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How Much Does A Medicare Supplement Plan Cost In Missouri?
How much does a Medicare supplement plan cost in Missouri? Well, that depends upon a variety of factors. Generally, Medicare supplement plan monthly
premiums tend to run slightly higher in Missouri than they do in other nearby states. But there are other factors that have a far greater impact on price.
Keep in mind that when searching for the ideal Medicare supplement plan, cost is a significant factor, is should not be the only factor you should consider.
The most important factor should always be the overall quality of the plan you choose. This includes the benefits of the plan itself, as well as the company
that is behind the plan. Once you are satisfied with the aforementioned qualities of the plan, only then should you consider price.
Good to know: Get copies of all your medical test results and records. Bringing those with you to consultations can cut the number of tests and office visits you need. Often, if you've had a test recently, there is no need to repeat it. Plus, if you visit a doctor with test results in hand, she can advise you immediately rather than needing to set up another appointment after test results arrive.
We will list the factors that impact the premium rates of Medicare supplement insurance. They are ordered from the most significant impact, to the least:- Plan Type
- Age
- Company
- Tobacco Use
- Health Status
- Region
- Gender
Plan Type
The most significant factor is the plan type that you choose. For example, the monthly premium of a plan type "G" is going to be somewhat higher than the monthly premium of a plan type "A". This is because each Medicare supplement plan type offers a different benefit structure. All supplement plans are designed to cover medical costs that are not covered by traditional Medicare. However, some plans pick up more medical costs than others. These benefit differences are reflected in monthly premium.
Age
With very few exceptions, the older you are, the higher your monthly premium.
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| Saint Luke's Hospital of Kansas City 4401 Wornall Rd Kansas City, MO 64111 Telephone: (816) 932-2000 Plus Code: 2CX5+CH Kansas City, Missouri |
Company
In Missouri, Medicare supplement monthly premiums vary wildly depending upon which insurance company you buy the plan from. The fact that plan benefits may be exactly the same, does not mean the monthly premium will be. While traditional Medicare is a government program, Medicare supplement plans are offered by private insurance companies. They get to set the pricing of the plans they offer.
Tobacco Use
Most insurance companies in Missouri will charge a slightly higher monthly premium for Medicare supplement coverage if you smoke or chew tobacco.
Health Status
In some cases, if you are not enrolling within the open enrollment - guarantee issue time frame for Medicare supplement coverage, some companies in Missouri will charge you a higher rate if you have specific medical issues. Please contact us if you have questions concerning this.
Gender
Both Medicare supplement and Medicare advantage plan insurance companies tend to offer slightly lower premium rates for women.
Where you live in Missouri
Your Medicare Supplement plan monthly premium will vary depending on where you live in Missouri. Usually, monthly premiums in rural areas tend to be slightly lower than monthly premiums in large metropolitan regions.
Insurance companies offering Medicare Supplement and Medicare Advantage plans include:
- AARP
- Blue Cross Blue Shield
- Mutual of Omaha
- Combined
- IAC
- Gerber
- TransAmerica
- United of Omaha
- Humana
- Cigna
On Average For 2024
On average, in Missouri, for a standard plan A, the average monthly premium for a 65 year old non-tobacco, female applicant would be: $117.00 - $142.00.
On average, in Missouri, for a standard plan A, the average monthly premium for a 65 year old non-tobacco, male applicant would be: $129.00 - $161.00.
Good to know: Keep an eye out for health plan discounts for using fitness technology like Fitness Trackers. As technology makes data about the state of our health easily available, many insurers are starting to look at using tools like fitness trackers to minimize risk. Some insurance providers currently offer discounts or incentive plans that will save you money, or provide financial rewards.
Ask a broker about plans that give discounts using new fitness technologies, or plans with health incentives. One example is "UnitedHealthcare Motion" which offers financial reimbursement incentives of up $1,500 per year. These types of plans provide good opportunities for savings. Also, make sure to inquire about the possibilities every year, since these types of programs will become more common over time.
Ask a broker about plans that give discounts using new fitness technologies, or plans with health incentives. One example is "UnitedHealthcare Motion" which offers financial reimbursement incentives of up $1,500 per year. These types of plans provide good opportunities for savings. Also, make sure to inquire about the possibilities every year, since these types of programs will become more common over time.
To get an exact rate, click the "Get An Instant Quote Now" at the top of the page!
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