Missouri Medigap Plans have different rules than in other states. Those from the Show-Me State have an option called the “Anniversary Rule” which allows Medigap enrollees to switch plans each year. We will “show-you” how it works below!
Missouri Medigap Basics
To qualify for Medigap coverage, enrollment in Medicare Parts A and B is required. You’re granted a six-month initial open enrollment window beginning when your Part B becomes active. This timeframe applies to both individuals aged 65 and above, as well as those with disabilities.
Within this enrollment period, no insurance provider can reject your application for any available Medigap plan they offer. They might, however, enforce a waiting period of up to six months before covering pre-existing condition-related treatments. Your past creditable coverage is credited to offset any six-month waiting period.
If you can demonstrate a guaranteed issue right, your medical information can’t be used to deny Medigap coverage or modify the cost. (Source)
Have questions? Feel free to reach out to Senior65.com at 800-930-7956. There is no charge or hidden fee to work with us. No one can sell the same Medigap policy for less than we can.
Comparing Missouri Standard Medigap Plans
The following Missouri chart showcases 8 Medigap plans (and how they cover annual Medicare Part A & B costs) available to those who qualified for Medicare Part B after 2020. Medigap Plans C and F are only available for those who became Medicare Part B eligible prior to January 1, 2020.
| Benefits | A | B | D | G* | K | L | M | N |
|---|---|---|---|---|---|---|---|---|
| Medicare Part A Deductible ($1,632) | 100% | 100% | 100% | 50% | 75% | 50% | 100% | |
| Part B Deductible ($240) | ||||||||
| Medicare Part A Hospital Coinsurance and 365 additional hospital days | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Medicare Part B Coinsurance | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| First 3 Pints of Blood for a Transfusion | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Medicare Part A Hospice Coinsurance or Copay | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled Nursing Facility Coinsurance | 100% | 100% | 50% | 75% | 100% | 100% | ||
| Medicare Part B Excess Charges | 100% | |||||||
| Foreign Emergency Healthcare | 80% | 80% | 80% | 80% | ||||
| Max Out-of-Pocket | $7,060 | $3,530 |
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*Medigap Plan High G offers the same coverage as Medigap Plan G but with a deductible.
Switch Medigap Plans in Missouri: Anniversary Rule
Missouri offers the “Anniversary Rule” as an option for Medigap policyholders, allowing them to change plans annually. This is a really big deal because in most states if you want to switch Medigap plans you have to answer health questions during the application process and can be turned down by the new company.
Switching plans without answering any health questions may seem similar to the “California Medigap Birthday Rule,”but there are two big distinctions. Read the Definitive Guide to the Medigap Birthday Rule in All States. Here’s how the Medigap Anniversary Rule operates:
- You can switch your carrier during the 30 days before and after your policy’s anniversary date.
- Your switch must be to a Medigap plan from another company that offers the SAME benefits (e.g., transitioning from Company X’s Medigap G to Company Y’s Medigap G).
Unfortunately, you cannot use the MO Anniversary rule to downgrade your coverage such as going from a Plan F to a Plan G. Meeting the two bullet point criteria above, however, ensures your enrollment in a new plan without medical underwriting. To delve deeper into this topic, you can read our article Missouri Medigap Anniversary Rule.
Most popular plan in MO state
According to recent data by America’s Health Insurance Plans (AHIP), over 325,000 Missouri residents have chosen a MedSup policy.
As you may be aware, changes in Medigap plans since 2020 have influenced preferences. While Plan F was once highly popular, it’s no longer available for new enrollees. Plan G has now become the favored choice, attracting the most enrollees aged 65 and above since January 1, 2020.
Medigap for under 65 in Missouri
Individuals under 65 who have been approved for Social Security disability also possess the guaranteed right to purchase Medigap insurance upon enrolling in Part B.
Upon reaching 65, disabled Medigap policyholders experience a second open enrollment period. During this time, they can exercise the same rights as any 65-year-old becoming eligible for Medicare for the first time. They can select their preferred plan from any insurer and pay the same rates as other Medicare beneficiaries. To learn more, you can read our article “Medigap Under 65 State Rules“.
Medicare Excess Charges in Missouri
Can doctors charge me more than Medicare says? Absolutely. It’s called a Part B excess charge. Doctors can charge up to 15% more than the Medicare-approved amount. However, Medigap Plan G is a game-changer. It covers 100% of these excess charges, so you won’t have to pay a penny extra. Want to learn more? Check out our article, “How to Avoid Medicare Excess Charges.” We’ll dive deeper into what Part B excess charges are, how they can affect your wallet.
Are There Any Medigap Discounts in Missouri?
Yes! Explore options like:
Since discounts differ by state and insurance provider, call us to find out what’s available in your area.
Next Steps
Having gained a good understanding about Missouri Medigap Plans, it’s time to explore the pricing details. For any additional questions, feel free to reach out to our Senior65.com team at 800-930-7956.
Remember, Senior65.com offers all its services free of charge!