2027 Medicare Advantage plans in Polk County, MO
Medicare options for people in Bolivar, Humansville, Pleasant Hope, and Fair Play. Here is how the 2027 market looks in Polk County, and how to choose well.
Polk County at a glance for 2027
Polk County has 38 individual Medicare Advantage plans for 2027. That’s the most plans of any county our Springfield office serves. 30 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 Polk County snapshot | Value |
|---|---|
| HMO plans (use the plan’s network) | 20 |
| PPO plans (in- and out-of-network coverage) | 16 |
| PFFS plans | 2 |
| Plans that include Part D drug coverage | 30 |
| Lowest in-network maximum out-of-pocket (MOOP) | $2,000 |
| 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 Polk County
With 38 options, the cheapest-looking plan is rarely the whole story. These are the questions we go through with every Polk 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 Bolivar.
- 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 Polk County start at $2,000. 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 Polk County
Polk County residents have access to in-county acute care at Citizens Memorial Hospital in Bolivar, which also provides emergency services and specialty clinics; for care beyond what CMH offers, residents in towns like Humansville, Pleasant Hope, and Fair Play may need to travel to Bolivar or nearby Springfield.
- Hospitals in Polk County: Citizens Memorial Hospital (Bolivar). Before you pick a plan, check that the hospital you would actually use is in its network.
- Social Security office for Bolivar: 1570 W Battlefield St, Ste 100, Springfield, MO 65807. This is where you can sign up for Part A and Part B in person (or online at ssa.gov).
- Local senior services: SeniorAge Area Agency on Aging serves Polk 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 Springfield office can walk you through it.
When you can enroll or switch
Most Polk 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 Polk County
Our Springfield office helps people across Polk County, from Bolivar to Humansville, Pleasant Hope, and Fair Play. We compare the plans we represent side by side and stay your contact after you enroll. Our help is free.
Polk County Medicare FAQ
How many Medicare Advantage plans are in Polk County, MO for 2027?
CMS lists 38 individual Medicare Advantage plans in Polk County for 2027, offered by 8 insurance organizations. This count excludes Special Needs Plans.
Are there $0-premium Medicare Advantage plans in Polk County?
Yes. 31 of the 38 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 Polk 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 Bolivar?
Polk County is served by our Springfield office. Call (417) 633-7200 for help by phone or to set up a time to meet.
Free Polk County plan review
Tell us how to reach you. A local advisor will call, usually the same business day.
Thanks, , we've got it.
A local advisor will call you at , usually the same business day. Can't wait? Call (844) 348-4138.
No cost, no obligation. We never sell your information.
Talk to a Medicare advisor in Polk County
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.