2027 Medicare Advantage plans in Perry County, MO
Medicare options for people in Perryville, Altenburg, and Frohna. Here is how the 2027 market looks in Perry County, and how to choose well.
Perry County at a glance for 2027
Perry County has 30 individual Medicare Advantage plans for 2027. That’s the most plans of any county our Cape Girardeau office serves. 24 of those plans include Part D drug coverage. 6 are medical-only plans, which can work for people with drug coverage from the VA or TRICARE.
| 2027 Perry County snapshot | Value |
|---|---|
| HMO plans (use the plan’s network) | 13 |
| PPO plans (in- and out-of-network coverage) | 15 |
| PFFS plans | 2 |
| Plans that include Part D drug coverage | 24 |
| 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 Perry County
With 30 options, the cheapest-looking plan is rarely the whole story. These are the questions we go through with every Perry 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 Perryville.
- 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 Perry 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 Perry County
Perry County residents can receive acute hospital care locally at Mercy Hospital Perry (also known as Perry County Memorial Hospital) in Perryville, and for Social Security office services they travel to the Social Security Administration field office in Cape Girardeau, which serves Perry County.
- Hospitals in Perry County: Mercy Hospital Perry (Perry County Memorial Hospital) (Perryville). Before you pick a plan, check that the hospital you would actually use is in its network.
- Social Security office for Perryville: 2445 Cape Centre Dr, Ste 101, Cape Girardeau, MO 63703. This is where you can sign up for Part A and Part B in person (or online at ssa.gov).
- Local senior services: Aging Matters (Southeast Missouri Area Agency on Aging) serves Perry 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 Cape Girardeau office can walk you through it.
When you can enroll or switch
Most Perry 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 Perry County
Our Cape Girardeau office helps people across Perry County, from Perryville to Altenburg, and Frohna. We compare the plans we represent side by side and stay your contact after you enroll. Our help is free.
Perry County Medicare FAQ
How many Medicare Advantage plans are in Perry County, MO for 2027?
CMS lists 30 individual Medicare Advantage plans in Perry County for 2027, offered by 4 insurance organizations. This count excludes Special Needs Plans.
Are there $0-premium Medicare Advantage plans in Perry County?
Yes. 24 of the 30 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 Perry County plans offer a Part B giveback?
9 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 Perryville?
Perry County is served by our Cape Girardeau office. Call (844) 348-4138 for help by phone or to set up a time to meet.
Free Perry 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.