Medicare Advantage plans in Cape Girardeau, MO, 2027
Cape Girardeau, Missouri has 20 Medicare Advantage plans open to everyone for 2027 (20 in 2026) and 15 special needs plans, according to the CMS landscape files; 18 of the open plans have a $0 premium. 6 plans that served the county in 2026 end or leave it, with 56 members living here in September 2026.
What changes in Cape Girardeau for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 20 | 20 | no change |
| Special needs plans | 18 | 15 | ▼down 3 |
| Plans with a $0 premium | 16 | 18 | ▲up 2 |
| Plans that lower the Part B premium | 12 | 7 | ▼down 5 |
| Median out-of-pocket limit | $4,800 | $5,500 | ▲up $700 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026.
Which plans can anyone in Cape Girardeau join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana CommunityH4461-048 · HMO-POS | $0 | $2,000 | none | 4 of 5 |
| Humana CommunityH4623-002 · HMO-POS | $0 | $2,000 | none | 3.5 of 5 |
| Humana Gold PlusH4623-001 · HMO-POS | $0 | $3,125 | none | 3.5 of 5 |
| Humana Value ChoiceH7617-023 · PPO | $0 | $4,400 | none | 4.5 of 5 |
| Humana Value ChoiceH5216-318 · PPO | $0 | $4,450 | none | 3.5 of 5 |
| Humana USAA Honor GivebackH5216-278 · PPO | $0 | $4,700 | $150 | 3.5 of 5 |
| Humana USAA Honor GivebackH7617-012 · PPO | $0 | $4,700 | $150 | 4.5 of 5 |
| Aetna Medicare EagleH2663-069 · HMO-POS | $0 | $4,900 | $150 | 4 of 5 |
| Aetna Medicare SignatureH2663-041 · HMO-POS | $0 | $5,500 | none | 4 of 5 |
| Aetna Medicare Value PlusH2663-057 · HMO-POS | $0 | $5,500 | none | 4 of 5 |
| HumanaChoice GivebackH5216-404 · PPO | $0 | $5,500 | $61 | 3.5 of 5 |
| HumanaChoice GivebackH7617-014 · PPO | $0 | $5,500 | $58 | 4.5 of 5 |
| Humana USAA Honor GivebackR1532-001 · Regional PPO | $0 | $5,500 | $37 | 2.5 of 5 |
| AARP Medicare Advantage from UHC MO-0007H2802-049 · HMO-POS | $0 | $5,900 | none | 4 of 5 |
| AARP Medicare Advantage Patriot No Rx MO-MA01H2802-050 · HMO-POS | $0 | $5,900 | $170 | 4 of 5 |
| Aetna Medicare Signature ClassicH1608-051 · PPO | $0 | $6,750 | none | 4 of 5 |
| AARP Medicare Advantage from UHC MO-0002H2406-068 · PPO | $0 | $7,150 | none | 4 of 5 |
| Aetna Medicare SignatureH5521-749 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Aetna Medicare Enhanced ExtraH2663-006 · HMO-POS | $59 | $5,900 | none | 4 of 5 |
| HumanaChoiceR1532-002 · Regional PPO | $119 | $7,700 | none | 2.5 of 5 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026. Stars are the contract's 2026 rating. confirm on Medicare Plan Finder.
Which plans leave Cape Girardeau in 2027?
Members of these plans here choose a 2027 plan during open enrollment, October 15 to December 7, 2026; choosing by December 31 means no gap; because their plan is leaving the county, they can still join until the end of February 2027, with coverage from the first of the next month. Each plan's page says what happens to its members.
| 2026 plan | Members here, Sept. 2026 | For 2027 |
|---|---|---|
| UHC Medicare Advantage AM-0002R3444-012 | 43 | Not offered |
| UHC Complete Care Support AM-1AR3444-008 | 13 | Not offered |
| Provider Partners Missouri Advantage PlanH9191-001 | fewer than 11 | Leaves the county |
| Provider Partners Missouri Community PlanH9191-004 | fewer than 11 | Not offered |
| Provider Partners Missouri Essential PlanH9191-005 | fewer than 11 | Not offered |
| UHC Complete Care AM-1R3444-009 | fewer than 11 | Not offered |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which special needs plans are sold here?
Open only to people with Medicaid as well as Medicare, with certain chronic conditions, or living in an institution.
| Plan | Who can join | Premium |
|---|---|---|
| UHC Complete Care MO-1H2001-055 | Chronic or Disabling Condition | $0 |
| UHC Dual Advantage MO-V1H0169-015 | Dual-Eligible | $0 |
| Aetna Medicare LongevityH2663-113 | Institutional | $0 |
| Aetna Medicare Full Dual ExtraH2663-114 | Dual-Eligible | $0 |
| Anthem Full Dual AdvantageH3447-018 | Dual-Eligible | $0 |
| Anthem Full Dual Advantage 2H3447-053 | Dual-Eligible | $0 |
| HumanaChoice SNP-DEH5216-164 | Dual-Eligible | $0 |
| Aetna Medicare DualH5325-006 | Dual-Eligible | $0 |
| Aetna Medicare Full DualH5325-015 | Dual-Eligible | $0 |
| HumanaChoice SNP-DEH7617-006 | Dual-Eligible | $0 |
| UHC Dual Complete MO-Q1H0169-002 | Dual-Eligible | $2.60 |
| UHC Dual Complete MO-S3H0169-014 | Dual-Eligible | $8.90 |
| UHC Dual Complete MO-Q2H2001-040 | Dual-Eligible | $18.40 |
| American Health Advantage of MissouriH4490-001 | Institutional | $18.40 |
| American Health Advantage of Missouri ChoiceH4490-003 | Institutional | $18.40 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
How many people in Cape Girardeau use Medicare Advantage?
6,237 of the county's 18,025 people with Medicare were in a Medicare Advantage plan in September 2026, 34.6%; in Missouri as a whole the share is 54.6%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in MissouriEvery county of the state
- 9 stand-alone drug plans in MissouriIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027