Explore your options
Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
Find a Licensed Medicare agent in Missouri
Connect with Medicare agents in Missouri
Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Ariel De Jesus
Why work with a Medicare agent
Enroll in Medicare
Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
Use your coverage
Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in Missouri
In Missouri, Medicare Advantage plans are slightly more popular as a coverage option than Original Medicare. Out of all Medicare enrollees statewide, 53% chose a Medicare Advantage plan as their coverage option. The remaining 47% stayed on Original Medicare.
Many enrollees with Medicare Advantage plans receive Part D (prescription drug) coverage through their plan. Those with Original Medicare do not receive prescription drug coverage by default. For those on Original Medicare or Medicare Advantage plans that don’t include Part D coverage, they can sign up for a standalone Part D plan.
Medicare coverage only pays for a portion of the cost of covered services. The amount your insurance does not pay makes up a person’s out-of-pocket costs. For Original Medicare, there is no out-of-pocket maximum, which puts people at risk financially. To help with these costs, they can buy a Medicare Supplement, aka Medigap, plan. Medicare Supplement plans significantly reduce your out-of-pocket costs and allow for financial predictability.
People receiving Social Security retirement benefits at least four months before turning 65 are automatically enrolled in Medicare Parts A and B when they become eligible. Others need to sign up themselves. Most Missourians' first opportunity to sign up for Medicare begins three months before the month they turn 65. It continues through their birth month and for three months after.
How to apply for Medicare in Missouri?
Medicare eligibility in Missouri follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in Missouri takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
How can a Medicare agent help me compare my options in Missouri?
One of Chapter's licensed Medicare agents can help you pick the best Medicare plan for you based on your budget, preferred providers, and prescriptions. Chapter's Missouri Medicare agents offer free advice and support. To reach them, call (855) 900-2427 to schedule a free consultation or ask any questions you may have.
How does Missouri's Medigap anniversary rule work?
In Missouri, Medigap policyholders can switch to a plan of the same type (e.g., a Plan G for a Plan G) from a different insurance company once a year within 30 days before or after their policy's anniversary date. During this window, the new insurer can't deny coverage based on their health history.
Why can Medicare Advantage options vary between Missouri counties?
Private insurers choose which plans they want to offer, and where. That means each county can have a different number and variety of plans from different insurers. The available plans will have different provider networks, premiums, and benefits. Those shopping for a Medicare Advantage plan should carefully review the benefits and costs associated with Medicare Advantage plans to make sure their choice will work for their needs and maximize their savings on healthcare costs.
What preventive services does Medicare cover in Missouri?
Medicare Part B covers things like vaccines, proactive cancer screenings, and wellness visits. New Medicare enrollees get a one-time "Welcome to Medicare" visit during their first year of Medicare Part B coverage, including an initial medical history review and a risk factor check. After having Part B for at least 12 months, beneficiaries can receive a yearly wellness visit once every 12 months, provided they meet Medicare's timing requirements. Medicare Advantage plans must provide coverage that’s at least as good as Original Medicare (including Part B).
