Medicare Advantage

St. Louis Dual Special Needs Plans for 2027: the 19 D-SNPs and who can enroll

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.

ST. LOUIS — Fall 2026. If you have both Medicare and Missouri Medicaid (MO HealthNet), the Dual Special Needs Plan (D-SNP) lineup in St. Louis city is set for 2027: 19 D-SNPs from seven carriers, with a handful of names changing and a few plans arriving new. The Annual Enrollment Period runs October 15 through December 7, 2026, and any choice made in that window starts January 1, 2027 — but dual-eligible residents also have extra chances to switch during the year that most people on Medicare do not.

What is a D-SNP, and who qualifies in St. Louis for 2027?

A Dual Special Needs Plan is a type of Medicare Advantage plan designed only for people who have both Medicare and Medicaid. In Missouri, Medicaid is called MO HealthNet, and the state agency is the one that decides and confirms your eligibility level.

Dual eligibility comes in two broad buckets:

• Full dual eligibility — you have Medicare and full MO HealthNet benefits. Medicaid typically covers things Medicare does not, such as long-term services and supports, and helps with Medicare cost-sharing.
• Partial dual eligibility — you have Medicare and qualify for a Medicare Savings Program (such as QMB, SLMB, or QI) that helps pay some Medicare costs, but you do not have full Medicaid benefits.

Different D-SNPs are built for different groups — some accept only full-benefit duals, others accept partial-benefit duals as well. The plan's enrollment materials will spell out which category it serves. If you are not sure which bucket you fall into, call MO HealthNet or check your Medicaid award letter before you shop.

How many D-SNPs are offered in St. Louis city for 2027, and by which carriers?

St. Louis city will have 19 D-SNPs for 2027, part of the broader Medicare Advantage lineup in the county. For context, the county will also have 7 Chronic Condition SNPs (C-SNPs) and 9 Institutional SNPs (I-SNPs), which serve different groups.

The seven carriers offering D-SNPs in the county for 2027, in alphabetical order:

• Aetna (CVS Health) — 3 D-SNPs
• Centene (WellCare) — 3 D-SNPs
• Devoted Health — 3 D-SNPs
• Elevance Health (Anthem) — 2 D-SNPs
• HealthSpring — 2 D-SNPs
• Humana — 2 D-SNPs
• UnitedHealthcare — 4 D-SNPs

The table below lists every D-SNP by carrier and plan type. A few notes on what is changing year over year: Aetna is adding Aetna Medicare Full Dual Extra (HMO D-SNP), UnitedHealthcare is adding UHC Dual Advantage MO-V1 (HMO-POS D-SNP) and UHC Dual Complete MO-S3 (HMO-POS D-SNP), and several Centene and UnitedHealthcare plans kept their contract but changed their names (for example, Wellcare's Dual Access plans are now branded Wellcare Home State Health Dual Access). If your plan was renamed, it will still renew automatically — read the Annual Notice of Change (ANOC) your plan sends in the fall for the specifics.

How often can a dual-eligible person change plans in 2027?

Most people on Medicare can only change their Medicare Advantage or Part D plan during the Annual Enrollment Period, October 15 – December 7, or the Medicare Advantage Open Enrollment Period, January 1 – March 31. Dual-eligible people — and people who get Extra Help with Part D — have more flexibility.

Under the current rules, if you have Medicaid or Extra Help, you generally get a monthly Special Enrollment Period to:

• Enroll in or switch to an integrated D-SNP that works closely with your Medicaid coverage, or
• Drop a Medicare Advantage plan and go back to Original Medicare with a stand-alone Part D plan.

CMS has adjusted how often and in what way dual-eligible members can switch over the past few years, so the exact monthly rules can shift. Before you make a change, call 1-800-MEDICARE (1-800-633-4227) to confirm which Special Enrollment Period applies to your situation right now.

Doing nothing is also an option: if your D-SNP is offered again in 2027, it renews automatically with whatever updates appear in your ANOC.

How do I confirm my Medicaid and D-SNP eligibility?

Start with the two agencies that actually hold your records:

• MO HealthNet (Missouri Medicaid) — confirms whether you have full or partial Medicaid, and at what level. You can check with the Family Support Division or the mo.gov MO HealthNet pages.
• Medicare — confirms your Medicare Part A and Part B enrollment, your current plan, and your Extra Help status. Use medicare.gov or call 1-800-MEDICARE.

When you are ready to compare D-SNPs, the Medicare Plan Finder at medicare.gov lets you enter your ZIP code and your Medicaid status to see only the plans you qualify for. The plan's own Evidence of Coverage, Summary of Benefits, and provider and drug directories are the places to confirm costs, networks, and covered medications — this article does not list those details for any specific plan.

What else is changing for Medicare in 2027?

A few program-level numbers are already confirmed by CMS and apply to everyone in Part D, including D-SNP members:

• The Part D out-of-pocket cap rises to $2,400 in 2027, up from $2,100 in 2026.
• The Part D maximum deductible is $700 in 2027, up from $615 in 2026.
• The Part D national base beneficiary premium for 2027 is $41.33 — this is a formula input, not what any particular plan charges.

Many dual-eligible members pay little or nothing toward Part D because of Extra Help, but the caps still matter if your situation changes. The 2027 Part B premium and deductible and the 2027 IRMAA income brackets have not been announced yet; CMS typically publishes those in the fall, usually in November.