Find low-cost healthcare coverage in Missouri for individuals and families. Quality benefits and affordable rates are available from many top-rated companies that offer comprehensive, catastrophic, high-deductible, and Senior Medigap plans. Easily compare, review, and enroll in the best available medical plans in your area at the cheapest available cost. Since there is no underwriting, pre-existing conditions are covered, and your premium could substantially reduce if you qualify for a federal subsidy.

Our free MO instant health insurance quotes show you prices from major under-65 and Senior carriers, including Blue Cross Blue Shield of Kansas City, Humana, UnitedHealthcare, Cigna, Coventry, Healthy Alliance Life (Anthem), Ambetter, Cox Health Systems, Oscar, SSM, Aetna, and Medica. Small Group plans are also available from Aetna, Cox, Federated Mutual, and UnitedHealthcare. Many low-cost plans are also offered to the self-employed, students, persons that only need short-coverage, and small business owners seeking coverage for their employees.

Senior Missouri Medigap policies are also available if you have reached age 65 and are Medicare-eligible with Parts A and B covered. Supplement, Advantage, and Part D prescription drug plans can pay for many potential out-of-pocket costs, including copays, coinsurance, and deductibles. The Open Enrollment period (October 15th through December 7th) is also different than the under-65 OE period.

Missouri Companies Offering 2024 Private Individual Health Insurance (Under Age 65)

Cigna – Cigna is another large publicly-traded company that has a big individual, group, and Senior portfolio.  As a Fortune 100 Company, more than 15 million persons are covered worldwide.  Their Connect 3000, Connect 4000, and Connect HSA 5500 are very popular options in Missouri. More than 50,000 persons are covered with Exchange plans and their average 2022 rates decreased about 9%.

Anthem Blue Cross And Blue Shield – Healthy Alliance Life was previously purchased by Anthem Blue Cross Blue Shield. BCBS has one of the biggest US networks, with thousands of doctors, specialists, and additional medical facilities. PPO and HMO options are offered, along with short-term plans for applicants that need only temporary benefits. Dental, vision, and term life coverage is also offered.

Ambetter – Ambetter plans are available in many states, and are offered through Centene Corporation, a Fortune 500 company  with more than three decades of managed-care experience. Typically, their plan rates are extremely competitive. Coverage is offered in all counties except Lewis, Marion, Schuyler, and Scotland.

Medica – Available in the Kansas City metropolitan area, Medica offers access to the St. Lukes Health System, Stormont Vail Health providers, and additional eastern Kansas and western Missouri doctors and facilities. More than 25 hospitals are included in the network. With less than 4,000 members, Medica does not have a large market share. Coverage, however, is available in 57 counties.

Oscar – Oscar is a patient-oriented eight-year-old company that underwrites coverage in 15 states. Plans are available in the Kansas City area and the following 10 counties: Clay, Franklin, Jackson, Jefferson, Lincoln, Platte, Saint Charles, Saint Louis, Saint Louis City, and Warren.

Cox Health Systems – Cox specializes in coverage in the Southwestern portion of the state with six hospitals and 80 clinics. Plans are offered in seven Springfield-area counties. They are Webster, Taney, Stone, Lawrence, Greene, Christian, and Barry.

SSM Health – SSM is a Catholic non-profit organization that provides benefits in four states.  Plans are available in St. Louis (city), St. Louis County, and St. Charles County.

Blue Cross Blue Shield Of Kansas City originally offered plans in counties located in the Kansas City area, Northwest Missouri, and two Kansas counties (Wyandotte and Johnson). With more than one million subscribers, they feature a wide variety of single and family plan options, including medical, dental, and travel coverage.

Aetna, one of the nation’s largest insurers, returns to offer  plans in 30 counties. CVS-affiliated facilities are included in their network.

UnitedHealthcare – UHC returns after a 7-year absence.  As one of the nation’s largest carriers, they feature a large nationwide network, and a strong non-ACA portfolio including competitive  short-term options.

 

2024 Single Risk Pool Proposed Average Rate Filings (Changes)

Individual Plans

Aetna – 6.09% increase

BCBS Of Kansas City – 4.30% decrease

Celtic (Ambetter) – 4.36% increase

Cox Health Systems – 2.77% decrease

Healthy Alliance Life (Anthem) – 4.40% increase

Medica – 0.19% decrease

Oscar – 1.40% increase

SSM – 18.71% increase

UnitedHealthcare – 5.79% increase

Small Group Plans

Aetna Health – 8.70% decrease

Aetna Life – 2.15% decrease

BCBS Of Kansas City – 6.89% decrease

Cigna – 16.69% increase

Cox Health Systems – 4.33% increase

Healthy Alliance (Anthem) – 6.82% increase

UnitedHealthcare – 9.23% increase

Compare health insurance plans in Misoouri - Single, Family, and Medicare.

Affordable Missouri Health Insurance Is Available During And After Open Enrollment

Most Affordable Missouri Health Insurance Plans (Under Age 65)

Catastrophic Plans

Anthem BCBS Catastrophic Pathway X 9100 – $40 copay for first three pcp office visits. $9,100 deductible with $9,100 maximum out-of-pocket expenses and 0% coinsurance. Plan is only available to applicants under age 30, or applicants that can prove “financial hardship.”

SSM Health WellFirst Catastrophic Safety Net – $0 copay for first three pcp office visits. $9,100 deductible with $9,100 maximum out-of-pocket expenses and 0% coinsurance. Plan is only available to applicants under age 30, or applicants that can prove “financial hardship.”

Medica Bronze Catastrophic – $30 copay for first three pcp office visits ($20 for retail health clinics). $9,100 deductible with $9,100 maximum out-of-pocket expenses and 0% coinsurance. Plan is only available to applicants under age 30, or applicants that can prove “financial hardship.”

Oscar Secure – $0 copay for first three non-preventative  office visits. $9,100 deductible with $9,100 maximum out-of-pocket expenses and 0% coinsurance. Plan is only available to applicants under age 30, or applicants that can prove “financial hardship.”

 

Bronze Plans

Anthem Bronze Pathway X 9100/ 0% Standard – $9,100 deductible with maximum out-of-pocket expenses of $9,100 and 0% coinsurance.

Anthem Bronze Pathway X 6500 – $6,500 deductible with maximum out-of-pocket expenses of $9,100 and 40% coinsurance. $50 and $85 office visit copays and $75 Urgent Care copay. Deductible and coinsurance applies to all prescriptions.

Anthem Bronze Pathway X 0% For HSA – HSA-eligible plan with $7,050 deductible with maximum out-of-pocket expenses of $7,450 and 0% coinsurance. All non-preventative expenses must meet deductible and coinsurance.

Anthem Bronze Pathway X 20% For HSA – HSA-eligible plan with $5,900 deductible with maximum out-of-pocket expenses of $7,000 and 20% coinsurance. All non-preventative expenses must meet deductible and coinsurance.

Anthem Bronze Pathway X 6800 – $6,800 deductible with maximum out-of-pocket expenses of $9,100 and 40% coinsurance. $30 and $60 office visit copays for the first two visits.  Urgent Care copay is $75. Tier 1 and Tier 2 drug copays are $20 and $50 ($60 and $150 mail order).

Cigna Simple Choice 9100 – $9,100 deductible with maximum out-of-pocket expenses of $9,100 and 0% coinsurance.

Cigna Connect 6250 – $6,250 deductible with maximum out-of-pocket expenses of $9,100 and 50% coinsurance. $50 pcp office visit copay. $75 Urgent Care copay. Generic drug copays are $10 (retail) and $25 (home delivery).

WellFirst Bronze HSA-E  7000X – HSA-eligible plan with $7,000 deductible with maximum out-of-pocket expenses of $7,000 and 0% coinsurance. All non-preventative expenses must meet deductible and coinsurance.

WellFirst Bronze Standard 9100X –  $9,100 deductible with $9,100 maximum out-of-pocket expenses and 0% coinsurance.

WellFirst Bronze Copay Plus 8650X – $30 office visit copay. $8,000 deductible with $9,100 maximum out-of-pocket expenses and 20% coinsurance. $15 preferred drug copay.

WellFirst Bronze Value Copay 9050X – $100 pcp office visit copay for first three visits. $9,050 deductible with $9,050 maximum out-of-pocket expenses and 0% coinsurance. $15 preferred drug copay.

Oscar Bronze Simple– $9,100 deductible with maximum out-of-pocket expenses of $9,100 and 0% coinsurance.

Oscar Bronze Classic – $7,750 deductible with maximum out-of-pocket expenses of $9,100 and 50% coinsurance. $50 copay for first pcp office visit.  $75 Urgent Care copay. $3 and $30 copays for generic 1A and 1B drugs.

Oscar Bronze Classic – Standard – $7,500 deductible with maximum out-of-pocket expenses of $9,000 and 50% coinsurance. $50 and $100 office visit copays.  $75 Urgent Care copay. $25 copays for generic 1A and 1B drugs.

Ambetter CMS Standard Bronze – $9,100 deductible with maximum out-of-pocket expenses of $9,100 and 0% coinsurance. Unlimited virtual care visits at no charge.

Ambetter Clear Bronze – $8,600 deductible with maximum out-of-pocket expenses of $8,600 and 0% coinsurance. $5 and $25 copays for preferred generic and generic drugs ($12.50 and $62.50 for 90-day home delivery). Unlimited virtual care visits at no charge.

Medica Bronze Standard – $9,100 deductible with maximum out-of-pocket expenses of $9,100 and 00% coinsurance.

Medica Bronze Copay $0 PCP – $7,500 deductible with maximum out-of-pocket expenses of $9,100 and 50% coinsurance. $0 and $150 office visit copays. $0 Urgent Care copay. The preferred generic and preferred brand drug copays are $25 and $200.

Medica Bronze Premier – $1,500 deductible with maximum out-of-pocket expenses of $9,100 and 50% coinsurance. $0 and $160 office visit copays. $0 Urgent Care copay. The preferred generic and preferred brand drug copays are $30 and $200.

Medica Bronze HSA – HSA-eligible plan with $6,800 deductible with maximum out-of-pocket expenses of $7,050 and 20% coinsurance. All non-preventative expenses must meet deductible and coinsurance.

Cox Health Plans Bronze Connect 1 – $8,000 deductible with $8,000 maximum out-of-pocket expenses and 0% coinsurance. $20 copay for generic drugs ($50 for 90-day home delivery).

Aetna CVS Bronze 8700 – $8,700 deductible with $8,700 maximum out-of-pocket expenses and 0% coinsurance.

 

Silver Plans

Anthem Silver Pathway X 6800 – $6,800 deductible with maximum out-of-pocket expenses of $8,700 and 35% coinsurance. $45 pcp office visits copay but specialist visits are subject to deductible.  Urgent Care copay is $75. Tier 1 and Tier 2 drug copays are $10 and $30.

Anthem Silver Pathway X 6000 – $6,000 deductible with maximum out-of-pocket expenses of $8,500 and 25% coinsurance. $30 pcp office visits copay but specialist visits are subject to deductible. $75 Urgent Care copay. Tier 1 and Tier 2 drug copays are $10 and $40.

Anthem Silver Pathway X 4500 – $4,500 deductible with maximum out-of-pocket expenses of $7,500 and 20% coinsurance. $35 pcp office visits copay but specialist visits are subject to deductible.  Tier 1 and Tier 2 drug copays are $10 and $40. $75 Urgent Care copay.

Anthem Silver Pathway X 2950 for HSA – $2,950 deductible with maximum out-of-pocket expenses of $6,000 and 20% coinsurance. HSA-eligible.

Cigna Connect 5500 – $5,500 deductible with maximum out-of-pocket expenses of $8,700 and 40% coinsurance. $25 and $80 office visit copays.  The Urgent Care copay is $35. $3 and $25 copays for preferred generic and generic drugs. 90-day home delivery copays are $7.50 and $62.50.

Cigna Connect 7300 – $7,300 deductible with maximum out-of-pocket expenses of $8,700 and 0% coinsurance. $40 and $80 office visit copays.  The Urgent Care copay is $35. $0 and $35 copays for preferred generic and non- preferred generic drugs.  90-day home delivery copays are $0 and $87.50. Preferred brand drug copays are $75 and $225.

Cigna Connect 4500 – $4,500 deductible with maximum out-of-pocket expenses of $8,700 and 50% coinsurance. $35 and $80 office visit copays.  The Urgent Care copay is $35. $3 and $25 copays for preferred generic and non- preferred generic drugs.  90-day home delivery copays are $7.50 and $62.50.

Ambetter Balanced Care 11 – $6,000 deductible with maximum out-of-pocket expenses of $8,500 and 40% coinsurance. $30 and $60 office visit copays with $60 Urgent Care copay. $5 and $20 copays for preferred generic and generic drugs ($12.50 and $50 for 90-day home delivery). Preferred brand drug copays are $55 and $138.50. $30 copay for lab and professional services.

Ambetter Balanced Care 129 – $5,450 deductible with maximum out-of-pocket expenses of $8,650 and 35% coinsurance. $25 pcp office visit copay with $60 Urgent Care copay. $5 and $25 copays for preferred generic and generic drugs ($12.50 and $75 for 90-day home delivery). Preferred brand drug copays are $75 and $187.50. $40 copay for lab and professional services.

Ambetter Balanced Care 32 – $8,100 deductible with maximum out-of-pocket expenses of $8,700 and 50% coinsurance. $45 and $100 office visit copays with $60 Urgent Care copay. $20 copay for generic drugs ($50 for 90-day home delivery). Preferred brand drug copays are $60 and $150. $40 copay for outpatient lab and professional services. $5 and $25 copays for preferred generic and generic drugs ($12.50 and $75 for 90-day home delivery). Preferred brand drug copays are $75 and $187.50. $50 copay for lab and professional services.

Ambetter Balanced Care 126 – $5,450 deductible with maximum out-of-pocket expenses of $8,100 and 30% coinsurance. $25 and $50 office visit copays with $60 Urgent Care copay. $25 copay for generic drugs ($62.50 for 90-day home delivery). Preferred brand drug copays are $50 and $125. $25 copay for outpatient lab and professional services.

Ambetter Balanced Care 30 – $6,100 deductible with maximum out-of-pocket expenses of $6,100 and 0% coinsurance.

WellFirst Health HSA-E 4500X – HSA-eligible plan with $4,500 deductible with maximum out-of-pocket expenses of $6,900 and 20% coinsurance.

WellFirst Health Silver Classic 5000X –  $5,000 deductible with maximum out-of-pocket expenses of $8,550 and 20% coinsurance. $15 preferred generic drug copay and $50 non-preferred generic drug copays.

Medica Silver Copay – $6,000 deductible with maximum out-of-pocket expenses of $8,550 and 40% coinsurance. Office visit copays are $45 and $110. The Urgent Care copay is $45. The  generic, and preferred brand drug copays are $10 and $120.

Oscar Silver Saver 2 – $6,200 deductible with maximum out-of-pocket expenses of $8,550 and 50% coinsurance. $40 office visit copays with $75 Urgent Care copay. $3 copay for generic drugs ($7.50 for mail order). Preferred brand drug copays are $75 and $187.50.

 

Gold Plans

Ambetter Secure Care 5– $1,450 deductible with maximum out-of-pocket expenses of $6,500 and 20% coinsurance. $15 and $35 office visit copays with $35 Urgent Care copay. $15 copay for generic drugs ($37.50 for 90-day home delivery). Preferred brand drug copays are $30 and $75. $15 copay for lab outpatient and professional services.

Anthem BCBS Gold Pathway X 1250 – $1,250 deductible with maximum out-of-pocket expenses of $8,550 and 15% coinsurance. $25 pcp office visit copay. The Urgent Care copay is $75.  $20 and $45 copays for generic and preferred brand drugs/ non-preferred generic drugs.

Cigna Connect 1000 – $1,000 deductible with maximum out-of-pocket expenses of $7,000 and 25% coinsurance. $20 and $60 office visit copays with $50 Urgent Care copay.  $20 and $50 copays for preferred generic and generic drugs.  90-day home delivery copays are $60 and $150. Preferred brand drug copays are $50 and $150.

WellFirst Gold Value Copay 3700X – $3,700 deductible with maximum out-of-pocket expenses of $3,700 and 0% coinsurance. $25 pcp office visit copay for the first three visits but specialist visits are subject to deductible.  Preferred generic drug copay is $15.

WellFirst Gold Value Copay 1500X – $1,500 deductible with maximum out-of-pocket expenses of $5,100 and 20% coinsurance. $30 and $60 office visit copays  Preferred generic drug copay is $15. Non-preferred generic and preferred brand drug copays are $50.

Medica MO Gold Share – $550 deductible with maximum out-of-pocket expenses of $7,900 and 35% coinsurance. Generic and preferred brand drug copays are $5 and $80.

Medica MO Select Gold Copay – $850 deductible with maximum out-of-pocket expenses of $7,900 and 30% coinsurance. $30 and $75 office visit copays. Generic and preferred brand drug copays are $5 and $80.

 

Sample Under-65 Monthly Rates For Different Areas

St. Louis County – 35 Year-Old With $27,000 Household Income

$64 – WellFirst Bronze HSA-E  6700X

$68 – WellFirst Bronze Value Copay 8100

$70 – WellFirst Bronze Copay Plus 8100X

$105 – Cigna Connect 7000

$107 – Ambetter Essential Care 1

St. Louis County – 40 Year-Old Married Couple With Two Children (4 Persons) With $80,000 Household Income

$326 – WellFirst Bronze HSA-E  6700X

$339 – WellFirst Bronze Value Copay 8100

$347 – WellFirst Bronze Copay Plus 8100X

$466 – Cigna Connect 7000

$472 – Ambetter Essential Care 1

Jackson County – 55 Year-Old With $36,000 Household Income

$169 – Cigna Connect 7000

$170 – Oscar Classic Bronze

$174 – Oscar Simple Bronze

$178 – Cigna Connect 5900

$178 – Ambetter Essential Care 1

Jackson County – 30 Year-Old Married Couple With One Child (3 Persons) With $40,000 Household Income (Child Covered By CHIP)

$81 – Cigna Connect 7000

$82 – Oscar Classic Bronze

$85 – Oscar Simple Bronze

$90 – Cigna Connect 5900

$90 – Ambetter Essential Care 1

Camp Girardeau County – 45 Year-Old With $45,000 Household Income

$157 – Anthem Bronze Pathway X 4950

$158 – Anthem Bronze Pathway X 5450

$170 – Anthem Bronze Pathway X 0 For HSA

$187 – Anthem Bronze Pathway X 20 For HSA

$196 – Anthem Bronze Pathway X 6350

Camp Girardeau County – 63 Year-Old Married Couple (2 Persons) With $65,000 Household Income

$0 – Anthem Bronze Pathway X 6350

$0 – Anthem Bronze Pathway X 0 For HSA

$0 – Anthem Bronze Pathway X 20 For HSA

$0 – Anthem Bronze Pathway X 5450

$0 – Anthem Bronze Pathway X 4950

St. Charles County – 55 Year-Old With $45,000 Household Income

$193 – WellFirst Bronze HSA-E 6700X

$200 – WellFirst Value Copay 8100X

$204 – WellFirst Bronze Copay Plus 8100X

$268 – Cigna Connect 7000

$271 – Ambetter Essential Care 1

St. Charles County – 55 Year-Old Married Couple And Child (3 Persons) With $80,000 Household Income

$227 – WellFirst Bronze HSA-E 6700X

$243 – WellFirst Value Copay 8100X

$253 – WellFirst Bronze Copay Plus 8100X

$402 – Cigna Connect 7000

$410 – Ambetter Essential Care 1

Missouri Health Insurance Coverage For Seniors

The Missouri Department of Insurance regulates the carriers that offer plans to Seniors.  Eleven Supplement plan options are available from many participating companies. Generally, you must be enrolled in Medicare Part A and Part B to apply for Medigap benefits. A six-month Open Enrollment period is provided when Part B begins. Most persons become eligible for Medicare when they reach age 65. Additional eligibility is available for persons that have been diagnosed with Lou Gehrig’s Disease or end-stage renal disease. Persons disabled and receiving Social Security income for 24 months should also qualify.

Supplement plans (A-N) are issued by licensed insurance companies. M and N policies are typically the least expensive option. Part C (Advantage contracts) are also provided insurers, and often cost significantly less than Supplement plans. Often, prescription drug benefits are included. Otherwise, separate Part D plans can be purchased. Premiums on all contracts are usually billed monthly, although additional options are offered. Customers are also entitled to a refund of the unused portion of the policy, if the cancellation request is received before the end of the year. We compare Medicare Supplement plans and rates, so consumers can easily view their best options.

The Missouri Rx plan can help pay for some of the out-of-pocket prescription costs from Part D coverage. The Department of Social Services provides specific information regarding how to apply, enrollment process, and specific benefits. The application is short and there are no costs to sign up. Benefits include coverage for 50% of copays and gaps for 31-day prescriptions. However, you must continue to pay for your Medigap plan premium. Any pharmacy that  accepts your Part D plan can be utilized, and there is no maximum amount of brand or generic drug expenses that will be paid by the program. Unfortunately, a 90-day supply of medications does not qualify for coverage.

Missouri Medicare Supplement Rates (Female Monthly Age 65)

St. Louis, St. Charles, Clay, And Jackson Counties

Plan A

$110 – AARP-UnitedHealthcare

$115 – Anthem

$127 – Humana

$128 – United World Life

$134 – United American

$139 – Aetna

$148 – SBLI USA Life

$150 – Elips Life

$151 – National Health

$152 – Accendo

$155 – Medico

$171 – Manhattan Life

$172 – Lumico Life

$179 – Americo

$199 – Cigna

$216 – Oxford Life

$229 – GPM Health

$244 – Assured Life

Plan C

$202 – Americo

$259 – United American

$268 – Humana

$285 – AARP-UnitedHealthcare

Plan F (High Deductible)

$52 – Cigna

$53 – Medico

$53 – Humana

$61 – National Health

Plan F

$174 – AARP-UnitedHealthcare

$174 – Anthem

$182 – Aetna

$186 – Humana

$188 – Americo

$192 – Lumico

$193 – Assured Life

$201 – Cigna

$223 – Mutual Of Omaha

$238 – Transamerica

$241 – Manhattan Life

$273 – Oxford Life

$376 – Medico

Plan G

$128 – Anthem

$133 – AARP-UnitedHealthcare

$141 – Aetna

$142 – Humana

$144 – Lumico

$145 – Mutual Of Omaha

$145 – Americo

$146 – Assured Life

$152 – Cigna

$154 – Transamerica

$155 – Manhattan Life

$177 – Oxford Life

Plan N

$115 – AARP-UnitedHealthcare

$116 – Anthem

$120 – Lumico

$121 – Assured Life

$124 – Americo

$125 – Humana

$127 – Aetna

$127 – Mutual Of Omaha

$131 – Manhattan Life

$133 – Cigna

$172 – Oxford Life

$183 – Transamerica

$210 – Medico

Greene County

Plan A

$84 – AARP-UnitedHealthcare

$95 – Anthem

$109 – Aetna

$115 – Humana

$124 – Assured Life

$125 – Lumico Life

$126 – Transamerica

$127 – Americo

$138 – Mutual Of Omaha

$146 – Manhattan Life

$151 – Cigna

$168 – Oxford Life

$191 – Medico

Plan C

$171 – AARP-UnitedHealthcare

$199 – Manhattan Life

Plan F (High Deductible)

$45 – Cigna

$45 – Aetna

$50 – Mutual Of Omaha

$55 – Humana

Plan F

$170 – Anthem

$174 – Aetna

$182 – Lumico Life

$183 – AARP-UnitedHealthcare

$184 – Americo

$187 – Cigna

$195 – Humana

$211 – Assured Life

$212 – Transamerica

$222 – Oxford Life

$225 – Manhattan Life

$273 – Mutual Of Omaha

$308 – Medico

Plan N

$103 – AARP-UnitedHealthcare

$114 – Lumico Life

$115 – Anthem

$121 – Americo

$122 – Aetna

$122 – Manhattan Life

$123 – Cigna

$126 – Humana

$132 – Assured Life

$140 – Oxford Life

$143 – Mutual Of Omaha

$164 – Transamerica

$172 – Medico

Jefferson County

Plan A

$99 – AARP-UnitedHealthcare

$115 – Anthem BCBS

$120 – Humana

$122 – Aetna

$135 – Accendo

$141 – Transamerica

$142 – Lumico Life

$144 – Americo

$154 – Mutual Of Omaha

$168 – Manhattan Life

$169 – Assured Life

$174 – Cigna

$207 – Oxford Life

$233 – Medico

Plan C

$171 – AARP-UnitedHealthcare

$229 – Manhattan Life

Plan F (High Deductible)

$51 – Aetna

$52 – Cigna

$56 – Mutual Of Omaha

$57 – Humana

Plan F

$174 – AARP-UnitedHealthcare

$182 – Aetna

$188 – Americo

$189 – Accendo

$192 – Lumico Life

$201 – Cigna

$203 – Anthem BCBS

$204 – Humana

$228 – Assured Life

$238 – Transamerica

$241 – Manhattan Life

$269 – Mutual Of Omaha

$273 – Oxford Life

$376 – Medico

 

Missouri Medicare Advantage Plans

Other than hospice, Advantage contracts offer all of the benefits available through original Medicare. Hospice, however, is still covered if you opt out of Medicare. Often, premiums are lower, and extra benefits (dental and vision) are included with each policy. Shown below are available PPO, HMO, and PFFS Advantage plans (prescription coverage included) with their deductible and maximum annual out-of-pocket expenses. Prices, benefits, and availability may vary, depending upon your county of residence. SNP plans are not listed.

AARP Medicare Advantage from UHC (PPO) – $34 monthly premium with $0 deductible and $3,800 maximum out-of-pocket expenses. Office visit copays are $0 and $0-$30, and Urgent Care and ER copays are $0-$40 and $120. Inpatient and outpatient hospital copays are $295 for days 1-6 and $0-$295. In-network copays of $5 for diagnostic tests and procedures and $0 for lab services. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $5, and $45. 3,634 formulary drugs available.

AARP Medicare Advantage from UHC (HM)-POS) – $0 monthly premium with $0 deductible and $2,900 maximum out-of-pocket expenses. Office visit copays are $0 and $0-$25, and Urgent Care and ER copays are $0-$40 and $135. Inpatient and outpatient hospital copays are $245 for days 1-8 and $0-$245. In-network copays of $50 for diagnostic tests and procedures and $0 for lab services. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $6, and $47. 3,634 formulary drugs available.

AARP Medicare Walgreens – $0 monthly premium with $0 deductible and $3,900 maximum out-of-pocket expenses. Office visit copays are $0 and $40, and Urgent Care and ER copays are $40 and $90. Inpatient and outpatient hospital copays are $300 for days 1-5 and $0-$250. In-network copays of $15 for diagnostic tests and procedures and $0 for lab services. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $0, and $47.

AARP Medicare Advantage Plan 1 – $0 monthly premium with $0 deductible and $2,900 maximum out-of-pocket expenses. Office visit copays are $0 and $25, and Urgent Care and ER copays are $40 and $90. Inpatient and outpatient hospital copays are $245 for days 1-8 and $0-$250. In-network copays of $15 for diagnostic tests and procedures and $0 for lab services. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $12, and $47.

AARP Medicare Advantage Plan 2 – $0 monthly premium with $0 deductible and $3,400 maximum out-of-pocket expenses. Office visit copays are $0 and $35, and Urgent Care and ER copays are $40 and $90. Inpatient and outpatient hospital copays are $325 for days 1-8 and $0-$295. In-network copays of $15 for diagnostic tests and procedures and $0 for lab services. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $10, and $47.

Aetna Medicare Premier Prime – $0 monthly premium with $0 deductible and $4,500 maximum out-of-pocket expenses. Office visit copays are $5 and $30, and Urgent Care and ER copays are $30 and $90. Inpatient and outpatient hospital copays are $325 for days 1-6 and $0-$280. In-network copays of $0-$30 for diagnostic tests and procedures and $0 for lab services. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $0, and $47.

Aetna Medicare Elite – $0 monthly premium with $0 deductible and $4,500 maximum out-of-pocket expenses. Office visit copays are $0 and $35, and Urgent Care and ER copays are $35 and $120. Inpatient and outpatient hospital copays are $325 for days 1-6 and $0-$250. In-network copays of $0-$35 for diagnostic tests and procedures and $0 for lab services.  Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $0, and $47.

Aetna Medicare Gold Advantage Prime – $0 monthly premium with $0 deductible and $3,450 maximum out-of-pocket expenses. Office visit copays are $0 and $35, and Urgent Care and ER copays are $35 and $120. Inpatient and outpatient hospital copays are $295 for days 1-8 and $0-$325. In-network copays of $0-$35 for diagnostic tests and procedures and $0 for lab services. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $0, and $47.

Aetna Medicare Premier Advantra – $51 monthly premium with $200 deductible and $6,000 maximum out-of-pocket expenses. Office visit copays are $15 and $45, and Urgent Care and ER copays are $45 and $90. Inpatient and outpatient hospital copays are $315 for days 1-5 and $275. $250 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $0, and $47.

Aetna Medicare Advantra 2 – $81 monthly premium with $0 deductible and $2,100 maximum out-of-pocket expenses. Office visit copays are $5 and $35, and Urgent Care and ER copays are $35 and $120. Inpatient and outpatient hospital copays are $275 for days 1-5 and $250. $75 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $0, and $47.

Aetna Medicare Advantra 1 – $33 monthly premium with $0 deductible and $5,200 maximum out-of-pocket expenses. Office visit copays are $10 and $45, and Urgent Care and ER copays are $45 and $90. Inpatient and outpatient hospital copays are $295 for days 1-5 and $275. $125 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $0, and $47.

Allwell Medicare – $0 monthly premium with $0 deductible and $3,400 maximum out-of-pocket expenses. Office visit copays are $0 and $35, and Urgent Care and ER copays are $45 and $90. Inpatient and outpatient hospital copays are $300 for days 1-5 and $300. $0-$35 copays for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $5, and $37.

Anthem MediBlue Access Basic – $0 monthly premium with $150 deductible and $6,700 maximum out-of-pocket expenses. Office visit copays are $10 and $40, and Urgent Care and ER copays are $35 and $90. Inpatient and outpatient hospital copays are $295 for days 1-7 and $0-$285. $0-$165 copays coinsurance for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $4, $13, and $42.

Anthem MediBlue Access  – $39 monthly premium with $0 deductible and $5,000 maximum out-of-pocket expenses. Office visit copays are $5 and $35, and Urgent Care and ER copays are $30 and $90. Inpatient and outpatient hospital copays are $295 for days 1-6 and $0-$270. $0-$165 copays coinsurance for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $4, $13, and $42.

Anthem MediBlue Plus – $0 monthly premium with $0 deductible and $3,400 maximum out-of-pocket expenses. Office visit copays are $0 and $35, and Urgent Care and ER copays are $30 and $120. Inpatient and outpatient hospital copays are $310 for days 1-8 and $0-$285. $0-$210 copays for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $4, $13, and $42.

CoxHealth MedicarePlus – $0 monthly premium with $0 deductible and $3,200 maximum out-of-pocket expenses. Office visit copays are $5 and $35, and Urgent Care and ER copays are $45 and $120. Inpatient and outpatient hospital copays are $295 for days 1-6. $0 or 20% coinsurance for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $3, $6, and $47.

Humana Gold Plus – $0 monthly premium with $0 deductible and $3,400 maximum out-of-pocket expenses. Office visit copays are $5 and $45, and Urgent Care and ER copays are $5-$45 and $120. Inpatient and outpatient hospital copays are $295 for days 1-8 and $40-$295. $0-$90 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $6, $11, and $47.

Humana Gold Choice – $80 monthly premium with $195 deductible. Office visit copays are $15 and $45, and Urgent Care and ER copays are $15-$45 and $90. Inpatient and outpatient hospital copays are $295 for days 1-5 and $45 or 25%. $0-$45 or 25% copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $8, $15, and $47.

UnitedHealthcare Medicare Advantage Choice Plan 3 – $19 monthly premium with $245 deductible and $6,700 maximum out-of-pocket expenses. Office visit copays are $0 and $40, and Urgent Care and ER copays are $30-$40 and $90. Inpatient and outpatient hospital copays are $325 for days 1-5 and $0-$325. $20 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $4, $15, and $47.

UnitedHealthcare Medicare Advantage Choice Plan 2 – $48 monthly premium with $295 deductible and $6,700 maximum out-of-pocket expenses. Office visit copays are $10 and $50, and Urgent Care and ER copays are $30-$40 and $90. Inpatient and outpatient hospital copays are $370 for days 1-5 and $0-$370. $20 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $4, $15, and $47.

Wellcare Dividend – $0 monthly premium with $20 deductible and $6,700 maximum out-of-pocket expenses. Office visit copays are $5 and $50, and Urgent Care and ER copays are $65 and $90. Inpatient and outpatient hospital copays are $375 for days 1-5 and $250. $0-$50 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $15, and $45.

Wellcare Premier – $0 monthly premium with $0 deductible and $5,900 maximum out-of-pocket expenses. Office visit copays are $5 and $40, and Urgent Care and ER copays are $35 and $90. Inpatient and outpatient hospital copays are $300 for days 1-5 and $250. $0-$100 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $5, and $47.

Wellcare Value – $0 monthly premium with $0 deductible and $3,400 maximum out-of-pocket expenses. Office visit copays are $0 and $35, and Urgent Care and ER copays are $40 and $120. Inpatient and outpatient hospital copays are $275 for days 1-6 and $250. $0-$50 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $9, and $45.

 

Missouri Part D Prescription Drug Plan Monthly Rates

23 plans are available, including 14 enhanced plans. The most affordable plan is the SilverScript SmartSaver ($5.80 per month) and the most expensive plan is AARP MedicareRx Preferred ($116.40 per month). The average monthly cost of all plans is $48.56 and 5 plans cost less than $25 per month. 16 plans had rate increases and 5 plans had rate decreases.

Humana Walmart Value Rx – $30.50 with $505 deductible and 3,173 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $2 (Tier 2), 15% (Tier 3), 50% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $6 (Tier 2), 15% (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.0 Summary Star Rating with 1,338,693 members enrolled nationally. 38,593 Missouri members.

Humana Premier Rx Plan– $87.70 with $200 deductible and 3,239 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $4 (Tier 2), $45 (Tier 3), 49% (Tier 4), and 29% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $12 (Tier 2), $143 (Tier 3), 49% (Tier 4), and n/a (Tier 5). 3.0 Summary Star Rating with 872,688 members enrolled nationally. 20,218 Missouri members.

Humana Basic Rx– $37.30 with $505 deductible and 3,130 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $1 (Tier 2), 19% (Tier 3), 36% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $3 (Tier 2), 19% (Tier 3), 36% (Tier 4), and n/a (Tier 5). 3.0 Summary Star Rating with 1,206,799 members enrolled nationally. 28,188 Missouri members.

SilverScript Choice – $33.80 with $505 deductible and 3,486 available formulary drugs. 30-day supply cost-sharing is $2 (Tier 1), $7 (Tier 2), 17% (Tier 3), 35% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $6 (Tier 1), $21 (Tier 2), 17% (Tier 3), 35% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 3,035,101 members enrolled nationally. 65,271 Missouri members.

SilverScript Plus – $77.60 with $0 deductible and 3,572 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $0 (Tier 2), $47 (Tier 3), 50% (Tier 4), and 33% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $0 (Tier 2), $141 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 262,512 members enrolled nationally. 11,624 Missouri members.

SilverScript SmartSaver – $5.80 with $505 deductible and 3,641 available formulary drugs. 30-day supply cost-sharing is $2 (Tier 1), $15 (Tier 2), 25% (Tier 3), 50% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $6 (Tier 1), $45 (Tier 2), 25% (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 1,455,393 members enrolled nationally. 33,545 Missouri members.

AARP MedicareRx Walgreens – $29.40 with $310 deductible and 3,166 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $10 (Tier 2), $40 (Tier 3), 40% (Tier 4), and 27% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $30 (Tier 2), $120 (Tier 3), 40% (Tier 4), and 25% (Tier 5). 4.0 Summary Star Rating with 730,009 members enrolled nationally.

AARP MedicareRx Preferred – $101.10 with $0 deductible and 3,583 available formulary drugs. 30-day supply cost-sharing is $5 (Tier 1), $10 (Tier 2), $45 (Tier 3), 40% (Tier 4), and 33% (Tier 5). 90-day supply cost-sharing is $15 (Tier 1), $30 (Tier 2), $135 (Tier 3), 40% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 1,643,903 members enrolled nationally.

AARP MedicareRx Saver Plus – $58.60 with $480 deductible and 3,165 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $10 (Tier 2), $42 (Tier 3), 40% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $30 (Tier 2), $126 (Tier 3), 40% (Tier 4), and n/a (Tier 5). 4.0 Summary Star Rating with 878,540 members enrolled nationally.

WellCare Classic – $29.00 with $480 deductible and 3,110 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $8 (Tier 2), $35 (Tier 3), 33% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $24 (Tier 2), $105 (Tier 3), 33% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 1,473,307 members enrolled nationally.

WellCare Value Script – $15.40 with $445 deductible and 3,466 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $7 (Tier 2), $43 (Tier 3), 47% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $21 (Tier 2), $129 (Tier 3), 47% (Tier 4), and n/a (Tier 5). 4.0 Summary Star Rating with 749,029 members enrolled nationally.

WellCare Wellness Rx – $15.20 with $445 deductible and 3,466 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $3 (Tier 2), $40 (Tier 3), 46% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $9 (Tier 2), $120 (Tier 3), 46% (Tier 4), and n/a (Tier 5). 4.0 Summary Star Rating with 801,396 members enrolled nationally.

WellCare Medicare Rx Select – $23.30 with $330 deductible and 3,484 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $3 (Tier 2), $47 (Tier 3), 42% (Tier 4), and 27% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $9 (Tier 2), $141 (Tier 3), 42% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 557,602 members enrolled nationally.

WellCare Medicare Rx Saver – $35.50 with $445 deductible and 3,112 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $5 (Tier 2), $38 (Tier 3), 37% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $15 (Tier 2), $114 (Tier 3), 37% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 656,778 members enrolled nationally.

WellCare Medicare Rx Value Plus – $68.40 with $0 deductible and 3,388 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $4 (Tier 2), $47 (Tier 3), 50% (Tier 4), and 33% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $12 (Tier 2), $141 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 375,974 members enrolled nationally.

Cigna Secure Extra Rx – $50 with $100 deductible and 3,328 available formulary drugs. 30-day supply cost-sharing is $4 (Tier 1), $11 (Tier 2), $42 (Tier 3), 50% (Tier 4), and 31% (Tier 5). 90-day supply cost-sharing is $12 (Tier 1), $30 (Tier 2), $126 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 159,937 members enrolled nationally.

Cigna Secure Rx – $30.80 with $445 deductible and 3,233 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $2 (Tier 2), $41 (Tier 3), 50% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $6 (Tier 2), $123 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 530,416 members enrolled nationally.

Cigna Secure-Essential Rx – $23.90 with $445 deductible and 3,203 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $2 (Tier 2), 18% (Tier 3), 48% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $6 (Tier 2), 18% (Tier 3), 48% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 242,100 members enrolled nationally.

Mutual Of Omaha Rx Premier – $24.20 with $445 deductible and 2,995 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $2 (Tier 2), 23% (Tier 3), 44% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $6 (Tier 2), 23% (Tier 3), n/a (Tier 4), and n/a (Tier 5). 2.5 Summary Star Rating with 137,379 members enrolled nationally.

Mutual Of Omaha Rx Plus – $75.60 with $445 deductible and 2,950 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $2 (Tier 2), 20% (Tier 3), 37% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $6 (Tier 2), 20% (Tier 3), n/a (Tier 4), and n/a (Tier 5). 2.5 Summary Star Rating with 26,642 members enrolled nationally.

 

Need cheap healthcare benefits fast

Missouri Temporary Health Insurance Is Very Inexpensive

 

Temporary Medical Coverage

If your need is temporary, or you missed an Open Enrollment deadline, and need inexpensive major medical coverage, a short-term plan is one of your best options. Rates are low, underwriting is simplified, and applications are generally approved within 36 hours. A wide choice of deductibles is typically offered ($250-$5,000) with several coinsurance and benefit options. However, pre-existing conditions are not covered, only one policy renewal is offered, and not all companies offer this type of policy.

Illustrated below are sample monthly rates for several scenarios. The carriers that offer the most competitive short-term plan options are UnitedHealthcare, Blue Cross Blue Shield Of Kansas City, HCC Life, National General, and IHC Group.

Age 30 Male Residing In Kansas City

$57 – UnitedHealthcare $10,000 deductible and 30% coinsurance.

$70 – UnitedHealthcare $5,000 deductible and 30% coinsurance.

$72 – Everest $5,000 deductible and 50% coinsurance.

$83 – Everest $2,500 deductible and 50% coinsurance.

$87 – UnitedHealthcare $2,500 Deductible and 30% coinsurance.

$102 – Everest 1,000 deductible and 50% coinsurance.

Married Couple Ages 35 (2 Persons)  Residing In St. Louis

$102 – UnitedHealthcare $10,000 deductible and 20% coinsurance.

$107 – HCC Life $7,500 deductible and 20% coinsurance.

$166 – Blue KC $5,000 deductible and 20% coinsurance.

$194 – National General $5,000 deductible and 0% coinsurance.

$222 – HCC Life $500 Deductible and 50% coinsurance.

$227 – Blue KC $2,500 deductible and 20% coinsurance.

$324 – Blue KC $1,000 deductible and 20% coinsurance.

$409 – Blue KC $500 deductible and 20% coinsurance.

Age 50 Male Residing In Independence

$77 – Blue KC $5,000 deductible and 20% coinsurance.

$106 – Blue KC $2,500 deductible and 20% coinsurance.

$108 – UnitedHealthcare $10,000 deductible and 30% coinsurance.

$133 – UnitedHealthcare $5,000 deductible and 30% coinsurance.

$153 – Blue KC $1,000 deductible and 20% coinsurance.

$154 – HCC Life $7,500 deductible and 50% coinsurance.

$166 – UnitedHealthcare $2,500 deductible and 30% coinsurance.

$189 – Blue KC $5,00 deductible and 20% coinsurance.

$216 – National General $5,000 deductible and 20% coinsurance.

Female Age 55 Male Residing In Columbia

$141 – UnitedHealthcare $10,000 deductible and 30% coinsurance.

$149 – Companion Life $10,000 deductible and 20% coinsurance.

$153 – UnitedHealthcare $5,000 deductible and 30% coinsurance.

$181 – Companion Life $5,000 deductible and 20% coinsurance.

$209 – UnitedHealthcare $5,000 deductible and 20% coinsurance.

$217 – UnitedHealthcare $2,500 deductible and 30% coinsurance.

$227 – Everest $2,500 deductible and 50% coinsurance.

$251 – Everest $2,500 deductible and 20% coinsurance.