Medicare Advantage
Humana Medicare Advantage in Missouri for 2027: 36 Plans, County by County
JEFFERSON CITY — For the 2027 plan year, Humana is listing 36 Medicare Advantage plans across Missouri in the CMS Landscape files, a mix of HMO, HMO-POS, PPO and private fee-for-service options, including Special Needs Plans for people with certain conditions or dual Medicare and Medicaid eligibility. This explainer, from an independent Medicare education site that is not affiliated with Humana, Medicare or any government agency, walks through what the statewide file shows and how a Missouri reader can check whether any individual plan is available in their own county.
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Key takeaways
- Humana is listing 36 Medicare Advantage plans statewide in Missouri for 2027, and 32 of them include drug coverage.
- A plan listed statewide may or may not be offered in your county, so county-level availability is the step that matters.
- The Annual Enrollment Period runs October 15 through December 7, 2026, and a choice made in that window takes effect January 1, 2027.
- Free, unbiased help is available year-round at medicare.gov and 1-800-MEDICARE.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
What Humana Medicare Advantage plans are offered in Missouri for 2027?
Humana is offering 36 Medicare Advantage plans in Missouri for 2027, according to the CMS MA Landscape Source File. By plan type, that breaks down to 6 HMO plans, 10 HMO-POS plans, 18 PPO plans and 2 PFFS plans. Of the 36, 32 include Part D prescription drug coverage, and the remaining plans do not include drug coverage built in.
Humana's statewide list also includes Special Needs Plans: 4 Dual-Eligible Special Needs Plans (D-SNPs) for people with both Medicare and Medicaid, and 2 Chronic Condition SNPs (C-SNPs) tied to specific conditions. There are no Institutional SNPs on Humana's Missouri list for 2027. Humana is one of 12 carriers offering Medicare Advantage in the state for 2027; together, all carriers list 174 plans.
Which Humana plans have the widest county reach in Missouri for 2027?
The widest county reach on Humana's 2027 Missouri list belongs to its PPO products. Based on the CMS Landscape file, Humana USAA Honor Giveback (Regional PPO) and HumanaChoice R1532-002 (Regional PPO) are each listed in 115 Missouri counties, and two Humana USAA Honor Giveback (PPO) entries are listed in 112 and 106 counties, respectively.
Behind those, HumanaChoice SNP-DE H5216-164 (PPO D-SNP) is listed in 74 counties, HumanaChoice SNP-DE H7617-006 (PPO D-SNP) in 72, Humana Value Choice (PPO) entries in 63 and 61, HumanaChoice H5216-032 (PPO) in 62, and Humana Gold Choice H8145-006 (PFFS) in 57. Several HMO and HMO-POS plans — including Humana Gold Plus and Humana Total Complete entries — appear in smaller clusters of counties. The full plan-by-plan reach is in the tables on this page rather than repeated here.
What is new or not returning for Humana in Missouri in 2027?
For 2027, Humana's Missouri Landscape entry shows 0 brand-new plans and 0 plans that are not returning from 2026. Several existing plans are being renamed, which the CMS file flags as a continuation of the prior contract under a new marketing name.
Examples drawn from the Landscape file include Humana Essentials Plus Giveback (HMO), renamed from Humana Gold Plus Giveback H0028-065 (HMO); Humana Full Access (PPO), renamed from Humana Full Access H5216-407 (PPO); Humana Total Complete (HMO), renamed from Humana Gold Plus H0028-014 (HMO); and Humana Value Choice (PPO), renamed from Humana Value Choice H5216-318 (PPO). If your 2026 member materials used the old name, the renamed version in the 2027 table is the one to compare.
How do I check if a Humana plan is offered in my Missouri county and covers my doctors and drugs?
Start with the Medicare Plan Finder at medicare.gov, which lets you enter your ZIP code and county and see only the plans actually offered where you live for 2027. A plan listed in Humana's statewide total of 36 may not be offered in your specific Missouri county, because Medicare Advantage availability is set county by county.
Once you have the county-specific list, confirm two things for each plan you are considering: that your doctors, hospitals and other providers are in that plan's network for 2027, and that your prescriptions appear on that plan's drug list at a cost you can live with. Those details come from the plan's Evidence of Coverage, its provider and pharmacy directories, the Plan Finder tool, or 1-800-MEDICARE — not from a statewide summary like this one.
What should Missouri readers do before December 7, 2026?
Before December 7, 2026, Missouri readers who want their 2027 coverage to begin on January 1, 2027 should review their current plan's Annual Notice of Change, compare it with the 2027 options available in their county, and either confirm their current plan still fits or make a change through medicare.gov or 1-800-MEDICARE.
The Annual Enrollment Period runs October 15 through December 7, 2026. If you keep your current plan and it is returning for 2027, you do not have to do anything to stay enrolled. If you want to switch plans, add or drop drug coverage, or move between Original Medicare and Medicare Advantage, December 7, 2026 is the date the window closes for a January 1, 2027 effective date. A separate Medicare Advantage Open Enrollment Period runs January 1 through March 31, 2027 for people already in a Medicare Advantage plan who want to make one change.
Where can Missouri readers get free help comparing 2027 Medicare plans?
Free, unbiased help with 2027 Medicare plan comparisons is available from Medicare itself. The Medicare Plan Finder at medicare.gov shows every Medicare Advantage and Part D plan available in your Missouri ZIP code and county for 2027, including Humana's offerings and those of the other 11 carriers in the state.
You can also call 1-800-MEDICARE (1-800-633-4227), which is staffed 24 hours a day, 7 days a week, to ask about enrollment periods, plan availability, and how to compare options. This site is independent; it is not Humana, not Medicare, and not a government agency.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
2027 plan lineup
Humana Medicare Advantage plans in Missouri for 2027
CMS lists 36 Humana Medicare Advantage plans across Missouri for 2027, alphabetically by carrier, widest county reach first. 11 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Humana 36 plans | |||
| Humana USAA Honor Giveback (Regional PPO) | PPO | No | 115 |
| HumanaChoice R1532-002 (Regional PPO) | PPO | Yes | 115 |
| Humana USAA Honor Giveback (PPO) | PPO | No | 112 |
| Humana USAA Honor Giveback (PPO) | PPO | No | 106 |
| HumanaChoice SNP-DE H5216-164 (PPO D-SNP) | PPO D-SNP | Yes | 74 |
| HumanaChoice SNP-DE H7617-006 (PPO D-SNP) | PPO D-SNP | Yes | 72 |
| Humana Value Choice (PPO) | PPO | Yes | 63 |
| HumanaChoice H5216-032 (PPO) | PPO | Yes | 62 |
| Humana Value Choice (PPO) | PPO | Yes | 61 |
| Humana Gold Choice H8145-006 (PFFS) | PFFS | Yes | 57 |
| Humana Gold Plus SNP-DE H0028-015 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 37 |
| Humana Gold Plus SNP-DE H4461-044 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 37 |
| Humana Gold Choice H8145-126 (PFFS) | PFFS | No | 35 |
| HumanaChoice H7617-007 (PPO) | PPO | Yes | 34 |
| HumanaChoice Giveback H5216-404 (PPO) | PPO | Yes | 27 |
| HumanaChoice Giveback H7617-014 (PPO) | PPO | Yes | 27 |
| Humana Gold Plus H0028-016 (HMO-POS) | HMO-POS | Yes | 22 |
| Humana Gold Plus H4623-001 (HMO-POS) | HMO-POS | Yes | 22 |
| Humana Essentials Plus Giveback (HMO) | HMO | Yes | 17 |
| Humana Essentials Plus Giveback (HMO) | HMO | Yes | 17 |
| Humana Full Access (PPO) | PPO | Yes | 17 |
| Humana Full Access (PPO) | PPO | Yes | 17 |
| Humana Total Complete (HMO) | HMO | Yes | 16 |
| Humana Total Complete (HMO) | HMO | Yes | 16 |
| Humana Community (HMO-POS) | HMO-POS | Yes | 14 |
| Humana Community (HMO-POS) | HMO-POS | Yes | 14 |
| Humana Essentials Plus Giveback (PPO) | PPO | Yes | 6 |
| Humana Essentials Plus Giveback (PPO) | PPO | Yes | 6 |
| Humana Total Complete (HMO-POS) | HMO-POS | Yes | 6 |
| Humana Total Complete Giveback (HMO-POS) | HMO-POS | Yes | 6 |
| Humana Total Complete Giveback (HMO-POS) | HMO-POS | Yes | 6 |
| Humana Value Choice (PPO) | PPO | Yes | 6 |
| Humana Value Choice (PPO) | PPO | Yes | 6 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | HMO C-SNP | Yes | 5 |
| Humana Gold Plus - Diabetes and Heart (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 5 |
| Humana Gold Plus H0028-017 (HMO) | HMO | Yes | 5 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How Humana Medicare Advantage plans across Missouri break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
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When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
How many Humana Medicare Advantage plans are listed in Missouri for 2027?
Does a statewide Humana plan listing mean the plan is available in my county?
When do I need to make a decision for 2027 coverage?
Where can I get free help comparing 2027 Humana plans in Missouri?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — MA Landscape Source File (CY2027): the Missouri plan counts, plan types, SNP counts, drug coverage counts and county reach figures for Humana.
- CMS — MA Landscape Source Files (CY2026 and CY2027): the year-over-year comparison showing 0 new and 0 non-returning Humana plans, plus renamed plans.
- Medicare.gov — Medicare enrollment periods: the Annual Enrollment Period dates of October 15 through December 7, 2026 and the January 1, 2027 effective date.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.