Medicare Resources and Accepted Medicare Replacement Plans
Annual Enrollment Period runs Oct. 15 - Dec. 7

With hundreds of available Medicare insurance plans that may change benefits or premiums each year, it is more complicated than ever to find Medicare insurance that matches your personal needs, preferences, and budget. This challenge is compounded because most health care providers don’t accept all Medicare plans, and provider participation may change over time. For these reasons, Saint Luke’s Health System makes available MedicareOnDemand, serviced by MedicareCompareUSA.

Visit Medicare On Demand

MedicareOnDemand Services

  • Compare and Enroll in Medicare Plans: Use the Medicare Plan Quote Tool to compare and enroll in local, regional, and national Medicare Advantage, Medicare Supplement (Medigap), and Medicare Prescription plans.
  • Speak with a Licensed Agent: Licensed and highly trained agents are available by phone and personal appointment.
  • Confirm Plan Acceptance: View Medicare plans accepted by your physicians and hospital.
  • Medicare Education: Conduct online research using the Medicare Education Center.
  • Annual Medicare Plan Review: Review your Medicare coverage and insurance options each year during the Medicare Annual Enrollment Period.

If you do not work with a broker, consider visiting MedicareOnDemand or calling MedicareCompareUSA at 866-261-5915; TTY 711, Monday through Friday, 8 a.m. to 7 p.m. 

MedicareOnDemand is a registered trademark of MedicareCompareUSA, an independent insurance agency not affiliated with the federal Medicare program. Calling the helpline will get you connected with a licensed insurance agent. All services are provided at no cost and without obligation; MedicareCompareUSA and affiliated agents are paid directly by the Medicare plan when enrollment occurs. Health care providers receive no financial benefit when patients use the service. MedicareCompareUSA does not offer every plan available in your area. Any information we provide is limited to those plans MedicareCompareUSA represents in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

Medicare Annual Enrollment

The Medicare Annual Enrollment Period (AEP) is open from Oct. 15 to Dec. 7. Medicare beneficiaries can make changes to their Medicare insurance for the calendar year 2025.

Due to the Inflation Reduction Act passed by Congress, Medicare patients enrolled in a Medicare Advantage plan or a standalone Medicare Prescription Drug plan (PDP) may experience significant changes to their plan benefits and/or premium for 2025.

Carefully review your Annual Notice of Change (ANOC) letter sent by your Medicare Advantage or PDP insurance carrier in early October to verify all changes to your coverage for calendar year 2025.

Common Medicare AEP Situations

My Medicare Advantage plan will not be available in 2025 
If you are notified that your current Medicare Advantage plan will not be available in 2025, you have options:

Return to Original Medicare. Because you are involuntarily losing your Medicare Advantage plan, you will be automatically reinstated with Original Medicare starting on Jan. 1, 2025. You also qualify for any Medicare Supplement (Medigap) plan of your choice on a Guarantee Issue basis (no medical underwriting required). You may also decide to purchase a standalone Medicare Prescription Drug plan.

Shop for an alternative Medicare Advantage plan. You can compare and choose a Medicare Advantage plan during Medicare AEP which lasts from Oct. 15 through Dec. 7. Be sure to verify that your physicians and medications are covered by your Medicare Advantage plan of choice.

My Medicare Prescription Drug plan will significantly change in 2025
Most Medicare Prescription Drug plans will experience noticeable changes for 2025. This may include Plan Premium increases or changes to the drugs covered by the plan (formulary). For a complete listing of Medicare Prescription Drug plans available in your area, visit the plan finder tool found on Medicare.gov. You can compare and enroll in the Medicare Prescription plan of your choice.

My Medicare Advantage plan will significantly change in 2025
If you receive your Annual Notice of Change (ANOC) letter from your Medicare Advantage plan and are concerned about changes being made to your coverage for 2025, your options are to:

Return to Original Medicare. Contact your Medicare Advantage plan directly and they will initiate the disenrollment process (or call 1-800-MEDICARE for assistance). Please note:

  • If you wish to purchase a Medicare Supplement plan (Medigap), you will likely need to pass the plan’s medical underwriting requirements.
  • You may decide to purchase a standalone Medicare Prescription Drug plan.

Shop for an alternative Medicare Advantage plan. You can compare and choose a Medicare Advantage plan during Medicare AEP which lasts from Oct. 15 through Dec. 7. Be sure to verify that your physicians and medications are covered by your plan of choice.

Additional Resources

Medicare
The official U.S. government site for Medicare. This site enables you to sign up or change plans, learn about Medicare coverage choices and more. Call 1-800-MEDICARE to reach Medicare by phone.

Missouri SHIP
Certified by the federal and state government, Missouri SHIP (MO SHIP) provides free, unbiased, and confidential Medicare services. MO SHIP is a non-profit organization that counsels people so you can understand Medicare and choose the right plan.

Social Security Administration
The United States Social Security Administration is an independent agency of the U.S. federal government that administers Social Security, a social insurance program consisting of retirement, disability, and survivor benefits. Call 1-800-772-1213 to reach Social Security by phone.

Medicare Advantage Plans

Effective Jan. 1, 2025, the following Medicare Advantage plans are accepted at Saint Luke's Hospital, Saint Luke's East Hospital, Saint Luke's North Hospital, and Saint Luke's South Hospital:

  • Aetna
    • Aetna Medicare Advantage Plans/KC Market
    • Aetna Medicare Assure
    • Aetna Medicare Core
    • Aetna Medicare Eagle
    • Aetna Medicare Elite
    • Aetna Medicare Premier
    • Aetna Medicare Premier Plus
    • Aetna Medicare Smart Fit
    • Aetna Medicare Smart Saver Elite
    • Aetna Medicare Value Plus
  • American Health Advantage of MO
  • Devoted Health Medicare Advantage
  • Humana
    • Humana Medicare Advantage Plans/KC Market
    • Humana Choice PPO
    • Humana Gold Plus HMO and HMO-POS
    • Humana Gold Plus HMO-SNP
    • Humana Gold Plus Giveback HMO-POS
    • Humana Choice Giveback PPO
  • Kansas Superior Select, Inc. (KSSI)
  • Provider Partners Health Plan
  • United Healthcare
    • United Healthcare Medicare Advantage Plans/KC Market
    • AARP Medicare Advantage
    • AARP Medicare Advantage Extras
    • AARP Medicare Advantage Essentials
    • AARP Medicare Advantage Patriot
    • UHC Dual Complete
    • UHC Complete Care