What are the Medicare Supplement Insurance Plans in Missouri?

Missouri residents looking to fill in some of the gaps left by Medicare Parts A and B, such as copayments, coinsurance and deductibles, may want to consider purchasing a Medicare Supplement Insurance plan. Also called Medigap, a Medicare Supplement Insurance plan can help cover out-of-pocket costs for Original Medicare recipients. You can purchase a Medicare Supplement Insurance plan in Missouri through private insurance companies throughout the state.

In 2023, Missouri residents have 10 Medigap or Medicare Supplement plans from which to choose. These include basic benefits from Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare, but those already enrolled in these plans are grandfathered in.

As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.

Missouri residents looking for a Medicare Supplement Insurance plan should first look at their specific coverage needs to determine what Medigap plan to consider.

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Most Popular Medicare Supplement Insurance Plans in Missouri

Government-approved Medicare Supplement Insurance plans help protect consumers in most states, including Missouri. See below for an overview outlining the most popular Medigap options selected by Missouri residents. Throughout the state of Missouri, insurance companies that sell Medigap plans offer the same basic benefits, but plans may cost different prices based upon your location and the carrier. Not all Missouri insurers offer each of the available Medigap plans.

As reported by America’s Health Insurance Plans (AHIP), 325,096 Missouri beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of Missouri enrollees by Medigap plan type.

Plan	A	B	C	D	E	F	G	H	I	J	K	L	M	N
Enrollment #	1,367	1,284	5,794	3,531	575	140,823	142,225	244	1,166	5,504	815	624	8	20,083

Source: AHIP (2021)

While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Missouri Medicare Supplement Insurance plan will not cover benefits for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan to cover prescription drug costs. You can also consider a Missouri Medicare Advantage plan.

Learn more about your Medicare Supplement Insurance plan options in Missouri by working with a SelectQuote licensed insurance agent. Acting as your advocate, our team can guide you through the Medicare maze to better understand Medigap plan options and answer any questions you may have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans.

Missouri residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap plan can also not be used to pay for any expenses for a Medicare Advantage plan.

Enrollment Periods for Missouri Medicare Supplement Insurance Plans

Initial enrollment timeframes are very important. Enrollment for Medicare Supplement Insurance plans in Missouri begins the first day of the month you turn 65 years old. You also must be enrolled in both Medicare Parts A and B in order to enroll in a Medigap plan.

Missouri residents have a six-month timeframe around their birth month to buy a Medicare Supplement Insurance plan. Missouri residents under the age of 65 can check with the Social Security Administration office in Missouri for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. Thankfully, you can enroll as early as 64 and 6 months. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. However, if you apply for Medicare Supplement Insurance outside of this six-month timeframe, you will be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.

Is a Missouri Medicare Supplement Insurance Plan Right for You?

Contact SelectQuote today to help you determine if a Medicare Supplement Insurance plan in Missouri will meet your needs. Our licensed insurance agents can help you understand your Medicare insurance options, ensuring you’re getting all available benefits and staying up to date on annual updates made to Medicare plans by insurance companies. SelectQuote, a trusted independent third-party company, is here to help you find the right insurance plan to meet your needs.

To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.