County guide · St. Francois County, MO · 2027 plan year

Original Medicare vs Medicare Advantage in St. Francois County, MO

This guide lists 28 Medicare Advantage plans for 2027 in St. Francois County, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.

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Plans
28
$0 premium
21 plans
Lowest in-network limit
$2,850
Highest in-network limit
$9,250

In most states, including Missouri, you cannot count on getting Medigap later

You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in Missouri can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later. Missouri’s anniversary rule helps only people who already have Medigap, not people who leave Medicare Advantage.

One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.

Read about Medigap rights on Medicare.gov

Yearly cost of each plan

Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.

PlanMonthly premiumsYearly limit on medical costsStarsPrior authorizationLight yearRegular yearHeavy year
Original Medicare with Medigap Plan Gand the lowest-cost drug planPart B $209.50 + Plan G + a drug plan from $5.30$292 Part B deductible, then Plan G paysNot ratedShort list of servicesWe have no checked Medigap price for this county yet. Check Medigap prices on Medicare.gov
Aetna Medicare Value Plus (HMO-POS)HMO-POS from Aetna Medicare · Plan ID H2663-057 · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50$5,500 in network3.5 of 519 services$2,554$4,775$10,414
Aetna Medicare Signature (HMO-POS)HMO-POS from Aetna Medicare · Plan ID H2663-041 · Medicare.govIts page is set for Boone County, MO$0 plan + Part B $209.50$5,500 in network3.5 of 519 services$2,564$5,352$10,414
Humana Essentials Plus Giveback (HMO)HMO from Humana · Plan ID H4461-045 · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50 (the plan pays back $60 of Part B)$4,200 in network4.5 of 524 services$2,407$5,383$8,394
Humana Essentials Plus Giveback (HMO)HMO from Humana · Plan ID H0028-065 · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50 (the plan pays back $60 of Part B)$4,200 in network4.5 of 524 services$2,407$5,383$8,394
Humana Total Complete (HMO)HMO from Humana · Plan ID H4461-046 · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50$2,850 in network4.5 of 524 services$2,594$5,622$7,764
Humana Total Complete (HMO)HMO from Humana · Plan ID H0028-014 · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50$2,850 in network4.5 of 524 services$2,594$5,622$7,764
AARP Medicare Advantage from UHC ST-1P (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H2802-071 · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50$4,100 in network3.5 of 524 services$2,514$5,655$9,014
Aetna Medicare Enhanced Extra (HMO-POS)HMO-POS from Aetna Medicare · Plan ID H2663-006 · Medicare.govIts page is set for St. Louis County, MO$59 plan + Part B $209.50$5,900 in network; $10,100 in and out of network3.5 of 519 services$3,242$5,735$10,537
AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H2802-028 · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50$4,450 in network3.5 of 524 services$2,514$5,845$9,364
Humana Full Access (PPO)PPO from Humana · Plan ID H5216-407 · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50$6,350 in network; $10,000 in and out of network4 of 524 services$3,060$5,863$11,264
Humana Full Access (PPO)PPO from Humana · Plan ID H7617-008 · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50$6,600 in network; $10,000 in and out of network4.5 of 524 services$3,082$5,883$11,514
AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H2802-052 · Medicare.govIts page is set for St. Louis County, MO$19 plan + Part B $209.50$4,450 in network3.5 of 524 services$2,742$5,938$9,592
Aetna Medicare Enhanced Classic (PPO)PPO from Aetna Medicare · Plan ID H1608-013 · Medicare.govIts page is set for St. Louis County, MO$70 plan + Part B $209.50$7,500 in network; $13,900 in and out of network4 of 519 services$3,394$6,037$10,954
Aetna Medicare Enhanced (PPO)PPO from Aetna Medicare · Plan ID H5521-748 · Medicare.govIts page is set for St. Louis County, MO$70 plan + Part B $209.50$7,500 in network; $13,900 in and out of network4 of 519 services$3,394$6,037$10,954
Humana Value Choice (PPO)PPO from Humana · Plan ID H5216-318 · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50$4,450 in network; $6,200 in and out of network4 of 524 services$3,171$6,143$9,364
Aetna Medicare Elite Classic Extra (PPO)PPO from Aetna Medicare · Plan ID H1608-067 · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50$4,900 in network; $6,700 in and out of network4 of 519 services$3,229$6,170$9,814
Aetna Medicare Elite (PPO)PPO from Aetna Medicare · Plan ID H5521-750 · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50$4,900 in network; $6,700 in and out of network4 of 519 services$3,229$6,170$9,814
Humana Value Choice (PPO)PPO from Humana · Plan ID H7617-023 · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50$4,400 in network; $6,200 in and out of network4.5 of 524 services$3,229$6,223$9,314
AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H2802-073 · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50$7,150 in network3.5 of 524 services$2,514$6,325$12,064
Aetna Medicare Elite Classic (PPO)PPO from Aetna Medicare · Plan ID H1608-050 · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50$5,900 in network; $10,100 in and out of network4 of 519 services$3,229$6,984$10,814
HumanaChoice H5216-032 (PPO)PPO from Humana · Plan ID H5216-032 · Medicare.govIts page is set for Johnson County, KS$76 plan + Part B $209.50$9,250 in network; $12,000 in and out of network4 of 524 services$3,952$7,033$12,503
HumanaChoice R1532-002 (Regional PPO)Regional PPO from Humana · Plan ID R1532-002 · Medicare.govIts page is set for St. Louis County, MO$119 plan + Part B $209.50$7,700 in network; $14,800 in and out of network3.5 of 524 services$4,124$7,293$13,325
AARP Medicare Advantage from UHC ST-0001 (PPO)PPO from UnitedHealthcare · Plan ID H2406-043 · Medicare.govIts page is set for St. Louis County, MO$58 plan + Part B $209.50$7,150 in network; $10,750 in and out of network4 of 524 services$3,925$7,534$12,760
AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H2802-050 · No drug coverage · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50 (the plan pays back $170 of Part B)$5,900 in network3.5 of 524 services$762$8,986$27,950
Aetna Medicare Eagle (HMO-POS)HMO-POS from Aetna Medicare · Plan ID H2663-069 · No drug coverage · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50 (the plan pays back $150 of Part B)$4,900 in network3.5 of 519 services$1,082$9,176$27,190
Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-278 · No drug coverage · Medicare.govIts page is set for Johnson County, KS$0 plan + Part B $209.50 (the plan pays back $150 of Part B)$4,700 in network; $10,100 in and out of network4 of 524 services$1,107$9,289$26,990
Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H7617-012 · No drug coverage · Medicare.govIts page is set for Johnson County, KS$0 plan + Part B $209.50 (the plan pays back $150 of Part B)$4,700 in network; $10,100 in and out of network4.5 of 524 services$1,107$9,289$26,990
Humana USAA Honor Giveback (Regional PPO)Regional PPO from Humana · Plan ID R1532-001 · No drug coverage · Medicare.govIts page is set for St. Louis County, MO$0 plan + Part B $209.50 (the plan pays back $37 of Part B)$5,500 in network; $10,100 in and out of network3.5 of 524 services$2,710$10,873$29,146

A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level, the Medigap plan, your age, and your drugs.

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Sources and method

Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. We do not have a Medigap price for St. Francois County, MO. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 63640 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.

These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.

Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.

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