2027 Medicare Advantage plans in Stoddard County, MO
Medicare options for people in Bloomfield, Dexter, Advance, Puxico, and Bernie. Here is how the 2027 market looks in Stoddard County, and how to choose well.
Stoddard County at a glance for 2027
Stoddard County has 23 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). 17 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 Stoddard County snapshot | Value |
|---|---|
| HMO plans (use the plan’s network) | 12 |
| PPO plans (in- and out-of-network coverage) | 9 |
| PFFS plans | 2 |
| Plans that include Part D drug coverage | 17 |
| 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 Stoddard County
With 23 options, the cheapest-looking plan is rarely the whole story. These are the questions we go through with every Stoddard 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 Bloomfield.
- 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 Stoddard 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 Stoddard County
Stoddard County residents have access to acute hospital and emergency care at Mercy Hospital Stoddard in Dexter, which also offers visiting specialists in areas such as heart, vascular, lung, cancer, and digestive care. The search results did not clearly identify any other acute-care hospitals located within the county.
- Hospitals in Stoddard County: Mercy Hospital Stoddard (Dexter). Before you pick a plan, check that the hospital you would actually use is in its network.
- Local senior services: Aging Matters (Southeast Missouri Area Agency on Aging) serves Stoddard 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 Stoddard 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 Stoddard County
Our Cape Girardeau office helps people across Stoddard County, from Bloomfield to Dexter, Advance, Puxico, and Bernie. We compare the plans we represent side by side and stay your contact after you enroll. Our help is free.
Stoddard County Medicare FAQ
How many Medicare Advantage plans are in Stoddard County, MO for 2027?
CMS lists 23 individual Medicare Advantage plans in Stoddard County for 2027, offered by 4 insurance organizations. This count excludes Special Needs Plans.
Are there $0-premium Medicare Advantage plans in Stoddard County?
Yes. 20 of the 23 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 Stoddard 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 Bloomfield?
Stoddard 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 Stoddard County plan review
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