Where to start
This page lists every Medicare plan sold in Cass County for 2026, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (23 plans)
- Part D drug plans (10 plans)
- Special needs plans (21 plans)
- Medicare Advantage without drug coverage (7 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to Cass County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in Cass County
At a glance
- 30 Medicare Advantage plans are open to anyone with Medicare here; 25 charge no monthly premium.
- 16 give back part of your Part B premium, up to $165 a month.
- The lowest yearly limit on what you pay for in-network care is $2,800.
- 10 Part D drug plans, from $9.60 to $126.40 a month.
Medicare Advantage plans with drug coverage 23
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| DEVOTED GIVEBACK 004 MO (HMO) Devoted Health · H2041-004-000 | HMO | $0/moGives back $164.70/mo of your Part B premium | $7,000 | Not yet rated |
| HealthSpring Preferred Savings (HMO) Cigna Healthcare · H9460-003-000 | HMO | $0/moGives back $108/mo of your Part B premium | $6,750 | 3.0★ |
| Humana Essentials Plus Giveback H5216-405 (PPO) Humana · H5216-405-000 | PPO | $0/moGives back $78/mo of your Part B premium | $5,000 | 3.5★ |
| Humana Essentials Plus Giveback H7617-017 (PPO) Humana · H7617-017-000 | PPO | $0/moGives back $78/mo of your Part B premium | $5,000 | 4.5★ |
| Humana Gold Plus Giveback H0028-066 (HMO-POS) Humana · H0028-066-000 | HMO-POS | $0/moGives back $58/mo of your Part B premium | $4,200 | 3.5★ |
| Humana Total Complete Giveback H4461-047 (HMO-POS) Humana · H4461-047-000 | HMO-POS | $0/moGives back $58/mo of your Part B premium | $4,200 | 4.0★ |
| Humana Gold Plus H0028-054 (HMO-POS) Humana · H0028-054-001 | HMO-POS | $0/moGives back $2/mo of your Part B premium | $2,800 | 3.5★ |
| Humana Value Choice H5216-318 (PPO) Humana · H5216-318-002 | PPO | $0/moGives back $1/mo of your Part B premium | $3,400 | 3.5★ |
| Humana Value Choice H7617-010 (PPO) Humana · H7617-010-000 | PPO | $0/moGives back $1/mo of your Part B premium | $3,400 | 4.5★ |
| Wellcare Simple (HMO-POS) Wellcare · H1664-001-000 | HMO-POS | $0/mo | $6,000 | 3.0★ |
| DEVOTED CORE 003 MO (HMO) Devoted Health · H2041-003-000 | HMO | $0/mo | $3,600 | Not yet rated |
| AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) UnitedHealthcare · H2802-032-000 | HMO-POS | $0/mo | $5,900 | 4.0★ |
| AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) UnitedHealthcare · H2802-076-000 | HMO-POS | $0/mo | $3,900 | 4.0★ |
| Wellcare Simple Open (PPO) Wellcare · H7518-001-000 | PPO | $0/mo | $6,000 | 3.0★ |
| HealthSpring True Choice (PPO) Cigna Healthcare · H7849-024-000 | PPO | $0/mo | $6,425 | 3.0★ |
| AARP Medicare Advantage Essentials from UHC KC-4 (PPO) UnitedHealthcare · H8768-023-000 | PPO | $0/mo | $4,900 | 3.5★ |
| AARP Medicare Advantage Extras from UHC KC-5 (PPO) UnitedHealthcare · H8768-039-000 | PPO | $0/mo | $6,700 | 3.5★ |
| HealthSpring Preferred (HMO) Cigna Healthcare · H9460-001-000 | HMO | $0/mo | $4,250 | 3.0★ |
| Aetna Medicare Value Plus (HMO) Aetna Medicare · H2663-052-000 | HMO | $36.40/mo | $4,900 | 4.0★ |
| AARP Medicare Advantage from UHC KC-0003 (HMO-POS) UnitedHealthcare · H2802-033-000 | HMO-POS | $49/mo | $3,800 | 4.0★ |
| HumanaChoice R1532-002 (Regional PPO) Humana · R1532-002-000 | Regional PPO | $50/mo | $7,450 | 2.5★ |
| HumanaChoice H5216-032 (PPO) Humana · H5216-032-000 | PPO | $63/mo | $9,250 | 3.5★ |
| UHC Medicare Advantage AM-0002 (Regional PPO) UnitedHealthcare · R3444-012-000 | Regional PPO | $106/mo | $9,250 | 3.0★ |
Part D drug plans 10
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout Missouri.
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| Wellcare Value Script (PDP) Wellcare · S4802-152-000 | $9.60/mo | $615 | 3.5★ |
| Wellcare Classic (PDP) Wellcare · S4802-072-000 | $10.70/mo | $615 | 3.5★ |
| Humana Basic Rx Plan (PDP) Humana · S5884-140-000 | $16.50/mo | $615 | 3★ |
| Humana Value Rx Plan (PDP) Humana · S5884-197-000 | $33.70/mo | $601 | 3★ |
| HealthSpring Extra Rx (PDP) Cigna Healthcare · S5617-368-000 | $70.70/mo | $615 | 2.5★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-363-000 | $71.90/mo | $615 | 2★ |
| HealthSpring Assurance Rx (PDP) Cigna Healthcare · S5617-088-000 | $74.30/mo | $615 | 2.5★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-036-000 | $94.90/mo | $615 | 3★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-399-000 | $125.40/mo | $130 | 2★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-164-000 | $126.40/mo | None | 3★ |
Special needs plans 21
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| UHC Complete Care MO-1 (PPO C-SNP) UnitedHealthcare · H2001-055-000 | PPO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $4,900 | 4.5★ |
| Humana Gold Plus SNP-DE H0028-015 (HMO-POS D-SNP) Humana · H0028-015-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $5.40/mo | $9,250 | 3.5★ |
| UHC Dual Complete MO-V001 (HMO-POS D-SNP) UnitedHealthcare · H0169-008-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $14.10/mo | $3,200 | 4.0★ |
| Humana Gold Plus SNP-DE H4461-044 (HMO-POS D-SNP) Humana · H4461-044-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $16.90/mo | $9,250 | 4.0★ |
| UHC Dual Complete MO-S001 (HMO-POS D-SNP) UnitedHealthcare · H0169-002-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $25.10/mo | $9,250 | 4.0★ |
| Aetna Medicare Full Dual Care (HMO D-SNP) Aetna Medicare · H5325-012-000 | HMO | Only for people who have Medicaid as well as Medicare | $26.70/mo | $9,250 | 3.5★ |
| Aetna Medicare Dual Care (HMO D-SNP) Aetna Medicare · H5325-003-000 | HMO | Only for people who have Medicaid as well as Medicare | $27.70/mo | $9,250 | 3.5★ |
| UHC Complete Care Support AM-1A (Regional PPO C-SNP) UnitedHealthcare · R3444-008-000 | Regional PPO | Only for people with certain chronic conditionsDiabetes, Heart | $30.10/moGives back $1.60/mo of your Part B premium | $9,250 | 3.0★ |
| Wellcare Dual Access (HMO-POS D-SNP) Wellcare · H1664-005-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $31.90/mo | $9,250 | 3.0★ |
| Wellcare Dual Reserve (HMO-POS D-SNP) Wellcare · H1664-012-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $32.60/mo | $3,600 | 3.0★ |
| DEVOTED DUAL PLUS 007 MO (HMO D-SNP) Devoted Health · H2041-007-000 | HMO | Only for people who have Medicaid as well as Medicare | $33.50/mo | $9,250 | Not yet rated |
| DEVOTED DUAL FULL 011 MO (HMO D-SNP) Devoted Health · H2041-011-000 | HMO | Only for people who have Medicaid as well as Medicare | $35.80/mo | $9,250 | Not yet rated |
| DEVOTED DUAL 008 MO (HMO D-SNP) Devoted Health · H2041-008-000 | HMO | Only for people who have Medicaid as well as Medicare | $37.10/mo | $3,600 | Not yet rated |
| Wellcare Dual Access Open (PPO D-SNP) Wellcare · H7518-003-000 | PPO | Only for people who have Medicaid as well as Medicare | $40/mo | $9,250 | 3.0★ |
| UHC Dual Complete MO-S3 (HMO-POS D-SNP) UnitedHealthcare · H0169-009-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $43/moGives back $1.20/mo of your Part B premium | $9,250 | 4.0★ |
| UHC Dual Complete MO-S002 (PPO D-SNP) UnitedHealthcare · H2001-040-000 | PPO | Only for people who have Medicaid as well as Medicare | $43/moGives back $1.20/mo of your Part B premium | $9,250 | 4.5★ |
| DEVOTED C-SNP PREMIUM 013 MO (HMO C-SNP) Devoted Health · H2041-013-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $43/mo | $4,200 | Not yet rated |
| DEVOTED C-SNP PLUS 016 MO (HMO C-SNP) Devoted Health · H2041-016-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $43/mo | $9,250 | Not yet rated |
| American Health Advantage of Missouri (HMO I-SNP) American Health Advantage of Missouri · H4490-001-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $43/mo | $9,250 | 2.5★ |
| American Health Advantage of Missouri Choice (HMO I-SNP) American Health Advantage of Missouri · H4490-003-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $43/mo | $9,250 | 2.5★ |
| UHC Complete Care AM-1 (Regional PPO C-SNP) UnitedHealthcare · R3444-009-000 | Regional PPO | Only for people with certain chronic conditionsDiabetes, Heart | $56/mo | $6,700 | 3.0★ |
Medicare Advantage plans without drug coverage 7
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| Wellcare Patriot Giveback Open (PPO) Wellcare · H7518-002-000 | PPO | $0/moGives back $165/mo of your Part B premium | $4,000 | 3.0★ |
| AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) UnitedHealthcare · H2802-077-000 | HMO-POS | $0/moGives back $150/mo of your Part B premium | $6,700 | 4.0★ |
| Humana USAA Honor Giveback (PPO) Humana · H5216-278-001 | PPO | $0/moGives back $135/mo of your Part B premium | $4,700 | 3.5★ |
| Humana USAA Honor Giveback (PPO) Humana · H7617-012-000 | PPO | $0/moGives back $135/mo of your Part B premium | $4,700 | 4.5★ |
| Aetna Medicare Eagle (HMO-POS) Aetna Medicare · H2663-025-000 | HMO-POS | $0/moGives back $120/mo of your Part B premium | $5,500 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) UnitedHealthcare · H8768-025-000 | PPO | $0/moGives back $105/mo of your Part B premium | $6,700 | 3.5★ |
| Humana USAA Honor Giveback (Regional PPO) Humana · R1532-001-000 | Regional PPO | $0/moGives back $56/mo of your Part B premium | $5,500 | 2.5★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs.
- Plan G: $208–$666/mo from 24 companies, at age 65.
- Plan N: $163–$514/mo from 23 companies, at age 65.
Discussion
Questions and experiences from other visitors. Comment guidelines
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