Is my Medicare plan ending in St. Charles, MO?
Medicare plans are set by county. St. Charles is in St. Charles County, so the plans listed as leaving St. Charles County for 2027 apply to St. Charles residents.
Quick answer for St. Charles
12 Medicare plans are from 4 companies listed in St. Charles County for 2026 but not for 2027, covering at least 2,304 people enrolled today. If you live in St. Charles and have one of these plans, you can choose a new plan from October 15 to December 7, and coverage starts January 1.
Companies with plans leaving St. Charles County
| Company | Plans leaving | People enrolled (at least) |
|---|---|---|
| UnitedHealthcare | 6 | 2,231 |
| Cigna HealthSpring (HCSC) | 3 | 41 |
| Wellcare / Ambetter (Centene) | 1 | 32 |
| Rifkin Managed Care Holding | 2 | not listed |
Plans going away in St. Charles County
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| AARP Medicare Advantage from UHC ST-2 (PPO) H2406-069 | UnitedHealthcare | 1,367 |
| UHC Dual Complete MO-S3 (HMO-POS D-SNP) H0169-009 | UnitedHealthcare | 688 |
| UHC Dual Complete MO-V001 (HMO-POS D-SNP) H0169-008 | UnitedHealthcare | 112 |
| HealthSpring True Choice Savings (PPO) H7849-077 | Cigna HealthSpring (HCSC) | 41 |
| Wellcare Giveback (HMO-POS) H1664-006 | Wellcare / Ambetter (Centene) | 32 |
| UHC Medicare Advantage AM-0002 (Regional PPO) R3444-012 | UnitedHealthcare | 29 |
| UHC Complete Care Support AM-1A (Regional PPO C-SNP) R3444-008 | UnitedHealthcare | 24 |
| UHC Complete Care AM-1 (Regional PPO C-SNP) R3444-009 | UnitedHealthcare | 11 |
| Provider Partners Missouri Community Plan (HMO I-SNP) H9191-004 | Rifkin Managed Care Holding | 10 or fewer |
| Provider Partners Missouri Essential Plan (HMO I-SNP) H9191-005 | Rifkin Managed Care Holding | 10 or fewer |
What to do if you live in St. Charles
- Read the notice from your plan. It names the plan that is ending and your choices.
- Compare 2027 options before December 7: another Medicare Advantage plan, or Original Medicare with a Medicare Supplement and a Part D drug plan.
- Check that your doctors, hospitals and pharmacy near St. Charles are covered by any plan you consider.
- Free, unbiased help: CLAIM (Community Leaders Assisting the Insured of Missouri) at 800-390-3330, or Medicare.gov, 1-800-MEDICARE.
Is my Medicare plan ending in St. Charles?
Medicare plans are offered by service area, usually county by county. Check the list above for your plan name or plan ID. A plan can be listed because it was renumbered or replaced, so your plan notice is the final word.
What happens if I do nothing in St. Charles?
If your plan is not renewing and you do not choose a new one, you may be moved to Original Medicare, which does not include drug coverage. Compare options before December 7 and confirm your dates with Medicare.gov or your plan notice.
Do I have to enroll if I call?
No. Calling is a conversation about your options, and you are never required to enroll.
St. Charles residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095 Open 8 AM-10 PM Eastern timeMore for St. Charles: St. Charles health insurance · St. Charles County · All Missouri plans ending for 2027 · St. Charles population 71,800 (Census Bureau).
Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.