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2027 Medicare Advantage Plans in Clay County, MO

Last update: .

For 2027, Clay County, MO includes 35 Medicare Advantage plans. Enrollment across these plans totals approximately 15,921, with 25 $0 premium options and 59% rated 4 stars or higher.

At a Glance

  • Average Monthly Premium: $12.66/mo
  • $0 Premium Plans: 25
  • Average MOOP: $5,866 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 59% · 3 Stars: 41% · Below 3: 0%
  • Average Part D Deductible: $661.84
  • Total MA/MAPD Enrollment: 15,921
  • Plans with the Highest Enrollment
    (as of November 10, 2026)
    1. Humana Value Choice (PPO) — 3,482 enrollees
    2. Humana Total Complete Giveback (HMO-POS) — 2,475 enrollees
    3. Humana Essentials Plus Giveback (PPO) — 1,410 enrollees

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Clay County, MO are summarized separately. Visit Medicare Options in Clay County, MO to see more options. For a broader perspective, explore Missouri Medicare Advantage plans, including statewide premiums, out-of-pocket costs, CMS ratings, and enrollment comparisons.

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.

Total PPO Plans
16
Average Monthly Premium
$13.38/mo
Total PPO Enrollment
9,733
$0 Premium PPO Plans
13
Average MOOP
$6,078
Top PPO by Enrollment
Humana Value Choice (PPO) — 3,482 enrollees
PPO Plans Without Drug Coverage
5

2027 PPO Medicare Advantage plans in Clay County, Missouri (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Essentials Plus Giveback
☆☆☆☆☆
 $0 $5,250 $700 H7617-017-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $4,700 N/A H7617-012-0
Humana Value Choice
☆☆☆☆☆
 $0 $4,400 $700 H7617-010-0
AARP Medicare Advantage from UHC KC-4
☆☆☆☆☆
 $0 $7,150 $685 H8768-023-0
AARP Medicare Advantage from UHC KC-5
☆☆☆☆☆
 $19 $7,150 $685 H8768-039-0
AARP Medicare Advantage Patriot No Rx KS-MA01
☆☆☆☆☆
 $0 $7,150 N/A H8768-025-0
Aetna Medicare Signature
☆☆☆☆☆
 $0 $6,750 $700 H5521-742-0
Aetna Medicare Signature Classic
☆☆☆☆☆
 $0 $6,750 $700 H1608-016-0
Humana Essentials Plus Giveback
☆☆☆☆☆
 $0 $5,250 $700 H5216-405-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $4,700 N/A H5216-278-1
Humana Value Choice
☆☆☆☆☆
 $0 $4,450 $700 H5216-318-2
HumanaChoice H5216-032
☆☆☆☆☆
 $76 $9,250 $700 H5216-032-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $5,500 N/A R1532-001-0
HumanaChoice R1532-002
☆☆☆☆☆
 $119 $7,700 $700 R1532-002-0
Wellcare Patriot Giveback Open
☆☆☆☆☆
 $0 $4,000 N/A H7518-002-0
Wellcare Simple Open
☆☆☆☆☆
 $0 $7,100 $700 H7518-001-0

What is the average monthly premium for PPO plans in Clay?

PPO plans in Clay cost $13.38 per month on average.

Which PPO plan has the highest enrollment in Clay?

The most popular PPO plan in Clay is Humana Value Choice (PPO), with 3,482 enrollees.

How many PPO plans in Clay do not include prescription drug coverage?

5 PPO plans in Clay do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.

  • Total HMO Plans 4
  • Average Monthly Premium $5.50/mo
  • Total HMO Enrollment 698
  • $0 Premium HMO Plans 3
  • Average MOOP $5,613
  • Top HMO by Enrollment Humana Gold Plus H0028-017 (HMO) — 382 enrollees
  • HMO Plans Without Drug Coverage 0

2027 HMO Medicare Advantage plans in Clay County, Missouri (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Gold Plus H0028-017
☆☆☆☆☆
 $22 $6,800 $700 H0028-017-0
DEVOTED CORE 003 MO
☆☆☆☆☆
 $0 $3,600 $650 H2041-003-0
DEVOTED GIVEBACK 004 MO
☆☆☆☆☆
 $0 $7,150 $461 H2041-004-0
Aetna Medicare Value Plus
☆☆☆☆☆
 $0 $4,900 $400 H2663-052-0
What is the top HMO by enrollment in Clay?

Humana Gold Plus H0028-017 (HMO) is the top HMO in Clay, with 382 enrollees.

What is the number of HMO plans without Part D coverage in Clay?

0 HMO plans in Clay do not include prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
11
Average Monthly Premium
$9.91/mo
Total HMO-POS Enrollment
5,474
$0 Premium HMO-POS Plans
9
Average MOOP
$5,473
Top HMO-POS by Enrollment
Humana Total Complete Giveback (HMO-POS) — 2,475 enrollees
HMO-POS Plans Without Drug Coverage
2

2027 HMO-POS Medicare Advantage plans in Clay County, Missouri (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Total Complete
☆☆☆☆☆
 $0 $2,800 $500 H0028-054-1
Humana Total Complete Giveback
☆☆☆☆☆
 $0 $4,200 $700 H4461-047-0
Humana Total Complete Giveback
☆☆☆☆☆
 $0 $4,200 $700 H0028-066-0
AARP Medicare Advantage Essentials from UHC KC-6
☆☆☆☆☆
 $0 $6,700 $685 H2802-076-0
AARP Medicare Advantage Extras from UHC KC-2
☆☆☆☆☆
 $0 $7,150 $685 H2802-032-0
AARP Medicare Advantage from UHC KC-0003
☆☆☆☆☆
 $55 $4,450 $595 H2802-033-0
AARP Medicare Advantage Patriot No Rx KS-MA2
☆☆☆☆☆
 $0 $7,150 N/A H2802-077-0
Aetna Medicare Eagle
☆☆☆☆☆
 $0 $5,500 N/A H2663-025-0
Aetna Medicare Enhanced
☆☆☆☆☆
 $54 $6,750 $700 H2663-118-0
Aetna Medicare Signature
☆☆☆☆☆
 $0 $4,200 $700 H2663-026-0
Wellcare Simple
☆☆☆☆☆
 $0 $7,100 $700 H1664-001-0

What is the typical premium for HMO-POS plans in Clay?

HMO-POS plans in Clay cost $9.91 per month on average.

Which HMO-POS plan has the most members in Clay?

The most popular HMO-POS plan in Clay is Humana Total Complete Giveback (HMO-POS), with 2,475 enrollees.

How many HMO-POS options are offered without prescription drug coverage in Clay?

There are 2 HMO-POS plans in Clay without prescription drug coverage.

Medicare Advantage PFFS Plans

PFFS, or Private Fee-for-Service plans, allow access to any Medicare-approved doctor or hospital that accepts the plan’s terms. They provide wide flexibility in choosing providers, but it’s essential to verify that your preferred healthcare professionals agree to the plan’s payment rules before scheduling care.

Total PFFS Plans
1
Average Monthly Premium
$60.00/mo
Beneficiaries Enrolled
16
$0 Premium PFFS
0
Average MOOP
$7,800
PFFS with the Highest Enrollment
Humana Gold Choice H8145-006 (PFFS) with 16 enrollees
PFFS Without Drug Coverage
0

2027 PFFS Medicare Advantage plans in Clay County, Missouri (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Gold Choice H8145-006
☆☆☆☆☆
 $60 $7,800 $700 H8145-006-0
What is the total number of PFFS plans in Clay?

In 2027, Clay has 1 PFFS plans with 16 enrollees.

How much do PFFS plans cost in Clay?

The typical PFFS premium in Clay is $60.00, and 0 plans have no monthly premium.

CMS quality ratings for Medicare Advantage plans in Clay County, MO (2027) are summarized below.

Medicare Advantage Plan Ratings in Clay County, MO (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 19 59%
3 Stars 13 41%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.86

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Clay County, Missouri, including communities such as Excelsior Springs, Holt, Kearney, Liberty, Smithville, Kansas City, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation .

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .