Compare the Best Medigap Plans in Missouri for 2025

If you’re a Missouri resident enrolled in Original Medicare, you can enhance your Part A and B coverage with one of the best Medigap plans in Missouri. With ten different Medigap options designed to reduce your out-of-pocket expenses, finding the best plan in Missouri that fits both your financial and healthcare needs has never been easier.

This page provides an overview of the leading Missouri Medicare Supplement plans and insurance companies available in 2025.

Discover the Top 3 Best Medigap Plans in Missouri for Complete Protection

Medigap Plans F, G, and N are consistently the most popular options for Medicare enrollees in Missouri. These Medicare Supplement plans offer varying levels of coverage to help reduce out-of-pocket healthcare costs. If you're interested in maximum coverage, Plan F is an excellent choice, while Plan G offers robust coverage with lower premiums. For those seeking a cost-effective solution, compare Plan N vs. Plan G.

Below, you’ll learn what what makes them the most popular plans, including benefits and top providers in Missouri.

Medigap Plan F in Missouri

For those looking for the highest level of coverage, Medigap Plan F is an excellent option. It covers nearly all Medicare-related expenses, including both Part A and Part B deductibles, making it the best Medicare Supplement plan for those wanting maximum protection. Find out more about the differences between Plan F and Plan G and find out if a High-Deductible Plan F is a good fit for you.

Required Benefits of Plan F in Missouri

Medigap Plan G in Missouri

For those looking for extensive coverage without the higher premiums of Plan F, Medicare Supplement Plan G is an excellent coverage option. The only significant gap is the Medicare Part B deductible, which many find acceptable in exchange for lower monthly costs. Discover the pros and cons of choosing Plan G.

Required Benefits of Plan G in Missouri

Medigap Plan N in Missouri

Plan N provides solid coverage at lower premiums, making it a budget-friendly alternative. While small copayments apply for office visits and emergency room services, many find this plan to be a cost-effective way to get comprehensive protection, albeit without coverage for excess charges. Learn more about the pros and cons of Plan N.

Required Benefits of Plan N in Missouri

Average Costs for Medigap Plans in Missouri

In Missouri, the cost of a plan varies depending on factors like the plan type, your age, gender, and tobacco use. Here’s an overview of the typical monthly premiums for the most popular supplemental plans in the state:

• Plan G: $150 - $200 per month
• Plan N: $120 - $170 per month

Key Factors Influencing Medigap Costs in Missouri

Several factors play a role in determining the cost of Medicare Supplements in Missouri. These include:

• Age: As you get older, your premiums may rise.
• Gender: Premium rates can vary by gender, with women often paying slightly less.
• Tobacco Use: If you use tobacco, expect to pay higher premiums.
• Location: Your location within Missouri can also influence your premium, as costs differ by region.

If you're looking to reduce your Medigap out-of-pocket costs, discover tips on how to find the best Medigap plan at the best price.

Compare All Medicare Supplement Plans in Missouri

If you want to see how all Medicare Supplement Insurance plans sold in Missouri stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Missouri and choose the plan that best fits your needs.

NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.

How and When to Enroll in Medigap Plans in Missouri

Medigap enrollment in Missouri is governed by specific periods that determine when you can sign up for coverage. Your eligibility to enroll and the cost of your plan can depend on the timing of your enrollment. Below, we explain the key enrollment periods:

Medigap Enrollment Periods

• Initial Enrollment Period (IEP): This seven-month period spans from three months before your 65th birthday to three months after. During this window, you can choose any Medigap plan without facing pre-existing condition exclusions. Learn more about the Initial Enrollment Period.
• Open Enrollment Period (OEP): The six-month Medigap open enrollment period begins when you turn 65 and enroll in Medicare Part B. You can sign up for any Medigap plan during this time without medical underwriting. Read more about the Medigap Open Enrollment Period or explore tips for navigating Medigap enrollment.
• Special Enrollment Period (SEP): If you experience certain life events, such as losing other health coverage, you might qualify for a Special Enrollment Period to enroll in a Medigap plan. Learn more about Special Enrollment Periods.

Steps to Enroll in a Medigap Plan

Ready to sign up for Medicare Supplement coverage in Missouri? Here's how to do it:

1. Review Your Options: Compare the available Medigap plans in Missouri to find the right match for your healthcare needs and budget.
2. Check Enrollment Dates: Ensure that you’re in the right enrollment period, whether it’s your Initial Enrollment Period, Open Enrollment Period, or a Special Enrollment Period.
3. Apply for Coverage: Reach out to your chosen insurer or broker to apply for your preferred Medigap plan.
4. Confirm Your Enrollment: Once approved, confirm your enrollment and make sure you understand your coverage.

For more guidance on enrolling in Medigap, visit our Medigap Enrollment Guide.

Frequently Asked Questions About Medigap in Missouri

How does Medigap differ from Medicare Advantage?

Medigap supplements Original Medicare by covering out-of-pocket costs, while Medicare Advantage plans are an alternative way to receive Medicare benefits through private insurance.

Can I change Medigap plans after enrolling?

Yes, but you may need to go through medical underwriting unless you qualify for guaranteed issue rights or special circumstances. Learn more about changing Medigap plans.

Do Medigap plans cover prescriptions?

No, Medigap plans don’t include prescription drug plans. You’ll need a separate Medicare Part D plan for that coverage.

What costs can I expect with Medigap plans?

In addition to the premium, you may encounter other costs like deductibles, copayments, and coinsurance, depending on your chosen plan.

Citations & References

• Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
• What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
• Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
• How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
• How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
• Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023