2026 Medicare Advantage Plans in Saint Clair County, MO
Last update: . Enrollment data updated: May 2, 2026
In Saint Clair County, MO, there are 26 Medicare Advantage plans available for 2026. Of these, 19 offer a $0 monthly premium, and about 46% 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 Clair County, MO. Or explore all Medicare Options available in Saint Clair County, MO.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.
- Total PPO Plans 12
- Average Monthly Premium $18.25/mo
- Total PPO Enrollment 574
- $0 Premium PPO Plans 9
- Average MOOP $5,771
- Top PPO by Enrollment AARP Medicare Advantage from UHC MO-0009 (PPO) — 182 enrollees
- PPO Plans Without Drug Coverage 3
| 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 H7617-023 | $0 | $3,500 | $615 | H7617-023-0 | |
| HumanaChoice Giveback H7617-014 | $0 | $5,500 | $615 | H7617-014-0 | |
| AARP Medicare Advantage from UHC MO-0009 | $0 | $4,900 | $600 | H8768-027-0 | |
| Aetna Medicare Signature | $0 | $5,500 | $615 | H1608-018-0 | |
| Humana USAA Honor Giveback | $0 | $4,700 | N/A | H5216-278-1 | |
| Humana Value Choice H5216-318 | $0 | $3,500 | $615 | H5216-318-1 | |
| HumanaChoice Giveback H5216-404 | $0 | $5,500 | $615 | H5216-404-0 | |
| HumanaChoice H5216-032 | $63 | $9,250 | $615 | H5216-032-0 | |
| 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 Saint Clair?
There are 12 PPO plans in 2026, covering 574 beneficiaries.
How much do PPO plans cost in Saint Clair?
The average PPO premium in Saint Clair is $18.25 per month, with 9 plans offering $0 premiums.
What is the most popular PPO plan in Saint Clair?
AARP Medicare Advantage from UHC MO-0009 (PPO) is the top PPO in Saint Clair, with 182 enrollees.
What is the number of PPO plans without Part D coverage in Saint Clair?
There are 3 PPO plans in Saint Clair without prescription drug coverage.
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
- 3
- Average Monthly Premium
- $9.40/mo
- Total HMO Enrollment
- 58
- $0 Premium HMO Plans
- 2
- Average MOOP
- $5,133
- Top HMO by Enrollment
- Aetna Medicare Value Plus (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 | $28 | $5,500 | $615 | H2663-064-0 | |
| DEVOTED CORE 005 MO | $0 | $2,900 | $330 | H2041-005-0 | |
| DEVOTED GIVEBACK 006 MO | $0 | $7,000 | $605 | H2041-006-0 |
What is the average monthly premium for HMO plans?
HMO plans in Saint Clair cost $9.40 per month on average.
Which HMO plan is most popular in Saint Clair?
The most popular HMO plan in Saint Clair is Aetna Medicare Value Plus (HMO), with 34 enrollees.
How many HMO plans in Saint Clair do not include drug coverage?
There are 0 HMO plans in Saint Clair without prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans combine HMO network rules with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC MO-4 | $0 | $3,200 | $440 | H2802-030-0 | |
| AARP Medicare Advantage Extras from UHC MO-10 | $0 | $4,900 | $520 | H2802-072-0 | |
| AARP Medicare Advantage from UHC MO-0005 | $27 | $3,200 | $440 | H2802-031-0 | |
| AARP Medicare Advantage Patriot No Rx MO-MA01 | $0 | $4,900 | N/A | H2802-050-0 | |
| Aetna Medicare Eagle | $0 | $5,500 | N/A | H2663-025-0 | |
| Aetna Medicare Signature | $0 | $4,200 | $615 | H2663-063-0 | |
| Aetna Medicare Signature Extra | $0 | $4,200 | $615 | H2663-043-0 | |
| Humana Gold Plus H0028-016 | $18 | $7,550 | $615 | H0028-016-0 | |
| Humana Gold Plus H4623-001 | $0 | $3,125 | $400 | H4623-001-0 |
What is the leading HMO-POS plan in Saint Clair?
Humana Gold Plus H4623-001 (HMO-POS) is the top HMO-POS in Saint Clair, with 61 enrollees.
What is the number of HMO-POS plans without Part D coverage in Saint Clair?
2 HMO-POS plans in Saint Clair 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
- 0
- $0 Premium PFFS Plans
- 1
- Average MOOP
- $6,750
- Top PFFS by Enrollment
- — 0 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 typical premium for PFFS plans in Saint Clair?
PFFS plans in Saint Clair cost $18.50 per month on average.
Which PFFS plan has the most enrollment in Saint Clair?
The most popular PFFS plan in Saint Clair is , with 0 enrollees.
How many PFFS options are available without prescription drug coverage in Saint Clair?
There are 1 PFFS plans in Saint Clair without prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Saint Clair 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) | 11 | 46% |
| 3 Stars | 11 | 46% |
| Below 3 Stars | 2 | 8% |
| Not Rated | 2 | 8% |
| Average Rating | 3.69 | |
* 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
County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.
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
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
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