Medicare Advantage plans in Clay, MO, 2027
Clay, Missouri has 35 Medicare Advantage plans open to everyone for 2027 (35 in 2026) and 27 special needs plans, according to the CMS landscape files; 28 of the open plans have a $0 premium. 8 plans that served the county in 2026 end or leave it, with 178 members living here in September 2026.
What changes in Clay for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 35 | 35 | no change |
| Special needs plans | 26 | 27 | ▲up 1 |
| Plans with a $0 premium | 28 | 28 | no change |
| Plans that lower the Part B premium | 16 | 14 | ▼down 2 |
| Median out-of-pocket limit | $5,200 | $5,500 | ▲up $300 |
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 Clay join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana Total CompleteH0028-054 · HMO-POS | $0 | $2,800 | none | 3.5 of 5 |
| Devoted Core 003 MOH2041-003 · HMO | $0 | $3,600 | none | not rated (too new) |
| Devoted Choice 001 MOH4030-001 · PPO | $0 | $3,950 | none | not rated |
| Wellcare Patriot Giveback OpenH7518-002 · PPO | $0 | $4,000 | $95 | 3 of 5 |
| Humana Total Complete GivebackH0028-066 · HMO-POS | $0 | $4,200 | $60 | 3.5 of 5 |
| Aetna Medicare SignatureH2663-026 · HMO-POS | $0 | $4,200 | none | 4 of 5 |
| Humana Total Complete GivebackH4461-047 · HMO-POS | $0 | $4,200 | $54 | 4 of 5 |
| Humana Value ChoiceH7617-010 · 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 Value PlusH2663-052 · HMO | $0 | $4,900 | none | 4 of 5 |
| Humana Essentials Plus GivebackH5216-405 · PPO | $0 | $5,250 | $72 | 3.5 of 5 |
| Humana Essentials Plus GivebackH7617-017 · PPO | $0 | $5,250 | $74 | 4.5 of 5 |
| Devoted Choice Giveback Extras 005 MOH4030-005 · PPO | $0 | $5,450 | $90 | not rated |
| Aetna Medicare EagleH2663-025 · HMO-POS | $0 | $5,500 | $140 | 4 of 5 |
| Humana USAA Honor GivebackR1532-001 · Regional PPO | $0 | $5,500 | $37 | 2.5 of 5 |
| AARP Medicare Advantage Essentials from UHC KC-6H2802-076 · HMO-POS | $0 | $6,700 | none | 4 of 5 |
| Aetna Medicare Signature ClassicH1608-016 · PPO | $0 | $6,750 | none | 4 of 5 |
| Aetna Medicare SignatureH5521-742 · PPO | $0 | $6,750 | none | 4.5 of 5 |
Show the other 15 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Wellcare SimpleH1664-001 · HMO-POS | $0 | $7,100 | none | 3 of 5 |
| Wellcare Simple OpenH7518-001 · PPO | $0 | $7,100 | none | 3 of 5 |
| Devoted Giveback 004 MOH2041-004 · HMO | $0 | $7,150 | $164.70 | not rated (too new) |
| AARP Medicare Advantage Extras from UHC KC-2H2802-032 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage Patriot No Rx KS-MA2H2802-077 · HMO-POS | $0 | $7,150 | $160 | 4 of 5 |
| Devoted Choice Giveback 002 MOH4030-002 · PPO | $0 | $7,150 | $118 | not rated |
| AARP Medicare Advantage from UHC KC-4H8768-023 · PPO | $0 | $7,150 | none | 3.5 of 5 |
| AARP Medicare Advantage Patriot No Rx KS-MA01H8768-025 · PPO | $0 | $7,150 | $115 | 3.5 of 5 |
| AARP Medicare Advantage from UHC KC-5H8768-039 · PPO | $19 | $7,150 | none | 3.5 of 5 |
| Humana Gold PlusH0028-017 · HMO | $22 | $6,800 | none | 3.5 of 5 |
| Aetna Medicare EnhancedH2663-118 · HMO-POS | $54 | $6,750 | none | 4 of 5 |
| AARP Medicare Advantage from UHC KC-0003H2802-033 · HMO-POS | $55 | $4,450 | none | 4 of 5 |
| Humana Gold ChoiceH8145-006 · PFFS | $60 | $7,800 | none | 3.5 of 5 |
| HumanaChoiceH5216-032 · PPO | $76 | $9,250 | none | 3.5 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 Clay 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 |
|---|---|---|
| HealthSpring PreferredH9460-001 | 62 | Not offered |
| HealthSpring Preferred SavingsH9460-003 | 46 | Not offered |
| UHC Medicare Advantage AM-0002R3444-012 | 25 | Not offered |
| HealthSpring True ChoiceH7849-024 | 18 | Not offered |
| UHC Complete Care Support AM-1AR3444-008 | 15 | Not offered |
| UHC Complete Care AM-1R3444-009 | 12 | Not offered |
| Provider Partners Missouri Community PlanH9191-004 | fewer than 11 | Not offered |
| Provider Partners Missouri Essential PlanH9191-005 | 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 |
|---|---|---|
| Devoted Dual 008 MOH2041-008 | Dual-Eligible | $0 |
| Provider Partners Missouri Community PlanH9191-006 | Institutional | $0 |
| Devoted C-SNP Enhanced 013 MOH2041-013 | Chronic or Disabling Condition | $0 |
| UHC Complete Care MO-1H2001-055 | Chronic or Disabling Condition | $0 |
| UHC Dual Advantage MO-V1H0169-015 | Dual-Eligible | $0 |
| Devoted C-SNP Choice Giveback Extras 026 MOH4030-026 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Chronic CareH2663-098 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus SNP-DEH0028-015 | Dual-Eligible | $0 |
| Humana Gold Plus SNP-DEH4461-044 | Dual-Eligible | $0 |
| Wellcare Home State Health Dual AccessH1664-005 | Dual-Eligible | $0 |
| Devoted Dual Plus 007 MOH2041-007 | Dual-Eligible | $0 |
| Devoted Dual Full 011 MOH2041-011 | Dual-Eligible | $0 |
| Devoted C-SNP Plus 016 MOH2041-016 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Full Dual Extra CareH2663-109 | Dual-Eligible | $0 |
| Aetna Medicare LongevityH2663-113 | Institutional | $0 |
| Aetna Medicare Dual CareH5325-003 | Dual-Eligible | $0 |
| Aetna Medicare Full Dual CareH5325-012 | Dual-Eligible | $0 |
| Wellcare Home State Health Dual Access OpenH7518-003 | Dual-Eligible | $0 |
| UHC Nursing Home Plan MO-F001H0710-016 | Institutional | $0.60 |
| UHC Dual Complete MO-Q1H0169-002 | Dual-Eligible | $2.60 |
Show the other 7 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| UHC Dual Complete MO-S3H0169-014 | Dual-Eligible | $8.90 |
| Provider Partners Missouri Essential PlanH9191-007 | Institutional | $14.50 |
| Wellcare Home State Health Dual ReserveH1664-012 | Dual-Eligible | $18.40 |
| 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 |
| Provider Partners Missouri Advantage PlanH9191-001 | 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 Clay use Medicare Advantage?
23,621 of the county's 49,187 people with Medicare were in a Medicare Advantage plan in September 2026, 48.0%; 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