Medicare Advantage plans in Phelps, MO, 2027
Phelps, Missouri has 30 Medicare Advantage plans open to everyone for 2027 (30 in 2026) and 18 special needs plans, according to the CMS landscape files; 22 of the open plans have a $0 premium. 6 plans that served the county in 2026 end or leave it, with 55 members living here in September 2026.
What changes in Phelps for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 30 | 30 | no change |
| Special needs plans | 19 | 18 | ▼down 1 |
| Plans with a $0 premium | 22 | 22 | no change |
| Plans that lower the Part B premium | 8 | 6 | ▼down 2 |
| Median out-of-pocket limit | $4,700 | $5,500 | ▲up $800 |
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 Phelps join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Wellcare Patriot Giveback OpenH7518-002 · PPO | $0 | $4,000 | $95 | 3 of 5 |
| AARP Medicare Advantage from UHC ST-1PH2802-071 · HMO-POS | $0 | $4,100 | none | 4 of 5 |
| Humana Value ChoiceH7617-023 · PPO | $0 | $4,400 | none | 4.5 of 5 |
| AARP Medicare Advantage Essentials from UHC ST-3H2802-028 · HMO-POS | $0 | $4,450 | none | 4 of 5 |
| Phelps Health Medicare AdvantageH2942-003 · HMO | $0 | $4,450 | none | 4 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 Elite Classic ExtraH1608-067 · PPO | $0 | $4,900 | none | 4 of 5 |
| Aetna Medicare EagleH2663-069 · HMO-POS | $0 | $4,900 | $150 | 4 of 5 |
| Aetna Medicare EliteH5521-750 · PPO | $0 | $4,900 | none | 4.5 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 |
| Humana USAA Honor GivebackR1532-001 · Regional PPO | $0 | $5,500 | $37 | 2.5 of 5 |
| Aetna Medicare Elite ClassicH1608-050 · PPO | $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 |
| Wellcare Simple OpenH7518-001 · PPO | $0 | $7,100 | none | 3 of 5 |
| AARP Medicare Advantage Essentials from UHC MO-4H2802-030 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage Extras from UHC MO-10H2802-072 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage CareFlex from UHC ST-6H2802-073 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
Show the other 10 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| AARP Medicare Advantage from UHC MO-0009H8768-027 · PPO | $0 | $7,150 | none | 3.5 of 5 |
| Humana Gold ChoiceH8145-126 · PFFS | $0 | $9,850 | none | 3.5 of 5 |
| AARP Medicare Advantage Extras from UHC ST-4H2802-052 · HMO-POS | $19 | $4,450 | none | 4 of 5 |
| AARP Medicare Advantage from UHC MO-0005H2802-031 · HMO-POS | $25 | $4,450 | none | 4 of 5 |
| AARP Medicare Advantage from UHC ST-0001H2406-043 · PPO | $58 | $7,150 | none | 4 of 5 |
| Humana Gold ChoiceH8145-006 · PFFS | $60 | $7,800 | none | 3.5 of 5 |
| Aetna Medicare Enhanced ClassicH1608-013 · PPO | $70 | $7,500 | none | 4 of 5 |
| Aetna Medicare EnhancedH5521-748 · PPO | $70 | $7,500 | none | 4.5 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 Phelps 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 | 35 | Not offered |
| UHC Complete Care Support AM-1AR3444-008 | 20 | Not offered |
| AARP Medicare Advantage from UHC ST-2H2406-069 | fewer than 11 | Not offered |
| 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.
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 Phelps use Medicare Advantage?
4,947 of the county's 9,876 people with Medicare were in a Medicare Advantage plan in September 2026, 50.1%; 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