2026 Medicare Advantage Plans in Clay County, MO
Last update: . Enrollment data updated: May 2, 2026
For 2026, Clay County, MO includes 35 Medicare Advantage plans. Enrollment across these plans totals approximately 16,480, with 28 $0 premium options and 36% rated 4 stars or higher.
Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Clay County, MO are provided separately. Or you can discover all Medicare Options in Clay County, MO.
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
- 17
- Average Monthly Premium
- $12.88/mo
- Total PPO Enrollment
- 9,891
- $0 Premium PPO Plans
- 14
- Average MOOP
- $5,831
- Top PPO by Enrollment
- Humana Value Choice H7617-010 (PPO) — 3,406 enrollees
- PPO Plans Without Drug Coverage
- 5
What is the typical premium for PPO plans available in Clay?
PPO plans in Clay cost $12.88 per month on average.
Which PPO plan do most beneficiaries choose in Clay?
The most popular PPO plan in Clay is Humana Value Choice H7617-010 (PPO), with 3,406 enrollees.
How many PPO options are offered without drug coverage in Clay?
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 6
- Average Monthly Premium $9.07/mo
- Total HMO Enrollment 843
- $0 Premium HMO Plans 4
- Average MOOP $5,550
- Top HMO by Enrollment Humana Gold Plus H0028-017 (HMO) — 410 enrollees
- HMO Plans Without Drug Coverage 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Aetna Medicare Value Plus | $36 | $4,900 | $615 | H2663-052-0 | |
| Humana Gold Plus H0028-017 | $18 | $6,800 | $615 | H0028-017-0 | |
| HealthSpring Preferred | $0 | $4,250 | $200 | H9460-001-0 | |
| HealthSpring Preferred Savings | $0 | $6,750 | $0 | H9460-003-0 | |
| DEVOTED CORE 003 MO | $0 | $3,600 | $375 | H2041-003-0 | |
| DEVOTED GIVEBACK 004 MO | $0 | $7,000 | $605 | H2041-004-0 |
What is the total number of HMO plans offered in Clay?
In 2026, Clay County has 6 HMO plans with 843 enrollees.
How much do HMO plans cost in Clay?
The typical HMO premium in Clay is $9.07, and 4 plans have no monthly premium.
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
- $4.45/mo
- Total HMO-POS Enrollment
- 5,729
- $0 Premium HMO-POS Plans
- 10
- Average MOOP
- $4,764
- Top HMO-POS by Enrollment
- Humana Total Complete Giveback H4461-047 (HMO-POS) — 2,346 enrollees
- HMO-POS Plans Without Drug Coverage
- 2
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC KC-6 | $0 | $3,900 | $440 | H2802-076-0 | |
| AARP Medicare Advantage Extras from UHC KC-2 | $0 | $5,900 | $520 | H2802-032-0 | |
| AARP Medicare Advantage from UHC KC-0003 | $49 | $3,800 | $440 | H2802-033-0 | |
| AARP Medicare Advantage Patriot No Rx KS-MA2 | $0 | $6,700 | N/A | H2802-077-0 | |
| Aetna Medicare Eagle | $0 | $5,500 | N/A | H2663-025-0 | |
| Aetna Medicare Signature | $0 | $4,200 | $615 | H2663-026-0 | |
| Aetna Medicare Signature Extra | $0 | $5,200 | $615 | H2663-061-0 | |
| Humana Total Complete Giveback H4461-047 | $0 | $4,200 | $615 | H4461-047-0 | |
| Humana Gold Plus Giveback H0028-066 | $0 | $4,200 | $615 | H0028-066-0 | |
| Humana Gold Plus H0028-054 | $0 | $2,800 | $400 | H0028-054-1 | |
| Wellcare Simple | $0 | $6,000 | $615 | H1664-001-0 |
- What is the average monthly premium for HMO-POS plans?
- HMO-POS plans in Clay cost $4.45 per month on average.
- Which HMO-POS plan is most popular in Clay?
- The most popular HMO-POS plan in Clay is Humana Total Complete Giveback H4461-047 (HMO-POS), with 2,346 enrollees.
- How many HMO-POS plans in Clay do not include drug coverage?
- There are 2 HMO-POS plans in Clay without prescription drug coverage.
Medicare Advantage PFFS Plans
Private Fee-for-Service (PFFS) plans allow members to visit any Medicare-approved provider that accepts the plan’s payment terms. This provides flexibility in choosing doctors and hospitals, but provider acceptance should be confirmed before receiving care.
- Total PFFS Plans 1
- Average Monthly Premium $37.00/mo
- Total PFFS Enrollment 17
- $0 Premium PFFS Plans 0
- Average MOOP $6,800
- Top PFFS by Enrollment Humana Gold Choice H8145-006 (PFFS) — 17 enrollees
- PFFS Plans Without Drug Coverage 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Humana Gold Choice H8145-006 | $37 | $6,800 | $615 | H8145-006-0 |
What is the total number of PFFS plans in Clay?
There are 1 PFFS plans in 2026, covering 17 enrollees.
How much do PFFS plans cost in Clay?
The average PFFS premium in Clay is $37.00 per month, with 0 plans offering $0 premiums.
What is the top PFFS plan in Clay?
Humana Gold Choice H8145-006 (PFFS) is the top PFFS in Clay, with 17 enrollees.
What is the number of PFFS plans without Part D coverage in Clay?
0 PFFS plans in Clay do not include prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Clay County, MO (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 12 | 36% |
| 3 Stars | 19 | 58% |
| Below 3 Stars | 2 | 6% |
| Not Rated | 2 | 6% |
| Average Rating | 3.56 | |
* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
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 .
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
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 .
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.