2027 Medicare Advantage plans in Jackson County, MO
Medicare options for people in Independence, Kansas City, Lee’s Summit, Blue Springs, Grandview, and Raytown. Here is how the 2027 market looks in Jackson County, and how to choose well.
Jackson County at a glance for 2027
Jackson County has 36 individual Medicare Advantage plans for 2027. That’s the most plans of any county our Belton office serves. 28 of those plans include Part D drug coverage. 8 are medical-only plans, which can work for people with drug coverage from the VA or TRICARE.
| 2027 Jackson County snapshot | Value |
|---|---|
| HMO plans (use the plan’s network) | 15 |
| PPO plans (in- and out-of-network coverage) | 19 |
| PFFS plans | 2 |
| Plans that include Part D drug coverage | 28 |
| Lowest in-network maximum out-of-pocket (MOOP) | $2,800 |
| 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 Jackson County
With 36 options, the cheapest-looking plan is rarely the whole story. These are the questions we go through with every Jackson 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 Independence.
- 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 Jackson County start at $2,800. 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 Jackson County
Jackson County residents have access to multiple in-county hospitals, including Centerpoint Medical Center in Independence, St. Mary's Medical Center in Blue Springs, Lee's Summit Medical Center and Saint Luke's East Hospital in Lee's Summit, and several large hospitals in Kansas City such as Children's Mercy, Research Medical Center, St. Joseph Medical Center, St. Luke's Hospital of Kansas City, and the University Health (Truman Medical Center) campuses. This gives county residents, including those in Independence, Lee's Summit, Blue Springs, Grandview, and Raytown, broad local access to acute hospital and specialist care without needing to travel outside the county.
- Hospitals in Jackson County: Centerpoint Medical Center (Independence), Children's Mercy Hospital (Kansas City), Lee's Summit Medical Center (Lee's Summit), Research Medical Center (Kansas City), and Saint Luke's East Lee's Summit Hospital (Lee's Summit). Before you pick a plan, check that the hospital you would actually use is in its network.
- Social Security office for Independence: 3520 S Noland Rd, Ste C, Independence, MO 64055. This is where you can sign up for Part A and Part B in person (or online at ssa.gov).
- Local senior services: Mid-America Regional Council (MARC) Area Agency on Aging serves Jackson 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 Belton office can walk you through it.
When you can enroll or switch
Most Jackson 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 Jackson County
Our Belton office helps people across Jackson County, from Independence to Kansas City, Lee’s Summit, Blue Springs, Grandview, and Raytown. We compare the plans we represent side by side and stay your contact after you enroll. Our help is free.
Jackson County Medicare FAQ
How many Medicare Advantage plans are in Jackson County, MO for 2027?
CMS lists 36 individual Medicare Advantage plans in Jackson County for 2027, offered by 5 insurance organizations. This count excludes Special Needs Plans.
Are there $0-premium Medicare Advantage plans in Jackson County?
Yes. 29 of the 36 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 Jackson County plans offer a Part B giveback?
14 plans include a Part B premium reduction, sometimes called a “giveback.” The largest is $164.70 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 Independence?
Jackson County is served by our Belton office. Call (844) 348-4138 for help by phone or to set up a time to meet.
Free Jackson County plan review
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