Medigap Plans Across Missouri are Standardized
The Missouri Department of Insurance and the federal government have worked together to standardize Medigap insurance policies. Insurance companies must clearly identify plans as Medicare Supplement Insurance and each plan must use a standardized letter code, A through N. Each lettered plan offers the same benefits, regardless of the carrier offering it. Only the rates are different.
All Missouri Medigap policies offer the same basic benefits, however, some offer additional gap coverage. This allows you to choose the amount of insurance you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medigap policies:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit your state's Department of Insurance website at http://www.insurance.mo.gov/.
Medigap Works with Medicare Part D
Medigap does not cover your prescriptions. By law, Medicare Supplement insurance must be in lock-step with Original Medicare. So, if Medicare does not cover it, a supplement policy can't cover it.
Here's the complete list of Medicare Prescription Drug Plans available in Missouri.
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Missouri SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- 1-800-390-3330; (573) 817-8320