Best Missouri Medicare Supplement Companies & Plans (2024)

Medicare supplement plan, also known as Medigap, is an insurance policy sold by private companies to help pay for some healthcare costs that are not covered by Original Medicare, such as deductibles, coinsurance, and copayments.

Medicare Advantage and Medigap are both ways to get additional coverage beyond Original Medicare, but they work differently. Medicare Advantage plans are an alternative to Original Medicare and are provided by private insurance companies. Medigap policies are designed to supplement Original Medicare and are also provided by private insurance companies.

Yes, Missouri Medicare supplement plans are standardized. The coverage offered by each plan is the same across different insurance companies.

To compare Medicare supplement plans in Missouri, you should consider the premium, benefits, out-of-pocket costs, and the insurance company’s reputation. You can use an online comparison tool or contact an insurance agent for help.

Yes, you can switch Medicare supplement plans in Missouri. However, you may be subject to medical underwriting, which means the insurance company can charge you a higher premium or deny coverage based on your health status.

The best time to enroll in a Missouri Medicare supplement plan is during your Medigap Open Enrollment Period, which starts the month you turn 65 and are enrolled in Medicare Part B. During this time, you have a guaranteed issue right, meaning that insurance companies cannot deny you coverage or charge you a higher premium based on your health status.