Medicare Advantage Plans in Saint Francois County, MO:
Your Complete 2027 Guide
Saint Francois County, MO offers 28 Medicare Advantage plans in 2027. This includes 21 with $0 monthly premiums. Currently, about 5,427 beneficiaries in the County are enrolled, and 61% of available plans have a 4-star rating or higher. Special Needs Plans are not included in the figures shown above. Explore SNP options for Saint Francois County, MO here. For a broader view beyond Medicare Advantage, see all Medicare coverage options in Saint Francois County.
Page last revised:
Enrollment data refreshed: October 5, 2026
* Each year CMS evaluates Medicare Advantage plans on a 5-star scale. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans offer flexibility by allowing you to see both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs may appeal to people who want more choice in doctors and hospitals.
- Total PPO Plans 15
- Average Premium $26.20/mo
- Beneficiaries Enrolled 799
- $0 Premium PPOs 10
- Average MOOP $6,100
- Most Popular PPO Humana Value Choice (PPO) with 299 enrollees
- PPOs Without Drug Coverage 3
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Humana Full Access | $0 | $6,600 | $500 | H7617 008 0 | |
| Humana USAA Honor Giveback | $0 | $4,700 | N/A | H7617 012 0 | |
| Humana Value Choice | $0 | $4,400 | $700 | H7617 023 0 | |
| AARP Medicare Advantage from UHC ST-0001 | $58 | $7,150 | $685 | H2406 043 0 | |
| Aetna Medicare Elite | $0 | $4,900 | $700 | H5521 750 0 | |
| Aetna Medicare Elite Classic | $0 | $5,900 | $700 | H1608 050 0 | |
| Aetna Medicare Elite Classic Extra | $0 | $4,900 | $700 | H1608 067 0 | |
| Aetna Medicare Enhanced | $70 | $7,500 | $700 | H5521 748 0 | |
| Aetna Medicare Enhanced Classic | $70 | $7,500 | $700 | H1608 013 0 | |
| Humana Full Access | $0 | $6,350 | $500 | H5216 407 0 | |
| Humana USAA Honor Giveback | $0 | $4,700 | N/A | H5216 278 1 | |
| Humana Value Choice | $0 | $4,450 | $700 | H5216 318 1 | |
| HumanaChoice H5216-032 | $76 | $9,250 | $700 | H5216 032 0 | |
| Humana USAA Honor Giveback | $0 | $5,500 | N/A | R1532 001 0 | |
| HumanaChoice R1532-002 | $119 | $7,700 | $700 | R1532 002 0 |
What is the most popular PPO plan in Saint Francois?
Humana Value Choice (PPO) is the top PPO in Saint Francois, with 299 enrollees.
What is the number of PPO plans without Part D coverage in Saint Francois?
There are 3 PPO plans in Saint Francois without prescription drug coverage.
Medicare Advantage HMO Plans
With an HMO, you’ll typically get care from providers and facilities in the plan’s network. In exchange for this limitation, HMO plans usually feature lower monthly premiums and reduced cost-sharing, which can help enrollees better manage their healthcare expenses.
- Total HMO Plans
- 4
- Average Premium
- $0.00/mo
- Beneficiaries Enrolled
- 2,127
- $0 Premium HMOs
- 4
- Average MOOP
- $3,525
- Most Popular HMO
- Humana Total Complete (HMO) with 1,205 enrollees
- HMOs Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Humana Essentials Plus Giveback | $0 | $4,200 | $700 | H4461 045 0 | |
| Humana Essentials Plus Giveback | $0 | $4,200 | $700 | H0028 065 0 | |
| Humana Total Complete | $0 | $2,850 | $700 | H4461 046 0 | |
| Humana Total Complete | $0 | $2,850 | $700 | H0028 014 0 |
What is the typical premium for HMO plans in Saint Francois?
On average, HMO plans in Saint Francois cost $0.00 per month.
Which HMO plan do most beneficiaries choose in Saint Francois?
The leading HMO in Saint Francois is Humana Total Complete (HMO), with 1,205 members.
How many HMO options are offered without prescription drug coverage in Saint Francois?
There are 0 HMO plans available in Saint Francois without Part D benefits.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans blend elements of HMO and PPO coverage. You can see providers outside the network, but out-of-network services typically cost more. This type of plan may appeal to people who like the lower costs of an HMO but also want occasional flexibility to go out of network.
- Total HMO-POS Plans 9
- Average Premium $8.67/mo
- Beneficiaries Enrolled 2,501
- $0 Premium HMO-POS 7
- Average MOOP $5,317
- Most Popular HMO-POS AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) with 976 enrollees
- HMO-POS Without Drug Coverage 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC ST-6 | $0 | $7,150 | $685 | H2802 073 0 | |
| AARP Medicare Advantage Essentials from UHC ST-3 | $0 | $4,450 | $685 | H2802 028 0 | |
| AARP Medicare Advantage Extras from UHC ST-4 | $19 | $4,450 | $685 | H2802 052 0 | |
| AARP Medicare Advantage from UHC ST-1P | $0 | $4,100 | $685 | H2802 071 0 | |
| AARP Medicare Advantage Patriot No Rx MO-MA01 | $0 | $5,900 | N/A | H2802 050 0 | |
| Aetna Medicare Eagle | $0 | $4,900 | N/A | H2663 069 0 | |
| Aetna Medicare Enhanced Extra | $59 | $5,900 | $700 | H2663 006 0 | |
| Aetna Medicare Signature | $0 | $5,500 | $700 | H2663 041 0 | |
| Aetna Medicare Value Plus | $0 | $5,500 | $400 | H2663 057 0 |
What is the total number of HMO-POS plans in Saint Francois?
In 2027, Saint Francois has 9 HMO-POS plans, with 2,501 enrollees.
How much do HMO-POS plans cost on average in Saint Francois?
The mean monthly HMO-POS premium is $8.67, and 7 have no premium.
The table below shows the quality ratings for Medicare Advantage plans offered in Saint Francois County, MO for 2027.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 17 | 61% |
| 3 Stars | 11 | 39% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.93 | |
For residents of Saint Francois County, signing up for a Medicare Advantage plan isn’t just about benefits—it’s about timing. Learning the key enrollment periods ensures you don’t lose access to the coverage that works best for you.
When You Can Sign Up
- Initial Enrollment Period (IEP): Lasting seven months around your 65th birthday, this period lets you enroll in Medicare for the first time. You may also choose a Medicare Advantage plan during this time. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Between January 1 and March 31, people already enrolled in Medicare Advantage can make a one-time change—switch to another plan or return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): From October 15 through December 7 each year, you can make changes to your Medicare coverage for the following year. Learn more
- Special Enrollment Periods (SEPs): Life events like moving to a new service area, losing other health coverage, or becoming eligible for assistance may open a Special Enrollment Period to adjust your Medicare coverage. Learn more
Ways to Enroll in Medicare Advantage
- Consult a Licensed Agent: Call a licensed insurance agent at 1-833-748-3201 (TTY 711), available Mon-Fri 8AM-10PM, Sat 9AM-8PM EST, for help reviewing your Medicare options.
- Contact the Plan Provider Directly: Start enrollment by reaching out to the plan provider through their website or by phone with their member services team.
- Use Medicare.gov: At Medicare.gov, you can compare Medicare Advantage plans side by side and enroll securely online.
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in French Village, Park Hills, Bismarck, Blackwell, Bonne Terre, Doe Run, Farmington, Leadwood, and all other areas of Saint Francois County, Missouri. For a broader view of coverage choices across the state, see Medicare plan options in Missouri.
Plans Offered through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare®, Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Version: CY2027 Landscape (202609.1)
- CMS.gov, Medicare Part C & D Performance — Version: 2027 Star Ratings Data Tables
- CMS.gov, Plan Benefits Package — Version: PBP Benefits-2027
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Version: 2026-09
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Landscape file, Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data. Enrollment counts and rankings (such as Top 3 plans by enrollment) are derived from CMS monthly enrollment files and aggregated at the county level.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data.
To explore how 2027 Medicare Advantage plans available in Saint Francois County compare with plans offered elsewhere, you can search the Medicare Advantage plan directory to review options nationwide using the same authoritative data sources.
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard.
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate Medicare coverage interpretation and resolution.