2027 Medicare Advantage plans in Franklin County, MO
Medicare options for people in Union, Washington, Pacific, Sullivan, and St. Clair. Here is how the 2027 market looks in Franklin County, and how to choose well.
Franklin County at a glance for 2027
Franklin County has 40 individual Medicare Advantage plans for 2027. That’s the fewest of the counties our Wildwood office serves, so picking the right plan matters even more. 33 of those plans include Part D drug coverage. 7 are medical-only plans, which can work for people with drug coverage from the VA or TRICARE.
| 2027 Franklin County snapshot | Value |
|---|---|
| HMO plans (use the plan’s network) | 21 |
| PPO plans (in- and out-of-network coverage) | 19 |
| Plans that include Part D drug coverage | 33 |
| Lowest in-network maximum out-of-pocket (MOOP) | $2,850 |
| Standalone Part D plans available in Missouri | 9 |
Source: CMS CY2027 Landscape and Plan Benefit Package files, Sept 2026. Individual plans, excluding Special Needs Plans. Plan availability can change. We do not offer every plan available in your area.
Live in a different county? Try our 2027 Plan Finder for any ZIP code in Missouri, Kansas, Arkansas, Iowa, Illinois, Oklahoma, or Kentucky.
How to choose a plan in Franklin County
With 40 options, the cheapest-looking plan is rarely the whole story. These are the questions we go through with every Franklin County client:
- Are my doctors and hospital in network? HMO plans generally only cover in-network care except emergencies. PPO plans let you go out of network for a higher cost. That matters if you see specialists outside Union.
- Are my prescriptions covered, and at what tier? Drug lists differ from plan to plan. For 2027, Part D out-of-pocket costs are capped at $2,400 a year, but your costs before that cap can vary a lot.
- What’s my worst-case year? In-network out-of-pocket maximums in Franklin County start at $2,850. A plan with a $0 premium and a high MOOP can cost more than a plan with a small premium.
- Is a Medicare Supplement a better fit? If you travel, split time out of state, or want to see any doctor who takes Medicare, compare a Medigap plan with a standalone Part D plan.
Local Medicare resources in Franklin County
Franklin County residents can access acute hospital care in-county at Mercy Hospital Washington in Washington, Missouri; the Missouri Hospital Profiles directory also lists a hospital in nearby Crawford County (Sullivan) that may serve residents near the Franklin-Crawford border.
- Hospitals in Franklin County: Mercy Hospital Washington (Washington). Before you pick a plan, check that the hospital you would actually use is in its network.
- Social Security office for Union: 43 Prairie Dell Plaza, Suite 5, Union, MO 63084. This is where you can sign up for Part A and Part B in person (or online at ssa.gov).
- Local senior services: Aging Ahead serves Franklin County with programs like meals, transportation, and caregiver support.
- Free government counseling: CLAIM, Missouri’s free State Health Insurance Assistance Program offers unbiased Medicare counseling at no cost.
Questions about how a plan works with your local doctors and hospitals? Our Wildwood office can walk you through it.
When you can enroll or switch
Most Franklin County residents can change plans during the Annual Enrollment Period, October 15 – December 7, for coverage that starts January 1. Medicare Advantage members get one more change from January 1 to March 31. New to Medicare? Start with our Turning 65 guide.
Local help for Franklin County
Our Wildwood office helps people across Franklin County, from Union to Washington, Pacific, Sullivan, and St. Clair. We compare the plans we represent side by side and stay your contact after you enroll. Our help is free.
Franklin County Medicare FAQ
How many Medicare Advantage plans are in Franklin County, MO for 2027?
CMS lists 40 individual Medicare Advantage plans in Franklin County for 2027, offered by 7 insurance organizations. This count excludes Special Needs Plans.
Are there $0-premium Medicare Advantage plans in Franklin County?
Yes. 31 of the 40 plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays, coinsurance, and deductibles still apply.
Do any Franklin County plans offer a Part B giveback?
11 plans include a Part B premium reduction, sometimes called a “giveback.” The largest is $170 a month. The giveback lowers the Part B amount taken from your Social Security check. It is only one factor to weigh against networks and drug coverage.
Where is the nearest Temmen Insurance office to Union?
Franklin County is served by our Wildwood office. Call (844) 348-4138 for help by phone or to set up a time to meet.
Free Franklin County plan review
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We’ll compare plans that fit your doctors, prescriptions, and budget, then explain the tradeoffs in plain English. There’s no cost for our help.