• Skip to main content
  • Skip to secondary menu
  • Skip to footer
Medicare Plans

Medicare Plans

We are Medicare Plans

  • Medicare Options
  • Costs
  • Answers
    • Eligibility
    • Options
    • Enrollment
    • Costs
    • Coverage
  • Medicare Advantage
  • Special Needs
  • Medicare Supplement
  • Prescription Drugs
  1. 🏠
  2. Medicare Advantage Plans
  3. Missouri
  4. Ray County

2026 Medicare Advantage Plans in Ray County, MO

Last update: September 2, 2026.

For 2026, Ray County, MO includes 33 Medicare Advantage plans. Enrollment across these plans totals approximately 1,541, with 27 $0 premium options and 39% rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Ray County, MO are summarized separately. Visit Medicare Options in Ray County, MO to see more options.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

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

  • Average Monthly Premium: $9.77/mo
  • $0 Premium Plans: 27
  • Average MOOP: $5,398 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 39% · 3 Stars: 55% · Below 3: 6%
  • Average Part D Deductible: $523.27
  • Total MA/MAPD Enrollment: 1,541
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. Humana Value Choice H7617-010 (PPO) — 231 enrollees
    2. AARP Medicare Advantage Essentials from UHC KC-4 (PPO) — 219 enrollees
    3. Humana Total Complete Giveback H4461-047 (HMO-POS) — 200 enrollees

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
$13.69/mo
Total PPO Enrollment
844
$0 Premium PPO Plans
13
Average MOOP
$5,777
Top PPO by Enrollment
Humana Value Choice H7617-010 (PPO) — 231 enrollees
PPO Plans Without Drug Coverage
5

2026 PPO Medicare Advantage plans in Ray County, Missouri (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Essentials Plus Giveback H7617-017
☆☆☆☆☆
$0 $5,000 $615 H7617-017-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H7617-012-0
Humana Value Choice H7617-010
☆☆☆☆☆
$0 $3,400 $615 H7617-010-0
AARP Medicare Advantage Essentials from UHC KC-4
☆☆☆☆☆
$0 $4,900 $600 H8768-023-0
AARP Medicare Advantage Patriot No Rx KS-MA01
☆☆☆☆☆
$0 $6,700 N/A H8768-025-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H1608-016-0
Humana Essentials Plus Giveback H5216-405
☆☆☆☆☆
$0 $5,000 $615 H5216-405-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H5216-278-1
Humana Value Choice H5216-318
☆☆☆☆☆
$0 $3,400 $615 H5216-318-2
HumanaChoice H5216-032
☆☆☆☆☆
$63 $9,250 $615 H5216-032-0
HealthSpring True Choice
☆☆☆☆☆
$0 $6,425 $200 H7849-024-0
UHC Medicare Advantage AM-0002
☆☆☆☆☆
$106 $9,250 $600 R3444-012-0
Wellcare Patriot Giveback Open
☆☆☆☆☆
$0 $4,000 N/A H7518-002-0
Wellcare Simple Open
☆☆☆☆☆
$0 $6,000 $615 H7518-001-0
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 average monthly premium for PPO plans in Ray?

PPO plans in Ray cost $13.69 per month on average.

Which PPO plan has the highest enrollment in Ray?

The most popular PPO plan in Ray is Humana Value Choice H7617-010 (PPO), with 231 enrollees.

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

5 PPO plans in Ray 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 60
  • $0 Premium HMO Plans 4
  • Average MOOP $5,550
  • Top HMO by Enrollment Humana Gold Plus H0028-017 (HMO) — 30 enrollees
  • HMO Plans Without Drug Coverage 0

2026 HMO Medicare Advantage plans in Ray County, Missouri (comparison chart)
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 top HMO by enrollment in Ray?

Humana Gold Plus H0028-017 (HMO) is the top HMO in Ray, with 30 enrollees.

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

0 HMO plans in Ray 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
$4.45/mo
Total HMO-POS Enrollment
637
$0 Premium HMO-POS Plans
10
Average MOOP
$4,764
Top HMO-POS by Enrollment
Humana Total Complete Giveback H4461-047 (HMO-POS) — 200 enrollees
HMO-POS Plans Without Drug Coverage
2

2026 HMO-POS Medicare Advantage plans in Ray County, Missouri (comparison chart)
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 typical premium for HMO-POS plans in Ray?

HMO-POS plans in Ray cost $4.45 per month on average.

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

The most popular HMO-POS plan in Ray is Humana Total Complete Giveback H4461-047 (HMO-POS), with 200 enrollees.

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

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

CMS quality ratings for Medicare Advantage plans in Ray County, MO (2026) are summarized below.

Medicare Advantage Plan Ratings in Ray 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 39%
3 Stars 17 55%
Below 3 Stars 2 6%
Not Rated 2 6%
Average Rating 3.56

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

  • 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

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, "Compare Original Medicare & Medicare Advantage" — 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.

Footer

About This Site

  • About MedicarePlans.com
  • How We Use CMS Data
  • How We Make Money
  • Editorial Policy
  • Why We Exist

Policies & Standards

    • Privacy Policy
    • Contact Us
    • Terms of Use
    • Medicare Publishing Excellence Standards
    • Medicare AI Visibility Study
    • 2027 Medicare Advantage Market Study

 

Trademark Notice

MedicarePlans.com uses U.S. trademarks, service marks, and registered trademarks solely for purposes of identification, description, and factual reference. All such use constitutes nominative fair use and does not imply affiliation, endorsement, or sponsorship by any trademark holder.

© 2026 MedicarePlans.com. All Rights Reserved
MedicarePlans.com is an independent, non-commercial Medicare data platform.
Editorial stewardship: David W. Bynon