2027 Medicare Advantage plans in Scott County, MO
Medicare options for people in Benton, Sikeston, Scott City, Chaffee, and Oran. Here is how the 2027 market looks in Scott County, and how to choose well.
Scott County at a glance for 2027
Scott County has 20 individual Medicare Advantage plans for 2027. Plan choice here falls in the middle of the 6 counties our Cape Girardeau office serves (from 12 to 30 plans). 15 of those plans include Part D drug coverage. 5 are medical-only plans, which can work for people with drug coverage from the VA or TRICARE.
| 2027 Scott County snapshot | Value |
|---|---|
| HMO plans (use the plan’s network) | 9 |
| PPO plans (in- and out-of-network coverage) | 11 |
| Plans that include Part D drug coverage | 15 |
| 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 Scott County
With 20 options, the cheapest-looking plan is rarely the whole story. These are the questions we go through with every Scott 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 Benton.
- 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 Scott 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 Scott County
Scott County has no hospital of its own, so residents typically travel to nearby facilities such as Missouri Delta Medical Center in New Madrid County or Saint Francis Medical Center and Mercy Hospital Southeast in Cape Girardeau for hospital and specialist care.
- Social Security office for Benton: 711 York Drive, Sikeston, MO. 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 Scott 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 Scott 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 Scott County
Our Cape Girardeau office helps people across Scott County, from Benton to Sikeston, Scott City, Chaffee, and Oran. We compare the plans we represent side by side and stay your contact after you enroll. Our help is free.
Scott County Medicare FAQ
How many Medicare Advantage plans are in Scott County, MO for 2027?
CMS lists 20 individual Medicare Advantage plans in Scott County for 2027, offered by 3 insurance organizations. This count excludes Special Needs Plans.
Are there $0-premium Medicare Advantage plans in Scott County?
Yes. 18 of the 20 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 Scott County plans offer a Part B giveback?
7 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 Benton?
Scott 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 Scott County plan review
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