Medicare plans in St. Louis County, MO
46 medicare advantage are approved for St. Louis County, and 36 of them have no monthly premium. 44 carry a CMS star rating.
57.8% of the 227,300 people eligible for Medicare in St. Louis County are already in a Medicare Advantage plan (September 2026).
All plans · Medicare Advantage · Special Needs Plans · Part D drug plans
| Plan | Premium a month | Most you can pay a year | Drug deductible | Stars | Enrolled here |
|---|---|---|---|---|---|
| Essence Advantage (HMO) Essence Healthcare · HMO |
$0 | $3,400 | $0 | 4.5/5 | 8,717 |
| Essence Advantage Select (HMO) Essence Healthcare · HMO |
$0 | $3,900 | $340 | 4.5/5 | 9,050 |
| Humana Full Access H7617-008 (PPO) Humana · PPO |
$0 | $5,000 | $400 | 4.5/5 | 591 |
| Humana USAA Honor Giveback (PPO) Humana · PPO |
$0 | $4,700 | Not published | 4.5/5 | 168 |
| Humana Value Choice H7617-023 (PPO) Humana · PPO |
$0 | $3,500 | $615 | 4.5/5 | 1,491 |
| Aetna Medicare Elite (PPO) Aetna Medicare · PPO |
$0 | $4,500 | $615 | 4.0/5 | 726 |
| Aetna Medicare Signature (PPO) Aetna Medicare · PPO |
$0 | $4,200 | $615 | 4.0/5 | 873 |
| AARP Medicare Advantage from UHC ST-2 (PPO) UnitedHealthcare · PPO |
$0 | $6,700 | $600 | 4.0/5 | 2,820 |
| Aetna Medicare Signature (HMO-POS) Aetna Medicare · HMO-POS |
$0 | $3,400 | $615 | 4.0/5 | 15,264 |
| Aetna Medicare Eagle (HMO-POS) Aetna Medicare · HMO-POS |
$0 | $4,900 | Not published | 4.0/5 | 47 |
| AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) UnitedHealthcare · HMO-POS |
$0 | $3,200 | $440 | 4.0/5 | 14,844 |
| AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) UnitedHealthcare · HMO-POS |
$0 | $4,900 | Not published | 4.0/5 | 1,245 |
| AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) UnitedHealthcare · HMO-POS |
$0 | $3,900 | $520 | 4.0/5 | 12,170 |
| AARP Medicare Advantage from UHC ST-1P (HMO-POS) UnitedHealthcare · HMO-POS |
$0 | $2,900 | $355 | 4.0/5 | 438 |
| AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS) UnitedHealthcare · HMO-POS |
$0 | $6,700 | $600 | 4.0/5 | 320 |
| Humana Essentials Plus Giveback H4461-045 (HMO) Humana · HMO |
$0 | $4,200 | $615 | 4.0/5 | 1,194 |
| Humana Total Complete H4461-046 (HMO) Humana · HMO |
$0 | $2,700 | $615 | 4.0/5 | 3,908 |
| Humana Gold Plus H0028-014 (HMO) Humana · HMO |
$0 | $2,700 | $615 | 3.5/5 | 2,544 |
| Humana Gold Plus Giveback H0028-065 (HMO) Humana · HMO |
$0 | $4,200 | $615 | 3.5/5 | 497 |
| HealthSpring Preferred (HMO) HealthSpring · HMO |
$0 | $2,300 | $200 | 3.5/5 | 496 |
| HealthSpring Preferred Savings (HMO) HealthSpring · HMO |
$0 | $6,750 | $0 | 3.5/5 | 282 |
| Anthem Medicare Advantage (HMO-POS) Anthem HealthKeepers · HMO-POS |
$0 | $3,500 | $210 | 3.5/5 | 3,560 |
| Anthem Veteran (PPO) Anthem Blue Cross and Blue Shield · PPO |
$0 | $6,751 | Not published | 3.5/5 | 59 |
| Humana USAA Honor Giveback (PPO) Humana · PPO |
$0 | $4,700 | Not published | 3.5/5 | 282 |
| Humana Value Choice H5216-318 (PPO) Humana · PPO |
$0 | $3,500 | $615 | 3.5/5 | 2,095 |
| Humana Full Access H5216-407 (PPO) Humana · PPO |
$0 | $5,000 | $400 | 3.5/5 | 316 |
| Essence Advantage Choice (PPO) Essence Healthcare · PPO |
$0 | $5,400 | $340 | 3.5/5 | 3,259 |
| Humana Gold Choice H8145-126 (PFFS) Humana · PFFS |
$0 | $6,700 | Not published | 3.5/5 | Fewer than 11 |
| Wellcare Simple (HMO-POS) Wellcare · HMO-POS |
$0 | $6,000 | $615 | 3.0/5 | 267 |
| Wellcare Giveback (HMO-POS) Wellcare · HMO-POS |
$0 | $7,000 | $615 | 3.0/5 | 119 |
| Wellcare Simple Open (PPO) Wellcare · PPO |
$0 | $6,000 | $615 | 3.0/5 | 109 |
| Wellcare Patriot Giveback Open (PPO) Wellcare · PPO |
$0 | $4,000 | Not published | 3.0/5 | 103 |
| HealthSpring True Choice Savings (PPO) HealthSpring · PPO |
$0 | $4,250 | $200 | 3.0/5 | 150 |
| Humana USAA Honor Giveback (Regional PPO) Humana · Regional PPO |
$0 | $5,500 | Not published | 2.5/5 | 78 |
| DEVOTED CORE 001 MO (HMO) Devoted Health · HMO |
$0 | $3,100 | $385 | Too new to be rated | 380 |
| DEVOTED GIVEBACK 002 MO (HMO) Devoted Health · HMO |
$0 | $7,000 | $605 | Too new to be rated | 596 |
| Aetna Medicare Value Plus (HMO-POS) Aetna Medicare · HMO-POS |
$30.90 | $4,200 | $615 | 4.0/5 | 374 |
| Humana Gold Choice H8145-006 (PFFS) Humana · PFFS |
$37.00 | $6,800 | $615 | 3.5/5 | 44 |
| Aetna Medicare Enhanced Extra (HMO-POS) Aetna Medicare · HMO-POS |
$40.00 | $5,900 | $615 | 4.0/5 | 497 |
| HumanaChoice R1532-002 (Regional PPO) Humana · Regional PPO |
$50.00 | $7,450 | $615 | 2.5/5 | 13 |
| AARP Medicare Advantage from UHC ST-0001 (PPO) UnitedHealthcare · PPO |
$53.00 | $4,500 | $520 | 4.0/5 | 3,856 |
| Essence Advantage Plus (HMO) Essence Healthcare · HMO |
$59.00 | $2,900 | $0 | 4.5/5 | 525 |
| Aetna Medicare Enhanced (PPO) Aetna Medicare · PPO |
$60.00 | $7,500 | $615 | 4.0/5 | 322 |
| HumanaChoice H5216-032 (PPO) Humana · PPO |
$63.00 | $9,250 | $615 | 3.5/5 | 76 |
| UHC Medicare Advantage AM-0002 (Regional PPO) UnitedHealthcare · Regional PPO |
$106.00 | $9,250 | $600 | 3.0/5 | 92 |
| Essence Advantage Premier Plus (PPO) Essence Healthcare · PPO |
$254.00 | $2,000 | $615 | 3.5/5 | 25 |
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Premiums, deductibles, maximum out-of-pocket amounts, star ratings and sanctions are reproduced from the Centers for Medicare & Medicaid Services landscape file as published in the September 2026 release. Enrolment counts are from the CMS monthly enrolment file; CMS suppresses any count of ten or fewer, which is why many plans show “fewer than 11” rather than a number. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: see Medicare.gov or call 1-800-MEDICARE.