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2027 Medicare Advantage Plans in Phelps County, MO

Last update: .

In Phelps County, MO, there are 30 Medicare Advantage plans available for 2027. Of these, 22 offer a $0 monthly premium, and about 50% are rated 4 stars or higher based on CMS quality ratings.

At a Glance

Average Monthly Premium
$16.57/mo
Plans with $0 Premium
22
Average MOOP Limit
$5,987 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 50% · 3 Stars: 50% · Below 3: 0%
Average Part D Deductible
$668.48
Total MA/MAPD Enrollment
2,627
Plans with the Highest Enrollment
(as of October 5, 2026)
1. AARP Medicare Advantage from UHC MO-0009 (PPO) — 569 enrollees
2. AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) — 443 enrollees
3. Humana Value Choice (PPO) — 277 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Phelps County, MO. Or explore all Medicare Options available in Phelps County, MO. To understand how local plans fit into the broader market, visit our Missouri Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

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
16
Average Monthly Premium
$24.56/mo
Total PPO Enrollment
1,242
$0 Premium PPO Plans
11
Average MOOP
$6,050
Top PPO by Enrollment
AARP Medicare Advantage from UHC MO-0009 (PPO) — 569 enrollees
PPO Plans Without Drug Coverage
4

PPO Medicare Advantage plan comparison – Phelps County, Missouri, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $4,700 N/A H7617-012-0
Humana Value Choice
☆☆☆☆☆
 $0 $4,400 $700 H7617-023-0
AARP Medicare Advantage from UHC MO-0009
☆☆☆☆☆
 $0 $7,150 $685 H8768-027-0
AARP Medicare Advantage from UHC ST-0001
☆☆☆☆☆
 $58 $7,150 $685 H2406-043-0
Aetna Medicare Elite
☆☆☆☆☆
 $0 $4,900 $700 H5521-750-0
Aetna Medicare Elite Classic
☆☆☆☆☆
 $0 $5,900 $700 H1608-050-0
Aetna Medicare Elite Classic Extra
☆☆☆☆☆
 $0 $4,900 $700 H1608-067-0
Aetna Medicare Enhanced
☆☆☆☆☆
 $70 $7,500 $700 H5521-748-0
Aetna Medicare Enhanced Classic
☆☆☆☆☆
 $70 $7,500 $700 H1608-013-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $4,700 N/A H5216-278-1
Humana Value Choice
☆☆☆☆☆
 $0 $4,450 $700 H5216-318-1
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 total number of PPO plans offered in Phelps?

Phelps County has 16 PPO plans for 2027, with 1,242 enrolled.

How much do PPO plans cost in Phelps?

The typical PPO premium in Phelps is $24.56, and 11 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
1
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
26
$0 Premium HMO Plans
1
Average MOOP
$4,450
Top HMO by Enrollment
Phelps Health Medicare Advantage (HMO) — 26 enrollees
HMO Plans Without Drug Coverage
0

HMO Medicare Advantage plan comparison – Phelps County, Missouri, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Phelps Health Medicare Advantage
☆☆☆☆☆
 $0 $4,450 $500 H2942-003-0
What is the average monthly premium for HMO plans?
HMO plans in Phelps cost $0.00 per month on average.
Which HMO plan is most popular in Phelps?
The most popular HMO plan in Phelps is Phelps Health Medicare Advantage (HMO), with 26 enrollees.
How many HMO plans in Phelps do not include drug coverage?
There are 0 HMO plans in Phelps 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.

HMO-POS Medicare Advantage plan comparison – Phelps County, Missouri, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage CareFlex from UHC ST-6
☆☆☆☆☆
 $0 $7,150 $685 H2802-073-0
AARP Medicare Advantage Essentials from UHC MO-4
☆☆☆☆☆
 $0 $7,150 $685 H2802-030-0
AARP Medicare Advantage Essentials from UHC ST-3
☆☆☆☆☆
 $0 $4,450 $685 H2802-028-0
AARP Medicare Advantage Extras from UHC MO-10
☆☆☆☆☆
 $0 $7,150 $685 H2802-072-0
AARP Medicare Advantage Extras from UHC ST-4
☆☆☆☆☆
 $19 $4,450 $685 H2802-052-0
AARP Medicare Advantage from UHC MO-0005
☆☆☆☆☆
 $25 $4,450 $595 H2802-031-0
AARP Medicare Advantage from UHC ST-1P
☆☆☆☆☆
 $0 $4,100 $685 H2802-071-0
AARP Medicare Advantage Patriot No Rx MO-MA01
☆☆☆☆☆
 $0 $5,900 N/A H2802-050-0
Aetna Medicare Eagle
☆☆☆☆☆
 $0 $4,900 N/A H2663-069-0
Aetna Medicare Signature
☆☆☆☆☆
 $0 $5,500 $700 H2663-041-0
Aetna Medicare Value Plus
☆☆☆☆☆
 $0 $5,500 $400 H2663-057-0
What is the total number of HMO-POS plans in Phelps?

There are 11 HMO-POS plans in 2027, covering 1,342 enrollees.

How much do HMO-POS plans cost in Phelps?

The average HMO-POS premium in Phelps is $4.00 per month, with 9 plans offering $0 premiums.

What is the leading HMO-POS plan in Phelps?

AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) is the top HMO-POS in Phelps, with 443 enrollees.

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

2 HMO-POS plans in Phelps 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
2
Average Monthly Premium
$30.00/mo
Total PFFS Enrollment
17
$0 Premium PFFS Plans
1
Average MOOP
$8,825
Top PFFS by Enrollment
Humana Gold Choice H8145-006 (PFFS) — 17 enrollees
PFFS Plans Without Drug Coverage
1

PFFS Medicare Advantage plan comparison – Phelps County, Missouri, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Choice H8145-006
☆☆☆☆☆
 $60 $7,800 $700 H8145-006-0
Humana Gold Choice H8145-126
☆☆☆☆☆
 $0 $9,850 N/A H8145-126-0

What is the average monthly premium for PFFS plans?

PFFS plans in Phelps cost $30.00 per month on average.

Which PFFS plan is most popular in Phelps?

The most popular PFFS plan in Phelps is Humana Gold Choice H8145-006 (PFFS), with 17 enrollees.

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

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

The table below shows CMS star ratings for Medicare Advantage plans in Phelps County, MO for 2027.

CMS Star Ratings for Medicare Advantage Plans in Phelps County, MO (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 15 50%
3 Stars 15 50%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.75

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

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Phelps County, Missouri, including communities such as Rolla, Edgar Springs, Newburg, Saint James, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

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 .

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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .