2027 Medicare Advantage plans in St. Louis County, MO
Medicare options for people in Clayton, Wildwood, Chesterfield, Ballwin, Kirkwood, Florissant, and Ellisville. Here is how the 2027 market looks in St. Louis County, and how to choose well.
St. Louis County at a glance for 2027
St. Louis County has 46 individual Medicare Advantage plans for 2027. That’s the most plans of any county our Wildwood office serves. 38 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 St. Louis County snapshot | Value |
|---|---|
| HMO plans (use the plan’s network) | 23 |
| PPO plans (in- and out-of-network coverage) | 21 |
| PFFS plans | 2 |
| 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 St. Louis County
With 46 options, the cheapest-looking plan is rarely the whole story. These are the questions we go through with every St. Louis 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 Clayton.
- 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 St. Louis 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 St. Louis County
St. Louis County residents have several in-county hospitals available, including St. Luke's Hospital and Mercy Rehabilitation Hospital in Chesterfield, Barnes-Jewish West County Hospital in Creve Coeur, Missouri Baptist Medical Center in Town and Country, SSM Health St. Mary's Hospital in Richmond Heights, and Christian Hospital in Florissant. Many major specialty and tertiary hospitals, such as Barnes-Jewish Hospital and St. Louis Children's Hospital, are located just outside the county in the City of St. Louis.
- Hospitals in St. Louis County: Barnes-Jewish West County Hospital (Creve Coeur), Mercy Rehabilitation Hospital St Louis (Chesterfield), Missouri Baptist Medical Center (Town and Country), St Luke's Rehabilitation Hospital (Chesterfield), and St Lukes Hospital (Chesterfield). Before you pick a plan, check that the hospital you would actually use is in its network.
- Social Security office for Clayton: 1215 Fern Ridge Pkwy Ste 100, Creve Coeur, MO 63141. This is where you can sign up for Part A and Part B in person (or online at ssa.gov).
- Local senior services: Aging Ahead serves St. Louis 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 Wildwood office can walk you through it.
When you can enroll or switch
Most St. Louis 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 St. Louis County
Our Wildwood office helps people across St. Louis County, from Clayton to Wildwood, Chesterfield, Ballwin, Kirkwood, Florissant, and Ellisville. We compare the plans we represent side by side and stay your contact after you enroll. Our help is free.
St. Louis County Medicare FAQ
How many Medicare Advantage plans are in St. Louis County, MO for 2027?
CMS lists 46 individual Medicare Advantage plans in St. Louis County for 2027, offered by 8 insurance organizations. This count excludes Special Needs Plans.
Are there $0-premium Medicare Advantage plans in St. Louis County?
Yes. 34 of the 46 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 St. Louis County 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 Clayton?
St. Louis County is served by our Wildwood office. Call (844) 348-4138 for help by phone or to set up a time to meet.
Free St. Louis County plan review
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