Summary: If you are someone who has Medicare in Missouri, or if you have a loved one who does, you may want to know what your options are.
You may have a few options for receiving your coverage through Medicare in Missouri depending on where you live.
You can stick with Original Medicare and add a stand-alone Part D prescription drug plan and a Medicare Supplement plan.
Or you can get an all-in-one Medicare Advantage plan.
Read on to learn about Original Medicare in Missouri and the other options you have.
Original Medicare in Missouri
Original Medicare has two parts: Part A and Part B. Part A provides coverage for
- inpatient hospital stays
- home health
- and hospice care,
Part B covers things like
- outpatient care
- doctor’s visits
- And durable medical equipment.
How do you enroll in Medicare in Missouri?
Some people get automatically enrolled in Medicare by the government when they turn 65.
People under the age of 65 may also automatically enrolled after getting SSA disability benefits or certain RRB disability benefits after 25 months.
People who aren’t automatically enrolled in Missouri can visit their local SSA office to register.
They can also do so over the phone:
- You can call Social Security at 1-800-772-1213. TTY users should call 1-800-325-0778. SSA representatives are available Monday through Friday, from 7AM to 7PM.
- If you worked for a railroad, call the RRB at 1-877-772-5772. TTY users can call 1-312-751-4701. RRB representatives are available Monday through Friday, from 9AM to 3:30PM.
Medicare in Missouri Plan Options
You may want to consider getting your coverage through a private insurance company instead of through the government.
Here are some of your options:
Medicare Part C: These plans are also called Medicare Advantage (MA) Plans. This is the program that provides another way to receive your Medicare coverage.
They must provide the same coverage as provided by Original Medicare (except for hospice care, which remains covered through Medicare Part A).
Many Medicare Advantage plans also provide extra benefits, such as routine vision, hearing, and dental care.
Medicare Advantage plans also sometimes include prescription drug coverage: these are known as Medicare Advantage Prescription Drug plans (MA-PDs). If you enroll in an MA-PD plan you will get s of your medical and prescription drug coverage in one plan.
Part D prescription drug coverage: If you want prescription drug coverage but don’t want a MA-PD plan, you can stick with Original Medicare and get a Part D plan.
Medicare Supplement (Medigap) insurance plan: If you decide to stay with Original Medicare (Part A and Part B), another option you may have is to sign up for a Medigap to help pay for Original Medicare’s out-of-pocket costs.
Different Medigap plans pay for different amounts of those costs, such as copayments, coinsurance, and deductibles.
Medicare in Missouri Resources
Medicare.gov offers a list of resources that can help educate you on health resources in Missouri. Medicare-specific resources are included below:
- State Health Insurance Assistance Program (SHIP): Toll-free number 1-800-390-3330. Local 1-573-817-8320. Representatives are available Monday through Friday, 9AM to 4PM CT. Website.
- National Institute on Aging Information Center: Toll-free number 1-800-222-2225. Representatives are available Monday through Friday, 8:30AM to 5:00PM ET.
Learn more about how Medicare plans work in Missouri including:
- Medicare Advantage plans in Missouri
- Medicare Supplement (Medigap) insurance plans in Missouri
- Medicare Part D plans in Missouri