Missouri Medicare Plans
Missouri residents turning 65 become eligible for Medicare. While the plans are great, some people require Medicare Supplements and Advantage plans to cover additional expenses left behind and offer increased flexibility.
The Medicare Supplements plan will cover the deductibles, copays, coinsurance, and more than Original Medicare which can save you thousands of dollars. Additionally, you will have the freedom to see any doctor that accepts Medicare. However, Missouri has laws in place that make Medicare Supplements standardization different than other states. Instead of 10 plans lettered A through N, there’s two plans.
Medicare Advantage plans offer similar coverage to Original Medicare, but offer extras, like prescription drug coverage, and don’t always cost you an additional premium.
Missouri Medicare Plans Open Enrollment
Medicare beneficiaries in Missouri are eligible for Medicare at age 65. Initial enrollment begins three months before your birth month and lasts three months after. During initial enrollment, you can also apply for Medicare Supplements.
Initial enrollment begins three months before your birth month and lasts three months after. This is also the time you can apply for Medicare Supplements. While you can enroll in a supplement at any time, initial enrollment is the best time to do so because you cannot be turned down due to health conditions considering you won’t have to answer health questions on your application. If you miss this window, you’ll likely have to answer health questions to apply, which means you could be turned down by other Missouri Medicare supplement plans.
Missouri Medicare Advantage
The state of Missouri offers up to 33 Medicare Advantage plans available, depending on what county you live in. When you enroll in a Medicare Advantage plan, you will get your care from the plan’s network of providers. These means that the private plans will pay instead of Medicare.
If you find that Medigap is out of the question due to budget or preexisting conditions, consider a Medicare Advantage plan.
Missouri Medicare Part D
While Original Medicare and Medicare Supplement plans don’t offer coverage for prescription drugs, there is an option to enroll in Medicare Part D in the state of Missouri If this is enticing for you, there are 26 Part D plans available.
Missouri Medigap Plans
Missouri has a unique rule, the Missouri Medicare Supplement Anniversary Guaranteed Issue Rule. Once a year, on the original issue date of your current standardized Medigap policy, you can switch from your plan to another plan similar to yours with no underwriting. During this time, the new insurance company must sell you the policy regardless of any pre-existing conditions, giving you the opportunity to shop your policy annually and compare premiums.
Medicare Advantage for Missouri Residents Under the Age of 65 with Disabilities
While Medicare is generally reserved for those turning 65, there are cases in which someone may be eligible for Medicare under the age of 65. This includes individuals with disabilities who have received Social Security Disability Income for 24 months or have End Stage Renal Disease (ESRD) or Amyotropic Lateral Sclerosis (ALS, also known as Lou Gehrig’s disease).
It is important to note that there is a five-month waiting period after a beneficiary is determined to be disabled before they can begin to collect Social Security Disability Income. People who meet all the criteria for Social Security Disability Income are generally automatically enrolled in Medicare Part A and Part B. For the people who meet the standards, but do not qualify for Social Security Income, have an option to purchase Medicare by paying a Part A premium monthly as well as a monthly Part B premium.
An exception to the 5-month waiting people does apply for those people with ESRD and ALS. These individuals do not have to collect benefits for 24 months in order to become eligible for Medicare.
The requirements for Medicare eligibility for people with ESRD and ALS are:
- ESRD – Generally 3 months after a course of regular dialysis begins or after a kidney transplant
- ALS – Immediately upon collecting Social Security Disability benefits
Regrettably, those with disabilities often have lower incomes, require more health care, and find it more difficult to pay for and obtain care compared to Medicare beneficiaries over 65 years of age. Take our Medicare quiz now to see if you qualify for incredible Medicare benefits, even if you are under the age of 65.
Every state is different, and so obtaining Medicare benefits in Missouri can be complicated or confusing. If you are disabled or under the age of 65 wondering if you qualify, it is best to contact us directly to see if you are eligible.
What Medicare Advantage benefits am I eligible for under the age of 65 in Missouri?
At 100 Insure, we can help you discover benefits you might be eligible for including:
- Premiums starting at $0 per month
- Coverage for copays and deductibles
- Prescription drugs
- And transportation to the doctor and pharmacy
That’s right. Our company has helped qualified people under the age of 65 in Missouri receive benefits like:
- Massage services
- Meals after a hospital
- Food for their service dog
- A gym membership
- Money for vitamins and groceries
- Home improvements
- In home care & aides
- And pest control services
Contact us today to see if you qualify.
Medicare Coverage for Working People in Missouri with Disabilities
Medicare eligibility for working people with disabilities falls into three distinct time frames.
- Trial work period – extends 9 months after a disabled individual obtains a job
- Second period – This period is for 93 months after the end of the trial work period.
- Third period – An indefinite period following those 93 months.
Keep in mind that Medicare eligibility during each of these periods applies only while the individual continues to meet the medical standard for being considered disabled under Social Security rules.