Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

Anthem Medicare Advantage, 2027

H3447Contract038Plan

HMO-POS · 18 counties in Missouri

Run by Healthkeepers, Inc. (contract H3447), sold as Anthem HealthKeepers, owned by Elevance Health, Inc.

Renews for 2027

2026 star rating, contract H3447: 3.5 of 5

Anthem Medicare Advantage (H3447-038) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $4,450 ($3,500 to $3,900 in 2026).

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it. The plan files its benefits in parts for different counties, so lines marked ◆ show the most generous part of its area and some counties get less: the plan's Evidence of Coverage gives your county's amounts.
What you pay or get	2026	2027	Change
In-network out-of-pocket limit, by county	$3,500 to $3,900	$4,450	up $550 at the top
Hospital stay, in network (best in its area)	$325 a day for days 1–6, then $0 a day for days 7–90	$350 a day for days 1–6, then $0 a day for days 7–90	up $125for a 5-day stay
Skilled nursing facility, in network (best in its area)	$20 a day for days 1–20, then $218 a day for days 21–100	$20 a day for days 1–20, then $221 a day for days 21–100	up $30for a 30-day stay
Eyewear, yearly limit (best in its area)	$375 a year	$200 a year	down $175
Hearing aids, yearly limit for both ears (best in its area)	$3,000 a year	$1,500 a year	down $1,500
Over-the-counter items, yearly (best in its area)	$520 a year	$320 a year	down $200
Drug tier 4, non-preferred drug	30% of the cost	28% of the cost	down 2 points
Drug tier 5, specialty tier	30% of the cost	31% of the cost	up 1 point
13 lines do not change
Monthly premium	$0	$0	no change
Drug deductible	$210	$210	no change
Part B premium reduction, monthly (best in its area)	none	none	no change
Primary care visit (best in its area)	$0 copay	$0 copay	no change
Specialist visit (best in its area)	$35 copay	$35 copay	no change
Emergency room (best in its area)	$150 copay	$150 copay	no change
Medical deductible, in network (best in its area)	none	none	no change
Ground ambulance, in network (best in its area)	$295 copay	$295 copay	no change
Comprehensive dental, yearly limit (best in its area)	not offered	not offered	no change
Counties served	18	18	no change
Drug tier 1, preferred generic	$0	$0	no change
Drug tier 2, generic	$10	$10	no change
Drug tier 3, preferred brand	25% of the cost	25% of the cost	no change

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; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.

What will prescriptions cost?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked. The plan charges less at its preferred pharmacies
Tier	What the tier holds	2026, standard pharmacy	2027, standard pharmacy	2027, preferred pharmacy
Tier 1	Preferred Generic	$0	$0	$0
Tier 2	Generic	$10	$10	$0
Tier 3	Preferred Brand	25% of the cost	25% of the cost	25% of the cost
Tier 4	Non-Preferred Drug	30% of the cost	28% of the cost	28% of the cost
Tier 5	Specialty Tier	30% of the cost	31% of the cost	31% of the cost

Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.

How does it compare with plans sold where it is?

In the counties it serves, 73 plans open to everyone are sold for 2027, this one included. Against the others, 23 plans have a lower out-of-pocket limit, 7 the same, 42 a higher one. On the premium, 56 the same, 16 a higher one.

Out-of-pocket limits of the 73 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,00015 plans

$4,000 to under $6,000 (this plan)34 plans

$6,000 to under $8,00020 plans

$8,000 to $10,0004 plans

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where is it sold, and what does it cost there?

The premium and the out-of-pocket limit are the same in all 18 counties: $0 a month and $4,450.

Missouri

Christian Dallas Douglas Franklin Greene Hickory Jefferson Laclede Lincoln Polk Pulaski St. Charles St. Louis St. Louis City Warren Washington Webster Wright

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Who runs this plan?

Plan ID: H3447-038
Legal name of the contract: Healthkeepers, Inc.
Sold as: Anthem HealthKeepers
Parent company: Elevance Health, Inc.
Plan type: HMO-POS
2026 star rating of the contract: 3.5 of 5 overall; health plan 3.5 of 5, drug plan 3.5 of 5
Members, September 2026: 15,661
Plan website, as filed with CMS: https://shop.anthem.com/medicare

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.

What else should you check?

Other 2027 plans in St. Louis, MOWhere most of its members live; premiums and limits side by side
Every Anthem HealthKeepers plan for 2027Its contracts, counties and plans that end
The other 14 plans of contract H3447Same company, same contract
Is your prescription covered?Coverage share and tier for 2,259 drugs

Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.