Medicare Advantage Plans in Missouri 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Missouri has about 43 percent Medicare Advantage penetration. St. Louis and Kansas City have competitive markets with 30 or more plans each. Rural Missouri, particularly in the Ozarks and the Bootheel region, has limited options and thinner provider networks.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Missouri.
Rural Coverage Note
Parts of Missouri have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Missouri Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Missouri
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Missouri
Missouri's Medigap market reflects its geographic split. Urban residents on both sides of the state have good Advantage options, but rural Missourians often find Medigap provides more predictable and reliable access to care.