2027 Medicare Advantage plans in St. Charles County
81 Medicare Advantage plans are available to residents of St. Charles County, MO for 2027. Availability is set county by county, so this list is specific to this county.
2027 drug-by-drug coverage is not published by CMS yet. The drug lookup covers 2026, whose formulary is live.
| Plan | Monthly premium (Part C + D) | Drug deductible | In-network MOOP | Drug tiers | Overall rating |
|---|---|---|---|---|---|
| Humana Total Complete (HMO)H0028-014 · HMO | $0.00 | $700.00 | $2,850.00 | 5 | 4.5 out of 5 stars for overall plan quality |
| Humana Gold Plus SNP-DE H0028-015 (HMO-POS D-SNP)H0028-015 · HMO-POS D-SNP · Dual-eligible SNP | $0.00 | $700.00 | $9,250.00 | 5 | 4.5 out of 5 stars for overall plan quality |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP)H0028-051 · HMO C-SNP · Chronic-condition SNP | $0.00 | $500.00 | $2,700.00 | 6 | 4.5 out of 5 stars for overall plan quality |
| Humana Essentials Plus Giveback (HMO)H0028-065 · HMO | $0.00 | $700.00 | $4,200.00 | 5 | 4.5 out of 5 stars for overall plan quality |
| UHC Dual Advantage MO-V1 (HMO-POS D-SNP)H0169-015 · HMO-POS D-SNP · Dual-eligible SNP | $0.00 | $700.00 | $4,450.00 | 5 | 3.5 out of 5 stars for overall plan quality |
| HealthSpring Preferred (HMO)H0439-020 · HMO | $0.00 | $500.00 | $4,200.00 | 5 | 3 out of 5 stars for overall plan quality |
| HealthSpring Preferred Savings (HMO)H0439-021 · HMO | $0.00 | $700.00 | $7,150.00 | 5 | 3 out of 5 stars for overall plan quality |
| Aetna Medicare Elite Classic (PPO)H1608-050 · PPO | $0.00 | $700.00 | $5,900.00 | 5 | 4 out of 5 stars for overall plan quality |
| Aetna Medicare Elite Classic Extra (PPO)H1608-067 · PPO | $0.00 | $700.00 | $4,900.00 | 5 | 4 out of 5 stars for overall plan quality |
| Wellcare Simple (HMO-POS)H1664-001 · HMO-POS | $0.00 | $700.00 | $7,100.00 | 6 | 3 out of 5 stars for overall plan quality |
| Wellcare Home State Health Dual Access (HMO-POS D-SNP)H1664-005 · HMO-POS D-SNP · Dual-eligible SNP | $0.00 | $700.00 | $9,850.00 | 6 | 3 out of 5 stars for overall plan quality |
| UHC Complete Care MO-1 (PPO C-SNP)H2001-055 · PPO C-SNP · Chronic-condition SNP | $0.00 | $595.00 | $4,900.00 | 5 | 4.5 out of 5 stars for overall plan quality |
| DEVOTED CORE 001 MO (HMO)H2041-001 · HMO | $0.00 | $650.00 | $3,100.00 | 5 | 4 out of 5 stars for overall plan quality |
| DEVOTED GIVEBACK 002 MO (HMO)H2041-002 · HMO | $0.00 | $461.00 | $7,150.00 | 5 | 4 out of 5 stars for overall plan quality |
| DEVOTED DUAL PLUS 007 MO (HMO D-SNP)H2041-007 · HMO D-SNP · Dual-eligible SNP | $0.00 | $700.00 | $9,850.00 | 5 | 4 out of 5 stars for overall plan quality |
| DEVOTED DUAL 008 MO (HMO D-SNP)H2041-008 · HMO D-SNP · Dual-eligible SNP | $0.00 | $700.00 | $3,600.00 | 5 | 4 out of 5 stars for overall plan quality |
| DEVOTED DUAL FULL 011 MO (HMO D-SNP)H2041-011 · HMO D-SNP · Dual-eligible SNP | $0.00 | $700.00 | $9,850.00 | 5 | 4 out of 5 stars for overall plan quality |
| DEVOTED C-SNP ENHANCED 015 MO (HMO C-SNP)H2041-015 · HMO C-SNP · Chronic-condition SNP | $0.00 | $461.00 | $3,900.00 | 5 | 4 out of 5 stars for overall plan quality |
| DEVOTED C-SNP PLUS 016 MO (HMO C-SNP)H2041-016 · HMO C-SNP · Chronic-condition SNP | $0.00 | $461.00 | $9,850.00 | 5 | 4 out of 5 stars for overall plan quality |
| DEVOTED GIVEBACK EXTRAS 028 MO (HMO)H2041-028 · HMO | $0.00 | $700.00 | $5,100.00 | 5 | 4 out of 5 stars for overall plan quality |
| DEVOTED C-SNP GIVEBACK EXTRAS 029 MO (HMO C-SNP)H2041-029 · HMO C-SNP · Chronic-condition SNP | $0.00 | $700.00 | $5,100.00 | 5 | 4 out of 5 stars for overall plan quality |
| Essence Advantage (HMO)H2610-005 · HMO | $0.00 | $0.00 | $3,400.00 | 5 | 4 out of 5 stars for overall plan quality |
| Essence Advantage Select (HMO)H2610-016 · HMO | $0.00 | $450.00 | $4,450.00 | 5 | 4 out of 5 stars for overall plan quality |
| Aetna Medicare Signature (HMO-POS)H2663-005 · HMO-POS | $0.00 | $500.00 | $3,400.00 | 5 | 3.5 out of 5 stars for overall plan quality |
| Aetna Medicare Value Plus (HMO-POS)H2663-057 · HMO-POS | $0.00 | $400.00 | $5,500.00 | 5 | 3.5 out of 5 stars for overall plan quality |
| Aetna Medicare Eagle (HMO-POS)H2663-069 · HMO-POS | $0.00 | no drug coverage | $4,900.00 | — | 3.5 out of 5 stars for overall plan quality |
| Aetna Medicare Chronic Care (HMO C-SNP)H2663-102 · HMO C-SNP · Chronic-condition SNP | $0.00 | $700.00 | $7,150.00 | 5 | 3.5 out of 5 stars for overall plan quality |
| Aetna Medicare Longevity (HMO I-SNP)H2663-113 · HMO I-SNP · Institutional SNP | $0.00 | $700.00 | $9,850.00 | 5 | 3.5 out of 5 stars for overall plan quality |
| AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS)H2802-028 · HMO-POS | $0.00 | $685.00 | $4,450.00 | 5 | 3.5 out of 5 stars for overall plan quality |
| AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS)H2802-050 · HMO-POS | $0.00 | no drug coverage | $5,900.00 | — | 3.5 out of 5 stars for overall plan quality |
| AARP Medicare Advantage from UHC ST-1P (HMO-POS)H2802-071 · HMO-POS | $0.00 | $685.00 | $4,100.00 | 5 | 3.5 out of 5 stars for overall plan quality |
| AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS)H2802-073 · HMO-POS | $0.00 | $685.00 | $7,150.00 | 5 | 3.5 out of 5 stars for overall plan quality |
| Anthem Full Dual Advantage (HMO D-SNP)H3447-018 · HMO D-SNP · Dual-eligible SNP | $0.00 | $290.00 | $9,850.00 | 5 | 3 out of 5 stars for overall plan quality |
| Anthem Medicare Advantage (HMO-POS)H3447-038 · HMO-POS | $0.00 | $210.00 | $4,450.00 | 5 | 3 out of 5 stars for overall plan quality |
| Anthem Full Dual Advantage 2 (HMO D-SNP)H3447-053 · HMO D-SNP · Dual-eligible SNP | $0.00 | $170.00 | $9,850.00 | 5 | 3 out of 5 stars for overall plan quality |
| Anthem Chronic Care (HMO-POS C-SNP)H3447-056 · HMO-POS C-SNP · Chronic-condition SNP | $0.00 | $0.00 | $3,500.00 | 5 | 3 out of 5 stars for overall plan quality |
| Senior Care (HMO I-SNP)H4172-003 · HMO I-SNP · Institutional SNP | $0.00 | $500.00 | $5,000.00 | 5 | 4.5 out of 5 stars for overall plan quality |
| Humana Gold Plus SNP-DE H4461-044 (HMO-POS D-SNP)H4461-044 · HMO-POS D-SNP · Dual-eligible SNP | $0.00 | $100.00 | $9,250.00 | 5 | 4.5 out of 5 stars for overall plan quality |
| Humana Essentials Plus Giveback (HMO)H4461-045 · HMO | $0.00 | $700.00 | $4,200.00 | 5 | 4.5 out of 5 stars for overall plan quality |
| Humana Total Complete (HMO)H4461-046 · HMO | $0.00 | $700.00 | $2,850.00 | 5 | 4.5 out of 5 stars for overall plan quality |
| Anthem Veteran (PPO)H4909-021 · PPO | $0.00 | no drug coverage | $6,751.00 | — | 3 out of 5 stars for overall plan quality |
| Humana USAA Honor Giveback (PPO)H5216-278 · PPO | $0.00 | no drug coverage | $4,700.00 | — | 4 out of 5 stars for overall plan quality |
| Humana Value Choice (PPO)H5216-318 · PPO | $0.00 | $700.00 | $4,450.00 | 5 | 4 out of 5 stars for overall plan quality |
| Humana Full Access (PPO)H5216-407 · PPO | $0.00 | $500.00 | $6,350.00 | 5 | 4 out of 5 stars for overall plan quality |
| Aetna Medicare Dual (HMO D-SNP)H5325-005 · HMO D-SNP · Dual-eligible SNP | $0.00 | $700.00 | $9,850.00 | 5 | 3 out of 5 stars for overall plan quality |
| Aetna Medicare Full Dual (HMO D-SNP)H5325-014 · HMO D-SNP · Dual-eligible SNP | $0.00 | $700.00 | $9,850.00 | 5 | 3 out of 5 stars for overall plan quality |
| Aetna Medicare Elite (PPO)H5521-750 · PPO | $0.00 | $700.00 | $4,900.00 | 5 | 4 out of 5 stars for overall plan quality |
| Wellcare Simple Open (PPO)H7518-001 · PPO | $0.00 | $700.00 | $7,100.00 | 6 | 3 out of 5 stars for overall plan quality |
| Wellcare Patriot Giveback Open (PPO)H7518-002 · PPO | $0.00 | no drug coverage | $4,000.00 | — | 3 out of 5 stars for overall plan quality |
| Wellcare Home State Health Dual Access Open (PPO D-SNP)H7518-003 · PPO D-SNP · Dual-eligible SNP | $0.00 | $700.00 | $9,850.00 | 6 | 3 out of 5 stars for overall plan quality |
| Humana Full Access (PPO)H7617-008 · PPO | $0.00 | $500.00 | $6,600.00 | 5 | 4.5 out of 5 stars for overall plan quality |
| Humana USAA Honor Giveback (PPO)H7617-012 · PPO | $0.00 | no drug coverage | $4,700.00 | — | 4.5 out of 5 stars for overall plan quality |
| Humana Value Choice (PPO)H7617-023 · PPO | $0.00 | $700.00 | $4,400.00 | 5 | 4.5 out of 5 stars for overall plan quality |
| Humana Gold Choice H8145-126 (PFFS)H8145-126 · PFFS | $0.00 | no drug coverage | $9,850.00 | — | 4 out of 5 stars for overall plan quality |
| Provider Partners Missouri Community Plan (HMO I-SNP)H9191-006 · HMO I-SNP · Institutional SNP | $0.00 | $700.00 | $3,750.00 | — | 4 out of 5 stars for overall plan quality |
| Humana USAA Honor Giveback (Regional PPO)R1532-001 · Regional PPO | $0.00 | no drug coverage | $5,500.00 | — | 3.5 out of 5 stars for overall plan quality |
| UHC Nursing Home Plan MO-F001 (PPO I-SNP)H0710-016 · PPO I-SNP · Institutional SNP | $0.60 | $700.00 | $9,850.00 | 5 | 5 out of 5 stars for overall plan quality |
| Aetna Medicare Full Dual Extra (HMO D-SNP)H2663-112 · HMO D-SNP · Dual-eligible SNP | $1.80 | $700.00 | $9,850.00 | 5 | 3.5 out of 5 stars for overall plan quality |
| UHC Dual Complete MO-Q1 (HMO-POS D-SNP)H0169-002 · HMO-POS D-SNP · Dual-eligible SNP | $2.60 | $700.00 | $9,850.00 | 5 | 3.5 out of 5 stars for overall plan quality |
| HealthSpring True Choice (PPO)H7849-156 · PPO | $6.00 | $700.00 | $7,150.00 | 5 | 3 out of 5 stars for overall plan quality |
| UHC Dual Complete MO-S3 (HMO-POS D-SNP)H0169-014 · HMO-POS D-SNP · Dual-eligible SNP | $8.90 | $700.00 | $9,850.00 | 5 | 3.5 out of 5 stars for overall plan quality |
| NHC Advantage (HMO I-SNP)H4172-001 · HMO I-SNP · Institutional SNP | $12.20 | $700.00 | $9,850.00 | — | 4.5 out of 5 stars for overall plan quality |
| Provider Partners Missouri Essential Plan (HMO I-SNP)H9191-007 · HMO I-SNP · Institutional SNP | $14.50 | $700.00 | $9,850.00 | — | 4 out of 5 stars for overall plan quality |
| HealthSpring TotalCare (HMO D-SNP)H0439-022 · HMO D-SNP · Dual-eligible SNP | $18.40 | $700.00 | $9,850.00 | 5 | 3 out of 5 stars for overall plan quality |
| HealthSpring TotalCare Plus (HMO D-SNP)H0439-023 · HMO D-SNP · Dual-eligible SNP | $18.40 | $700.00 | $9,850.00 | 5 | 3 out of 5 stars for overall plan quality |
| Wellcare Home State Health Dual Reserve (HMO-POS D-SNP)H1664-012 · HMO-POS D-SNP · Dual-eligible SNP | $18.40 | $700.00 | $3,600.00 | 6 | 3 out of 5 stars for overall plan quality |
| UHC Dual Complete MO-Q2 (PPO D-SNP)H2001-040 · PPO D-SNP · Dual-eligible SNP | $18.40 | $700.00 | $9,850.00 | 5 | 4.5 out of 5 stars for overall plan quality |
| American Health Advantage of Missouri (HMO I-SNP)H4490-001 · HMO I-SNP · Institutional SNP | $18.40 | $700.00 | $9,850.00 | — | — |
| American Health Advantage of Missouri Choice (HMO I-SNP)H4490-003 · HMO I-SNP · Institutional SNP | $18.40 | $700.00 | $9,850.00 | — | — |
| Provider Partners Missouri Advantage Plan (HMO I-SNP)H9191-001 · HMO I-SNP · Institutional SNP | $18.40 | $700.00 | $9,850.00 | — | 4 out of 5 stars for overall plan quality |
| AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS)H2802-052 · HMO-POS | $19.00 | $685.00 | $4,450.00 | 5 | 3.5 out of 5 stars for overall plan quality |
| Essence Advantage Choice (PPO)H6200-001 · PPO | $40.00 | $700.00 | $9,850.00 | 5 | 4 out of 5 stars for overall plan quality |
| AARP Medicare Advantage from UHC ST-0001 (PPO)H2406-043 · PPO | $58.00 | $685.00 | $7,150.00 | 5 | 4 out of 5 stars for overall plan quality |
| Essence Advantage Plus (HMO)H2610-006 · HMO | $59.00 | $450.00 | $2,900.00 | 5 | 4 out of 5 stars for overall plan quality |
| Aetna Medicare Enhanced Extra (HMO-POS)H2663-006 · HMO-POS | $59.00 | $700.00 | $5,900.00 | 5 | 3.5 out of 5 stars for overall plan quality |
| Humana Gold Choice H8145-006 (PFFS)H8145-006 · PFFS | $60.00 | $700.00 | $7,800.00 | 5 | 4 out of 5 stars for overall plan quality |
| Aetna Medicare Enhanced Classic (PPO)H1608-013 · PPO | $70.00 | $700.00 | $7,500.00 | 5 | 4 out of 5 stars for overall plan quality |
| Aetna Medicare Enhanced (PPO)H5521-748 · PPO | $70.00 | $700.00 | $7,500.00 | 5 | 4 out of 5 stars for overall plan quality |
| HumanaChoice H5216-032 (PPO)H5216-032 · PPO | $76.00 | $700.00 | $9,250.00 | 5 | 4 out of 5 stars for overall plan quality |
| HumanaChoice R1532-002 (Regional PPO)R1532-002 · Regional PPO | $119.00 | $700.00 | $7,700.00 | 5 | 3.5 out of 5 stars for overall plan quality |
| Essence Advantage Premier Plus (PPO)H6200-008 · PPO | $264.00 | $700.00 | $2,900.00 | 5 | 4 out of 5 stars for overall plan quality |
Plan facts come from the CMS plan Landscape file and the CMS plan benefit package (PBP) files; star ratings from the CMS Part C & D Star Ratings, which are published per contract — every plan under a contract shares its rating.