2026 Medicare Advantage Plans in Saint Francois County, MO
Last update: . Enrollment data updated: June 13, 2026
In Saint Francois County, MO, there are 28 Medicare Advantage plans available for 2026. Of these, 21 offer a $0 monthly premium, and about 57% 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 Francois County, MO. Or explore all Medicare Options available in Saint Francois 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.
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Humana Full Access H7617-008 | $0 | $5,000 | $400 | H7617-008-0 | |
| Humana USAA Honor Giveback | $0 | $4,700 | N/A | H7617-012-0 | |
| Humana Value Choice H7617-023 | $0 | $3,500 | $615 | H7617-023-0 | |
| AARP Medicare Advantage from UHC ST-0001 | $53 | $4,500 | $520 | H2406-043-0 | |
| AARP Medicare Advantage from UHC ST-2 | $0 | $6,700 | $600 | H2406-069-0 | |
| Aetna Medicare Elite | $0 | $4,500 | $615 | H1608-050-0 | |
| Aetna Medicare Enhanced | $60 | $7,500 | $615 | H1608-013-0 | |
| Aetna Medicare Signature | $0 | $4,200 | $615 | H1608-067-0 | |
| Humana Full Access H5216-407 | $0 | $5,000 | $400 | H5216-407-0 | |
| 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 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 Francois?
Saint Francois County has 15 PPO plans for 2026, with 1,005 enrolled.
How much do PPO plans cost in Saint Francois?
The typical PPO premium in Saint Francois is $22.13, and 10 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
- $0.00/mo
- Total HMO Enrollment
- 2,137
- $0 Premium HMO Plans
- 4
- Average MOOP
- $3,450
- Top HMO by Enrollment
- Humana Gold Plus H0028-014 (HMO) — 1,229 enrollees
- HMO Plans Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| 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 | |
| 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 |
- What is the average monthly premium for HMO plans?
- HMO plans in Saint Francois cost $0.00 per month on average.
- Which HMO plan is most popular in Saint Francois?
- The most popular HMO plan in Saint Francois is Humana Gold Plus H0028-014 (HMO), with 1,229 enrollees.
- How many HMO plans in Saint Francois do not include drug coverage?
- There are 0 HMO plans in Saint Francois 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 9
- Average Monthly Premium $7.88/mo
- Total HMO-POS Enrollment 2,434
- $0 Premium HMO-POS Plans 7
- Average MOOP $4,533
- Top HMO-POS by Enrollment AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) — 965 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 | $4,200 | $615 | H2663-041-0 | |
| Aetna Medicare Value Plus | $31 | $4,200 | $615 | H2663-057-0 |
What is the total number of HMO-POS plans in Saint Francois?
There are 9 HMO-POS plans in 2026, covering 2,434 enrollees.
How much do HMO-POS plans cost in Saint Francois?
The average HMO-POS premium in Saint Francois is $7.88 per month, with 7 plans offering $0 premiums.
What is the leading HMO-POS plan in Saint Francois?
AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) is the top HMO-POS in Saint Francois, with 965 enrollees.
What is the number of HMO-POS plans without Part D coverage in Saint Francois?
2 HMO-POS plans in Saint Francois do not include prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Saint Francois 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) | 16 | 57% |
| 3 Stars | 10 | 36% |
| Below 3 Stars | 2 | 7% |
| Not Rated | 0 | 0% |
| Average Rating | 3.75 | |
* 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 June 13, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 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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