Missouri Health Insurance Plans – Compare And Shop Affordable MO Rates

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, 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 2020 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 2020 rates slightly reduced.

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 57 counties.

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.

Oscar – Oscar is a patient-oriented eight-year-old company that underwrites coverage in 15 states. Plans are available in the Kansas City area (Platte, Clay, Cass, and Jackson Counties).

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.

Note: Blue Cross Blue Shield Of Kansas City previously offered plans in 32 counties located in the Kansas City area, Northwest Missouri,  and two Kansas counties (Wyandotte and Johnson). With more than one million subscribers, they featured a wide variety of single and family plan options, including medical, dental, and travel coverage. However, they are not currently offering Marketplace plans. They continue to offer Senior Medicare Advantage, Supplement, Select, and Part D plans.

 

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 8150 – $40 copay for first three pcp office visits. $8,150 deductible with $8,150 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. $8,150 deductible with $8,150 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. $8,150 deductible with $8,150 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 Simple Secure – $0 copay for first three pcp office visits. $8,150 deductible with $8,150 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 5450 – $5,450 deductible with maximum out-of-pocket expenses of $8,150 and 30% coinsurance. All non-preventative expenses must meet deductible and coinsurance.

Anthem Bronze Pathway X 4950 – $4,950 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. All non-preventative expenses must meet deductible and coinsurance.

Anthem Bronze Pathway X 0 For HSA – HSA-eligible plan with $6,850 deductible with maximum out-of-pocket expenses of $6,850 and 0% coinsurance. All non-preventative expenses must meet deductible and coinsurance.

Anthem Bronze Pathway X 20 For HSA – HSA-eligible plan with $5,250 deductible with maximum out-of-pocket expenses of $6,850 and 20% coinsurance. All non-preventative expenses must meet deductible and coinsurance.

Anthem Bronze Pathway X 6350 – $6,350 deductible with maximum out-of-pocket expenses of $8,150 and 20% 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.

Cigna Connect 7000 – $7,000 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. $60 pcp office visit copay.

Cigna Connect 5900 – $5,900 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. $50 pcp office visit copay and $60 Urgent Care copay. Preferred generic drug copays are $10 (retail) and $30 (home delivery).

WellFirst Bronze HSA-E  6700X – HSA-eligible plan with $6,700 deductible with maximum out-of-pocket expenses of $6,700 and 00% coinsurance. All non-preventative expenses must meet deductible and coinsurance.

WellFirst Bronze Value Copay 8100X – $25 copay for first three pcp office visits. $8,150 deductible with $8,150 maximum out-of-pocket expenses and 0% coinsurance.

WellFirst Bronze Copay Plus 8100X – $30 and $60 office visit copays. $8,150 deductible with $8,150 maximum out-of-pocket expenses and 0% coinsurance. $15 preferred drug copay ($30 mail order).

Oscar Classic Bronze – $6,000 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance.  First two pcp office visits subject to $50 copay. $3 copay for generic drugs ($7.50 for 90-day home delivery).

Oscar Simple Bronze – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 00% coinsurance.  $75 Urgent Care copay. $3 copay for generic drugs ($7.50 for 90-day home delivery).

Ambetter Essential Care 1 – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. $20 copay for generic drugs ($50 for 90-day home delivery).

Medica Bronze Copay – $7,000 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. Office visit copays are $80 and $150. The Urgent Care copay is $80. The  generic, and preferred brand drug copays are $30, and $160.

Medica Bronze HSA – HSA-eligible plan with $6,400 deductible with maximum out-of-pocket expenses of $6,900 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).

 

Silver Plans

Anthem Silver Pathway X 6000 – $6,000 deductible with maximum out-of-pocket expenses of $8,150 and 35% coinsurance. $40 pcp office visits copay but specialist visits are subject to deductible.  Urgent Care copay is $75. Tier 1 and Tier 2 drug copays are $20 and $50.

Anthem Silver Pathway X 5500 – $5,500 deductible with maximum out-of-pocket expenses of $6,500 and 25% coinsurance. $30 pcp office visits copay but specialist visits are subject to deductible.  Tier 1 and Tier 2 drug copays are $20 and $50.

Anthem Silver Pathway X 4500 – $4,500 deductible with maximum out-of-pocket expenses of $6,800 and 20% coinsurance. $35 pcp office visits copay but specialist visits are subject to deductible.  Tier 1 and Tier 2 drug copays are $20 and $50.

Anthem Silver Pathway X 3950 – $3,950 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. $45 and $75 office visit copays. The Urgent Care copay is $75. Tier 1 and Tier 2 drug copays are $10 and $50 ($25 and $150 mail order).

Cigna Connect 5500 – $5,500 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. $25 and $75 office visit copays.  The Urgent Care copay is $35. $10 and $25 copays for preferred generic and non- preferred generic drugs.  90-day home delivery copays are $30 and $75.

Ambetter Balanced Care 11 – $6,000 deductible with maximum out-of-pocket expenses of $7,900 and 40% coinsurance. $30 and $60 office visit copays with $100 Urgent Care copay. $20 copay for generic drugs ($60 for 90-day home delivery). Preferred brand drug copays are $50 and $150.

Ambetter Balanced Care 5 – $7,350 deductible with maximum out-of-pocket expenses of $7,350 and 0% coinsurance. $40 and $80 office visit copays with $100 Urgent Care copay. $20 copay for generic drugs ($60 for 90-day home delivery). Preferred brand drug copays are $60 and $180.

Ambetter Balanced Care 4 – $7,050 deductible with maximum out-of-pocket expenses of $7,050 and 0% coinsurance. $30 and $60 office visit copays with $100 Urgent Care copay. $15 copay for generic drugs ($45 for 90-day home delivery). Preferred brand drug copays are $50 and $150.

 

Gold Plans

Ambetter Secure Care 1 with Three Free PCP Visits– $1,000 deductible with maximum out-of-pocket expenses of $6,350 and 20% coinsurance. First three pcp office visits are covered at 100%. $10 copay for generic drugs ($30 for 90-day home delivery). Preferred brand drug copays are $25 and $75. The non-preferred brand drug copays are $75 and $225.

Cigna Connect 1000 – $1,000 deductible with maximum out-of-pocket expenses of $7,000 and 20% coinsurance. $15 and $60 office visit copays. The Urgent Care copay is $75.  $8 and $15 copays for preferred generic and non- preferred generic drugs.  90-day home delivery copays are $24 and $45. Preferred brand copays are $50 and $150.

Anthem Gold Pathway X 1250 – $1,250 deductible with maximum out-of-pocket expenses of $7,900 and 10% coinsurance. $25 pcp office visits copay but specialist visits are subject to deductible.  Tier 1 and Tier 2 drug copays are $20 and $45.

 

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)

$16 – Cigna Connect 7000

$33 – Medica Bronze Copay

$95 – Medica Bronze HSA

$152 – Cigna Connect 6400

$160 – Ambetter Essential Care 1

 

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

$257 – Anthem Bronze Pathway X 5450

$259 – Anthem Bronze Pathway X 4950

$270 – Anthem Bronze Pathway X 0 For HSA

$282 – Anthem Bronze Pathway X 20 For HSA

$285 – Anthem Bronze Pathway X 6350

 

Camp Girardeau County – 62 Year-Old Married Couple (2 Persons) With $60,000 Household Income

$65 – Anthem Bronze Pathway X 5450

$73 – Anthem Bronze Pathway X 4950

$117 – Anthem Bronze Pathway X 0 For HSA

$164 – Anthem Bronze Pathway X 20 For HSA

$369 – Anthem Silver Pathway X 6000

 

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

$103 – AARP-UnitedHealthcare

$107 – Anthem

$113 – Humana

$131 – Transamerica

$140 – Lumico

$146 – Americo

$150 – Assured Life

$152 – Mutual Of Omaha

$167 – Cigna

$167 – Manhattan Life

$168 – Americo

$178 – Oxford Life

$201 – American Continental

$212 – Medico

$233 – Gerber

 

Plan C

$182 – AARP-UnitedHealthcare

$214 – Manhattan Life

 

Plan F (High Deductible)

$56 – Cigna

$60 – Humana

$60 – Mutual Of Omaha

$99 – American Continental

 

Plan F

$166 – Anthem

$184 – AARP-UnitedHealthcare

$190 – Lumico

$190 – Americo

$190 – Assured Life

$193 – Cigna

$196 – Humana

$208 – Manhattan Life

$221 – Mutual Of Omaha

$221 – Transamerica

$234 – Oxford Life

$316 – American Continental

$343 – Gerber

 

Plan G

$129 – Anthem

$141 – AARP-UnitedHealthcare

$143 – Transamerica

$143 – Lumico

$146 – Americo

$149 – Manhattan Life

$150 – Humana

$155 – Mutual Of Omaha

$163 – American Continental

$164 – Cigna

$176 – Oxford Life

$268 – Gerber

 

Plan N

$117 – Anthem

$120 – Lumico

$125 – Americo

$126 – Assured Life

$129 – Manhattan Life

$129 – AARP-UnitedHealthcare

$130 – Cigna

$132 – Humana

$136 – Mutual Of Omaha

$148 – Oxford Life

$171 – Transamerica

$191 – Medico

$193 – American Continental

 

Greene County

 

Plan A

$88 – AARP-UnitedHealthcare

$100 – Anthem

$115 – Humana

$117 – Transamerica

$124 – Lumico

$128 – Americo

$133 – Assured Life

$136 – Mutual Of Omaha

$144 – Oxford Life

$145 – Cigna

$145 – Manhattan Life

$173 – Medico

$197 – Gerber

 

Plan C

$182 – AARP-UnitedHealthcare

$186 – Manhattan Life

 

Plan F (High Deductible)

$48 – Cigna

$54 – Mutual Of Omaha

$58 – Humana

$94 – American Continental

 

Plan F

$154 – Anthem

$167 – Lumico Life

$167 – Americo

$167 – Cigna

$178 – Assured Life

$182 – Manhattan Life

$184 – AARP-UnitedHealthcare

$187 – Humana

$192 – Americo

$197 – Transamerica

$198 – Mutual Of Omaha

$206 – Oxford Life

$280 – Medico

$291 – Gerber

 

Plan N

$104 – AARP-UnitedHealthcare

$106 – Lumico Life

$110 – Anthem

$110 – Americo

$112 – Manhattan Life

$112 – Assured Life

$112 – Cigna

$126 – Humana

$130 – Mutual Of Omaha

$130 – Oxford Life

$152 – Transamerica

$156 – Medico

$183 – American Continental

 

Jefferson County

 

Plan A

$103 – AARP-UnitedHealthcare

$120 – Humana

$121 – Anthem

$131 – Transamerica

$140 – Lumico Life

$146 – Americo

$154 – Assured Life

$167 – Cigna

$167 – Manhattan Life

$175 – Mutual Of Omaha

$192 – Oxford Life

$212 – Medico

$220 – American Continental

 

Plan C

$182 – AARP-UnitedHealthcare

$214 – Manhattan Life

 

Plan F (High Deductible)

$53 – Aetna

$56 – Cigna

$60 – Humana

$64 – Mutual Of Omaha

$99 – American Continental

 

Plan F

$184 – AARP-UnitedHealthcare

$190 – Lumico Life

$190 – Americo

$192 – Aetna

$193 – Cigna

$194 – Anthem

$196 – Humana

$207 – Assured Life

$209 – Manhattan Life

$221 – Transamerica

$253 – Oxford Life

$254 – Mutual Of Omaha

$317 – American Continental

$342 – 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 Plan 1 – $24 monthly premium with $100 deductible and $3,400 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 $295 for days 1-5 and $0-$295. $20 for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $4, $14, and $47.

AARP Medicare Advantage Plan 2 – $0 monthly premium with $100 deductible and $3,700 maximum out-of-pocket expenses. Office visit copays are $0 and $45, 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, $14, 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 $3,900 maximum out-of-pocket expenses. Office visit copays are $5 and $45, and Urgent Care and ER copays are $45 and $95. Inpatient and outpatient hospital copays are $295 for days 1-6 and $250. $250 or 20% coinsurance for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $3, $6, and $47.

Freedom Plus – $0 monthly premium with $0 deductible and $3,500 maximum out-of-pocket expenses. Office visit copays are $5 and $25, and Urgent Care and ER copays are $50 and $90. Inpatient and outpatient hospital copays are $300 for days 1-5 and $220 or 20%. 20% coinsurance for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $3, $7, and $47.

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

UnitedHealthcare MedicareComplete Choice – $43 monthly premium with $195 deductible and $6,700 maximum out-of-pocket expenses. Office visit copays are $10 and $25, and Urgent Care and ER copays are $30-$40 and $90. Inpatient and outpatient hospital copays are $370 for days 1-5 and 20%. 20% coinsurance for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $4, $15, and $47.

 

Missouri Part D Prescription Drug Plan Monthly Rates

Humana Walmart Value Rx – $13.20 with $435 deductible and 3,114 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $4 (Tier 2), $47 (Tier 3), 35% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $12 (Tier 2), $141 (Tier 3), 35% (Tier 4), and n/a (Tier 5). 3.0 Summary Star Rating.

Humana Premier Rx Plan– $57.90 with $435 deductible and 3,197 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $4 (Tier 2), $42 (Tier 3), 44% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $12 (Tier 2), $126 (Tier 3), 44% (Tier 4), and n/a (Tier 5). 3.0 Summary Star Rating.

Humana Basic Rx– $29.60 with $435 deductible and 3,030 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $1 (Tier 2), 25% (Tier 3), 39% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $3 (Tier 2), 25% (Tier 3), 39% (Tier 4), and n/a (Tier 5). 3.0 Summary Star Rating.

Express Scrips Medicare Saver – $23.40 with $435 deductible and 2,892 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $4 (Tier 2), $30 (Tier 3), 48% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $12 (Tier 2), $90 (Tier 3), n/a (Tier 4), and n/a (Tier 5).

Express Scrips Medicare Value – $47.10 with $435 deductible and 2,965 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $3 (Tier 2), $25 (Tier 3), 44% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $9 (Tier 2), $75 (Tier 3), n/a (Tier 4), and n/a (Tier 5).

Express Scrips Medicare Choice – $89.00 with $250 deductible and 3,218 available formulary drugs. 30-day supply cost-sharing is $2 (Tier 1), $7 (Tier 2), $42 (Tier 3), 48% (Tier 4), and 28% (Tier 5). 90-day supply cost-sharing is $6 (Tier 1), $21 (Tier 2), $126 (Tier 3), n/a (Tier 4), and n/a (Tier 5).

SilverScript Choice – $30.90 with $295 deductible and 2,999 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $1 (Tier 2), $47 (Tier 3), 38% (Tier 4), and 27% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $3 (Tier 2), $141 (Tier 3), 38% (Tier 4), and n/a (Tier 5).

SilverScript Plus – $65.20 with $0 deductible and 3,044 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $2 (Tier 2), $47 (Tier 3), 50% (Tier 4), and 33% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $6 (Tier 2), $141 (Tier 3), 50% (Tier 4), and n/a (Tier 5).

AARP MedicareRx Walgreens – $34.20 with $435 deductible and 3,013 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $5 (Tier 2), $40 (Tier 3), 32% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $15 (Tier 2), $120 (Tier 3), 32% (Tier 4), and 25% (Tier 5).

AARP MedicareRx Preferred – $76.30 with $0 deductible and 3,500 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 33% (Tier 5).

AARP MedicareRx Saver Plus – $48.90 with $435 deductible and 3,056 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $8 (Tier 2), $28 (Tier 3), 35% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $15 (Tier 1), $30 (Tier 2), $135 (Tier 3), 40% (Tier 4), and 33% (Tier 5).

WellCare Classic – $29.70 with $435 deductible and 3,010 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $1 (Tier 2), $33 (Tier 3), 34% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $3 (Tier 2), $99 (Tier 3), 34% (Tier 4), and n/a (Tier 5).

WellCare Value Script – $16.70 with $435 deductible and 3,382 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $7 (Tier 2), $43 (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).

WellCare Wellness Rx – $13.70 with $435 deductible and 3,382 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).

WellCare Medicare Rx Select – $22.10 with $330 deductible and 3,388 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).

WellCare Medicare Rx Saver – $32.20 with $435 deductible and 3,108 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $2 (Tier 2), $28 (Tier 3), 37% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $6 (Tier 2), $84 (Tier 3), 37% (Tier 4), and n/a (Tier 5).

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).

Cigna-HealthSpring Rx Secure-Extra – $55.20 with $100 deductible and 3,254 available formulary drugs. 30-day supply cost-sharing is $4 (Tier 1), $10 (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).

Cigna-HealthSpring Rx Secure – $61.80 with $415 deductible and 3,191 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $3 (Tier 2), $30 (Tier 3), 36% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $9 (Tier 2), $90 (Tier 3), 36% (Tier 4), and n/a (Tier 5).

Mutual Of Omaha Rx Value – $28.70 with $415 deductible and 2,806 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $4 (Tier 2), 15% (Tier 3), 34% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $12 (Tier 2), 15% (Tier 3), n/a (Tier 4), and n/a (Tier 5).

For 2020, 28 PDP plans are available (17 enhanced and 11 basic) with an average monthly cost of $39.95. Four $0 deductible plans are offered with monthly rates of other plans ranging from $13.20 to $89. Six plans provide Donut Hole Gap Coverage. The average monthly premium  increase is about $5.51.

 

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

$41 – Blue KC $5,000 deductible and 20% coinsurance.

$51 – UnitedHealthcare $10,000 deductible and 20% coinsurance.

$55 – HCC Life $7,500 deductible and 20% coinsurance.

$55 – Blue KC $2,500 deductible and 20% coinsurance.

$73 – Blue KC $1,000 deductible and 20% coinsurance.

$79 – HCC Life $500 Deductible and 50% coinsurance.

$87 – National General $5,000 deductible and 0% coinsurance.

$98 – Blue KC $500 deductible and 20% 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.