Medicare Advantage (Part C)
All-in-one plans with dental, vision and prescription extras, and a network. We check whether your primary care doctor and specialists are in the plans we can offer.
Independent · St. Louis, Missouri
Local Medicare Agent in St. Louis, MO
Compare Medicare Advantage, Medigap and Part D options with our licensed St. Louis team. We check your doctors, prescriptions and expected costs before recommending a plan.
No cost, no obligation, ever. Serving Clayton, Kirkwood, Chesterfield and the whole metro.
- Licensed Medicare Advisor
- Serving the St. Louis Metro
- No-Cost Medicare Review
St. Louis Senior Insurance
- Independent Medicare agency licensed in Missouri
- Serving St. Louis since 2011
- AHIP Medicare certified, renewed annually
- No cost for our help
- In-person, phone and home appointments
Written and reviewed by the licensed Medicare team at St. Louis Senior Insurance, Independent Medicare agency licensed in Missouri. Last reviewed: July 2026.
What St. Louis clients say
Reviews are shown with the client's first name, last initial and city, with permission.
Turning 65
“I was turning 65 and had no idea which forms came first. We went through my dates on one call, and I had my Part B start date and a plan picked out before my birthday month.”
Doctor networks
“My cardiologist was the whole issue. The team checked the network before I signed anything and told me plainly which plans kept my doctor at Barnes-Jewish.”
Prescription costs
“They ran my six medications through the drug lists instead of just quoting me a premium. My yearly cost dropped and I'm using the same pharmacy on Delmar Boulevard.”
Placeholder content: the quotes above are examples supplied during site build. Replace them with verbatim client reviews and links to the public review profile, or remove this section, before publishing.
Three tools that answer a real question
These are the questions that actually decide which plan is right, not which brochure looks best.
Find your Medicare enrollment period
Enter your date of birth. We'll show your Initial Enrollment Period, the month to apply, and when coverage could begin.
Check my doctors
Tell us the doctor or clinic you want to keep. We check it against the plans we can offer in your ZIP code and call you with what we find, usually the same or next business day. No instant results, and no guesswork.
Review my prescription costs
Premiums hide the real number. We price your medications against the drug lists of the plans we represent in your area, including your pharmacy, and call you with the total annual cost rather than the monthly headline.
Annual Enrollment runs Oct 15 – Dec 7
Plan networks, drug tiers and premiums change every year. A free review takes about 15 minutes. See what to review
Turning 65 in the next six months?
Your Initial Enrollment Period opens three months before your birthday month. Missing it can mean lifelong Part B penalties. Find my enrollment dates
Coverage we place in St. Louis, MO
We're independent, so we're not employed by one company. We put the options we can offer on the table, explain the trade-offs, and let the numbers decide.
Medicare Supplement (Medigap)
Predictable costs and freedom to see any provider that accepts Medicare, including BJC HealthCare and Mercy Hospital St. Louis.
Part D Prescription Drug Plans
We run your exact medication list against the drug lists of the plans we represent and show the real annual cost, not just the premium.
Already on Medicare?
Second opinions on a plan you already have. If what you've got is the best of what we can offer, we'll say so and leave it alone.
Final Expense & Life
Simple whole-life coverage that keeps funeral costs off your family. Options available with no medical exam.
Turning 65 soon
Your seven-month Initial Enrollment Period, your one guaranteed Medigap window, and what happens if you're still working.
The difference is who answers the phone in year three.
St. Louis Senior Insurance is a small local agency. You will not be handed to a script reader in another state.
Call us: 314-463-5815- 01
You talk to the same person every year
Not a rotating call center. The agent who enrolls you is the same agent who picks up in January when a claim looks wrong.
- 02
We check your doctors and your drugs first
Before any plan is recommended, we check your providers and run your prescription list against the plans we can offer. That's where most St. Louis seniors get burned.
- 03
Nothing we do costs you a dollar
We're paid by the carriers we represent, not by you, and your premium is the same either way.
- 04
We show up locally
Home and in-person appointments across St. Louis County, plus phone and video if that's easier.
Why call us instead of 1-800-MEDICARE?
Both are worth using, and they do different jobs. 1-800-MEDICARE and Medicare.gov can tell you about every plan available in your area. We work with a smaller set of carriers, and we do the personal legwork on your doctors, medications and budget.
| Working with our team | 1-800-MEDICARE / Medicare.gov |
|---|---|
| A local agency you can reach again all year | A general assistance line staffed by different representatives |
| Reviews your specific doctors and prescriptions before recommending anything | Provides general Medicare information and can look up plan details |
| The same team available after enrollment, including at claim time | A different representative may answer each time you call |
| Compares options from the carriers we represent in your ZIP code | Can provide information about every plan available in your area |
| Offers in-person, home and phone appointments across St. Louis County | Primarily phone-based, plus Medicare.gov self-service tools |
We do not offer every plan available in your area. To review all of your options, contact Medicare.gov, 1-800-MEDICARE, or the Missouri CLAIM (State Health Insurance Assistance Program) (SHIP).
How a free plan review works
- 1
A 15-minute conversation
Call or send the short form. We ask about your doctors, medications, budget, and what went wrong with your last plan.
- 2
A side-by-side comparison
We price the plans we can offer in your St. Louis ZIP code and build a one-page sheet you can actually read.
- 3
Enrollment done with you
We complete the application together, in person, on the phone, or electronically. Usually under 30 minutes.
- 4
A yearly checkup
Plans change every October. We re-run your numbers each fall and only move you if the math says so.
Senior insurance help throughout St. Louis & St. Louis County
Medicare networks are local. A plan that's excellent in Dallas can be a poor fit in St. Louis, MO if your cardiologist at BJC HealthCare or Mercy Hospital St. Louis isn't contracted. We check the networks of the plans we represent against your own provider list before anything is recommended.
We meet clients in St. Louis, Clayton, Kirkwood, Webster Groves, Chesterfield and the surrounding small towns, and we handle Medicare Annual Enrollment (Oct 15 – Dec 7) here every year.
Ready when you are, no obligation to enroll
Most reviews take one short call. If your current plan is already the best fit of what we can offer, we'll tell you that and leave it alone.
314-463-5815Mon–Fri, 8:30am–5:30pm · St. Louis, MO
- No fee, the carriers we represent pay us, not you
- Licensed in Missouri and Medicare-certified annually
- The same agency next year and the year after
Written and reviewed by the licensed Medicare team at St. Louis Senior Insurance, Independent Medicare agency licensed in Missouri. Last reviewed: July 2026.
Medicare questions we hear in St. Louis
- When can I enroll in Medicare in St. Louis, MO?
- Your Initial Enrollment Period runs three months before through three months after your 65th birthday month. Annual Enrollment runs October 15 through December 7, and Special Enrollment Periods apply after a move, retirement, or loss of employer coverage.
- Does it cost anything to work with your agency?
- No. St. Louis Senior Insurance is paid by the insurance carriers we represent, and your premium is the same whether you enroll with us or on your own.
- Medicare Advantage or a Medicare Supplement, which is better?
- It depends on your doctors, travel, prescriptions, and budget. We price both, from the carriers we represent, for your exact situation before recommending either.
- Can you check whether my doctor is in network?
- Yes. Before we recommend anything, we check your providers against the plans we can offer, including BJC HealthCare, Mercy Hospital St. Louis, and independent St. Louis County clinics, and we run your medication list against each plan formulary.
- Do you meet in person?
- We do home visits across St. Louis, Kirkwood, Clayton, Webster Groves, Chesterfield and the surrounding towns, and we also handle everything by phone if that's easier.