Medicare Advantage

Aetna's 2027 Medicare Advantage lineup in St. Louis: four new plans, three renamed

St. Louis — October 2026. Aetna is bringing 14 Medicare Advantage plans to St. Louis city for 2027, including four new plans and three that are returning under new names, according to the CMS Medicare Advantage Landscape Source File for the coming plan year. If you already have an Aetna plan, nothing is forced on you — but the Annual Notice of Change in your mailbox is worth a careful read before the December 7 deadline.

MyMedicarePlans.org is an independent consumer site and is not Aetna or Medicare. Aetna is one of 11 carriers offering Medicare Advantage in St. Louis city for 2027; together those carriers offer 80 plans. This article focuses on Aetna's slate so you can see what's on the shelf, in plain English, and check it against your own doctors and prescriptions before you decide.

What Medicare Advantage plans does Aetna offer in St. Louis for 2027?

Aetna is offering 14 Medicare Advantage plans in St. Louis city for the 2027 plan year. By plan type, that breaks down into 5 HMOs, 4 HMO-POS plans, and 5 PPOs. Thirteen of the 14 include Part D prescription drug coverage; one does not.

The full list, in alphabetical order, appears in the table on this page. The plan names are: Aetna Medicare Chronic Care (HMO C-SNP), Aetna Medicare Dual (HMO D-SNP), Aetna Medicare Eagle (HMO-POS), Aetna Medicare Elite (PPO), Aetna Medicare Elite Classic (PPO), Aetna Medicare Elite Classic Extra (PPO), Aetna Medicare Enhanced (PPO), Aetna Medicare Enhanced Classic (PPO), Aetna Medicare Enhanced Extra (HMO-POS), Aetna Medicare Full Dual (HMO D-SNP), Aetna Medicare Full Dual Extra (HMO D-SNP), Aetna Medicare Longevity (HMO I-SNP), Aetna Medicare Signature (HMO-POS), and Aetna Medicare Value Plus (HMO-POS).

Medicare Advantage availability is set at the county level, and St. Louis is its own county (St. Louis city), so the counts above apply to the city/county footprint CMS uses.

Which Aetna plans in St. Louis are new or renamed for 2027?

For 2027, Aetna has four new plans in St. Louis city and three plans that are renamed versions of 2026 plans. No Aetna plans are leaving the St. Louis city market.

The four new plans are Aetna Medicare Elite (PPO), Aetna Medicare Enhanced (PPO), Aetna Medicare Full Dual Extra (HMO D-SNP), and Aetna Medicare Longevity (HMO I-SNP). The three renamed plans are:

• Aetna Medicare Elite Classic (PPO) — previously Aetna Medicare Elite (PPO).
• Aetna Medicare Elite Classic Extra (PPO) — previously Aetna Medicare Signature (PPO).
• Aetna Medicare Enhanced Classic (PPO) — previously Aetna Medicare Enhanced (PPO).

Because some of the new 2027 names reuse words from older plan names, matching a plan by name alone can get confusing. If a plan you had this year is appearing under a new name next year, the specifics — the network, drug list, copays, and extras — are in your Annual Notice of Change (ANOC). Read that document carefully. The changes may be small, or they may matter to you.

What are Aetna's Special Needs Plans in St. Louis for 2027?

Aetna is offering 5 Special Needs Plans (SNPs) in St. Louis city for 2027: 3 Dual-Eligible SNPs (D-SNPs), 1 Chronic Condition SNP (C-SNP), and 1 Institutional SNP (I-SNP). All five include drug coverage.

Special Needs Plans are limited to people who meet specific criteria:

• D-SNPs are for people who have both Medicare and Medicaid.
• C-SNPs are for people with certain qualifying chronic conditions.
• I-SNPs are for people who live in or need the level of care provided by a long-term care facility.

Aetna's SNPs on the 2027 list are Aetna Medicare Chronic Care (HMO C-SNP), Aetna Medicare Dual (HMO D-SNP), Aetna Medicare Full Dual (HMO D-SNP), Aetna Medicare Full Dual Extra (HMO D-SNP), and Aetna Medicare Longevity (HMO I-SNP). If you think you may qualify for one, call 1-800-MEDICARE or the plan to confirm eligibility before enrolling.

How do I check an Aetna plan against my doctors and prescriptions before December 7?

The fastest way is to use the Medicare Plan Finder at medicare.gov, where you can enter your ZIP code, your prescriptions, and your preferred pharmacies to see how each plan handles them. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), which is open 24 hours a day, 7 days a week.

A simple checklist before you enroll:

1. Your doctors. Confirm each one is in the plan's network for 2027. HMO and HMO-POS plans generally require in-network care except for emergencies; PPOs let you go out of network, usually at higher cost. 2. Your pharmacy. Preferred, standard, and out-of-network pharmacies can be priced very differently on the same plan. 3. Your prescriptions. Plan Finder shows which drugs are covered, what tier they sit on, and whether prior authorization or step therapy applies. 4. The plan's own documents. The Summary of Benefits and Evidence of Coverage from Aetna have the final word on what a plan covers in 2027.

If you keep your current plan and do nothing, it renews automatically on January 1, 2027 with whatever changes are described in your ANOC.

What's changing across Medicare in 2027 that affects these plans?

Two Part D figures are already confirmed for 2027. The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026), and the Part D maximum deductible rises to $700 in 2027 (up from $615 in 2026). The Part D national base beneficiary premium for 2027 is $41.33; that's a formula input CMS uses, not what any specific plan charges.

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not yet been announced. CMS typically publishes those figures later in the fall, usually in November.

The coverage gap (the old "donut hole") remains eliminated, as it has been since 2025, and the Medicare Prescription Payment Plan — the option to spread your out-of-pocket drug costs across the year in monthly bills — continues to be available on plans with Part D.

When is the deadline to change my Medicare plan for 2027?

The Annual Enrollment Period runs October 15 through December 7, 2026, and any change you make during that window takes effect January 1, 2027. If you do nothing, your current plan renews for 2027 as long as it is being offered again.

If you enroll in a Medicare Advantage plan and change your mind, the Medicare Advantage Open Enrollment Period from January 1 through March 31, 2027 lets you switch to a different Medicare Advantage plan or go back to Original Medicare one time.