SimpliveraCoverage Companion
Missouri · 2026 plan year

Medicare Advantage PPO plans in Missouri

There are 23 Medicare Advantage PPO plans in Missouri from 5 carriers, averaging 3.48 out of 5 stars across the 23 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.

23
PPO plans
5
Carriers
115
Counties covered
3.5
Average stars
Varies
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

PPO plans in Missouri rate below the national average.

The 23 rated PPO plans here average 3.48 stars against a national median of 3.81. That is a reason to compare carefully rather than to rule the state out — 8 plans here still rate 4 stars or better, and the rating describes the contract, not any one plan's benefits.

Missouri PPO plans rank 50th of 51 on star rating.

Across the 23 rated plans here the average overall rating is 3.48 stars, 50th highest of the 51 states with PPO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated PPO plans in Missouri

PlanStarsOut-of-pocket maxPremium / mo
HumanaChoice Giveback H7617-014 (PPO)Humana4.5★—$0
HumanaChoice SNP-DE H7617-006 (PPO D-SNP)Humana · Dual-Eligible SNP4.5★—$0
UHC Complete Care MO-1 (PPO C-SNP)UnitedHealthcare · Chronic or Disabling Condition SNP4.5★—$0
UHC Dual Complete MO-S002 (PPO D-SNP)UnitedHealthcare · Dual-Eligible SNP4.5★—$0
UHC Nursing Home Plan MO-F001 (PPO I-SNP)UnitedHealthcare · Institutional SNP4.5★—$0

Showing 5 of 23. See all MissouriMedicare Advantage plans →

Who sells here

PPO plans by carrier

CarrierPlansAvg starsSNPs
UnitedHealthcareUnitedHealth Group, Inc.93.75
HumanaHumana Inc.83.32
WellcareCentene Corporation33.01
Aetna MedicareCVS Health Corporation24.0—
Anthem Blue Cross and Blue ShieldElevance Health, Inc.13.5—
Other plan types in Missouri

How PPO compares

HMO
3.8★ avg · 13 carriers
85 plans
PPO
3.5★ avg · 5 carriers
23 plans · you are here

All MissouriMedicare Advantage plans →

Nearby on quality

States with similar PPO star ratings

Vermont
3.50★ average
1 PPO plans
Oregon
3.08★ average
46 PPO plans
Common questions

Missouri Medicare Advantage PPO plans, answered

How much do Medicare Advantage PPO plans cost in Missouri?
Of the Missouri PPO plans with a published premium, 90% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the plan's out-of-pocket maximum — check it on each plan, since CMS does not publish it uniformly for PPO plans.
What are the star ratings for Missouri PPO plans?
The 23 rated PPO plans in Missouri average 3.48 out of 5 stars, with 8 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage PPO plans are available in Missouri?
There are 23 PPO plans from 5 carriers, sold across 115 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 8 of them are Special Needs Plans with extra eligibility rules (see below).
Do Missouri PPO plans include prescription drug coverage?
23 of the 23 PPO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Missouri?
8 of the 23 PPO plans in Missouri are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across Missouri Medicare Advantage plans.

Estimate my costs — it’s free →