Medicare in St. Louis, MO: Your Local Guide to Coverage Options

Medicare Advantage Plans (Part C)

Medicare Advantage plans replace Original Medicare by bundling coverage into a single plan. Private insurance carriers approved by Medicare offer these plans. Most Medicare Advantage options include:

• Hospital and medical coverage
• Prescription drug coverage
• Provider networks
• Copays and out-of-pocket limits

Some plans add dental, vision, or hearing benefits, though coverage levels differ by carrier and plan type.

Medicare Advantage tends to appeal to seniors who want lower monthly premiums, bundled benefits, predictable copays, and coordinated care through a network. Provider access matters here. Networks can shift from year to year, so confirming your doctors accept a plan before enrolling is worth the effort.

Medicare Supplement Plans (Medigap)

Medicare Supplement insurance pairs with Original Medicare. These policies help cover costs Medicare leaves behind, like deductibles and coinsurance. Medigap plans typically offer nationwide provider access, predictable medical expenses, no referral requirements, and no network restrictions.

Prescription drugs aren't included with Medigap. You'll need a separate Part D plan for medication coverage.

Medigap often fits people who travel regularly, want broad provider flexibility, prefer fewer surprise medical bills, or use healthcare services often.