2027 plan year · Missouri
2027 Medicare Advantage plans in St. Clair County, MO
38 plans from 4 insurers for 2027. 17 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $2,900.
- 23general plans
- 17$0-premium plans
- $2,900lowest out-of-pocket max
- 4.5 ★top star rating
- 15Special Needs Plans
2027 Medicare Advantage plans in St. Clair 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 USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $4,700 | — | ★★★★★4.5 |
| HumanaChoice Giveback H7617-014 (PPO) Humana · PPO · includes drug coverage | $0 | $5,500 | $700 | ★★★★★4.5 |
| Humana Gold Plus H0028-016 (HMO-POS) Humana · HMO-POS · includes drug coverage | $22 | $7,550 | $700 | ★★★★★4.5 |
| DEVOTED CORE 005 MO (HMO) Devoted Health · HMO · includes drug coverage | $0 | $2,900 | $461 | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $4,700 | — | ★★★★★4 |
| DEVOTED GIVEBACK EXTRAS 025 MO (HMO) Devoted Health · HMO · includes drug coverage | $0 | $5,000 | $700 | ★★★★★4 |
| Aetna Medicare Signature Classic (PPO) Aetna Medicare · PPO · includes drug coverage | $0 | $5,500 | $700 | ★★★★★4 |
| Aetna Medicare Signature (PPO) Aetna Medicare · PPO · includes drug coverage | $0 | $5,500 | $700 | ★★★★★4 |
| HumanaChoice Giveback H5216-404 (PPO) Humana · PPO · includes drug coverage | $0 | $5,500 | $700 | ★★★★★4 |
| AARP Medicare Advantage from UHC MO-0009 (PPO) UnitedHealthcare · PPO · includes drug coverage | $0 | $7,150 | $685 | ★★★★★4 |
| DEVOTED GIVEBACK 006 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 Gold Choice H8145-006 (PFFS) Humana · PFFS · includes drug coverage | $60 | $7,800 | $700 | ★★★★★4 |
| HumanaChoice H5216-032 (PPO) Humana · PPO · includes drug coverage | $76 | $9,250 | $700 | ★★★★★4 |
| Aetna Medicare Signature Extra (HMO-POS) Aetna Medicare · HMO-POS · includes drug coverage | $0 | $4,200 | $400 | ★★★★★3.5 |
| Aetna Medicare Eagle (HMO-POS) Aetna Medicare · HMO-POS · no drug coverage | $0 | $5,500 | — | ★★★★★3.5 |
| Humana USAA Honor Giveback (Regional PPO) Humana · Regional PPO · no drug coverage | $0 | $5,500 | — | ★★★★★3.5 |
| AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) UnitedHealthcare · HMO-POS · no drug coverage | $0 | $5,900 | — | ★★★★★3.5 |
| AARP Medicare Advantage Essentials from UHC MO-4 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $7,150 | $685 | ★★★★★3.5 |
| AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $7,150 | $685 | ★★★★★3.5 |
| Aetna Medicare Value Plus (HMO) Aetna Medicare · HMO · includes drug coverage | $1.50 | $5,500 | $400 | ★★★★★3.5 |
| AARP Medicare Advantage from UHC MO-0005 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $25 | $4,450 | $595 | ★★★★★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 |
| HumanaChoice SNP-DE H7617-006 (PPO D-SNP) Humana · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $350 | ★★★★★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 DUAL 008 MO (HMO D-SNP) Devoted Health · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,600 | $700 | ★★★★★4 |
| DEVOTED C-SNP ENHANCED 014 MO (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $4,200 | $461 | ★★★★★4 |
| DEVOTED C-SNP GIVEBACK EXTRAS 018 MO (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $5,000 | $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 |
| UHC Dual Advantage MO-V1 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $7,150 | $700 | ★★★★★3.5 |
| Aetna Medicare Full Dual Extra (HMO D-SNP) Aetna Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $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 |
| Aetna Medicare Dual (HMO D-SNP) Aetna Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Aetna Medicare Full Dual (HMO D-SNP) Aetna Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $2.90 | $9,850 | $700 | ★★★★★3 |
What changed from 2026 to 2027
- 6 plans are new here for 2027.
- 10 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 (HMO-POS)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 32 plans offered both years, 4 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 St. Clair 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)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in St. Clair County, MO for 2027?
38 plans from 4 insurers: 23 general plans open to anyone with Medicare Parts A and B who lives here, plus 15 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in St. Clair County, MO?
Yes. 17 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 St. Clair County, MO?
Humana USAA Honor Giveback (PPO) 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 St. Clair County, MO?
DEVOTED CORE 005 MO (HMO) caps in-network out-of-pocket costs at $2,900 for 2027.