Medicare Advantage Plans in Saint Louis County, MO:
Your Complete 2026 Guide
For 2026, residents of Saint Louis County, MO can choose from 46 Medicare Advantage plan options. Of these, 36 cost nothing beyond the Part B premium. Enrollment in the County stands at approximately 94,973, with 43% of plans achieving 4 stars or better. This page and its statistics exclude Special Needs Plans (SNPs). See Medicare Special Needs Plans available in Saint Louis County, MO.
Last update: . Enrollment data last updated: May 2, 2026
* CMS rates Medicare Advantage plans annually using a 5-star system. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. While using out-of-network doctors or hospitals usually means higher costs, PPOs may appeal to people who want more flexibility in how they access their healthcare.
- Total PPO Plans
- 21
- Average Premium
- $27.90/mo
- Beneficiaries Enrolled
- 17,618
- $0 Premium PPOs
- 15
- Average MOOP
- $5,412
- Most Popular PPO
- AARP Medicare Advantage from UHC ST-0001 (PPO) with 3,951 enrollees
- PPOs Without Drug Coverage
- 5
- What is the average monthly premium for PPO plans in Saint Louis?
- On average, PPO plans in Saint Louis cost $27.90 per month.
- Which PPO plan has the highest enrollment in Saint Louis?
- The most popular PPO in Saint Louis is AARP Medicare Advantage from UHC ST-0001 (PPO), covering 3,951 beneficiaries.
- How many PPO plans in Saint Louis do not include prescription drug coverage?
- 5 PPO plans available in Saint Louis do not include Part D benefits.
Medicare Advantage HMO Plans
HMO plans are designed around a set network of doctors and hospitals. Staying within that network is usually required for coverage, but this arrangement often results in lower overall costs, including both premiums and out-of-pocket expenses, for plan members.
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Essence Advantage | $0 | $3,400 | $0 | H2610 005 0 | |
| Essence Advantage Plus | $59 | $2,900 | $0 | H2610 006 0 | |
| Essence Advantage Select | $0 | $3,900 | $340 | H2610 016 0 | |
| Humana Essentials Plus Giveback H4461-045 | $0 | $4,200 | $615 | H4461 045 0 | |
| Humana Total Complete H4461-046 | $0 | $2,700 | $615 | H4461 046 0 | |
| HealthSpring Preferred | $0 | $2,300 | $200 | H0439 020 0 | |
| HealthSpring Preferred Savings | $0 | $6,750 | $0 | H0439 021 0 | |
| Humana Gold Plus Giveback H0028-065 | $0 | $4,200 | $615 | H0028 065 0 | |
| Humana Gold Plus H0028-014 | $0 | $2,700 | $615 | H0028 014 0 | |
| DEVOTED CORE 001 MO | $0 | $3,100 | $385 | H2041 001 0 | |
| DEVOTED GIVEBACK 002 MO | $0 | $7,000 | $605 | H2041 002 0 |
What is the total number of HMO plans offered in Saint Louis?
There are 11 HMO plans in 2026, covering 27,990 beneficiaries.
How much do HMO plans cost on average in Saint Louis?
The average HMO premium is $5.36, with 10 costing $0.
What is the top HMO by enrollment in Saint Louis?
Essence Advantage (HMO) is the most popular HMO plan in Saint Louis, with 9,053 enrollees.
What is the number of HMO plans without Part D coverage in Saint Louis?
0 HMO plans in Saint Louis do not include prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, but they also permit some use of out-of-network doctors and hospitals. Those services are generally more expensive, but the added access can be valuable for people who don’t want to be fully limited to a single network.
- Total HMO-POS Plans
- 12
- Average Premium
- $5.91/mo
- Beneficiaries Enrolled
- 49,320
- $0 Premium HMO-POS
- 10
- Average MOOP
- $4,708
- Most Popular HMO-POS
- AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) with 15,457 enrollees
- HMO-POS Without Drug Coverage
- 2
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC ST-6 | $0 | $6,700 | $600 | H2802 073 0 | |
| AARP Medicare Advantage Essentials from UHC ST-3 | $0 | $3,200 | $440 | H2802 028 0 | |
| AARP Medicare Advantage Extras from UHC ST-4 | $0 | $3,900 | $520 | H2802 052 0 | |
| AARP Medicare Advantage from UHC ST-1P | $0 | $2,900 | $355 | H2802 071 0 | |
| AARP Medicare Advantage Patriot No Rx MO-MA01 | $0 | $4,900 | N/A | H2802 050 0 | |
| Aetna Medicare Eagle | $0 | $4,900 | N/A | H2663 069 0 | |
| Aetna Medicare Enhanced Extra | $40 | $5,900 | $615 | H2663 006 0 | |
| Aetna Medicare Signature | $0 | $3,400 | $615 | H2663 005 0 | |
| Aetna Medicare Value Plus | $31 | $4,200 | $615 | H2663 057 0 | |
| Anthem Medicare Advantage | $0 | $3,500 | $210 | H3447 038 2 | |
| Wellcare Giveback | $0 | $7,000 | $615 | H1664 006 0 | |
| Wellcare Simple | $0 | $6,000 | $615 | H1664 001 0 |
What is the average monthly premium for HMO-POS plans?
On average, HMO-POS plans in Saint Louis cost $5.91 per month.
Which HMO-POS plan is most popular in Saint Louis?
The leading HMO-POS in Saint Louis is AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS), with 15,457 members.
How many HMO-POS plans in Saint Louis do not include drug coverage?
There are 2 HMO-POS plans in Saint Louis without Part D benefits.
Medicare Advantage PFFS Plans
Private Fee-for-Service (PFFS) plans let members visit any Medicare-approved provider that accepts the plan’s payment rules and terms. This structure gives you more flexibility in selecting doctors and hospitals, but it’s important to check provider acceptance before receiving care.
- Total PFFS Plans 2
- Average Premium $18.50/mo
- Beneficiaries Enrolled 45
- $0 Premium PFFS 1
- Average MOOP $6,750
- Most Popular PFFS Humana Gold Choice H8145-006 (PFFS) with 45 enrollees
- PFFS Without Drug Coverage 1
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Humana Gold Choice H8145-006 | $37 | $6,800 | $615 | H8145 006 0 | |
| Humana Gold Choice H8145-126 | $0 | $6,700 | N/A | H8145 126 0 |
What is the top PFFS plan in Saint Louis?
Humana Gold Choice H8145-006 (PFFS) is the most popular PFFS plan in Saint Louis, with 45 enrollees.
What is the number of PFFS plans without Part D coverage in Saint Louis?
1 PFFS plans in Saint Louis do not include prescription drug coverage.
The table below shows the quality ratings for Medicare Advantage plans offered in Saint Louis County, MO for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 19 | 43% |
| 3 Stars | 23 | 52% |
| Below 3 Stars | 2 | 5% |
| Not Rated | 2 | 4% |
| Average Rating | 3.65 | |
Medicare Advantage comes with strict enrollment windows. By knowing when and how to sign up, you’ll avoid missed deadlines and keep your healthcare coverage aligned with your needs.
Key Medicare Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month window starts three months before the month you turn 65 and ends three months after. It’s the first time you can sign up for Medicare and, if you choose, a Medicare Advantage plan. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Each year from January 1 through March 31, you may change to another Medicare Advantage plan or drop your plan and return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): This yearly window, running October 15 to December 7, gives you the opportunity to join, switch, or drop Medicare Advantage and Part D plans. Learn more
- Special Enrollment Periods (SEPs): Outside the standard enrollment dates, you may qualify for a Special Enrollment Period if specific circumstances apply, including relocation or coverage loss. Learn more
Enrollment Options Explained
- Talk with a Licensed Agent: Licensed agents at HealthCompare can explain your Medicare Advantage choices. Reach them at 1-833-748-3201 (TTY 711), Monday–Friday 5am–6pm and Saturday 6am–5pm PST.
- Contact the Plan Provider Directly: Enrollment can also be completed by calling the plan provider’s customer service line or visiting their official website.
- Use Medicare.gov: The official Medicare website, Medicare.gov, lets you review available plans and complete enrollment 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 Chesterfield, Ballwin, Eureka, Fenton, Florissant, Wildwood, Hazelwood, Maryland Heights, Bridgeton, Saint Ann, Valley Park, Saint Louis, and all other areas of Saint Louis County, Missouri.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: 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, Capital Blue Cross, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, 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(R), Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Last accessed September 26, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed October 10, 2025
- CMS.gov, Plan Benefits Package — Last accessed October 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed May 2, 2026
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.
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — 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 2026 Medicare Advantage plans available in Saint Louis 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, Medicare Technical Operator, using a standardized, data-driven methodology designed for accurate, non-commercial Medicare plan interpretation and resolution.