- Entity
- county:missouri-saint-charles-29183
- Digest
- 2026-county-ma-aggregate
- Population Scope
- Standard Medicare Advantage plans only; Special Needs Plans (SNPs) excluded
- Source URL
- https://www.medicareplans.com/medicare-advantage/missouri/saint-charles/
- Glossary Scope
- cms_landscape
- Fragment Scope
- semantic-digest
- Method
- https://webmem.com/protocol/serialization/html/
- fragment-county-plan-index
- Total Standard Medicare Advantage Plans
- 46
- PPO Plans
- 21
- HMO Plans
- 11
- HMO-POS Plans
- 12
- PFFS Plans
- 2
- Average Monthly Premium
- 16.37
- Average MOOP
- 4930.46
- Average Part D Deductible
- 484.21
- $0 Premium Plans
- 36
- Plans Without Part D Coverage
- 8
- Average CMS Star Rating
- 3.65
- $0 Premium Plan Share
- 78.26
- 5-Star Plan Share
- 0
- 4+ Star Plan Share
- 43
- 3-Star Plan Share
- 52
- Below 3-Star Plan Share
- 5
- Not-Rated Plan Share
- 4
- PPO Average Monthly Premium
- 27.9
- PPO Average MOOP
- 5411.95
- PPO Enrollment
- 7325
- PPO $0 Premium Plans
- 15
- PPO Plans Without Part D Coverage
- 5
- HMO Average Monthly Premium
- 5.36
- HMO Average MOOP
- 3922.73
- HMO Enrollment
- 9957
- HMO $0 Premium Plans
- 10
- HMO Plans Without Part D Coverage
- 0
- HMO-POS Average Monthly Premium
- 5.91
- HMO-POS Average MOOP
- 4708.33
- HMO-POS Enrollment
- 23330
- HMO-POS $0 Premium Plans
- 10
- HMO-POS Plans Without Part D Coverage
- 2
- PFFS Average Monthly Premium
- 18.5
- PFFS Average MOOP
- 6750
- PFFS Enrollment
- 16
- PFFS $0 Premium Plans
- 1
- PFFS Plans Without Part D Coverage
- 1
- Entity
- county:missouri-saint-charles-29183
- Digest
- 2026-county-ma-aggregate
- Population Scope
- Standard Medicare Advantage plans only; Special Needs Plans (SNPs) excluded
- Source URL
- https://www.medicareplans.com/medicare-advantage/missouri/saint-charles/
- Glossary Scope
- cms_landscape
- Fragment Scope
- semantic-digest
- Method
- https://webmem.com/protocol/serialization/html/
- fragment-missouri-saint-charles-29183-landscape-stats
- Plans Indexed
- 46
- Standard Medicare Advantage Plans
-
-
Essence Advantage
H2610-005-0 -
Essence Advantage Plus
H2610-006-0 -
Essence Advantage Select
H2610-016-0 -
Humana Full Access H7617-008
H7617-008-0 -
Humana USAA Honor Giveback
H7617-012-0 -
Humana Value Choice H7617-023
H7617-023-0 -
AARP Medicare Advantage CareFlex from UHC ST-6
H2802-073-0 -
AARP Medicare Advantage Essentials from UHC ST-3
H2802-028-0 -
AARP Medicare Advantage Extras from UHC ST-4
H2802-052-0 -
AARP Medicare Advantage from UHC ST-0001
H2406-043-0 -
AARP Medicare Advantage from UHC ST-1P
H2802-071-0 -
AARP Medicare Advantage from UHC ST-2
H2406-069-0 -
AARP Medicare Advantage Patriot No Rx MO-MA01
H2802-050-0 -
Aetna Medicare Eagle
H2663-069-0 -
Aetna Medicare Enhanced Extra
H2663-006-0 -
Aetna Medicare Signature
H2663-005-0 -
Aetna Medicare Value Plus
H2663-057-0 -
Humana Essentials Plus Giveback H4461-045
H4461-045-0 -
Humana Total Complete H4461-046
H4461-046-0 -
Aetna Medicare Elite
H1608-050-0 -
Aetna Medicare Enhanced
H1608-013-0 -
Aetna Medicare Signature
H1608-067-0 -
Anthem Medicare Advantage
H3447-038-2 -
Anthem Veteran
H4909-021-0 -
HealthSpring Preferred
H0439-020-0 -
HealthSpring Preferred Savings
H0439-021-0 -
Humana Full Access H5216-407
H5216-407-0 -
Humana Gold Choice H8145-006
H8145-006-0 -
Humana Gold Choice H8145-126
H8145-126-0 -
Humana Gold Plus Giveback H0028-065
H0028-065-0 -
Humana Gold Plus H0028-014
H0028-014-0 -
Humana USAA Honor Giveback
H5216-278-1 -
Humana Value Choice H5216-318
H5216-318-1 -
HumanaChoice H5216-032
H5216-032-0 -
Essence Advantage Choice
H6200-001-0 -
Essence Advantage Premier Plus
H6200-008-0 -
HealthSpring True Choice Savings
H7849-077-0 -
UHC Medicare Advantage AM-0002
R3444-012-0 -
Wellcare Giveback
H1664-006-0 -
Wellcare Patriot Giveback Open
H7518-002-0 -
Wellcare Simple
H1664-001-0 -
Wellcare Simple Open
H7518-001-0 -
Humana USAA Honor Giveback
R1532-001-0 -
HumanaChoice R1532-002
R1532-002-0 -
DEVOTED CORE 001 MO
H2041-001-0 -
DEVOTED GIVEBACK 002 MO
H2041-002-0
-
Essence Advantage
- Total Standard Medicare Advantage Enrollment
- 40628
2026 Medicare Advantage Plans in Saint Charles County, MO
Last update: .
In Saint Charles County, MO, there are 46 Medicare Advantage plans available for 2026. Of these, 36 offer a $0 monthly premium, and about 43% 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 Saint Charles County, MO. Or explore all Medicare Options available in Saint Charles 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 Saint Charles?
Saint Charles County has 21 PPO plans for 2026, with 7,325 enrolled.
How much do PPO plans cost in Saint Charles?
The typical PPO premium in Saint Charles is $27.90, and 15 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
- 11
- Average Monthly Premium
- $5.36/mo
- Total HMO Enrollment
- 9,957
- $0 Premium HMO Plans
- 10
- Average MOOP
- $3,923
- Top HMO by Enrollment
- Essence Advantage Select (HMO) — 2,765 enrollees
- HMO Plans Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Essence Advantage | $0 | $3,400 | $0 | H2610-005-0 | |
| Essence Advantage Plus | $59 | $2,900 | $0 | H2610-006-0 | |
| Essence Advantage Select | $0 | $3,900 | $340 | H2610-016-0 | |
| 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 | |
| HealthSpring Preferred | $0 | $2,300 | $200 | H0439-020-0 | |
| HealthSpring Preferred Savings | $0 | $6,750 | $0 | H0439-021-0 | |
| 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 001 MO | $0 | $3,100 | $385 | H2041-001-0 | |
| DEVOTED GIVEBACK 002 MO | $0 | $7,000 | $605 | H2041-002-0 |
- What is the average monthly premium for HMO plans?
- HMO plans in Saint Charles cost $5.36 per month on average.
- Which HMO plan is most popular in Saint Charles?
- The most popular HMO plan in Saint Charles is Essence Advantage Select (HMO), with 2,765 enrollees.
- How many HMO plans in Saint Charles do not include drug coverage?
- There are 0 HMO plans in Saint Charles 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 12
- Average Monthly Premium $5.91/mo
- Total HMO-POS Enrollment 23,330
- $0 Premium HMO-POS Plans 10
- Average MOOP $4,708
- Top HMO-POS by Enrollment Aetna Medicare Signature (HMO-POS) — 7,658 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 CareFlex from UHC ST-6 | $0 | $6,700 | $600 | H2802-073-0 | |
| AARP Medicare Advantage Essentials from UHC ST-3 | $0 | $3,200 | $440 | H2802-028-0 | |
| AARP Medicare Advantage Extras from UHC ST-4 | $0 | $3,900 | $520 | H2802-052-0 | |
| AARP Medicare Advantage from UHC ST-1P | $0 | $2,900 | $355 | H2802-071-0 | |
| 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 | $3,400 | $615 | H2663-005-0 | |
| Aetna Medicare Value Plus | $31 | $4,200 | $615 | H2663-057-0 | |
| Anthem Medicare Advantage | $0 | $3,500 | $210 | H3447-038-2 | |
| Wellcare Giveback | $0 | $7,000 | $615 | H1664-006-0 | |
| Wellcare Simple | $0 | $6,000 | $615 | H1664-001-0 |
What is the total number of HMO-POS plans in Saint Charles?
There are 12 HMO-POS plans in 2026, covering 23,330 enrollees.
How much do HMO-POS plans cost in Saint Charles?
The average HMO-POS premium in Saint Charles is $5.91 per month, with 10 plans offering $0 premiums.
What is the leading HMO-POS plan in Saint Charles?
Aetna Medicare Signature (HMO-POS) is the top HMO-POS in Saint Charles, with 7,658 enrollees.
What is the number of HMO-POS plans without Part D coverage in Saint Charles?
2 HMO-POS plans in Saint Charles 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
- $18.50/mo
- Total PFFS Enrollment
- 16
- $0 Premium PFFS Plans
- 1
- Average MOOP
- $6,750
- Top PFFS by Enrollment
- Humana Gold Choice H8145-006 (PFFS) — 16 enrollees
- PFFS Plans Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Humana Gold Choice H8145-006 | $37 | $6,800 | $615 | H8145-006-0 | |
| 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 Saint Charles cost $18.50 per month on average.
Which PFFS plan is most popular in Saint Charles?
The most popular PFFS plan in Saint Charles is Humana Gold Choice H8145-006 (PFFS), with 16 enrollees.
How many PFFS plans in Saint Charles do not include drug coverage?
There are 1 PFFS plans in Saint Charles without prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Saint Charles 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) | 19 | 43% |
| 3 Stars | 23 | 52% |
| Below 3 Stars | 2 | 5% |
| Not Rated | 2 | 4% |
| Average Rating | 3.65 | |
* 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.