Medicare Advantage

Medicare Advantage in St. Louis for 2027: which plans are leaving, new or renamed

St. Louis city has 80 Medicare Advantage plans for 2027. Compared with 2026, 10 plans are not coming back, 11 are new, and 41 continuing plans changed in some way you should check before December 7, 17 of them under a new name. This guide covers what those numbers mean for St. Louis, not which plan to pick.

Medicare AdvantageSt. Louis, MO

St. Louis, Mo. — If you have a Medicare Advantage plan in St. Louis city, the mail you get this fall is worth opening carefully. According to CMS Medicare Advantage Landscape files comparing 2026 and 2027, 10 plans offered in St. Louis city will not return next year, 11 new plans are coming in, and 17 plans are keeping the same basic footprint but showing up under a new name. Another 24 plans are continuing but changing in some way — premium, deductible, plan type or name — that your Annual Notice of Change (ANOC) will spell out.

Here is what those numbers mean if you live in the city, and what to do before the Annual Enrollment Period ends December 7.

What "leaving," "new" and "renamed" actually mean

A plan leaving means the carrier is no longer offering that exact plan in St. Louis city in 2027. If you are enrolled in one of these plans and do nothing, you will not be automatically kept in Original Medicare with a matching drug plan — you need to pick something. The good news: CMS gives you a Special Enrollment Period that runs through the end of February to choose another Medicare Advantage plan or return to Original Medicare and add a stand-alone Part D plan.

A new plan is one CMS lists as a brand-new offering in the city for 2027. It may be from a carrier already in the market or an expansion of their lineup.

A renamed plan is a continuing plan under a new label. The plan is still there — it just looks different on paper. This is the category that trips people up, because a familiar plan can seem to have "disappeared" when it has really just been retitled.

Plans not returning to St. Louis city in 2027

Per the CMS 2026-to-2027 landscape comparison, these 10 plans are leaving:

• HealthSpring True Choice Savings (PPO) — Blue Cross Blue Shield (HCSC)
• Wellcare Giveback (HMO-POS) — Centene (WellCare)
• Provider Partners Missouri Community Plan (HMO I-SNP) — Provider Partners Health Plans
• Provider Partners Missouri Essential Plan (HMO I-SNP) — Provider Partners Health Plans
• AARP Medicare Advantage from UHC ST-2 (PPO) — UnitedHealthcare
• UHC Complete Care AM-1 (Regional PPO C-SNP) — UnitedHealthcare
• UHC Complete Care Support AM-1A (Regional PPO C-SNP) — UnitedHealthcare
• UHC Dual Complete MO-S3 (HMO-POS D-SNP) — UnitedHealthcare
• UHC Dual Complete MO-V001 (HMO-POS D-SNP) — UnitedHealthcare
• UHC Medicare Advantage AM-0002 (Regional PPO) — UnitedHealthcare

You will note the two Provider Partners plans and one UHC Dual Complete plan share names with 2027 entries in the "new" list below. In CMS's file they are technically different contracts, so read the letter your carrier sends closely.

New plans in St. Louis city for 2027

These 11 plans are listed as new for 2027:

• Aetna Medicare Elite (PPO) — Aetna (CVS Health)
• Aetna Medicare Enhanced (PPO) — Aetna (CVS Health)
• Aetna Medicare Full Dual Extra (HMO D-SNP) — Aetna (CVS Health)
• Aetna Medicare Longevity (HMO I-SNP) — Aetna (CVS Health)
• HealthSpring True Choice (PPO) — Blue Cross Blue Shield (HCSC)
• DEVOTED C-SNP GIVEBACK EXTRAS 029 MO (HMO C-SNP) — Devoted Health
• DEVOTED GIVEBACK EXTRAS 028 MO (HMO) — Devoted Health
• Provider Partners Missouri Community Plan (HMO I-SNP) — Provider Partners Health Plans
• Provider Partners Missouri Essential Plan (HMO I-SNP) — Provider Partners Health Plans
• UHC Dual Advantage MO-V1 (HMO-POS D-SNP) — UnitedHealthcare
• UHC Dual Complete MO-S3 (HMO-POS D-SNP) — UnitedHealthcare

New does not mean better or worse — it means it is available for the first time for 2027, so you would use the Medicare Plan Finder at medicare.gov to compare the specifics against your current coverage.

Renamed plans — same plan, new label

Seventeen plans in St. Louis city are being renamed. If your plan is on this list, you will still have coverage on January 1, but the name on your new ID card and your ANOC will look different:

• Aetna Medicare Elite Classic (PPO) — was Aetna Medicare Elite (PPO)
• Aetna Medicare Elite Classic Extra (PPO) — was Aetna Medicare Signature (PPO)
• Aetna Medicare Enhanced Classic (PPO) — was Aetna Medicare Enhanced (PPO)
• Wellcare Home State Health Dual Access (HMO-POS D-SNP) — was Wellcare Dual Access (HMO-POS D-SNP)
• Wellcare Home State Health Dual Access Open (PPO D-SNP) — was Wellcare Dual Access Open (PPO D-SNP)
• Wellcare Home State Health Dual Reserve (HMO-POS D-SNP) — was Wellcare Dual Reserve (HMO-POS D-SNP)
• DEVOTED C-SNP ENHANCED 015 MO (HMO C-SNP) — was DEVOTED C-SNP PREMIUM 015 MO (HMO C-SNP)
• Humana Essentials Plus Giveback (HMO) — was Humana Gold Plus Giveback H0028-065 (HMO)
• Humana Essentials Plus Giveback (HMO) — was Humana Essentials Plus Giveback H4461-045 (HMO)
• Humana Full Access (PPO) — was Humana Full Access H5216-407 (PPO)
• Humana Full Access (PPO) — was Humana Full Access H7617-008 (PPO)
• Humana Total Complete (HMO) — was Humana Gold Plus H0028-014 (HMO)
• Humana Total Complete (HMO) — was Humana Total Complete H4461-046 (HMO)
• Humana Value Choice (PPO) — was Humana Value Choice H5216-318 (PPO)
• Humana Value Choice (PPO) — was Humana Value Choice H7617-023 (PPO)
• UHC Dual Complete MO-Q1 (HMO-POS D-SNP) — was UHC Dual Complete MO-S001 (HMO-POS D-SNP)
• UHC Dual Complete MO-Q2 (PPO D-SNP) — was UHC Dual Complete MO-S002 (PPO D-SNP)

A rename by itself is not a signal to switch. But because 24 continuing plans in the city are also changing on premium, deductible, plan type or name, treat every renamed plan the same way you would treat a brand-new one: look it over.

What a member should actually do

St. Louis is in St. Louis city, where CMS lists 79 Medicare Advantage plans from 11 carriers for 2026. The full roster on this page (in the table below) shows every plan sold in the city, so you can find yours and see which of the four categories — leaving, new, renamed, or continuing — it falls into.

A short plan:

1. Open your ANOC. Your carrier is required to send one by the end of September. It compares your 2026 plan to what it will look like in 2027. If your plan is only being renamed, the ANOC will still list the changes to premium, deductible, dr