2026 Medicare Advantage Plans in Saint Louis City County, MO
Last update: . Enrollment data updated: May 2, 2026
Saint Louis City County, MO has 45 Medicare Advantage plans available in 2026. These include 35 plans with no monthly premium, and roughly 44% are rated at least 4 stars based on CMS data.
Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Saint Louis City County, MO. Or explore all Medicare Options available in Saint Louis City 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 21
- Average Monthly Premium $27.90/mo
- Total PPO Enrollment 2,831
- $0 Premium PPO Plans 15
- Average MOOP $5,412
- Top PPO by Enrollment Essence Advantage Choice (PPO) — 569 enrollees
- PPO Plans Without Drug Coverage 5
What is the most popular PPO plan in Saint Louis City?
Essence Advantage Choice (PPO) is the top PPO in Saint Louis City, with 569 enrollees.
What is the number of PPO plans without Part D coverage in Saint Louis City?
There are 5 PPO plans in Saint Louis City 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
- 11
- Average Monthly Premium
- $5.36/mo
- Total HMO Enrollment
- 6,079
- $0 Premium HMO Plans
- 10
- Average MOOP
- $3,923
- Top HMO by Enrollment
- Essence Advantage (HMO) — 1,899 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 typical premium for HMO plans in Saint Louis City?
HMO plans in Saint Louis City cost $5.36 per month on average.
Which HMO plan do most beneficiaries choose in Saint Louis City?
The most popular HMO plan in Saint Louis City is Essence Advantage (HMO), with 1,899 enrollees.
How many HMO options are offered without prescription drug coverage in Saint Louis City?
There are 0 HMO plans in Saint Louis City 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 9,328
- $0 Premium HMO-POS Plans 10
- Average MOOP $4,708
- Top HMO-POS by Enrollment AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) — 2,605 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 Louis City?
In 2026, Saint Louis City has 12 HMO-POS plans with 9,328 enrollees.
How much do HMO-POS plans cost in Saint Louis City?
The typical HMO-POS premium in Saint Louis City is $5.91, and 10 plans have no monthly premium.
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
- 1
- Average Monthly Premium
- $37.00/mo
- Total PFFS Enrollment
- 0
- $0 Premium PFFS Plans
- 0
- Average MOOP
- $6,800
- Top PFFS by Enrollment
- — 0 enrollees
- PFFS Plans Without Drug Coverage
- 0
| 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 |
- What is the average monthly premium for PFFS plans?
- PFFS plans in Saint Louis City cost $37.00 per month on average.
- Which PFFS plan is most popular in Saint Louis City?
- The most popular PFFS plan in Saint Louis City is , with 0 enrollees.
- How many PFFS plans in Saint Louis City do not include drug coverage?
- There are 0 PFFS plans in Saint Louis City without prescription drug coverage.
Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Saint Louis City 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 | 44% |
| 3 Stars | 22 | 51% |
| 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 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 .
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — 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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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .
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