The Medicare Annual Enrollment Period (AEP) is an important time of year for Missouri seniors to review their coverage. From October 15 through December 7, 2025, you’ll have the chance to make changes that go into effect on January 1, 2026.
Whether you live in St. Louis, Kansas City, Springfield, Columbia, or a smaller Missouri community, AEP is your chance to confirm that your plan still works for your health and your budget.
During AEP, Medicare beneficiaries in Missouri can:
Switch from Original Medicare to a Medicare Advantage Plan (Part C).
Switch back from Advantage to Original Medicare.
Change from one Medicare Advantage plan to another.
Enroll in, drop, or change a Part D prescription drug plan.
Any updates you make during this time will begin on January 1, 2026.
October 15, 2025 – AEP begins
December 7, 2025 – AEP ends
January 1, 2026 – New coverage begins
Missing the Dec 7 deadline means you’ll likely need to stay with your current plan until the next enrollment period.
Medicare Advantage (Part C)
Many Advantage plans in Missouri include extras like dental, vision, hearing, and wellness benefits.
Networks vary between metro and rural areas, so it’s important to confirm your preferred providers are included.
Medicare Supplement (Medigap)
Missouri is unique because of its Medigap Anniversary Rule, which lets you switch to another Supplement of equal or lesser value each year around your policy’s anniversary.
Plans G, High-Deductible G, and N are the most common choices.
Prescription Drug Plans (Part D)
Formularies (drug lists) change yearly. Reviewing your medications helps prevent unexpected pharmacy costs.
Not Taking Advantage of the Medigap Rule – Many miss the chance to explore better Supplement options.
Waiting Until December – Rushed choices often cause stress or overlooked details.
Focusing on Price Alone – The cheapest premium isn’t always the best value.
Skipping Drug Coverage Updates – Ignoring Part D can lead to higher costs or penalties.
Do Medicare Advantage plans in Missouri cover dental and vision?
Yes, many do — but the type and amount of coverage vary.
Can I switch from Supplement to Advantage during AEP? Yes, you can, but compare carefully since coverage and networks differ.
What is the Medigap Anniversary Rule in Missouri? Each year, you can switch Medigap plans of equal or lesser value around your policy’s anniversary without underwriting.
With unique rules like the Medigap Anniversary option and a mix of Advantage and Supplement plans, Medicare in Missouri can feel complicated. Reviewing your plan each year ensures you don’t miss opportunities to save money or get better coverage. Many seniors find it helpful to talk through their options with someone who understands both the Medicare system and what’s available locally.
Medicare AEP in Missouri runs Oct 15 – Dec 7.
Taking time this fall to review your coverage could save you money, help you take advantage of Missouri’s unique options, and give you peace of mind for 2026.
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