2027 Medicare plans in St. Louis County, MO
The Medicare Advantage and Part D drug plans sold in St. Louis County, Missouri for 2027 in CMS's plan data, with each plan's premium, out-of-pocket maximum and star rating. Open enrollment for 2027 runs October 15 to December 7, 2026.
At a glance
- 90 plans from 13 insurance companies
- Medicare Advantage plans with drug coverage: 38, premiums $0 to $264 a month; 26 have a $0 premium
- Part D drug plans: 9, premiums $5.30 to $205.20 a month
- Plans with a CMS star rating of 4 or more: 47
Compare these plans for your prescriptions
Enter your ZIP code and add your prescriptions to see each plan's estimated yearly cost, including your drugs, next to Cost Plus Drugs prices.
Compare plans with my prescriptionsMedicare Advantage plans with drug coverage (38)
| Plan | Premium per month | Out-of-pocket max | Stars |
|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS)UnitedHealthcare · HMO-POS · drug deductible $685 | $0 | $7,150 | ★ 3.5 |
| AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS)UnitedHealthcare · HMO-POS · drug deductible $685 | $0 | $4,450 | ★ 3.5 |
| AARP Medicare Advantage from UHC ST-1P (HMO-POS)UnitedHealthcare · HMO-POS · drug deductible $685 | $0 | $4,100 | ★ 3.5 |
| Aetna Medicare Elite (PPO)Aetna Medicare · PPO · drug deductible $700 | $0 | $4,900 | ★ 4.0 |
| Aetna Medicare Elite Classic (PPO)Aetna Medicare · PPO · drug deductible $700 | $0 | $5,900 | ★ 4.0 |
| Aetna Medicare Elite Classic Extra (PPO)Aetna Medicare · PPO · drug deductible $700 | $0 | $4,900 | ★ 4.0 |
| Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS · drug deductible $500 | $0 | $3,400 | ★ 3.5 |
| Aetna Medicare Value Plus (HMO-POS)Aetna Medicare · HMO-POS · drug deductible $400 | $0 | $5,500 | ★ 3.5 |
| Anthem Medicare Advantage (HMO-POS)Anthem HealthKeepers · HMO-POS · drug deductible $210 | $0 | $4,450 | ★ 3.0 |
| DEVOTED CORE 001 MO (HMO)Devoted Health · HMO · drug deductible $650 | $0 | $3,100 | ★ 4.0 |
| DEVOTED GIVEBACK 002 MO (HMO)Devoted Health · HMO · drug deductible $461 | $0 | $7,150 | ★ 4.0 |
| DEVOTED GIVEBACK EXTRAS 028 MO (HMO)Devoted Health · HMO · drug deductible $700 | $0 | $5,100 | ★ 4.0 |
| Essence Advantage (HMO)Essence Healthcare · HMO · drug deductible $0 | $0 | $3,400 | ★ 4.0 |
| Essence Advantage Select (HMO)Essence Healthcare · HMO · drug deductible $450 | $0 | $4,450 | ★ 4.0 |
| HealthSpring Preferred (HMO)HealthSpring · HMO · drug deductible $500 | $0 | $4,200 | ★ 3.0 |
| HealthSpring Preferred Savings (HMO)HealthSpring · HMO · drug deductible $700 | $0 | $7,150 | ★ 3.0 |
| Humana Essentials Plus Giveback (HMO)Humana · HMO · drug deductible $700 | $0 | $4,200 | ★ 4.5 |
| Humana Essentials Plus Giveback (HMO)Humana · HMO · drug deductible $700 | $0 | $4,200 | ★ 4.5 |
| Humana Full Access (PPO)Humana · PPO · drug deductible $500 | $0 | $6,350 | ★ 4.0 |
| Humana Full Access (PPO)Humana · PPO · drug deductible $500 | $0 | $6,600 | ★ 4.5 |
| Humana Total Complete (HMO)Humana · HMO · drug deductible $700 | $0 | $2,850 | ★ 4.5 |
| Humana Total Complete (HMO)Humana · HMO · drug deductible $700 | $0 | $2,850 | ★ 4.5 |
| Humana Value Choice (PPO)Humana · PPO · drug deductible $700 | $0 | $4,450 | ★ 4.0 |
| Humana Value Choice (PPO)Humana · PPO · drug deductible $700 | $0 | $4,400 | ★ 4.5 |
| Wellcare Simple (HMO-POS)Wellcare · HMO-POS · drug deductible $700 | $0 | $7,100 | ★ 3.0 |
| Wellcare Simple Open (PPO)Wellcare · PPO · drug deductible $700 | $0 | $7,100 | ★ 3.0 |
| HealthSpring True Choice (PPO)HealthSpring · PPO · drug deductible $700 | $6 | $7,150 | ★ 3.0 |
| AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS)UnitedHealthcare · HMO-POS · drug deductible $685 | $19 | $4,450 | ★ 3.5 |
| Essence Advantage Choice (PPO)Essence Healthcare · PPO · drug deductible $700 | $40 | $9,850 | ★ 4.0 |
| AARP Medicare Advantage from UHC ST-0001 (PPO)UnitedHealthcare · PPO · drug deductible $685 | $58 | $7,150 | ★ 4.0 |
| Aetna Medicare Enhanced Extra (HMO-POS)Aetna Medicare · HMO-POS · drug deductible $700 | $59 | $5,900 | ★ 3.5 |
| Essence Advantage Plus (HMO)Essence Healthcare · HMO · drug deductible $450 | $59 | $2,900 | ★ 4.0 |
| Humana Gold Choice H8145-006 (PFFS)Humana · PFFS · drug deductible $700 | $60 | $7,800 | ★ 4.0 |
| Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO · drug deductible $700 | $70 | $7,500 | ★ 4.0 |
| Aetna Medicare Enhanced Classic (PPO)Aetna Medicare · PPO · drug deductible $700 | $70 | $7,500 | ★ 4.0 |
| HumanaChoice H5216-032 (PPO)Humana · PPO · drug deductible $700 | $76 | $9,250 | ★ 4.0 |
| HumanaChoice R1532-002 (Regional PPO)Humana · PPO · drug deductible $700 | $119 | $7,700 | ★ 3.5 |
| Essence Advantage Premier Plus (PPO)Essence Healthcare · PPO · drug deductible $700 | $264 | $2,900 | ★ 4.0 |
Medicare Advantage plans without drug coverage (8)
| Plan | Premium per month | Out-of-pocket max | Stars |
|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS)UnitedHealthcare · HMO-POS | $0 | $5,900 | ★ 3.5 |
| Aetna Medicare Eagle (HMO-POS)Aetna Medicare · HMO-POS | $0 | $4,900 | ★ 3.5 |
| Anthem Veteran (PPO)Anthem Blue Cross and Blue Shield · PPO | $0 | $6,751 | ★ 3.0 |
| Humana Gold Choice H8145-126 (PFFS)Humana · PFFS | $0 | $9,850 | ★ 4.0 |
| Humana USAA Honor Giveback (PPO)Humana · PPO | $0 | $4,700 | ★ 4.0 |
| Humana USAA Honor Giveback (PPO)Humana · PPO | $0 | $4,700 | ★ 4.5 |
| Humana USAA Honor Giveback (Regional PPO)Humana · PPO | $0 | $5,500 | ★ 3.5 |
| Wellcare Patriot Giveback Open (PPO)Wellcare · PPO | $0 | $4,000 | ★ 3.0 |
Special Needs Plans (only for people who qualify) (35)
| Plan | Premium per month | Out-of-pocket max | Stars |
|---|---|---|---|
| Aetna Medicare Chronic Care (HMO C-SNP)Aetna Medicare · HMO · drug deductible $700 | $0 | $7,150 | ★ 3.5 |
| Aetna Medicare Dual (HMO D-SNP)Aetna Medicare · HMO · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| Aetna Medicare Full Dual (HMO D-SNP)Aetna Medicare · HMO · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| Aetna Medicare Longevity (HMO I-SNP)Aetna Medicare · HMO · drug deductible $700 | $0 | $9,850 | ★ 3.5 |
| Anthem Chronic Care (HMO-POS C-SNP)Anthem HealthKeepers · HMO-POS · drug deductible $0 | $0 | $3,500 | ★ 3.0 |
| Anthem Full Dual Advantage (HMO D-SNP)Anthem HealthKeepers · HMO · drug deductible $290 | $0 | $9,850 | ★ 3.0 |
| Anthem Full Dual Advantage 2 (HMO D-SNP)Anthem HealthKeepers · HMO · drug deductible $170 | $0 | $9,850 | ★ 3.0 |
| DEVOTED C-SNP ENHANCED 015 MO (HMO C-SNP)Devoted Health · HMO · drug deductible $461 | $0 | $3,900 | ★ 4.0 |
| DEVOTED C-SNP GIVEBACK EXTRAS 029 MO (HMO C-SNP)Devoted Health · HMO · drug deductible $700 | $0 | $5,100 | ★ 4.0 |
| DEVOTED C-SNP PLUS 016 MO (HMO C-SNP)Devoted Health · HMO · drug deductible $461 | $0 | $9,850 | ★ 4.0 |
| DEVOTED DUAL 008 MO (HMO D-SNP)Devoted Health · HMO · drug deductible $700 | $0 | $3,600 | ★ 4.0 |
| DEVOTED DUAL FULL 011 MO (HMO D-SNP)Devoted Health · HMO · drug deductible $700 | $0 | $9,850 | ★ 4.0 |
| DEVOTED DUAL PLUS 007 MO (HMO D-SNP)Devoted Health · HMO · drug deductible $700 | $0 | $9,850 | ★ 4.0 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP)Humana · HMO · drug deductible $500 | $0 | $2,700 | ★ 4.5 |
| Humana Gold Plus SNP-DE H0028-015 (HMO-POS D-SNP)Humana · HMO-POS · drug deductible $700 | $0 | $9,250 | ★ 4.5 |
| Humana Gold Plus SNP-DE H4461-044 (HMO-POS D-SNP)Humana · HMO-POS · drug deductible $100 | $0 | $9,250 | ★ 4.5 |
| Provider Partners Missouri Community Plan (HMO I-SNP)Provider Partners Health Plans · HMO · drug deductible $700 | $0 | $3,750 | ★ 4.0 |
| Senior Care (HMO I-SNP)NHC Advantage · HMO · drug deductible $500 | $0 | $5,000 | ★ 4.5 |
| UHC Complete Care MO-1 (PPO C-SNP)UnitedHealthcare · PPO · drug deductible $595 | $0 | $4,900 | ★ 4.5 |
| UHC Dual Advantage MO-V1 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS · drug deductible $700 | $0 | $4,450 | ★ 3.5 |
| Wellcare Home State Health Dual Access (HMO-POS D-SNP)Wellcare · HMO-POS · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| Wellcare Home State Health Dual Access Open (PPO D-SNP)Wellcare · PPO · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| UHC Nursing Home Plan MO-F001 (PPO I-SNP)UnitedHealthcare · PPO · drug deductible $700 | $0.60 | $9,850 | ★ 5.0 |
| Aetna Medicare Full Dual Extra (HMO D-SNP)Aetna Medicare · HMO · drug deductible $700 | $1.80 | $9,850 | ★ 3.5 |
| UHC Dual Complete MO-Q1 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS · drug deductible $700 | $2.60 | $9,850 | ★ 3.5 |
| UHC Dual Complete MO-S3 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS · drug deductible $700 | $8.90 | $9,850 | ★ 3.5 |
| NHC Advantage (HMO I-SNP)NHC Advantage · HMO · drug deductible $700 | $12.20 | $9,850 | ★ 4.5 |
| Provider Partners Missouri Essential Plan (HMO I-SNP)Provider Partners Health Plans · HMO · drug deductible $700 | $14.50 | $9,850 | ★ 4.0 |
| American Health Advantage of Missouri (HMO I-SNP)American Health Advantage of Missouri · HMO · drug deductible $700 | $18.40 | $9,850 | Not rated |
| American Health Advantage of Missouri Choice (HMO I-SNP)American Health Advantage of Missouri · HMO · drug deductible $700 | $18.40 | $9,850 | Not rated |
| HealthSpring TotalCare (HMO D-SNP)HealthSpring · HMO · drug deductible $700 | $18.40 | $9,850 | ★ 3.0 |
| HealthSpring TotalCare Plus (HMO D-SNP)HealthSpring · HMO · drug deductible $700 | $18.40 | $9,850 | ★ 3.0 |
| Provider Partners Missouri Advantage Plan (HMO I-SNP)Provider Partners Health Plans · HMO · drug deductible $700 | $18.40 | $9,850 | ★ 4.0 |
| UHC Dual Complete MO-Q2 (PPO D-SNP)UnitedHealthcare · PPO · drug deductible $700 | $18.40 | $9,850 | ★ 4.5 |
| Wellcare Home State Health Dual Reserve (HMO-POS D-SNP)Wellcare · HMO-POS · drug deductible $700 | $18.40 | $3,600 | ★ 3.0 |
Part D drug plans (to add to Original Medicare) (9)
| Plan | Premium per month | Drug deductible | Stars |
|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · PDP | $5.30 | $700 | ★ 3.0 |
| Wellcare Classic (PDP)Wellcare · PDP | $7.30 | $700 | ★ 3.0 |
| Humana Basic Rx Plan (PDP)Humana · PDP | $13.30 | $700 | ★ 4.5 |
| Humana Value Rx Plan (PDP)Humana · PDP | $49.30 | $687 | ★ 4.5 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · PDP | $85.10 | $700 | ★ 2.5 |
| SilverScript Choice (PDP)Aetna Medicare · PDP | $119.20 | $700 | ★ 2.5 |
| Humana Premier Rx Plan (PDP)Humana · PDP | $146.30 | $350 | ★ 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · PDP | $167.40 | $700 | ★ 3.0 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · PDP | $205.20 | $300 | ★ 3.0 |
Sorted by monthly premium. The lowest premium isn't always the lowest total cost: drug costs, copays and the out-of-pocket maximum matter too.
Plan costs and benefits are from CMS's 2027 Medicare plan data (data as of October 27, 2026). Star ratings are CMS's 2027 Star Ratings. Every year, Medicare evaluates plans based on a 5-star rating system. Benefits, premiums and copays can change from year to year; check the plan's Evidence of Coverage, call the plan, or use Medicare.gov before you enroll.