Missouri Senior Health Insurance

Explore Your Options

Missouri is a state rich in history – from exploring the Civil War battlefields or Mark Twain’s childhood home, Missouri is a great place to visit. With its plethora of golf courses and beautiful state parks to explore, Missouri is also a great place to retire. If you choose to live in Missouri post-retirement, it is important to review your Senior Health Insurance options.

Like most other states, Missouri offers plan options including Medicare Supplement Plans, Medicare Advantage Plans, and Prescription Drug Plans. These plans help offset the costs of medical services and prescriptions not covered by Original Medicare.

Missourians enrolled only into Original Medicare may be responsible for some out-of-pocket costs such as deductibles, copays, and coinsurance. A Senior Health Insurance option that will help cover the costs not covered by Original Medicare is called a Medicare Supplement Plan (Medigap). Medicare Supplement Plans are standardized by the government and are labeled by letters with the benefits remaining the same between carriers. There are about 45 companies in Missouri that offer Medicare Supplements. When you are considering this option, it is important to weigh the carrier’s reputation for premium increases over time and customer service support. The Specialists at MySeniorHealthPlan.com can help you determine a reputable carrier and which level of coverage you need.

Medicare Supplement Plans are often paired with a Prescription Drug Plan since they do not include prescription coverage. Prescription Drug Plans, also known as Part D, help cover the costs of medications. Your prescriptions will be covered based on the tier level in which they are assigned. There are over 30 different Prescription Drug Plan options in Missouri, so it is important to call MySeniorHealthPlan.com before enrolling into a plan. We can do a drug plan analysis and make sure your prescriptions are covered. Many need Extra Help to pay for their prescriptions – to see if you qualify click here.

If you live in Missouri and are looking into your Medicare Advantage options, it is important to note that these are county specific plans. So, although you may want to get your friend’s advice that has already gone through the process of choosing a Senior Health Insurance plan, you should keep in mind that a plan available in your county might not be available in another. There are over 50 options of Medicare Advantage Plans available in Missouri including HMOs, PPOs, and SNPs. Some of these plans will include both your medical and prescription drug benefits. To determine which MAPD will best suit your needs, please contact MySeniorHealthPlan.com today and have a Senior Health Insurance Specialist walk you through your available options.

Now that you know all of the Senior Health Insurance options available in Missouri, give us a call for your free comparison. Our Senior Health Insurance Specialists will take into consideration your doctor preference, price range, desired flexibility, and prescriptions to help you feel confident in your Senior Health Insurance selection.

Senior Resources:
Medicare: http://medicare.gov/
Apply for Medicaid: https://mydss.mo.gov/healthcare/apply
Missouri Department of Insurance: http://insurance.mo.gov/