2026 Medicare Advantage Plans in Ray County, MO
Last update: . Enrollment data updated: May 2, 2026
In Ray County, MO, there are 33 Medicare Advantage plans available for 2026. Of these, 27 offer a $0 monthly premium, and about 39% 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 Ray County, MO. Or explore all Medicare Options available in Ray County, MO.
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.
What is the total number of PPO plans offered in Ray?
Ray County has 16 PPO plans for 2026, with 875 enrolled.
How much do PPO plans cost in Ray?
The typical PPO premium in Ray is $13.69, and 13 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
- $9.07/mo
- Total HMO Enrollment
- 62
- $0 Premium HMO Plans
- 4
- Average MOOP
- $5,550
- Top HMO by Enrollment
- Humana Gold Plus H0028-017 (HMO) — 34 enrollees
- HMO Plans Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS 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 average monthly premium for HMO plans?
- HMO plans in Ray cost $9.07 per month on average.
- Which HMO plan is most popular in Ray?
- The most popular HMO plan in Ray is Humana Gold Plus H0028-017 (HMO), with 34 enrollees.
- How many HMO plans in Ray do not include drug coverage?
- There are 0 HMO plans in Ray 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 11
- Average Monthly Premium $4.45/mo
- Total HMO-POS Enrollment 616
- $0 Premium HMO-POS Plans 10
- Average MOOP $4,764
- Top HMO-POS by Enrollment Humana Total Complete Giveback H4461-047 (HMO-POS) — 196 enrollees
- HMO-POS Plans Without Drug Coverage 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS 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 total number of HMO-POS plans in Ray?
There are 11 HMO-POS plans in 2026, covering 616 enrollees.
How much do HMO-POS plans cost in Ray?
The average HMO-POS premium in Ray is $4.45 per month, with 10 plans offering $0 premiums.
What is the leading HMO-POS plan in Ray?
Humana Total Complete Giveback H4461-047 (HMO-POS) is the top HMO-POS in Ray, with 196 enrollees.
What is the number of HMO-POS plans without Part D coverage in Ray?
2 HMO-POS plans in Ray do not include prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Ray County, MO for 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 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- 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
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
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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.