Medicare Advantage
UnitedHealthcare Medicare Advantage in Missouri for 2027: 30 Plans, County by County
JEFFERSON CITY, Mo. — UnitedHealthcare will offer 30 Medicare Advantage plans across Missouri for 2027, according to the Centers for Medicare & Medicaid Services (CMS) Landscape Source Files for the coming plan year. The mix includes 21 HMO-POS plans and 9 PPO plans, 27 of which include drug coverage, and the slate contains plans built for people with specific needs. This explainer, published by an independent Medicare education site that is not UnitedHealthcare and not the government, walks through what the CMS files show, how to tell whether any one plan is sold in your county, and the dates to keep in mind.
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Key takeaways
- UnitedHealthcare's 2027 Missouri lineup lists 30 Medicare Advantage plans, with 27 that include drug coverage and 10 Special Needs Plans across D-SNP, C-SNP, and I-SNP categories.
- Six of the 30 plans are new for 2027, and eight plans from 2026 are not returning, so some current members will need to review their options.
- A plan listed statewide may not be offered in your county, because Medicare Advantage plans are approved county by county.
- The Annual Enrollment Period runs October 15 through December 7, 2026, and any choice you make during it takes effect January 1, 2027.
| 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.
How many UnitedHealthcare Medicare Advantage plans are offered in Missouri for 2027?
UnitedHealthcare is offering 30 Medicare Advantage plans in Missouri for 2027, per the CMS MA Landscape Source File for the coming plan year. Of those, 21 are HMO-POS plans and 9 are PPO plans. Twenty-seven of the 30 include Part D prescription drug coverage, while a smaller number — the "Patriot" plans listed in the full table on this page — are offered without drug coverage.
The 2027 lineup also includes Special Needs Plans: 8 Dual-Eligible Special Needs Plans (D-SNP) for people who have both Medicare and Medicaid, 1 Chronic Condition SNP (C-SNP), and 1 Institutional SNP (I-SNP) designed for people living in a long-term care setting. SNPs have eligibility rules of their own, and not everyone qualifies.
For context, CMS lists 174 Medicare Advantage plans in Missouri for 2027 from 12 carriers in total — UnitedHealthcare plus 11 others.
Which UnitedHealthcare plans in Missouri have the widest county reach for 2027?
By county footprint, the UnitedHealthcare plan reaching the most Missouri counties for 2027 is AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS), offered in 83 counties. Next are two D-SNPs that each span 115 counties — UHC Dual Complete MO-Q1 (HMO-POS D-SNP) and UHC Dual Complete MO-Q2 (PPO D-SNP) — along with the UHC Complete Care MO-1 (PPO C-SNP), also at 115 counties; those SNPs are limited to people who meet the eligibility rules.
Other plans with broad reach include AARP Medicare Advantage from UHC MO-0005 (HMO-POS) and AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS), each in 29 counties, and the Kansas City-area AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS), in 32 counties. The complete county counts for every plan are shown in the table on this page.
What is new or not returning in UnitedHealthcare's 2027 Missouri lineup?
Six UnitedHealthcare plans are new for 2027 in Missouri, and eight plans sold in 2026 will not return. The new entries include three UHC Dual Advantage MO-V1 (HMO-POS D-SNP) service-area variants and three UHC Dual Complete MO-S3 (HMO-POS D-SNP) variants, all with drug coverage, serving different groups of counties.
A few existing plans are being renamed rather than discontinued — for example, UHC Dual Complete MO-S001 becomes UHC Dual Complete MO-Q1, and two AARP Medicare Advantage PPO plans in the Kansas City area have been renamed. The table on this page flags each renamed plan next to its new name. If you are enrolled in a plan that is not returning for 2027, you should receive an Annual Notice of Change from UnitedHealthcare explaining what happens next.
How do I check whether a UnitedHealthcare plan is offered in my Missouri county and covers my doctors and prescriptions?
To confirm whether a specific UnitedHealthcare plan is offered in your Missouri county for 2027, use the Medicare Plan Finder at medicare.gov and enter your ZIP code, or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week. Medicare Advantage plans are approved county by county, so a plan on the statewide list — such as one of the 115-county SNPs or a 32-county Kansas City-area plan — may or may not be available where you live.
Once you confirm availability, check two things against the plan's own documents for 2027: the provider directory (to see whether your doctors, hospitals, and preferred pharmacies are in network) and the formulary (to see how your prescriptions are covered). Those details, along with the Summary of Benefits and the Evidence of Coverage, come from UnitedHealthcare directly or from Medicare Plan Finder.
What should Missouri Medicare beneficiaries do before December 7, 2026?
Before December 7, 2026, Missouri beneficiaries should review their current coverage against their 2027 options so any change takes effect January 1, 2027. The Annual Enrollment Period opens October 15, 2026, and closes December 7, 2026 — those are the dates CMS has set, with no need to rush.
A short checklist: read the Annual Notice of Change your current plan mails in the fall; list your doctors, hospitals, and prescriptions; use Medicare Plan Finder at medicare.gov to compare the plans offered in your county; and, if you qualify for a D-SNP, C-SNP, or I-SNP, confirm eligibility before enrolling. If you do nothing and your current plan is returning for 2027, in most cases you will stay in it; if your plan is one of the eight UnitedHealthcare plans not returning, action is needed to avoid a gap.
Where can Missourians get free help comparing Medicare Advantage plans for 2027?
Missourians can get free, unbiased help from Medicare itself. The Medicare Plan Finder at medicare.gov lets you enter your ZIP code, drug list, and preferred pharmacies to see every plan available in your county for 2027. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, to talk through options with a representative.
For plan-specific questions — a benefit, a copay, whether a particular provider is in network — the authoritative source is UnitedHealthcare's own Evidence of Coverage, Summary of Benefits, formulary, and provider directory for the specific plan and county.
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
UnitedHealthcare Medicare Advantage plans in Missouri for 2027
CMS lists 30 UnitedHealthcare 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 |
|---|---|---|---|
| UnitedHealthcare 30 plans | |||
| UHC Complete Care MO-1 (PPO C-SNP) | PPO C-SNP | Yes | 115 |
| UHC Dual Complete MO-Q1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 115 |
| UHC Dual Complete MO-Q2 (PPO D-SNP) | PPO D-SNP | Yes | 115 |
| AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) | HMO-POS | No | 83 |
| UHC Dual Advantage MO-V1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 76 |
| UHC Dual Complete MO-S3 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 76 |
| UHC Dual Advantage MO-V1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 34 |
| UHC Dual Complete MO-S3 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 34 |
| AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) | HMO-POS | Yes | 32 |
| AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) | HMO-POS | Yes | 32 |
| AARP Medicare Advantage from UHC KC-0003 (HMO-POS) | HMO-POS | Yes | 32 |
| AARP Medicare Advantage from UHC KC-4 (PPO) | PPO | Yes | 32 |
| AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) | PPO | No | 32 |
| AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) | HMO-POS | No | 32 |
| AARP Medicare Advantage Essentials from UHC MO-4 (HMO-POS) | HMO-POS | Yes | 29 |
| AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) | HMO-POS | Yes | 29 |
| AARP Medicare Advantage from UHC MO-0005 (HMO-POS) | HMO-POS | Yes | 29 |
| AARP Medicare Advantage from UHC MO-0009 (PPO) | PPO | Yes | 29 |
| AARP Medicare Advantage from UHC MO-0006 (HMO-POS) | HMO-POS | Yes | 27 |
| AARP Medicare Advantage from UHC MO-0007 (HMO-POS) | HMO-POS | Yes | 16 |
| AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS) | HMO-POS | Yes | 15 |
| AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) | HMO-POS | Yes | 15 |
| AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) | HMO-POS | Yes | 15 |
| AARP Medicare Advantage from UHC MO-0002 (PPO) | PPO | Yes | 15 |
| AARP Medicare Advantage from UHC ST-0001 (PPO) | PPO | Yes | 15 |
| AARP Medicare Advantage from UHC ST-1P (HMO-POS) | HMO-POS | Yes | 15 |
| UHC Nursing Home Plan MO-F001 (PPO I-SNP) | PPO I-SNP | Yes | 9 |
| AARP Medicare Advantage from UHC KC-5 (PPO) | PPO | Yes | 5 |
| UHC Dual Advantage MO-V1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 5 |
| UHC Dual Complete MO-S3 (HMO-POS D-SNP) | HMO-POS D-SNP | 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 UnitedHealthcare 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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Frequently asked questions
How many UnitedHealthcare Medicare Advantage plans are available in Missouri for 2027?
When can I change my Medicare Advantage plan for 2027?
What happens if my UnitedHealthcare plan is not returning for 2027?
Where can I compare the 2027 UnitedHealthcare plans offered in my county?
- 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): plan counts, plan types, SNP breakdown, drug coverage counts, and county-by-county availability for UnitedHealthcare in Missouri.
- CMS — MA Landscape Source Files (CY2026 and CY2027): year-over-year comparison showing new, renamed, and non-returning plans.
- Medicare.gov (CMS): the Annual Enrollment Period dates and the Medicare Plan Finder tool.
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.