2026 Medicare Advantage Plans in Saint Louis County, MO
Last update: . Enrollment data updated: June 13, 2026
For 2026, Saint Louis County, MO includes 46 Medicare Advantage plans. Enrollment across these plans totals approximately 94,953, with 36 $0 premium options and 43% rated 4 stars or higher.
Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Saint Louis County, MO are provided separately. Or you can discover all Medicare Options in Saint Louis County, MO.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.
- Total PPO Plans
- 21
- Average Monthly Premium
- $27.90/mo
- Total PPO Enrollment
- 17,581
- $0 Premium PPO Plans
- 15
- Average MOOP
- $5,412
- Top PPO by Enrollment
- AARP Medicare Advantage from UHC ST-0001 (PPO) — 3,922 enrollees
- PPO Plans Without Drug Coverage
- 5
What is the typical premium for PPO plans available in Saint Louis?
PPO plans in Saint Louis cost $27.90 per month on average.
Which PPO plan do most beneficiaries choose in Saint Louis?
The most popular PPO plan in Saint Louis is AARP Medicare Advantage from UHC ST-0001 (PPO), with 3,922 enrollees.
How many PPO options are offered without drug coverage in Saint Louis?
5 PPO plans in Saint Louis do not include prescription drug coverage.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.
- Total HMO Plans 11
- Average Monthly Premium $5.36/mo
- Total HMO Enrollment 28,063
- $0 Premium HMO Plans 10
- Average MOOP $3,923
- Top HMO by Enrollment Essence Advantage Select (HMO) — 8,952 enrollees
- HMO Plans Without Drug Coverage 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | 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 total number of HMO plans offered in Saint Louis?
In 2026, Saint Louis County has 11 HMO plans with 28,063 enrollees.
How much do HMO plans cost in Saint Louis?
The typical HMO premium in Saint Louis is $5.36, and 10 plans have no monthly premium.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.
- Total HMO-POS Plans
- 12
- Average Monthly Premium
- $5.91/mo
- Total HMO-POS Enrollment
- 49,264
- $0 Premium HMO-POS Plans
- 10
- Average MOOP
- $4,708
- Top HMO-POS by Enrollment
- Aetna Medicare Signature (HMO-POS) — 15,379 enrollees
- HMO-POS Plans Without Drug Coverage
- 2
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | 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 average monthly premium for HMO-POS plans?
- HMO-POS plans in Saint Louis cost $5.91 per month on average.
- Which HMO-POS plan is most popular in Saint Louis?
- The most popular HMO-POS plan in Saint Louis is Aetna Medicare Signature (HMO-POS), with 15,379 enrollees.
- How many HMO-POS plans in Saint Louis do not include drug coverage?
- There are 2 HMO-POS plans in Saint Louis without prescription drug coverage.
Medicare Advantage PFFS Plans
Private Fee-for-Service (PFFS) plans allow members to visit any Medicare-approved provider that accepts the plan’s payment terms. This provides flexibility in choosing doctors and hospitals, but provider acceptance should be confirmed before receiving care.
- Total PFFS Plans 2
- Average Monthly Premium $18.50/mo
- Total PFFS Enrollment 45
- $0 Premium PFFS Plans 1
- Average MOOP $6,750
- Top PFFS by Enrollment Humana Gold Choice H8145-006 (PFFS) — 45 enrollees
- PFFS Plans Without Drug Coverage 1
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | 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 total number of PFFS plans in Saint Louis?
There are 2 PFFS plans in 2026, covering 45 enrollees.
How much do PFFS plans cost in Saint Louis?
The average PFFS premium in Saint Louis is $18.50 per month, with 1 plans offering $0 premiums.
What is the top PFFS plan in Saint Louis?
Humana Gold Choice H8145-006 (PFFS) is the top PFFS in Saint Louis, with 45 enrollees.
What is the number of PFFS plans without Part D coverage in Saint Louis?
1 PFFS plans in Saint Louis do not include prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Saint Louis County, MO (2026) are summarized below.
| 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 | |
* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.
- 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
All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.
Data sources and methodology documentation .
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
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Data provenance is documented in accordance 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.