2027 plan year · Missouri
2027 Medicare Advantage plans in Madison County, MO
37 plans from 5 insurers for 2027. 18 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $2,850.
- 19general plans
- 18$0-premium plans
- $2,850lowest out-of-pocket max
- 4.5 ★top star rating
- 18Special Needs Plans
2027 Medicare Advantage plans in Madison County, MO
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Humana Total Complete (HMO) Humana · HMO · includes drug coverage | $0 | $2,850 | $700 | ★★★★★4.5 |
| Humana Total Complete (HMO) Humana · HMO · includes drug coverage | $0 | $2,850 | $700 | ★★★★★4.5 |
| Humana Essentials Plus Giveback (HMO) Humana · HMO · includes drug coverage | $0 | $4,200 | $700 | ★★★★★4.5 |
| Humana Essentials Plus Giveback (HMO) Humana · HMO · includes drug coverage | $0 | $4,200 | $700 | ★★★★★4.5 |
| Humana Value Choice (PPO) Humana · PPO · includes drug coverage | $0 | $4,400 | $700 | ★★★★★4.5 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $4,700 | — | ★★★★★4.5 |
| Humana Full Access (PPO) Humana · PPO · includes drug coverage | $0 | $6,600 | $500 | ★★★★★4.5 |
| DEVOTED CORE 009 MO (HMO) Devoted Health · HMO · includes drug coverage | $0 | $3,200 | $650 | ★★★★★4 |
| Humana Value Choice (PPO) Humana · PPO · includes drug coverage | $0 | $4,450 | $700 | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $4,700 | — | ★★★★★4 |
| DEVOTED GIVEBACK EXTRAS 026 MO (HMO) Devoted Health · HMO · includes drug coverage | $0 | $5,200 | $700 | ★★★★★4 |
| Humana Full Access (PPO) Humana · PPO · includes drug coverage | $0 | $6,350 | $500 | ★★★★★4 |
| AARP Medicare Advantage from UHC MO-0002 (PPO) UnitedHealthcare · PPO · includes drug coverage | $0 | $7,150 | $685 | ★★★★★4 |
| DEVOTED GIVEBACK 010 MO (HMO) Devoted Health · HMO · includes drug coverage | $0 | $7,150 | $461 | ★★★★★4 |
| Humana Gold Choice H8145-126 (PFFS) Humana · PFFS · no drug coverage | $0 | $9,850 | — | ★★★★★4 |
| Humana USAA Honor Giveback (Regional PPO) Humana · Regional PPO · no drug coverage | $0 | $5,500 | — | ★★★★★3.5 |
| AARP Medicare Advantage from UHC MO-0007 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $5,900 | $685 | ★★★★★3.5 |
| AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) UnitedHealthcare · HMO-POS · no drug coverage | $0 | $5,900 | — | ★★★★★3.5 |
| HumanaChoice R1532-002 (Regional PPO) Humana · Regional PPO · includes drug coverage | $119 | $7,700 | $700 | ★★★★★3.5 |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| UHC Complete Care MO-1 (PPO C-SNP) UnitedHealthcare · PPO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $4,900 | $595 | ★★★★★4.5 |
| Humana Gold Plus SNP-DE H0028-015 (HMO-POS D-SNP) Humana · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,250 | $700 | ★★★★★4.5 |
| Humana Gold Plus SNP-DE H4461-044 (HMO-POS D-SNP) Humana · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,250 | $100 | ★★★★★4.5 |
| UHC Dual Complete MO-Q2 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $18.40 | $9,850 | $700 | ★★★★★4.5 |
| DEVOTED C-SNP ENHANCED 012 MO (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,500 | $461 | ★★★★★4 |
| DEVOTED DUAL 008 MO (HMO D-SNP) Devoted Health · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,600 | $700 | ★★★★★4 |
| Provider Partners Missouri Community Plan (HMO I-SNP) Provider Partners Health Plans · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $0 | $3,750 | $700 | ★★★★★4 |
| DEVOTED C-SNP GIVEBACK EXTRAS 021 MO (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $5,200 | $700 | ★★★★★4 |
| DEVOTED C-SNP PLUS 016 MO (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $461 | ★★★★★4 |
| DEVOTED DUAL FULL 011 MO (HMO D-SNP) Devoted Health · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| DEVOTED DUAL PLUS 007 MO (HMO D-SNP) Devoted Health · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| Provider Partners Missouri Essential Plan (HMO I-SNP) Provider Partners Health Plans · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $14.50 | $9,850 | $700 | ★★★★★4 |
| Provider Partners Missouri Advantage Plan (HMO I-SNP) Provider Partners Health Plans · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $18.40 | $9,850 | $700 | ★★★★★4 |
| UHC Dual Advantage MO-V1 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $4,450 | $700 | ★★★★★3.5 |
| UHC Dual Complete MO-Q1 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $2.60 | $9,850 | $700 | ★★★★★3.5 |
| UHC Dual Complete MO-S3 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $8.90 | $9,850 | $700 | ★★★★★3.5 |
| Anthem Full Dual Advantage 2 (HMO D-SNP) Anthem HealthKeepers · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $170 | ★★★★★3 |
| Anthem Full Dual Advantage (HMO D-SNP) Anthem HealthKeepers · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $290 | ★★★★★3 |
What changed from 2026 to 2027
- 6 plans are new here for 2027.
- 14 plans offered here in 2026 aren't listed for 2027 (for example UHC Dual Complete MO-V001 (HMO-POS D-SNP), UHC Dual Complete MO-S3 (HMO-POS D-SNP), Aetna Medicare Signature (PPO)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 31 plans offered both years, 1 raised the monthly premium and 12 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Madison County
Medicare Advantage plans use networks. Before choosing, check that the hospitals and nursing homes you'd want are in the plan's network, and how they're rated.
Other coverage options
- Stand-alone Part D drug plans in Missouri (for people with Original Medicare)
- Marketplace health plans in Madison County (for people under 65 or not on Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Madison County, MO for 2027?
37 plans from 5 insurers: 19 general plans open to anyone with Medicare Parts A and B who lives here, plus 18 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Madison County, MO?
Yes. 18 general plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in Madison County, MO?
Humana Total Complete (HMO) from Humana has the top Medicare star rating here (4.5 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in Madison County, MO?
Humana Total Complete (HMO) caps in-network out-of-pocket costs at $2,850 for 2027.