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HomeMedicare SupplementMissouriMedigap in Missouri for 2027: 18 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Missouri for 2027: 18 Insurers and the Plans They Sell

JEFFERSON CITY, Mo. — As Missourians sort through their coverage ahead of Annual Enrollment 2027 (October 15 – December 7, 2026, with coverage starting January 1, 2027), one piece of the Medicare puzzle often gets less attention than Advantage and Part D: Medicare Supplement insurance, also called Medigap. A search on Medicare.gov's Medigap policy finder for a Missouri ZIP code (64101) returns 18 insurers selling standardized Medigap policies in the state, across plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, and N.

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Key takeaways

  • Medicare.gov's Medigap policy search for Missouri ZIP 64101 lists 18 insurers offering standardized plans across letters A, B, C, D, F, F-HD, G, G-HD, K, L, and N.
  • Your strongest shot at buying any Medigap policy sold in Missouri is the six-month Medigap Open Enrollment Period that starts when you are 65 or older and first enrolled in Part B.
  • CMS Landscape files show 21 Medicare Advantage plans offered in Missouri in 2026 are not returning anywhere in the state in 2027, which gives those members a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not include prescription drug coverage, so a stand-alone Part D plan is a separate decision for 2027.
Medicare SupplementMissouri
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·9 min read·✓ Reviewed
Key facts: Medicare in Missouri
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

Here is what Missouri readers should know about how Medigap works, who sells it in the state, and the enrollment windows that shape your rights to buy a policy.

What is Medigap and how is it different from Medicare Advantage in Missouri?

Medigap is private insurance that pays some of the out-of-pocket costs Original Medicare leaves behind, such as coinsurance and copayments. It works alongside Original Medicare, not instead of it. Medicare Advantage (Part C), by contrast, replaces how you receive Original Medicare and typically uses plan networks and rules.

You cannot have both a Medigap policy and a Medicare Advantage plan at the same time. Medigap policies are standardized by federal plan letter, so Plan G from one insurer covers the same federally defined benefits as Plan G from another, even if the price and customer service differ. Plans C and F are closed to people who first became eligible for Medicare on or after January 1, 2020.

Which insurers sell Medigap in Missouri and which plan letters do they offer?

Medicare.gov's Medigap policy search for ZIP 64101 lists these 18 insurers (what is actually sold can differ by ZIP code and by age, sex, and tobacco use):

Across the list, the plan letters sold by at least one insurer in the search are A, B, C, D, F, F-HD, G, G-HD, K, L, and N. Prices, underwriting rules, and availability vary by insurer; details come from the Medicare Plan Finder at medicare.gov, 1-800-MEDICARE, or the insurer's own documents.

When is the six-month Medigap Open Enrollment Period in Missouri and why does it matter?

Your Medigap Open Enrollment Period is a one-time, six-month window that begins the month you are 65 or older and enrolled in Medicare Part B. In that window, any Medigap policy sold in Missouri is available to you without medical underwriting — the insurer cannot deny you coverage or charge you more because of health history.

Outside that window, insurers in most situations are allowed to use medical underwriting, which means health questions can affect whether you are offered a policy and at what price. That is why Medicare.gov urges beneficiaries to understand this window before it closes.

What are guaranteed-issue rights in Missouri, including if my Medicare Advantage plan is leaving in 2027?

Guaranteed-issue rights are specific situations where insurers must sell you certain Medigap policies, cannot use medical underwriting, and cannot charge more because of health. One of those situations is when your Medicare Advantage plan stops offering coverage in your area.

CMS Landscape files show 21 Medicare Advantage plans offered in Missouri in 2026 are not returning anywhere in the state in 2027. Members of a plan that is not returning get a federal guaranteed-issue right to buy certain Medigap plans. If your Advantage plan sent a non-renewal notice, keep that letter — it is the proof insurers will ask for. Medicare.gov describes which Medigap letters qualify and the deadlines that apply.

Does Medigap cover prescription drugs in Missouri in 2027?

No. Medigap policies sold today do not include prescription drug coverage, so Missourians who want drug coverage pair Medigap with a stand-alone Medicare Part D plan.

For 2027, Part D has an out-of-pocket cap of $2,400 (up from $2,100 in 2026), and the most any Part D plan may charge as a deductible is $700. The Part D base beneficiary premium used in the federal late-enrollment penalty calculation is $41.33 for 2027; actual plan premiums are set plan by plan. You can compare the Part D plans available at your address on the Medicare Plan Finder during Annual Enrollment 2027 (October 15 – December 7, 2026).

How should Missourians compare Medigap policies for 2027?

Start with the plan letter, because benefits are federally standardized — Plan G is Plan G, Plan N is Plan N — then compare insurers on price, rate-increase history, and customer service. Confirm the insurer is listed for your ZIP code on Medicare.gov's Medigap policy search, since availability can vary within the state.

Ask each insurer how it sets rates (for example, by age at issue, attained age, or community rating), whether it offers any household or payment discounts, and what its underwriting questions are if you are outside your Medigap Open Enrollment Period or a guaranteed-issue window. Request the Outline of Coverage in writing before you sign.

Separately, the Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which may affect the monthly check that premiums are drawn from.

Where can Missourians get free help with Medigap questions in 2027?

Two no-cost federal resources answer Medigap and Medicare questions for Missouri residents. Medicare.gov hosts the Medigap policy search, the Medicare Plan Finder, and plain-language explanations of enrollment periods and guaranteed-issue rights. The 1-800-MEDICARE helpline (1-800-633-4227) is available 24 hours a day, seven days a week.

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.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

JFMAMJJASOND
October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Do I have to use a specific insurer's doctor network with Medigap in Missouri?
No. Medigap works with Original Medicare, so you can generally see any doctor or hospital in the United States that accepts Medicare. Networks are a feature of Medicare Advantage, not Medigap.
Can I switch from Medicare Advantage to Medigap for 2027?
You can request to switch, but outside a guaranteed-issue situation (such as your Advantage plan not returning in 2027) insurers in most cases may use medical underwriting on Medigap applications. Call 1-800-MEDICARE or check Medicare.gov to see which rights apply to your situation.
Are Plans C and F still available in Missouri?
They are listed by several insurers in the Medicare.gov search for ZIP 64101, but Plans C and F are closed to people who first became eligible for Medicare on or after January 1, 2020. People eligible before that date may still be able to buy them.
Does Medigap cover my Part D prescription drug costs in 2027?
No. Medigap sold today does not include drug coverage. Missourians who want prescription coverage enroll separately in a stand-alone Part D plan, which in 2027 has a $2,400 out-of-pocket cap and a maximum $700 deductible. Compare options on the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov Medigap policy search: the 18 insurers and plan letters listed for Missouri ZIP 64101.
  • CMS Landscape Source File: the 21 Medicare Advantage plans offered in Missouri in 2026 that are not returning anywhere in the state in 2027.
  • Medicare.gov: the Annual Enrollment 2027 dates, Medigap Open Enrollment Period rules, and guaranteed-issue rights.
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): standardization of plan letters and the closure of Plans C and F to those newly eligible on or after January 1, 2020.
  • CMS: 2027 Part D out-of-pocket cap ($2,400), maximum Part D deductible ($700), and base beneficiary premium ($41.33).
  • Social Security Administration: October 14, 2026 announcement of a 3.6 percent COLA for benefits payable beginning January 2027.

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.

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