Medicare Supplement Insurance (Medigap) helps Missouri seniors and eligible disabled residents cover healthcare costs not fully paid by Original Medicare, including deductibles, copayments, and coinsurance. Missouri residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to people who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Missouri
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | G | 142,225 |
| 2 | F | 140,823 |
| 3 | N | 20,083 |
Did you know? Missouri offers a unique “Anniversary Rule” that allows Medigap policyholders to switch to the same plan with a different insurer each year around their policy anniversary — without medical underwriting. This consumer protection makes Missouri one of the most flexible Medigap markets in the country.
How Medigap Pricing Works in Missouri
Insurers use different rating methods to calculate premiums, which affects how costs rise over time. In Missouri, policies may be priced using one of three methods:
- Attained-age rated – Premiums rise as you age.
- Issue-age rated – Premiums are based on your age at the time of purchase and may increase with inflation, not age.
- Community rated – All policyholders pay the same premium regardless of age.
Under-65 Eligibility in Missouri
Missouri requires insurers to make all Medigap plans available to Medicare beneficiaries under 65. Premiums for this group are capped at the weighted average rate charged to 65-year-old enrollees, giving younger beneficiaries more affordable access than in many other states.
Choosing a Medigap Plan in Missouri
Plan G has recently edged out Plan F as the most popular choice among Missouri beneficiaries, reflecting nationwide trends. Plan N also provides a lower-cost option for those willing to accept some cost-sharing. All Medigap policies are accepted nationwide at providers that take Medicare, giving Missouri residents reliable coverage whether they receive care in St. Louis, Kansas City, or across the U.S.</p