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Licensed Medicare help in St. Louis, MO

Medicare help for St. Louis, in plain English.

Talk through Medicare Advantage, Medigap and Part D with the licensed agents at St. Louis Senior Insurance. Before we suggest a plan, we look up your doctors in St. Louis area networks, price your prescriptions and add up what the year would cost you.

Call us: 314-463-5815 Get a free plan review
  • Licensed insurance agents
  • Independent, several carriers
  • Free help, no obligation
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Have an agent call me

Takes under a minute.

Free

By submitting, you agree a licensed agent may call you about Medicare or final expense options. No obligation to enroll.

Licensed agents available Mon-Fri, 8:30am-5:30pm CT.

St. Louis Senior Insurance is licensed and independent. We compare plans from the Medicare carriers we represent and explain how each one fits your doctors, prescriptions and budget. We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Reviewed by the licensed insurance agents at St. Louis Senior Insurance. Last reviewed: October 2026. Office hours: Mon-Fri, 8:30am-5:30pm CT.

Medicare tools

Three tools that answer a real question

These are the questions that actually decide which plan fits, not which brochure looks best. Pick one and start.

Find your Medicare enrollment window

Enter your date of birth and we'll map out your Initial Enrollment Period, the month to apply, and when coverage could start.

Annual Enrollment runs Oct 15 to Dec 7

Plans in St. Louis and St. Charles counties can change their networks, drug lists and premiums every January. A free review tells you whether yours still works for next year.

See what to review

Turning 65 in the next six months?

Your Initial Enrollment Period starts three months before your birthday month. If you miss it, a Part B penalty can stay on your premium for as long as you have Part B.

Find my enrollment dates

Coverage

Medicare coverage we help St. Louis residents compare

No single carrier employs us. We lay out the plans we can offer, explain what each one gives up, and let your numbers point to the right fit.

A smiling older couple sitting side by side on their living room couch
Part C

Medicare Advantage

One plan that covers hospital, doctor and usually drugs, often with dental and vision added, all inside a network. We check whether your family doctor and your specialists are in the networks of the plans we can offer in your ZIP code before you sign anything.

  • Your own doctors checked in the network
  • A yearly cap on out-of-pocket costs
Check My Network Options How Medicare Advantage works in St. Louis →

Medicare Supplement

  • Any doctor who takes Medicare
  • Past rate increases checked, too
Medigap

Medicare Supplement

Steady costs, and you can see any provider in the country who takes Medicare. That helps if you spend winters away from St. Louis or visit grandkids out of state. We put Plan G and Plan N next to each other so you can see what the extra premium buys.

Compare Medigap Options How Plan G and Plan N differ →

Prescription Drug Plans

  • A full-year cost for your drugs
  • Pharmacy prices compared
Part D

Prescription Drug Plans

We enter your medications, with doses, into the plans we represent and add up the full cost for a year. The monthly premium is only part of it. We also check which pharmacy near you prices your drugs lowest, whether that's a Schnucks or another store.

Get My Drug Cost Estimate How Part D pricing works →

Already on Medicare?

  • We'll say so if you should stay put
  • Switching windows in plain words
Second opinion

Already on Medicare?

We'll look over the plan you have now. If it beats what we can offer, we'll tell you to keep it, and we'll check it again next fall.

Review My Current Plan When you're allowed to switch plans →

Your first Medicare decision

  • Dates laid out so you avoid penalties
  • Job coverage checked first
Turning 65

Your first Medicare decision

You get a seven-month Initial Enrollment Period and one six-month Medigap open enrollment window, and the rules shift if you keep working past 65. Line up those dates once and you stay clear of late penalties.

Map Out My Enrollment Dates The turning-65 timeline for St. Louis →

Why choose us

Plain answers from local, licensed agents.

St. Louis Senior Insurance is independent. You talk with a licensed agent, and we explain why we suggest what we suggest.

  • A licensed agent on the phone

    You talk with a licensed insurance agent who works on Medicare every day. Nobody reads you a script.

  • Your doctors come first

    We look up your providers and price your prescriptions in the plans we can offer, and only then make a suggestion.

  • No cost to you

    The carriers we represent pay us. Your premium is the same either way.

  • We know St. Louis care

    BJC, Mercy, SSM Health and St. Luke's don't all sit in the same networks. We check which plans include the doctors you see.

  • A one-page comparison

    You get your options on one page with full-year numbers, so you don't have to dig through carrier brochures.

  • A check every fall

    Plans change on January 1. Each fall we run your numbers again and only suggest a change if it saves you money or keeps your doctors.

Call us: 314-463-5815

We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

The process

How a free plan review works

Four steps. You can stop at any one of them.

Start step one

  1. A short conversation

    Call or fill out the form. We ask about your doctors, your medications, your budget and anything that bothered you about your last plan.

  2. Your options on one page

    We price the plans we can offer in your ZIP code and put them on one page you can read at the kitchen table.

  3. We enroll you together

    If you pick a plan, we fill out the application with you by phone or online and confirm the date it starts.

  4. A look every fall

    Plans reset each January. We check your plan again every fall and tell you if a change makes sense.

Service area

Medicare help across the St. Louis area

Medicare Advantage networks are built county by county. Around St. Louis, a plan might include Barnes-Jewish and Missouri Baptist but leave out Mercy or SSM Health, and those contracts can change from year to year. We look up your own doctors in the plans we represent before we suggest one.

We help people by phone from Florissant down to Mehlville and Oakville, and from the city out to Chesterfield and St. Charles. If you spend part of the year in another state, tell us. That can change which type of plan works best.

  • Barnes-Jewish Hospital (BJC HealthCare)
  • Mercy Hospital St. Louis
  • SSM Health Saint Louis University Hospital
  • Missouri Baptist Medical Center
  • St. Luke's Hospital, Chesterfield
  • VA St. Louis Health Care System (John Cochran and Jefferson Barracks)
The Gateway Arch and downtown St. Louis above the Mississippi River at sunset
Serving St. Louis City, St. Louis County and St. Charles County.

Find Medicare help near you

Free review · no obligation

Ready whenever you are.

One call gets it started. If the plan you have beats what we can offer, we'll tell you and leave it alone.

  • No fee. The carriers we represent pay us
  • Licensed insurance agents
  • Your doctors and prescriptions checked first
  • If your plan already fits best, we'll tell you to keep it
314-463-5815

Mon-Fri, 8:30am-5:30pm CT · St. Louis, MO

Reviewed by the licensed insurance agents at St. Louis Senior Insurance. Last reviewed: October 2026. Office hours: Mon-Fri, 8:30am-5:30pm CT.

Request a free Medicare review

Takes under a minute.

Free

By submitting, you agree a licensed agent may call you about Medicare or final expense options. No obligation to enroll.

FAQ

Medicare questions we hear in St. Louis

Have another question? Call us at 314-463-5815 or read the full Medicare FAQ.

When can I sign up for Medicare in St. Louis?

Your first chance is the Initial Enrollment Period: the three months before the month you turn 65, your birthday month, and the three months after. Each fall, Annual Enrollment runs October 15 through December 7. A move, a retirement or losing job-based coverage can also open a Special Enrollment Period.

Do you charge for your help?

No. The insurance carriers we represent pay St. Louis Senior Insurance. You pay the same premium for a plan whether you enroll with us or go to the carrier yourself.

Should I pick Medicare Advantage or a Medicare Supplement?

That comes down to your doctors, your prescriptions, how much you travel and what you can spend each month. We price both types from the carriers we represent before we suggest one. The side-by-side comparison lays out the trade-offs.

Will you check if my doctor takes the plan?

Yes, and we do it before we recommend anything. Doctors in the St. Louis area work with BJC HealthCare, Mercy, SSM Health, St. Luke's and plenty of independent practices, and each plan network can include some and leave out others. We look up your providers in the networks we can offer and run your drug list against each plan's formulary.

Do I have to come into an office?

No. Most reviews happen by phone. Call us or fill out the short form, and a licensed agent will set up a time that suits you, Monday through Friday.

Where can I get free Medicare counseling in Missouri?

Missouri SHIP, the state's free Medicare counseling program, has trained volunteers who answer questions at no charge. It used to be called CLAIM. Call 800-390-3330. If you've already talked with a SHIP counselor, we're glad to pick up from there.

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