Medicare Advantage plans in St. Francois County, MO: what changed for 2027
For 2027, St. Francois County in Missouri has 23 Medicare Advantage plans that include drug coverage, compared with 23 in 2026, according to the CMS plan landscape files.
2 Advantage plan IDs (not counting Special Needs or Cost plans) listed here for 2026 are not in the 2027 file and 2 plan IDs are new. Some of these are the same plan renamed or merged, so check the Annual Notice of Change from your plan.
How many people here are in Medicare Advantage
In October 2026, 9,622 of the 16,836 people eligible for Medicare in St. Francois County were enrolled in a Medicare Advantage or other Medicare health plan, 57.2%. A year earlier it was 9,236 of 16,567 (55.7%).
CMS counts enrollees in all Medicare health plans, including Advantage, cost and PACE plans, by the county where they live.
Before you choose a plan
Compare plans for your ZIP code, drugs and doctors on the official Medicare Plan Finder, or call 1-800-MEDICARE (1-800-633-4227). Free, unbiased counselling is available from your State Health Insurance Assistance Program at shiphelp.org.
Advantage plans with drug coverage for 2027 (23)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $7,150 | 3.5 of 5 |
| AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $4,450 | 3.5 of 5 |
| AARP Medicare Advantage from UHC ST-1P (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $4,100 | 3.5 of 5 |
| Aetna Medicare Elite (PPO) | Aetna Medicare | PPO | $0 | $4,900 | 4 of 5 |
| Aetna Medicare Elite Classic (PPO) | Aetna Medicare | PPO | $0 | $5,900 | 4 of 5 |
| Aetna Medicare Elite Classic Extra (PPO) | Aetna Medicare | PPO | $0 | $4,900 | 4 of 5 |
| Aetna Medicare Signature (HMO-POS) | Aetna Medicare | HMO-POS | $0 | $5,500 | 3.5 of 5 |
| Aetna Medicare Value Plus (HMO-POS) | Aetna Medicare | HMO-POS | $0 | $5,500 | 3.5 of 5 |
| Humana Essentials Plus Giveback (HMO) | Humana | HMO | $0 | $4,200 | 4.5 of 5 |
| Humana Essentials Plus Giveback (HMO) | Humana | HMO | $0 | $4,200 | 4.5 of 5 |
| Humana Full Access (PPO) | Humana | PPO | $0 | $6,350 | 4 of 5 |
| Humana Full Access (PPO) | Humana | PPO | $0 | $6,600 | 4.5 of 5 |
| Humana Total Complete (HMO) | Humana | HMO | $0 | $2,850 | 4.5 of 5 |
| Humana Total Complete (HMO) | Humana | HMO | $0 | $2,850 | 4.5 of 5 |
| Humana Value Choice (PPO) | Humana | PPO | $0 | $4,450 | 4 of 5 |
| Humana Value Choice (PPO) | Humana | PPO | $0 | $4,400 | 4.5 of 5 |
| AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) | UnitedHealthcare | HMO-POS | $19.00 | $4,450 | 3.5 of 5 |
| AARP Medicare Advantage from UHC ST-0001 (PPO) | UnitedHealthcare | PPO | $58.00 | $7,150 | 4 of 5 |
| Aetna Medicare Enhanced Extra (HMO-POS) | Aetna Medicare | HMO-POS | $59.00 | $5,900 | 3.5 of 5 |
| Aetna Medicare Enhanced (PPO) | Aetna Medicare | PPO | $70.00 | $7,500 | 4 of 5 |
| Aetna Medicare Enhanced Classic (PPO) | Aetna Medicare | PPO | $70.00 | $7,500 | 4 of 5 |
| HumanaChoice H5216-032 (PPO) | Humana | PPO | $76.00 | $9,250 | 4 of 5 |
| HumanaChoice R1532-002 (Regional PPO) | Humana | Regional PPO | $119.00 | $7,700 | 3.5 of 5 |
Advantage plans without drug coverage for 2027 (5)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) | UnitedHealthcare | HMO-POS | Not listed | $5,900 | 3.5 of 5 |
| Aetna Medicare Eagle (HMO-POS) | Aetna Medicare | HMO-POS | Not listed | $4,900 | 3.5 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $4,700 | 4 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $4,700 | 4.5 of 5 |
| Humana USAA Honor Giveback (Regional PPO) | Humana | Regional PPO | Not listed | $5,500 | 3.5 of 5 |
Special Needs Plans for 2027 (16)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Aetna Medicare Dual (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Aetna Medicare Full Dual (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Aetna Medicare Full Dual Extra (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| Aetna Medicare Longevity (HMO I-SNP) | Aetna Medicare | HMO I-SNP · Institutional | $0 | $9,850 | 3.5 of 5 |
| Anthem Full Dual Advantage (HMO D-SNP) | Anthem HealthKeepers | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Anthem Full Dual Advantage 2 (HMO D-SNP) | Anthem HealthKeepers | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Humana Gold Plus SNP-DE H0028-015 (HMO-POS D-SNP) | Humana | HMO-POS D-SNP · Dual-Eligible | $0 | $9,250 | 4.5 of 5 |
| Humana Gold Plus SNP-DE H4461-044 (HMO-POS D-SNP) | Humana | HMO-POS D-SNP · Dual-Eligible | $0 | $9,250 | 4.5 of 5 |
| Provider Partners Missouri Community Plan (HMO I-SNP) | Provider Partners Health Plans | HMO I-SNP · Institutional | $0 | $3,750 | 4 of 5 |
| UHC Complete Care MO-1 (PPO C-SNP) | UnitedHealthcare | PPO C-SNP · Chronic or Disabling Condition | $0 | $4,900 | 4.5 of 5 |
| UHC Dual Advantage MO-V1 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $0 | $4,450 | 3.5 of 5 |
| UHC Dual Complete MO-Q1 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $2.60 | $9,850 | 3.5 of 5 |
| UHC Dual Complete MO-S3 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $8.90 | $9,850 | 3.5 of 5 |
| Provider Partners Missouri Essential Plan (HMO I-SNP) | Provider Partners Health Plans | HMO I-SNP · Institutional | $14.50 | $9,850 | 4 of 5 |
| Provider Partners Missouri Advantage Plan (HMO I-SNP) | Provider Partners Health Plans | HMO I-SNP · Institutional | $18.40 | $9,850 | 4 of 5 |
| UHC Dual Complete MO-Q2 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP · Dual-Eligible | $18.40 | $9,850 | 4.5 of 5 |
Stand-alone Part D drug plans are offered statewide: see Missouri drug plans.
Sources
- Centers for Medicare & Medicaid Services, CY2027 Medicare Advantage and Part D Landscape file (data last updated 18 October 2026)
- Centers for Medicare & Medicaid Services, CY2026 Medicare Advantage and Part D Landscape file (September 2026 release)
- Centers for Medicare & Medicaid Services, MA State/County Penetration files, October 2026 and October 2025
Checked 29 October 2026. Plans and premiums can change before 1 January 2027. Confirm any plan on Medicare.gov before you enrol.