2027 Medicare Advantage plans in City of St. Louis, MO
Medicare options for people in St. Louis, South City, Central West End, and The Hill. Here is how the 2027 market looks in City of St. Louis, and how to choose well.
City of St. Louis at a glance for 2027
City of St. Louis has 45 individual Medicare Advantage plans for 2027. Plan choice here falls in the middle of the 5 counties our Wildwood office serves (from 40 to 46 plans). 38 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 City of St. Louis snapshot | Value |
|---|---|
| HMO plans (use the plan’s network) | 23 |
| PPO plans (in- and out-of-network coverage) | 21 |
| PFFS plans | 1 |
| Plans that include Part D drug coverage | 38 |
| 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 City of St. Louis
With 45 options, the cheapest-looking plan is rarely the whole story. These are the questions we go through with every City of St. Louis 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 St. Louis.
- 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 City of St. Louis 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 City of St. Louis
St. Louis City residents can receive acute hospital and specialist care in-county at facilities such as Barnes-Jewish Hospital, Saint Louis University Hospital, SSM Health Cardinal Glennon Children's Hospital, and St. Louis Children's Hospital; some larger or suburban facilities like Mercy Hospital and St. Luke's Hospital are located in neighboring St. Louis County rather than the city itself.
- Hospitals in City of St. Louis: Barnes-Jewish Hospital (St. Louis), Christian Hospital (St. Louis), Kindred Hospital - St. Louis (St. Louis), Metropolitan Saint Louis Psychiatric Center (St. Louis), and The Rehabilitation Institute of St. Louis (St. Louis). Before you pick a plan, check that the hospital you would actually use is in its network.
- Social Security office for St. Louis: 717 N. 16th St., Ste 100, St. Louis, MO 63103. This is where you can sign up for Part A and Part B in person (or online at ssa.gov).
- Local senior services: St. Louis Area Agency on Aging (SLAAA) serves City of St. Louis 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 City of St. Louis 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 City of St. Louis
Our Wildwood office helps people across City of St. Louis, from St. Louis to South City, Central West End, and The Hill. We compare the plans we represent side by side and stay your contact after you enroll. Our help is free.
City of St. Louis Medicare FAQ
How many Medicare Advantage plans are in City of St. Louis, MO for 2027?
CMS lists 45 individual Medicare Advantage plans in City of St. Louis for 2027, offered by 8 insurance organizations. This count excludes Special Needs Plans.
Are there $0-premium Medicare Advantage plans in City of St. Louis?
Yes. 33 of the 45 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 City of St. Louis plans offer a Part B giveback?
12 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 St. Louis?
City of St. Louis is served by our Wildwood office. Call (844) 348-4138 for help by phone or to set up a time to meet.
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