Medicare Advantage plans in St. Louis city, MO: what changed for 2027
For 2027, St. Louis city in Missouri has 38 Medicare Advantage plans that include drug coverage, compared with 38 in 2026, according to the CMS plan landscape files.
Advantage plans with drug coverage38no change
Advantage plans without drug coverage7no change
Special Needs Plans35+1 from 2026
$0 premium plans with drug coverage26-2 from 2026
Median out-of-pocket limit$5,0002026: $4,225
Plans rated 4 stars or more24+5 from 2026
4 Advantage plan IDs (not counting Special Needs or Cost plans) listed here for 2026 are not in the 2027 file and 4 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, 31,913 of the 49,517 people eligible for Medicare in St. Louis city were enrolled in a Medicare Advantage or other Medicare health plan, 64.4%. A year earlier it was 31,704 of 49,076 (64.6%).
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 (38)
| 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 | $3,400 | 3.5 of 5 |
| Aetna Medicare Value Plus (HMO-POS) | Aetna Medicare | HMO-POS | $0 | $5,500 | 3.5 of 5 |
| Anthem Medicare Advantage (HMO-POS) | Anthem HealthKeepers | HMO-POS | $0 | $4,450 | 3 of 5 |
| DEVOTED CORE 001 MO (HMO) | Devoted Health | HMO | $0 | $3,100 | 4 of 5 |
| DEVOTED GIVEBACK 002 MO (HMO) | Devoted Health | HMO | $0 | $7,150 | 4 of 5 |
| DEVOTED GIVEBACK EXTRAS 028 MO (HMO) | Devoted Health | HMO | $0 | $5,100 | 4 of 5 |
| Essence Advantage (HMO) | Essence Healthcare | HMO | $0 | $3,400 | 4 of 5 |
| Essence Advantage Select (HMO) | Essence Healthcare | HMO | $0 | $4,450 | 4 of 5 |
| HealthSpring Preferred (HMO) | HealthSpring | HMO | $0 | $4,200 | 3 of 5 |
| HealthSpring Preferred Savings (HMO) | HealthSpring | HMO | $0 | $7,150 | 3 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 |
| Wellcare Simple (HMO-POS) | Wellcare | HMO-POS | $0 | $7,100 | 3 of 5 |
| Wellcare Simple Open (PPO) | Wellcare | PPO | $0 | $7,100 | 3 of 5 |
| HealthSpring True Choice (PPO) | HealthSpring | PPO | $6.00 | $7,150 | 3 of 5 |
| AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) | UnitedHealthcare | HMO-POS | $19.00 | $4,450 | 3.5 of 5 |
| Essence Advantage Choice (PPO) | Essence Healthcare | PPO | $40.00 | $9,850 | 4 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 |
| Essence Advantage Plus (HMO) | Essence Healthcare | HMO | $59.00 | $2,900 | 4 of 5 |
| Humana Gold Choice H8145-006 (PFFS) | Humana | PFFS | $60.00 | $7,800 | 4 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 |
| Essence Advantage Premier Plus (PPO) | Essence Healthcare | PPO | $264.00 | $2,900 | 4 of 5 |
Advantage plans without drug coverage for 2027 (7)
| 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 |
| Anthem Veteran (PPO) | Anthem Blue Cross and Blue Shield | PPO | Not listed | $6,751 | 3 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 |
| Wellcare Patriot Giveback Open (PPO) | Wellcare | PPO | Not listed | $4,000 | 3 of 5 |
Special Needs Plans for 2027 (35)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Aetna Medicare Chronic Care (HMO C-SNP) | Aetna Medicare | HMO C-SNP · Chronic or Disabling Condition | $0 | $7,150 | 3.5 of 5 |
| 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 Longevity (HMO I-SNP) | Aetna Medicare | HMO I-SNP · Institutional | $0 | $9,850 | 3.5 of 5 |
| Anthem Chronic Care (HMO-POS C-SNP) | Anthem HealthKeepers | HMO-POS C-SNP · Chronic or Disabling Condition | $0 | $3,500 | 3 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 |
| DEVOTED C-SNP ENHANCED 015 MO (HMO C-SNP) | Devoted Health | HMO C-SNP · Chronic or Disabling Condition | $0 | $3,900 | 4 of 5 |
| DEVOTED C-SNP GIVEBACK EXTRAS 029 MO (HMO C-SNP) | Devoted Health | HMO C-SNP · Chronic or Disabling Condition | $0 | $5,100 | 4 of 5 |
| DEVOTED C-SNP PLUS 016 MO (HMO C-SNP) | Devoted Health | HMO C-SNP · Chronic or Disabling Condition | $0 | $9,850 | 4 of 5 |
| DEVOTED DUAL 008 MO (HMO D-SNP) | Devoted Health | HMO D-SNP · Dual-Eligible | $0 | $3,600 | 4 of 5 |
| DEVOTED DUAL FULL 011 MO (HMO D-SNP) | Devoted Health | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| DEVOTED DUAL PLUS 007 MO (HMO D-SNP) | Devoted Health | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | Humana | HMO C-SNP · Chronic or Disabling Condition | $0 | $2,700 | 4.5 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 |
| Senior Care (HMO I-SNP) | NHC Advantage | HMO I-SNP · Institutional | $0 | $5,000 | 4.5 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 |
| Wellcare Home State Health Dual Access (HMO-POS D-SNP) | Wellcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Wellcare Home State Health Dual Access Open (PPO D-SNP) | Wellcare | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| UHC Nursing Home Plan MO-F001 (PPO I-SNP) | UnitedHealthcare | PPO I-SNP · Institutional | $0.60 | $9,850 | 5 of 5 |
| Aetna Medicare Full Dual Extra (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $1.80 | $9,850 | 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 |
| NHC Advantage (HMO I-SNP) | NHC Advantage | HMO I-SNP · Institutional | $12.20 | $9,850 | 4.5 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 |
| American Health Advantage of Missouri (HMO I-SNP) | American Health Advantage of Missouri | HMO I-SNP · Institutional | $18.40 | $9,850 | Not Enough Data Available |
| American Health Advantage of Missouri Choice (HMO I-SNP) | American Health Advantage of Missouri | HMO I-SNP · Institutional | $18.40 | $9,850 | Not Enough Data Available |
| HealthSpring TotalCare (HMO D-SNP) | HealthSpring | HMO D-SNP · Dual-Eligible | $18.40 | $9,850 | 3 of 5 |
| HealthSpring TotalCare Plus (HMO D-SNP) | HealthSpring | HMO D-SNP · Dual-Eligible | $18.40 | $9,850 | 3 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 |
| Wellcare Home State Health Dual Reserve (HMO-POS D-SNP) | Wellcare | HMO-POS D-SNP · Dual-Eligible | $18.40 | $3,600 | 3 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.