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  1. 🏠
  2. Medicare Advantage Plans
  3. Missouri
  4. Washington County

2027 Medicare Advantage Plans in Washington County, MO

Last update: October 5, 2026.

For 2027, Washington County, MO includes 45 Medicare Advantage plans. Enrollment across these plans totals approximately 2,226, with 34 $0 premium options and 58% rated 4 stars or higher.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans
  • PFFS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

  • Average Monthly Premium: $18.67/mo
  • $0 Premium Plans: 34
  • Average MOOP: $5,557 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 58% · 3 Stars: 42% · Below 3: 0%
  • Average Part D Deductible: $620.16
  • Total MA/MAPD Enrollment: 2,226
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) — 452 enrollees
    2. AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) — 321 enrollees
    3. Humana Total Complete (HMO) — 254 enrollees

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Washington County, MO are summarized separately. Visit Medicare Options in Washington County, MO to see more options. For a broader perspective, explore Missouri Medicare Advantage plans, including statewide premiums, out-of-pocket costs, CMS ratings, and enrollment comparisons.

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
$33.48/mo
Total PPO Enrollment
281
$0 Premium PPO Plans
13
Average MOOP
$6,155
Top PPO by Enrollment
Humana Value Choice (PPO) — 97 enrollees
PPO Plans Without Drug Coverage
5

2027 PPO Medicare Advantage plans in Washington County, Missouri (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Humana Full Access
☆☆☆☆☆
$0 $6,600 $500 H7617-008-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H7617-012-0
Humana Value Choice
☆☆☆☆☆
$0 $4,400 $700 H7617-023-0
AARP Medicare Advantage from UHC ST-0001
☆☆☆☆☆
$58 $7,150 $685 H2406-043-0
Aetna Medicare Elite
☆☆☆☆☆
$0 $4,900 $700 H5521-750-0
Aetna Medicare Elite Classic
☆☆☆☆☆
$0 $5,900 $700 H1608-050-0
Aetna Medicare Elite Classic Extra
☆☆☆☆☆
$0 $4,900 $700 H1608-067-0
Aetna Medicare Enhanced
☆☆☆☆☆
$70 $7,500 $700 H5521-748-0
Aetna Medicare Enhanced Classic
☆☆☆☆☆
$70 $7,500 $700 H1608-013-0
Essence Advantage Choice
☆☆☆☆☆
$40 $9,850 $700 H6200-001-0
Essence Advantage Premier Plus
☆☆☆☆☆
$264 $2,900 $700 H6200-008-0
Humana Full Access
☆☆☆☆☆
$0 $6,350 $500 H5216-407-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H5216-278-1
Humana Value Choice
☆☆☆☆☆
$0 $4,450 $700 H5216-318-1
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
Anthem Veteran
☆☆☆☆☆
$0 $6,751 N/A H4909-021-0
HealthSpring True Choice
☆☆☆☆☆
$6 $7,150 $700 H7849-156-0
Wellcare Patriot Giveback Open
☆☆☆☆☆
$0 $4,000 N/A H7518-002-0
Wellcare Simple Open
☆☆☆☆☆
$0 $7,100 $700 H7518-001-0
What is the average monthly premium for PPO plans in Washington?
PPO plans in Washington cost $33.48 per month on average.
Which PPO plan has the highest enrollment in Washington?
The most popular PPO plan in Washington is Humana Value Choice (PPO), with 97 enrollees.
How many PPO plans in Washington do not include prescription drug coverage?
5 PPO plans in Washington do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans are built around a defined network of doctors and hospitals. Care is generally covered only within the network, except in emergencies, but this structure often results in lower premiums and out-of-pocket costs.

Total HMO Plans
12
Average Monthly Premium
$4.92/mo
Total HMO Enrollment
733
$0 Premium HMO Plans
11
Average MOOP
$4,296
Top HMO by Enrollment
Humana Total Complete (HMO) — 254 enrollees
HMO Plans Without Drug Coverage
0

2027 HMO Medicare Advantage plans in Washington County, Missouri (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $4,200 $700 H4461-045-0
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $4,200 $700 H0028-065-0
Humana Total Complete
☆☆☆☆☆
$0 $2,850 $700 H4461-046-0
Humana Total Complete
☆☆☆☆☆
$0 $2,850 $700 H0028-014-0
DEVOTED CORE 001 MO
☆☆☆☆☆
$0 $3,100 $650 H2041-001-0
DEVOTED GIVEBACK 002 MO
☆☆☆☆☆
$0 $7,150 $461 H2041-002-0
DEVOTED GIVEBACK EXTRAS 028 MO
☆☆☆☆☆
$0 $5,100 $700 H2041-028-0
Essence Advantage
☆☆☆☆☆
$0 $3,400 $0 H2610-005-0
Essence Advantage Plus
☆☆☆☆☆
$59 $2,900 $450 H2610-006-0
Essence Advantage Select
☆☆☆☆☆
$0 $4,450 $450 H2610-016-0
HealthSpring Preferred
☆☆☆☆☆
$0 $4,200 $500 H0439-020-0
HealthSpring Preferred Savings
☆☆☆☆☆
$0 $7,150 $700 H0439-021-0
What is the total number of HMO plans offered in Washington?

There are 12 HMO plans in 2027, covering 733 enrollees.

How much do HMO plans cost in Washington?

The average HMO premium in Washington is $4.92 per month, with 11 plans offering $0 premiums.

What is the top HMO by enrollment in Washington?

Humana Total Complete (HMO) is the top HMO in Washington, with 254 enrollees.

What is the number of HMO plans without Part D coverage in Washington?

0 HMO plans in Washington do not include prescription drug coverage.

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
11
Average Monthly Premium
$7.09/mo
Total HMO-POS Enrollment
1,212
$0 Premium HMO-POS Plans
9
Average MOOP
$5,400
Top HMO-POS by Enrollment
AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) — 452 enrollees
HMO-POS Plans Without Drug Coverage
2

2027 HMO-POS Medicare Advantage plans in Washington County, Missouri (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
AARP Medicare Advantage CareFlex from UHC ST-6
☆☆☆☆☆
$0 $7,150 $685 H2802-073-0
AARP Medicare Advantage Essentials from UHC ST-3
☆☆☆☆☆
$0 $4,450 $685 H2802-028-0
AARP Medicare Advantage Extras from UHC ST-4
☆☆☆☆☆
$19 $4,450 $685 H2802-052-0
AARP Medicare Advantage from UHC ST-1P
☆☆☆☆☆
$0 $4,100 $685 H2802-071-0
AARP Medicare Advantage Patriot No Rx MO-MA01
☆☆☆☆☆
$0 $5,900 N/A H2802-050-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $4,900 N/A H2663-069-0
Aetna Medicare Enhanced Extra
☆☆☆☆☆
$59 $5,900 $700 H2663-006-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,500 $700 H2663-041-0
Aetna Medicare Value Plus
☆☆☆☆☆
$0 $5,500 $400 H2663-057-0
Anthem Medicare Advantage
☆☆☆☆☆
$0 $4,450 $210 H3447-038-2
Wellcare Simple
☆☆☆☆☆
$0 $7,100 $700 H1664-001-0

What is the average monthly premium for HMO-POS plans?

HMO-POS plans in Washington cost $7.09 per month on average.

Which HMO-POS plan is most popular in Washington?

The most popular HMO-POS plan in Washington is AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS), with 452 enrollees.

How many HMO-POS plans in Washington do not include drug coverage?

There are 2 HMO-POS plans in Washington 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 1
  • Average Monthly Premium $0.00/mo
  • Total PFFS Enrollment 0
  • $0 Premium PFFS Plans 1
  • Average MOOP $9,850
  • Top PFFS by Enrollment — 0 enrollees
  • PFFS Plans Without Drug Coverage 1

2027 PFFS Medicare Advantage plans in Washington County, Missouri (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Humana Gold Choice H8145-126
☆☆☆☆☆
$0 $9,850 N/A H8145-126-0
What is the top PFFS plan in Washington?

is the top PFFS in Washington, with 0 enrollees.

What is the number of PFFS plans without Part D coverage in Washington?

1 PFFS plans in Washington do not include prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Washington County, MO (2027) are summarized below.

Medicare Advantage Plan Ratings in Washington County, MO (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 26 58%
3 Stars 19 42%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.78

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Washington County, Missouri, including communities such as Cadet, Irondale, Mineral Point, Potosi, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-09

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, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
  • NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025

MedicarePlans.com is an independent informational resource and has no affiliation with, or endorsement from, the U.S. Government or the federal Medicare program.

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.

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