider.

The difference in rates between insurers can be significant. For instance, you’ll spend an average of $209.90 each month with Cigna. However, the same plan from Anthem, at $414.40, is almost double the amount.

Other factors affecting premiums are your age, medical underwriting conditions and whether or not you qualify for discounts.

Sort by Age:

75

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  • Company
    Sample Monthly Rate
  • Cigna
    $210
  • UnitedHealthcare
    $309
  • Anthem
    $414

Providers Offering Plan F in Missouri

There are 27 Medicare Supplement Plan F providers in Missouri. You can get the information you need through online estimates or reaching them directly using the contact details MoneyGeek provided. You can also check the pricing styles to see which are more likely to increase rates based on age.

Providers Offering Plan F in Missouri

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  • Company
    Contact Number
    Pricing Style
  • Physicians Mutual
    1-800-325-6300
    Attained Age
  • UnitedHealthcare
    1-888-378-0849
    Issue-Age Pricing
  • Aetna
    800-358-8749
    Issue-Age Pricing
  • Americo
    888-220-7074
    Issue-Age Pricing
  • Anthem
    1-800-684-1893
    Issue-Age Pricing
  • Assured Life
    877-223-3666
    Issue-Age Pricing
  • Cigna
    1-855-891-9368
    Issue-Age Pricing
  • Colonial Penn
    1-877-877-8052
    Issue-Age Pricing

What Does Plan F Cover?

Because Plan F is a standardized plan, it, along with all Medigap Supplement plans in Missouri, must include specific benefits.

Except for Plan F only covering 80% of your foreign travel expenses within your plan’s limits, the rest of the plan provides full comprehensive coverage. You can add other benefits besides the standard ones. An example is UnitedHealthcare’s Optum NurseLine or SafeTrip.

Required Benefits of Plan F in Missouri
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Missouri

MoneyGeek used average costs and available benefits to determine which provider offers the best Medigap Supplement Plan N in Missouri. UnitedHealthcare ranked first in our analysis. It has the lowest rate among the companies we compared and offers multiple benefits to its policyholders.

Remember that MoneyGeek’s rankings do not include all possible providers in the state; we only evaluated insurers offering online quotes. Expanding your search to cover those without an online quote tool may give you more options.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $144

The average cost of Medicare Supplement Plan N in Missouri is $189.30 per month. That’s 31.5% higher than the monthly premium UnitedHealthcare offers. Their plan offers rates that are $45.30 lower than the average rates in Missouri.

Besides an affordable monthly rate, UnitedHealthcare also offers multiple benefits to its policyholders. You can choose to add vision, hearing or dental insurance to your policy to make it fit your needs and preferences.

You can also reach a professional anytime with its Optum Nurse Line. It can help you make better decisions about your illness and potentially save you a trip to the emergency room.

Policyholders who maintain an active lifestyle can enroll in UnitedHealthcare’s Renew Active program. It provides a holistic approach to healthy aging by focusing on your physical and mental wellbeing.

MORE ABOUT PLAN N IN MISSOURI

Navigate to learn more about Medigap Plan N in Missouri, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Missouri

The average cost of Plan N in Missouri is $189.30 per month. Your actual quote may be for a different amount.

Several factors affect your rate, like your age on your first policy purchase, discounts availed and medical underwriting considerations.

Anthem’s Plan N is the most expensive in the state and costs $179.80 per month on average. Purchasing from UnitedHealthcare could save you $35.80 because of its rate of $144.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $144
  • Cigna
    $169
  • Anthem
    $180

Providers Offering Plan N in Missouri

Twenty-six companies offer Medicare Supplement Plan N in Missouri. Some have an online quote tool, but others don’t. You can still gather information by using the contact details MoneyGeek provided. You can also see which provider is more likely to increase rates due to age by its pricing method.

Providers Offering Plan N in Missouri

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swipe icon
  • Company
    Contact Number
    Pricing Style
  • Physicians Mutual
    1-800-325-6300
    Attained Age
  • UnitedHealthcare
    1-888-378-0849
    Issue-Age Pricing
  • Aetna
    800-358-8749
    Issue-Age Pricing
  • Americo
    888-220-7074
    Issue-Age Pricing
  • Anthem
    1-800-684-1893
    Issue-Age Pricing
  • Assured Life
    877-223-3666
    Issue-Age Pricing
  • Cigna
    1-855-891-9368
    Issue-Age Pricing
  • Colonial Penn
    1-877-877-8052
    Issue-Age Pricing

What Does Plan N Cover?

Plan N isn’t as comprehensive as Plans F and G, though all are standardized plans.

In Plan N, Plan B deductibles and excess charges aren’t covered, and foreign travel expenses within your plan’s limits only have 80% coverage. However, you can personalize your policy by getting an add-on benefit. An example is UnitedHealthcare’s Active Renew program.

Required Benefits of Plan N in Missouri
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Missouri: Other Plan Types

Besides Plans F, G and N, you can purchase other plan types in Missouri. However, these aren't as sought-after because they offer less comprehensive protection.

MoneyGeek determined that UnitedHealthcare is the best Medicare Supplement plans provider in Missouri, regardless of the letter plan. However, you can also purchase policies from Cigna and Anthem.

It is important to note that if you become eligible for Medicare after January 1, 2020, you will not be able to buy Plan C in Missouri or anywhere else.

The Best Medicare Supplement in Missouri - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $123.50

  • B

    UnitedHealthcare

    $175.00

  • C

    UnitedHealthcare

    $308.75

  • F

    UnitedHealthcare

    $308.75

  • G

    UnitedHealthcare

    $165.25

  • K

    UnitedHealthcare

    $71.25

  • L

    UnitedHealthcare

    $119.50

  • N

    UnitedHealthcare

    $144.00

How to Find the Best Medicare Supplement Plans in Missouri

You need to consider much information to understand Medicare Supplement in Missouri. It’s a complicated subject, which may become overwhelming.

MoneyGeek’s comparison chart of Medigap Supplement plans in Missouri can help you determine which best meets your requirements. It details essential information about the various plan types and includes pricing information for each.

Missouri Medicare Supplement Plans Comparison Chart

It’s best to compare Medigap Supplement plans in Missouri before deciding on which to purchase. You may also discover that some are not available to you.

For instance, you cannot buy the comprehensive coverage of Plans F and C if you are a new enrollee. Instead, you can consider Plans G and D, which have replaced Plans F and C.

You can use the chart to compare different plans, coverage levels and average costs.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Missouri

Your choice of plan and provider may affect your cost significantly. If you’re looking for affordable options, your best bet is UnitedHealthcare. It offers the cheapest option for all letter plans except for Plan F. Cigna offers the lowest rate for Plan F.

For Plan F, Cigna has the lowest rate.

Providers typically use one of three pricing methods, but Missouri insurers only utilize two:

  • Issue-Age: Your age when you bought your Medigap policy is the basis for your rate. Your premium does not increase as you get older, although it might change due to inflation. It’s the most commonly used pricing style in Missouri.
  • Attained-Age: This pricing style uses your current age to determine rates. It means the older you get, the more expensive your premium becomes.
Average Cost of Medicare Supplement in Missouri

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $124
  • Anthem
    $136
  • Cigna
    $231

FAQs About Medicare Supplement Plans in Missouri

It’s best to take some time and gather pertinent information before deciding which is the best Medigap Supplement plan in Missouri for you. MoneyGeek shares the most commonly asked questions to provide you with more details.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Missouri for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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