Best Medicare Supplement Plans in Missouri 2026
We compared 25+ Medigap carriers in Missouri based on pricing, financial strength, complaint records, and more - including Missouri's Anniversary Rule that lets you switch carriers every year without underwriting.
Missouri Has the Anniversary Rule - Not the Birthday Rule
Key AdvantageMissouri's Anniversary Rule gives you a 60-day window (30 days before and 30 days after) your Medigap policy's annual enrollment anniversary date to switch to a different carrier - no health questions, no medical underwriting. Unlike California's birthday rule (which is tied to your birthday), Missouri's rule is tied to the date you first enrolled in your Medigap plan. You can switch to any carrier offering a plan with equal benefits (e.g., Plan G to Plan G at a lower premium). This makes Missouri one of the most consumer-friendly states for annual Medigap rate shopping.
More than 350,000 Missourians have Medicare Supplement Insurance, or Medigap. Medigap plans help cover certain out-of-pocket expenses like copays, coinsurance, and deductibles left over after Medicare pays for covered services. With over 1.3 million Medicare beneficiaries across the state, Missouri is a competitive Medigap market with more than 25 licensed carriers competing for your business.
Many companies offer Medigap plans in Missouri, but only a few earn top marks on our data-driven ratings. We compared companies based on prices, financial strength, complaint rates, plan availability, and customer service to find the best Medigap plans in Missouri for 2026.
Compare the Best Medicare Supplement Plans in Missouri
Our top-rated Medigap carriers in Missouri, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Kansas City, MO.
Mutual of Omaha
Plan G
$131/mo
Plan N
$96/mo
AM Best
A+
Complaints
Low
AARP / UnitedHealthcare
Plan G
$139/mo
Plan N
$103/mo
AM Best
A
Complaints
Low
Cigna / HealthSpring
Plan G
$108/mo
Plan N
$79/mo
AM Best
A
Complaints
High
State Farm
Plan G
$127/mo
Plan N
$94/mo
AM Best
A++
Complaints
Low
Wellabe (formerly CUNA Mutual)
Plan G
$119/mo
Plan N
$87/mo
AM Best
A-
Complaints
Average
Medicare Supplement Prices in Missouri
Sample monthly premiums from our top-scoring carriers. Rates shown are for a 65-year-old female nonsmoker in Kansas City, MO. Actual rates vary by ZIP code, age, gender, and tobacco use.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| Cigna / HealthSpring | $108 | $79 | $189 |
| Wellabe | $119 | $87 | N/A |
| State Farm | $127 | $94 | N/A |
| Mutual of Omaha | $131 | $96 | $218 |
| AARP / UnitedHealthcare | $139 | $103 | $224 |
Sample rates for Kansas City, MO. Premiums vary by ZIP code, age, gender, and tobacco use. Plan F only available to those who turned 65 before January 1, 2020.
Plan G vs. Plan N in Missouri
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Missouri. Here is how they compare for 2026.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($257) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (MO) | $108–$139 | $79–$103 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission. 2026 deductibles: Part A $1,736 | Part B $257.
Missouri's Anniversary Rule is your annual rate-shopping window. Mark your Medigap policy start date on your calendar. Each year, 30 days before and 30 days after that anniversary, you can switch to the same plan type at a lower-priced carrier - no health questions asked. Unlike California's birthday rule, the window is tied to when you enrolled, not when you were born. The catch: you can only switch to a plan with equal benefits (Plan G → Plan G). Use this window every year to make sure you're not overpaying.
Missouri Medigap Rules You Should Know
Anniversary Rule (Not Birthday Rule)
Missouri's annual switching window is tied to your Medigap policy anniversary date - not your birthday. You have 30 days before and 30 days after your policy anniversary to switch to an equal-benefit plan at a new carrier with no medical underwriting.
Attained-Age Rating
Most Missouri Medigap plans use attained-age rating, meaning premiums increase as you get older. Some carriers offer issue-age rating (locked at your age when you enrolled), which costs more upfront but may be cheaper long-term.
MDCI Regulation
The Missouri Department of Commerce and Insurance (MDCI) regulates all Medigap plans sold in Missouri. Carriers must file rates with MDCI and follow standardized plan benefits defined by federal law.
30-Day Free Look Period
Missouri law requires a 30-day free look period on all Medigap policies. If you're not satisfied, you can return the policy within 30 days for a full premium refund.
CLAIM - Free Counseling
Missouri's SHIP program, CLAIM (Community Leaders Assisting the Insured of Missouri), provides free, unbiased Medicare counseling. Call 1-800-390-3330 to speak with a trained volunteer counselor.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
AM Best rating reflects long-term claims-paying ability
Complaint Ratio
NAIC complaint index vs. national median for Medigap carriers
Premium Competitiveness
Plan G and Plan N rates vs. Missouri market median
Plan Availability
Range of plans offered (G, N, F, HDG) in Missouri
Customer Service
J.D. Power scores, agent availability, and digital tools
Last updated: February 2026 | Data sources: NAIC complaint index, AM Best financial strength ratings, carrier rate filings with MDCI
Frequently Asked Questions
Find the Best Medigap Rate in Your Area
Medigap premiums vary significantly by ZIP code in Missouri. Enter yours to see exact rates from all available carriers, compare plans side by side, and find the best value - especially before your Anniversary Rule window opens.