Medicare Supplement Plans in Missouri

Jory Cross by Jory Cross | Licensed since 2012
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This article was updated on: 11/01/2018

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Original Medicare remains popular in Missouri. According to the Centers for Medicare and Medicaid Services (CMS), about 785,000 Medicare beneficiaries chose Part A and Part B Missouri in 2018. Although Original Medicare covers most health care costs, the plan leaves you at risk for high out-of-pocket costs. Medicare Supplement (Medigap) in Missouri is a way to protect yourself against unexpected medical expenses, and help you better plan for your health care bills.

If you’re wondering if Medicare Supplement plan is right for you, this article answers some of the most frequently asked questions about Medicare Supplement plans in Missouri.

What does Medicare Supplement plans in Missouri cover?

Medicare Supplement plans may help cover some or all of the out-of-pocket costs under Original Medicare. Out-of-pocket costs under Original Medicare come in the form of deductibles, coinsurance, copayments, and Part B excess charges.

Medicare Supplement plans in Missouri are offered by private insurance companies, although plan benefits are set at the federal level.

All Medicare Supplement plans in Missouri also cover 100% of your Part A hospital coinsurance, including up to 365 additional days after your Medicare benefits are exhausted.

From there, all plans cover either 50%, 75%, or 100% of your Part B coinsurance, your Part A hospice copayment or coinsurance, and your first three pints of blood if you need a transfusion.

There are two plans, Medicare Supplement Plan C or Plan F, that cover 100% of both the Part A and Part B deductibles. If you choose one of these plans, you’ll pay very little out-of-pocket for covered health care expenses.

Six of the Medicare Supplement plans offer 80% coverage of emergency health expenses when you travel internationally. Original Medicare doesn’t usually cover any costs associated with travel outside the U.S.

You can compare all the Medicare Supplement plans in Missouri with this Medicare Supplement plans comparison chart.

When can I enroll in Medicare Supplement plans in Missouri?

You have six months to select and buy Medicare Supplement plans in Missouri, beginning the month in which you are both age 65 or over and enrolled in Part B. This is called your Medicare Supplement Open Enrollment Period. During your Medicare Supplement Open Enrollment Period, you can buy any Medicare Supplement plan offered in the state, and you can’t be charged higher premiums based on your health or pre-existing conditions.

If you miss open enrollment, you can still apply for Medicare Supplement in Missouri, but there’s no guarantee you’ll be approved for the plan you want. After open enrollment, except in very limited instances, insurers can require medical underwriting before they sell you a plan. The medical underwriting process involves looking at your past medical history and current health status; a chronic or serious condition could disqualify you. Your insurer can also impose a six-month waiting period for pre-existing conditions, if you are approved, or charge you a much higher premium.

If you think you want Medicare Supplement in Missouri, you need to buy a plan during your Open Enrollment Period so you’re guaranteed to get the coverage you want at the lowest possible premium.

How much does Medicare Supplement plans in Missouri cost?

There’s no set premium for Medicare Supplement plans in Missouri as there is for Medicare Part A and Part B. Because the plans are offered by private insurers, they are free to set their own premiums. You may see a wide variation in premiums between the different plans and different insurance companies.

Just like your Medicare Part A and Part B premiums, your Medicare Supplement plans premiums can also increase each year due to inflation or other factors.

What else should I know about Medicare Supplement plans in Missouri?

Medicare Supplement plan in Missouri only pays for covered expenses under Medicare Part A and Part B. It doesn’t cover your Medicare Part A and Part B premiums, or any out-of-pocket costs associated with prescription drugs, or Part D deductibles and copayments. Medicare Supplement cannot be used together with Medicare Advantage.

The two “first dollar coverage” plans, Medicare Supplement Plan C and Plan F, are being discontinued as of January 1, 2020. As part of the Medicare Access and CHIP Reauthorization Act of 2015, Congress decided to eliminate Medicare Supplement plans that covered the Part B deductible. If you were born after December 31, 1954, you won’t be able to buy these plans.

The good news is that if you already bought a Plan C or Plan F Medicare Supplement in Missouri prior to that time, you’ll be allowed to keep it.

Enter your zip code on this page to begin comparing Medicare Supplement plans in Missouri.

The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

 

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