2027 Medicare Advantage plans in Stone County, MO
Medicare options for people in Galena, Kimberling City, Reeds Spring, Crane, and Branson West. Here is how the 2027 market looks in Stone County, and how to choose well.
Stone County at a glance for 2027
Stone County has 36 individual Medicare Advantage plans for 2027. Plan choice here falls in the middle of the 8 counties our Springfield office serves (from 35 to 38 plans). 29 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 Stone County snapshot | Value |
|---|---|
| HMO plans (use the plan’s network) | 19 |
| PPO plans (in- and out-of-network coverage) | 15 |
| PFFS plans | 2 |
| Plans that include Part D drug coverage | 29 |
| 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 Stone County
With 36 options, the cheapest-looking plan is rarely the whole story. These are the questions we go through with every Stone 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 Galena.
- 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 Stone 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 Stone County
Stone County has no acute-care hospital of its own, so residents typically travel to Cox Medical Center Branson in nearby Branson (Taney County) for hospital care, with some also going to Mercy Hospital Aurora or Mercy Hospital Cassville in neighboring counties.
- Social Security office for Galena: 1570 W Battlefield St, 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 Stone 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 Stone 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 Stone County
Our Springfield office helps people across Stone County, from Galena to Kimberling City, Reeds Spring, Crane, and Branson West. We compare the plans we represent side by side and stay your contact after you enroll. Our help is free.
Stone County Medicare FAQ
How many Medicare Advantage plans are in Stone County, MO for 2027?
CMS lists 36 individual Medicare Advantage plans in Stone County for 2027, offered by 7 insurance organizations. This count excludes Special Needs Plans.
Are there $0-premium Medicare Advantage plans in Stone County?
Yes. 29 of the 36 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 Stone County plans offer a Part B giveback?
10 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 Galena?
Stone County is served by our Springfield office. Call (417) 633-7200 for help by phone or to set up a time to meet.
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