Best Medicare Supplement Plans in Missouri
Cigna and ACE Insurance Company offer Missouri’s most affordable Medicare Supplement plans.
Cigna’s Plan G option costs $181.91 per month on average in St. Louis County and is the most comprehensive choice. It is closely followed by Plan N with ACE, a high-value plan that costs $149.58 per month on average in Jackson County.
We have carefully reviewed Cigna and found that they offer up to 25% premium discounts, a user-friendly online portal, and a Healthy Rewards program that provides discounts of up to 25% on a wide range of health and wellness products and services.
ACE provides guaranteed renewable Medigap plans in Missouri. Our review of ACE Medicare Supplement insurance found that the premiums offered by ACE are, on average, 7.5% lower than other providers. ACE policyholders can also receive a discount of up to 7% on their household premiums.
Roughly 325,096 Missouri residents have Medicare Supplement (also known as Medigap) coverage. Of them, 44% (or 142,225 individuals) selected Medigap Plan G, while only 6% (or 20,083 people) opted for Plan N.
We researched the best Medicare Supplement plans available from well-established companies in Missouri. It’s essential to remember that going for a less recognized or newer insurance provider may not necessarily lead to lower rates in the end, and they might increase their prices once you are enrolled.
Opting for a reputable and recognizable brand is the most effective way to avoid unexpected expenses and problems.
Best Plan G Rates: Cigna
65: $158.18
70: $178.02
75: $211.43
68: $191.11
70: $204.73
75: $243.15
The coverage offered by Cigna is vast and includes:
- 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: ACE
65: $132.83
70: $145.25
75: $168.33
68: $154.00
70: $163.33
75: $189.42
- Visit any doctor that accepts Original Medicare
- No annual plan changes
- $25 copay for office visits
- $50 copay for ER visits
- Option to add dental and vision insurance to cover additional needs
- Original Medicare Part A and B coinsurance
- Part A deductible
- Emergency care
- Foreign travel emergency care
What's the Best Medicare Supplement Company in Missouri?
The overall best Medigap providers in Missouri are Cigna and ACE.
Cigna and ACE Medigap plans are generally less expensive in Missouri, so they are the most popular providers in our review process. However, the best Medicare Supplement company for you will depend on the plan letter you are interested in.
For example, one company might offer lower costs for Plan N while 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 |
| Cigna | 4.42% | $181.91 | $154.91 | St. Charles | A |
| ACE Insurance Company | 0.30% | $186.33 | $134.58 | Adair | A+ |
| Aflac | 0.03% | $187.98 | $142.12 | Clinton | A+ |
| Mutual of Omaha | 19.87% | $218.57 | $158.58 | Jefferson | A+ |
| Aetna Health Insurance Company | 2.64% | $216.83 | $199.67 | Clay | A |
| Allstate Health Solutions | 2.11% | $246.81 | $191.25 | Butler | 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 much 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 | $231.26 | Boone | 43% | ||
| Plan G | $164.86 | Jasper | 44% | ||
| Plan N | $149.58 | Platte | 6% | ||
| High Deductible G | $64.73 | Cass | 2.7% | ||
| Plan A | $159.25 | Franklin | 0.42% | ||
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Did You Know?
Tobacco rates do not apply in Missouri during the Open Enrollment period 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.
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Important:
- The Medigap Anniversary Rule sixty-day period spans from thirty days before to thirty days after your policy anniversary date.
- You may 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
After years in the industry and helping countless people find coverage, we have come to love both Cigna and ACE above the rest in Missouri. Our clients who choose them often stay with them for a long time because they are simply that good.
Regarding value and enrollment speed, Cigna and ACE can’t be beaten. They also have an excellent track record for paying claims quickly.
Here at Policy Guide, we know there is no single “perfect” Medicare Supplement plan, but the choices can be overwhelming. We’ll carefully review your budget and recommend a good coverage plan without breaking the bank.
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 you reach an informed decision. We would love to guide you to a plan that fits your unique needs.
Article Sources: Plan Costs | MO AHIP
