Independence, Missouri
Medicare agents in Independence, MO
Find a licensed agent with an office in Independence, and see what Medicare looks like locally: how many people have it, how many are in Medicare Advantage, and how many plans are offered for 2027.
Last reviewed October 27, 2026. General information, not advice about any plan.
Agents in Independence
No agents with an office in Independence are listed yet. Agents licensed anywhere in Missouri can help by phone or video: see agents in Missouri.
Before you meet anyone, check their Missouri license. Agents in nearby towns are on the Jackson County page.
Medicare in Jackson County
- People with Medicare
- 137,104
- In Medicare Advantage or another Medicare health plan
- 56% (77,153)
- With both Medicare and Medicaid*
- 15% (20,579)
Source: CMS Medicare Monthly Enrollment, July 2026, for all of Jackson County; Independence itself has about 121,629 residents (Census, 2024). Medicare health plans include Medicare Advantage, cost plans and PACE, not Medigap or drug plans. *Includes people who get help only with Medicare costs from a Medicare Savings Program.
2027 plans offered in Jackson County
- Medicare Advantage with drug coverage
- 28 plans, 21 with a $0 plan premium
- Medicare Advantage without drug coverage
- 8 plans
- Special Needs Plans
- 29 plans: 15 for people with both Medicare and Medicaid; 5 for people with certain chronic conditions; 9 for people who live in, or need the care of, a nursing home. Only people who qualify can join.
- Companies offering these plans
- 8
Standalone drug plans in Missouri: 9 plans, with monthly premiums from $5.30.
Source: CMS 2027 plan landscape (updated October 2026), which lists plans by county. A $0 plan premium doesn't mean $0 costs: you still pay the Part B premium, plus copays, and plans differ in their yearly limit and in which doctors and drugs they cover. How to compare.
Free local help
- Missouri SHIP
- Missouri's free, unbiased Medicare counseling program. 1-800-390-3330 · Website
- The Missouri Department of Commerce and Insurance
- Licenses agents and takes complaints. 1-800-726-7390 · How to check a license
- 1-800-MEDICARE
- 1-800-633-4227 (TTY 1-877-486-2048), 24 hours a day, 7 days a week, except some federal holidays.
Missouri rules to know
- Switching Medigap plans
- Anniversary rule. Within 30 days before or after your policy's anniversary date (not your birthday), you can switch to the same plan letter from any insurer.
- Medigap under 65
- Required, with limits. Missouri insurers must sell any Medigap policy they offer, with no health questions, to people under 65 on Medicare because of a disability who apply within 6 months of enrolling in Part B (with another open enrollment at 65); the sources do not clearly say whether people on Medicare only because of kidney failure (ESRD) are included.
- Agent licenses
- Agents must be licensed for health insurance in Missouri. Look one up.
Dates to know
- October 15 to December 7
- Open Enrollment: change Medicare Advantage or drug plans for the next year.
- January 1 to March 31
- Medicare Advantage Open Enrollment: one change for people already in a Medicare Advantage plan.
- Turning 65
- A 7-month window around your birthday month. The checklist.
Moving to Independence from another state opens a special enrollment period for Medicare Advantage and drug plans. It doesn't by itself let you buy Medigap without health questions. What to do.
Common questions
How many people in Independence have Medicare?
In Jackson County, 137,104 people had Medicare in July 2026, according to CMS. About 56% were in Medicare Advantage or another Medicare health plan; the rest had Original Medicare.
How many Medicare Advantage plans are offered in Independence for 2027?
CMS lists 28 Medicare Advantage plans with drug coverage in Jackson County for 2027 (21 with a $0 plan premium; you still pay the Part B premium), 8 without drug coverage, and 29 Special Needs Plans for people who qualify, from 8 companies. Medicare.gov's Plan Finder shows which ones cover your address, doctors and drugs.
Where can I get free Medicare help in Independence?
Missouri's free counseling program, Missouri SHIP (1-800-390-3330), gives unbiased one-on-one help. You can also call 1-800-MEDICARE (1-800-633-4227) any time.
Will I pay more for a plan if I use an agent?
No. A plan's premium is set by the plan, and you pay the same whether you enroll through an agent, the plan, or Medicare.gov. Agents can't charge a fee to enroll you in a Medicare Advantage or drug plan.
Other cities in Missouri
Keep reading
- How to find a good Medicare agent near youWhere to look for a local Medicare agent, how to narrow the list to one or two, and the five-minute checks to do before you share anything.
- Medicare Open Enrollment checklist: what to check before December 7A step-by-step checklist for the October 15 to December 7, 2026 Open Enrollment Period: what to read in your plan's letter, what's changing for 2027, what you can switch, and what happens if you do nothing.
- Medicare Advantage or Medigap? The questions that decide itNeither is better for everyone. How the two common Medicare set-ups differ, the questions that point to one or the other, and why the first choice is the hardest to undo.
Ready to talk to someone local?
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