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  1. 🏠
  2. Medicare Advantage Plans
  3. Missouri
  4. Madison County

2026 Medicare Advantage Plans in Madison County, MO

Last update: September 1, 2026.

In Madison County, MO, there are 24 Medicare Advantage plans available for 2026. Of these, 20 offer a $0 monthly premium, and about 55% are rated 4 stars or higher based on CMS quality ratings.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Madison County, MO. Or explore all Medicare Options available in Madison County, MO.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans
  • PFFS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium
$9.45/mo
Plans with $0 Premium
20
Average MOOP Limit
$4,981 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 55% · 3 Stars: 36% · Below 3: 9%
Average Part D Deductible
$557.50
Total MA/MAPD Enrollment
908
Plans with the Highest Enrollment
(as of September 8, 2026)
1. AARP Medicare Advantage from UHC MO-0007 (HMO-POS) — 401 enrollees
2. AARP Medicare Advantage from UHC MO-0002 (PPO) — 81 enrollees
3. Humana Essentials Plus Giveback H4461-045 (HMO) — 60 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
11
Average Monthly Premium
$14.18/mo
Total PPO Enrollment
230
$0 Premium PPO Plans
9
Average MOOP
$5,523
Top PPO by Enrollment
AARP Medicare Advantage from UHC MO-0002 (PPO) — 81 enrollees
PPO Plans Without Drug Coverage
3

PPO Medicare Advantage plan comparison – Madison County, Missouri, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Full Access H7617-008
☆☆☆☆☆
$0 $5,000 $400 H7617-008-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H7617-012-0
Humana Value Choice H7617-023
☆☆☆☆☆
$0 $3,500 $615 H7617-023-0
AARP Medicare Advantage from UHC MO-0002
☆☆☆☆☆
$0 $5,400 $520 H2406-068-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H1608-051-0
Humana Full Access H5216-407
☆☆☆☆☆
$0 $5,000 $400 H5216-407-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H5216-278-1
Humana Value Choice H5216-318
☆☆☆☆☆
$0 $3,500 $615 H5216-318-1
UHC Medicare Advantage AM-0002
☆☆☆☆☆
$106 $9,250 $600 R3444-012-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $5,500 N/A R1532-001-0
HumanaChoice R1532-002
☆☆☆☆☆
$50 $7,450 $615 R1532-002-0
What is the total number of PPO plans offered in Madison?

Madison County has 11 PPO plans for 2026, with 230 enrolled.

How much do PPO plans cost in Madison?

The typical PPO premium in Madison is $14.18, and 9 plans have no monthly premium.

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
6
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
173
$0 Premium HMO Plans
6
Average MOOP
$4,000
Top HMO by Enrollment
Humana Essentials Plus Giveback H4461-045 (HMO) — 60 enrollees
HMO Plans Without Drug Coverage
0

HMO Medicare Advantage plan comparison – Madison County, Missouri, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Essentials Plus Giveback H4461-045
☆☆☆☆☆
$0 $4,200 $615 H4461-045-0
Humana Total Complete H4461-046
☆☆☆☆☆
$0 $2,700 $615 H4461-046-0
Humana Gold Plus Giveback H0028-065
☆☆☆☆☆
$0 $4,200 $615 H0028-065-0
Humana Gold Plus H0028-014
☆☆☆☆☆
$0 $2,700 $615 H0028-014-0
DEVOTED CORE 009 MO
☆☆☆☆☆
$0 $3,200 $305 H2041-009-0
DEVOTED GIVEBACK 010 MO
☆☆☆☆☆
$0 $7,000 $605 H2041-010-0
What is the average monthly premium for HMO plans?
HMO plans in Madison cost $0.00 per month on average.
Which HMO plan is most popular in Madison?
The most popular HMO plan in Madison is Humana Essentials Plus Giveback H4461-045 (HMO), with 60 enrollees.
How many HMO plans in Madison do not include drug coverage?
There are 0 HMO plans in Madison without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

  • Total HMO-POS Plans 6
  • Average Monthly Premium $11.82/mo
  • Total HMO-POS Enrollment 505
  • $0 Premium HMO-POS Plans 4
  • Average MOOP $4,683
  • Top HMO-POS by Enrollment AARP Medicare Advantage from UHC MO-0007 (HMO-POS) — 401 enrollees
  • HMO-POS Plans Without Drug Coverage 2

HMO-POS Medicare Advantage plan comparison – Madison County, Missouri, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC MO-0007
☆☆☆☆☆
$0 $4,000 $440 H2802-049-0
AARP Medicare Advantage Patriot No Rx MO-MA01
☆☆☆☆☆
$0 $4,900 N/A H2802-050-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $4,900 N/A H2663-069-0
Aetna Medicare Enhanced Extra
☆☆☆☆☆
$40 $5,900 $615 H2663-006-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $4,200 $615 H2663-041-0
Aetna Medicare Value Plus
☆☆☆☆☆
$31 $4,200 $615 H2663-057-0
What is the total number of HMO-POS plans in Madison?

There are 6 HMO-POS plans in 2026, covering 505 enrollees.

How much do HMO-POS plans cost in Madison?

The average HMO-POS premium in Madison is $11.82 per month, with 4 plans offering $0 premiums.

What is the leading HMO-POS plan in Madison?

AARP Medicare Advantage from UHC MO-0007 (HMO-POS) is the top HMO-POS in Madison, with 401 enrollees.

What is the number of HMO-POS plans without Part D coverage in Madison?

2 HMO-POS plans in Madison do not include prescription drug coverage.

Medicare Advantage PFFS Plans

PFFS plans allow members to visit any Medicare-approved provider who accepts the plan’s payment terms. This offers broader choice than network-based plans, but coverage depends on provider participation, so acceptance should be confirmed in advance.

Total PFFS Plans
1
Average Monthly Premium
$0.00/mo
Total PFFS Enrollment
0
$0 Premium PFFS Plans
1
Average MOOP
$6,700
Top PFFS by Enrollment
— 0 enrollees
PFFS Plans Without Drug Coverage
1

PFFS Medicare Advantage plan comparison – Madison County, Missouri, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Choice H8145-126
☆☆☆☆☆
$0 $6,700 N/A H8145-126-0

What is the average monthly premium for PFFS plans?

PFFS plans in Madison cost $0.00 per month on average.

Which PFFS plan is most popular in Madison?

The most popular PFFS plan in Madison is , with 0 enrollees.

How many PFFS plans in Madison do not include drug coverage?

There are 1 PFFS plans in Madison without prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Madison County, MO for 2026.

CMS Star Ratings for Medicare Advantage Plans in Madison County, MO (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 12 55%
3 Stars 8 36%
Below 3 Stars 2 9%
Not Rated 2 8%
Average Rating 3.73

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

Data sources and methodology documentation .

  • Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — 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 documentation is maintained in alignment 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.

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