Serving the Missouri counties of Crawford, Franklin, Jefferson, Lincoln, St. Charles, St. Louis, St. Louis City and Warren and the Illinois counties of Madison, Monroe and St. Clair.

With Essence, You Get More of What Makes the Right Plan

More Choices. We have several plan types to choose from, including HMOs and PPOs.
More Flexibility. Our new Flexible Benefits Card allows you to access your plan’s extra benefits when, how and where you want—with Flex Card allowances up to $2,500 depending on the plan you choose.
More Savings. Our plan options include many ways to save, such as low or $0 premiums, $0 deductibles, $0 primary care copays and $0 generic medications.
More Doctors. Essence has a robust network of leading area providers—all sharing our mission of delivering high-quality care.
More Counties. We’ve expanded our service area to include the Missouri counties of Crawford, Franklin, Lincoln and Warren.

Eligible for both Medicare & Medicaid?

Essence Healthcare now offers a Dual Special Needs Plan (D-SNP) for people with special needs related to age, disabilities or income level. Only those who are eligible for both Medicare and Medicaid can join a D-SNP.

There are 5 plans available in your area

View full plan details under each plan for complete benefit information.

Essence Advantage
(HMO)
Monthly Premium
$0
Plan Overview
Primary Doctor Copay $0
Specialist Copay $25
Annual Deductible $0
Generic Rx Drug Copay $0
Max. Out-of-Pocket Cost $1,950
Included Money-Saving Extra Benefits
Vision Care
Dental Coverage
Hearing Benefits
Transportation Assistance
Fitness Club Membership
Worldwide Coverage while Traveling
Chiropractic Care
Generous Over-the-Counter Allowance
Scroll to view additional plans
Essence Advantage Select
(HMO)
Monthly Premium
$0
Plan Overview
Primary Doctor Copay $0
Specialist Copay $30
Annual Deductible $0
Generic Rx Drug Copay $0
Max. Out-of-Pocket Cost $2,800
Included Money-Saving Extra Benefits
Vision Care
Dental Coverage
Hearing Benefits
Transportation Assistance
Fitness Club Membership
Worldwide Coverage while Traveling
Chiropractic Care
Generous Over-the-Counter Allowance
Scroll to view additional plans
Scroll to view additional plans
Essence Advantage Plus
(HMO)
Monthly Premium
$60
Plan Overview
Primary Doctor Copay $0
Specialist Copay $30
Annual Deductible $0
Generic Rx Drug Copay $0
Max. Out-of-Pocket Cost $1,700
Included Money-Saving Extra Benefits
Vision Care
Dental Coverage
Hearing Benefits
Transportation Assistance
Fitness Club Membership
Worldwide Coverage while Traveling
Chiropractic Care
Generous Over-the-Counter Allowance
Scroll to view additional plans
Scroll to view additional plans
Essence Advantage Choice
(PPO)
Monthly Premium
$0
Plan Overview
Primary Doctor Copay $0
Specialist Copay $35
Annual Deductible $0
Generic Rx Drug Copay $0
Max. Out-of-Pocket Cost $4,200
Included Money-Saving Extra Benefits
Vision Care
Dental Coverage
Hearing Benefits
Transportation Assistance
Fitness Club Membership
Worldwide Coverage while Traveling
Chiropractic Care
Generous Over-the-Counter Allowance
Scroll to view additional plans
Essence Advantage Choice Plus
(PPO)
Monthly Premium
$27
Plan Overview
Primary Doctor Copay $0
Specialist Copay $25
Annual Deductible $0
Generic Rx Drug Copay $0
Max. Out-of-Pocket Cost $3,900
Included Money-Saving Extra Benefits
Vision Care
Dental Coverage
Hearing Benefits
Transportation Assistance
Fitness Club Membership
Worldwide Coverage while Traveling
Chiropractic Care
Generous Over-the-Counter Allowance