Missouri: The Show Me State

Missouri Medicare Plans

At the Benefit Link we work with great insurance companies offering Medicare Supplement plans for Missouri residents. Many offer the most popular plans like Plan F and Plan G. Let us assist with the basics. Missouri Medicare plans include 10 standardized options, lettered A – N. Each insurance company must offer at least Plan A, but companies can offer any of the other plans as well.

Our agency works with some of the best Missouri Medicare Plan F and Plan G insurance companies, such as  AetnaBankers Fidelity, Blue Cross Blue Shield, Cigna, Humana, Mutual of Omaha, and Transamerica.

You can find a complete list of our Medicare insurance providers here.

missouri medicare plans

Missouri Medicare Plans

Missouri Medicare plans are available to all Medicare beneficiaries during their initial open enrollment period. This period begins on the same day that your Medicare Part B is effective and lasts for 6 months.

Medicare’s booklet on choosing a Medigap policy explains that this window is the best time to enroll in Missouri Medicare plans.

Here’s why:

During this time, no Medigap insurance company can decline you for coverage for any health reasons. This applies to people over age 65 and also to people under 65 on Medicare disability.

After your open enrollment window has passed, you may apply for a Missouri Medicare Supplement, but you will be subject to health underwriting. This means carriers at that point can decline you for certain health conditions. This is why applying during your open enrollment window is often considered the best time to enroll.

Medicare Supplements in Missouri are also referred to as Missouri Medigap plans.

Missouri Medicare Supplement Rates

Our software helps you compare Missouri Medicare plans on price, financial rating and rate increase trends[/caption]

Medicare Supplements have been formatted by the federal government into 10 basic plans. Each plan is assigned a letter from A – N.

You can buy a Missouri Medicare Supplement Plan F from any insurance company, and you will know that the benefits for that plan will be the same at other companies. This allows you to shop based on price and several other important factors.

We use our comparison software to run a report of all the companies offering Missouri Medicare supplements in your county. We’ll look at not just prices, but also the rate increase histories of each company. This helps to choose a Missouri Medicare plan that has good rates now, and one that we hope, based on their history, will have low rate increases from year to year.

Missouri Medicare Supplements – Anniversary Rule

Missouri also has a unique rule called Missouri Medicare Supplement Anniversary Guaranteed Issue Rule. Once a year, on the original issue date of your current standardized Medigap policy, you can switch from a like plan to a like plan with no underwriting. No medical questions. The new insurance company must sell you the policy regardless of any pre-existing conditions. This allows you to shop your policy annually and compare premiums. Moving to a new plan is easy.

Your window to make this change begins 30 days before the issue date of your current Medigap policy. It lasts until 30 days after the issue date. You must move to the same plan with another carrier. So for example if you have a Plan F, then you can only move to a Missouri Medigap policy Plan F with another carrier.

Taking advantage of the anniversary rule helps you to keep more of your money in your own pocket every year.

Expert Help With Missouri Medigap Plans

The Benefit Link is licensed in Missouri as well as many other states. Our agency can provide you with quotes from over 25 insurance carriers in your area. In addition to prices, we can tell you the financial ratings of these companies as well as their history of rate increases.

If you are applying for a supplement during your Medicare supplement open enrollment window and you know that later on it will be difficult to change carriers because you have a health condition that may cause you to not pass underwriting, then you will want to choose a carrier up front that has a stable, steady history of low rate increases.

Our knowledge of the rate trends and financial health of various insurance company will help you make the right decision for your coverage. Some beneficiaries may want to consider Missouri Medicare Advantage plans too, and we do work with those plans.

For quick quotes and information from the friendliest agents you will ever meet, call our toll free number: (844) 482-2910. You can also use the link below to request quotes via email:

Still have questions, or need more information on how to pick the plan that is right for you?

The Benefit Link is here to help! Give us a call and speak to a licensed insurance agent:

Use your retirement income wisely, find out if you qualify for Medicare discounts!

How can we serve you today?

It can be difficult to know whether or not you have proper coverage, but we can help! It’s our passion to provide peace of mind and ensure that you are well informed of your options and receive the best possible rates. Please feel free to call us at anytime, even if it’s just to chat.