Best Medicare Supplement Plans in Missouri
Mutual of Omaha offers Missouri’s best and most affordable Medicare Supplement plans. The Plan G option costs $195.15 per month in St. Louis County and is the most comprehensive choice. It is closely followed by Plan N, a high-value plan that costs $158.58 per month in Jackson County.
Both options include household discounts, fast underwriting, low monthly premiums, and high customer satisfaction rates.
Roughly 325,096 residents in Missouri have Medicare Supplement (also known as Medigap) coverage. Among them, 44%, or 142,225 individuals, selected Medigap Plan G, while only 6% or 20,083 people opted for Plan N.
Mutual of Omaha also offers separate life, dental, and vision policies that can be purchased for an extra premium, and all plans include access to their fitness program, Mutually Well.
- Plan N: $158.58 per month
- 95% of people are satisfied with this plan
- Plan G: $195.15 per month
- 96% of people are satisfied with this plan
We researched the best Medicare Supplement plans available from well-established companies in Missouri. It’s essential to keep in mind that going for a less recognized or newer insurance provider may not necessarily lead to lower rates, and they might end up increasing their prices.
Opting for a reputable and recognizable brand is the most effective way to avoid unexpected expenses and problems.
Best Plan G Rates: Mutual of Omaha
65: $169.69
70: $195.39
75: $223.14
65: $195.15
70: $224.70
75: $256.61
The benefits offered by Mutual of Omaha Medigap Plan G are vast and include:
- Part B excess charges
- Medicare Part A deductible
- Part B coinsurance
- Foreign travel emergency coverage
Referrals are not necessary, and there are no limitations on your choice of providers within networks. You can select any medical provider if they participate in the Original Medicare network.
Best Plan N Rates: Mutual of Omaha
65: $137.89
70: $154.68
75: $176.79
65: $158.58
70: $177.89
75: $203.31
Medigap Plan N from Mutual of Omaha allows you to:
- Visit any doctor that accepts Original Medicare.
- No annual plan changes.
- Copay of $25 for office visits.
- $50 copay for ER visits.
- You also have the option to add dental and vision insurance to cover additional needs.
- Original Medicare Part A and B coinsurance
- Part A deductible
- Emergency care
- Lower out-of-pocket expenses overall
What's the Best Medicare Supplement Company in Missouri?
The overall best Medigap provider in Missouri is Mutual of Omaha.
Mutual of Omaha Medigap plans are generally less expensive in Missouri, which is why they are the most popular provider in our review process. However, the best Medicare Supplement company varies depending on the plan letter you are interested in.
For example, one company might offer lower costs for Plan N. At the same time, another may have better prices for Plan G. Additionally; each company has advantages and disadvantages based on its specific plans.
| Company | Market Share | Plan G Cost | Plan N Cost | Cost by County | Financial Strength |
| United World Life Insurance Company (Mutual of Omaha GRP) | 19.87% | $195.15 | $158.58 | Jefferson | A+ |
| Cigna Health Group | 4.42% | $253.96 | $194.16 | St. Charles | A |
| Accendo (CVS and Aetna affiliate) | 2.64% | $241.40 | $146.19 | Greene | A |
| Aetna Health Insurance Company | 2.64% | $198.92 | $183.18 | Clay | A |
In Missouri, ten standardized Medigap plans are available, offering the same coverage regardless of the company you choose. Additionally, certain areas may offer a high deductible Medigap option.
Moreover, most plans do not have networks, allowing you the flexibility to visit any provider that accepts Original Medicare. Comparing their costs and policyholder satisfaction ratings is recommended to simplify the insurance company selection process.
How Much Does a Medigap Plan Cost in Missouri?
Premiums for a Missouri Medicare Supplement plan can cost as little as $64 or as high as $280, depending on your age and the level of coverage you choose.
| Medigap Plan | Monthly Cost | Cost by County | Enrollment in Missouri | ||
| Plan F | $250.23 | Boone | 43% | ||
| Plan G | $174.87 | Jasper | 44% | ||
| Plan N | $158.58 | Platte | 6% | ||
| High Deductible G | $64.73 | Cass | 2.7% | ||
| Plan A | $167.54 | Franklin | 0.42% | ||
- Tobacco rates do not apply in Missouri during Open Enrollment or in guaranteed issue rights situations.
How Does Age Impact Medigap Prices in Missouri?
In Missouri, Medigap policies implement issue-age pricing. This means premiums are calculated based on the age at which the policy is initially purchased. Once you secure a policy, your premium won’t increase as you age.
Remember:
- If you switch insurance providers, the premium for your new policy will be determined based on your age at the time of application.
- The cost of a Medigap plan can be influenced by various factors, such as the coverage level of the policy, your health condition, and whether you smoke.
- Premiums may still experience increases due to inflation or other relevant factors.
What Is the Medigap Anniversary Rule in Missouri?
The Medigap Anniversary Rule in Missouri allows policyholders to switch Medigap insurance providers without undergoing medical underwriting. This can be done during a specific sixty-day period surrounding the policy anniversary date.
Important to note:
- The sixty-day period spans from thirty days before to thirty days after your policy anniversary date.
- You can only switch from your current plan to another plan that shares the same letter. For example, you cannot switch from Plan G to Plan F; you can only switch to a different provider offering Plan G.
Final Verdict
We have a lot of experience helping Medicare beneficiaries in Missouri, and we know there is no single “perfect” Medicare Supplement plan. We’ll review your budget to recommend a good coverage plan without breaking the bank.
It’s important to know your healthcare needs when searching for insurance. This way, you can choose the best Medicare Supplement insurance plan. We can help you by sharing information to guide your decision-making process.
Key takeaways:
After years in the industry and helping countless people find coverage, we have come to love Mutual of Omaha above the rest. Our clients who choose them often stay with them for a long time because they are simply that good.
Regarding value and enrollment speed, Mutual of Omaha can’t be beaten; They also have an excellent track record for paying claims quickly.
Ready to Learn More?
Choosing the right Medicare plan requires thoughtful consideration. With Policy Guide, skilled agents provide expertise and insights. They help compare Medicare health plans, quotes, and policies, ensuring an informed decision. Let us guide you to a plan that fits your unique needs.
Article Sources: Mutual of Omaha Plan Overview | Plan Costs | Missouri Medigap Shopping Guide | MO AHIP
