Medicare Plans

Open Medicare Plan Data.

2027 Medicare Advantage Plans in Saint Clair County, MO

Last update: .

In Saint Clair County, MO, there are 23 Medicare Advantage plans available for 2027. Of these, 17 offer a $0 monthly premium, and about 61% are rated 4 stars or higher based on CMS quality ratings.

At a Glance

Average Monthly Premium
$13.20/mo
Plans with $0 Premium
17
Average MOOP Limit
$6,135 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 61% · 3 Stars: 39% · Below 3: 0%
Average Part D Deductible
$627.76
Total MA/MAPD Enrollment
728
Plans with the Highest Enrollment
(as of November 10, 2026)
1. AARP Medicare Advantage from UHC MO-0009 (PPO) — 175 enrollees
2. Aetna Medicare Signature Classic (PPO) — 159 enrollees
3. HumanaChoice Giveback H7617-014 (PPO) — 74 enrollees

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. 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
10
Average Monthly Premium
$19.50/mo
Total PPO Enrollment
442
$0 Premium PPO Plans
8
Average MOOP
$6,100
Top PPO by Enrollment
AARP Medicare Advantage from UHC MO-0009 (PPO) — 175 enrollees
PPO Plans Without Drug Coverage
3

PPO Medicare Advantage plan comparison – Saint Clair 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
HumanaChoice Giveback H7617-014
☆☆☆☆☆
 $0 $5,500 $700 H7617-014-0
AARP Medicare Advantage from UHC MO-0009
☆☆☆☆☆
 $0 $7,150 $685 H8768-027-0
Aetna Medicare Signature
☆☆☆☆☆
 $0 $5,500 $700 H5521-744-0
Aetna Medicare Signature Classic
☆☆☆☆☆
 $0 $5,500 $700 H1608-018-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $4,700 N/A H5216-278-1
HumanaChoice Giveback H5216-404
☆☆☆☆☆
 $0 $5,500 $700 H5216-404-0
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
What is the total number of PPO plans offered in Saint Clair?

Saint Clair County has 10 PPO plans for 2027, with 442 enrolled.

How much do PPO plans cost in Saint Clair?

The typical PPO premium in Saint Clair is $19.50, and 8 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
4
Average Monthly Premium
$0.38/mo
Total HMO Enrollment
64
$0 Premium HMO Plans
3
Average MOOP
$5,138
Top HMO by Enrollment
Aetna Medicare Value Plus (HMO) — 40 enrollees
HMO Plans Without Drug Coverage
0

HMO Medicare Advantage plan comparison – Saint Clair County, Missouri, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
DEVOTED CORE 005 MO
☆☆☆☆☆
 $0 $2,900 $461 H2041-005-0
DEVOTED GIVEBACK 006 MO
☆☆☆☆☆
 $0 $7,150 $461 H2041-006-0
DEVOTED GIVEBACK EXTRAS 025 MO
☆☆☆☆☆
 $0 $5,000 $700 H2041-025-0
Aetna Medicare Value Plus
☆☆☆☆☆
 $2 $5,500 $400 H2663-064-0
What is the average monthly premium for HMO plans?
HMO plans in Saint Clair cost $0.38 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 40 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 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 – Saint Clair County, Missouri, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Plus H0028-016
☆☆☆☆☆
 $22 $7,550 $700 H0028-016-0
AARP Medicare Advantage Essentials from UHC MO-4
☆☆☆☆☆
 $0 $7,150 $685 H2802-030-0
AARP Medicare Advantage Extras from UHC MO-10
☆☆☆☆☆
 $0 $7,150 $685 H2802-072-0
AARP Medicare Advantage from UHC MO-0005
☆☆☆☆☆
 $25 $4,450 $595 H2802-031-0
AARP Medicare Advantage Patriot No Rx MO-MA01
☆☆☆☆☆
 $0 $5,900 N/A H2802-050-0
Aetna Medicare Eagle
☆☆☆☆☆
 $0 $5,500 N/A H2663-025-0
Aetna Medicare Signature Extra
☆☆☆☆☆
 $0 $4,200 $400 H2663-043-0
What is the total number of HMO-POS plans in Saint Clair?

There are 7 HMO-POS plans in 2027, covering 222 enrollees.

How much do HMO-POS plans cost in Saint Clair?

The average HMO-POS premium in Saint Clair is $6.71 per month, with 5 plans offering $0 premiums.

What is the leading HMO-POS plan in Saint Clair?

AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) is the top HMO-POS in Saint Clair, with 69 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
$30.00/mo
Total PFFS Enrollment
0
$0 Premium PFFS Plans
1
Average MOOP
$8,825
Top PFFS by Enrollment
— 0 enrollees
PFFS Plans Without Drug Coverage
1

PFFS Medicare Advantage plan comparison – Saint Clair 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 Saint Clair cost $30.00 per month on average.

Which PFFS plan is most popular in Saint Clair?

The most popular PFFS plan in Saint Clair is , with 0 enrollees.

How many PFFS plans in Saint Clair do not include drug coverage?

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 2027.

CMS Star Ratings for Medicare Advantage Plans in Saint Clair County, MO (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 14 61%
3 Stars 9 39%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.87

* 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 Saint Clair County, Missouri, including communities such as Appleton City, Lowry City, Osceola, 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 .

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 .