Medicare in St. Louis, MO: Your Local Guide to Coverage Options
Looking for Medicare in St. Louis?
Most residents choose between Medicare Advantage (Part C) or Medicare Supplement (Medigap) coverage. Whether you are turning 65, recently retired, or reviewing your current plan, understanding the difference matters. Open enrollment for 2026 runs from October 15 through December 7.
This page explains how Medicare works in St. Louis, MO, what options are available, and how to choose coverage that fits your doctors, prescriptions, and budget.
Medicare Options Available in St. Louis, Missouri
If you live in St. Louis or the surrounding metro area, you generally choose between two main Medicare paths after enrolling in Original Medicare (Part A and Part B).
Medicare Advantage Plans (Part C)
Medicare Advantage plans replace Original Medicare and bundle coverage into one plan. Private insurance companies approved by Medicare offer these plans. Most Medicare Advantage plans include:
- Hospital and medical coverage
- Prescription drug coverage
- Provider networks
- Copays and out-of-pocket limits
Some plans may also include added benefits like dental or vision, though coverage levels vary.
Medicare Advantage plans often appeal to seniors who want:
- Lower monthly premiums
- Bundled coverage
- Predictable copays
- Managed care through networks
Provider access matters. Networks can change by plan and year, which makes local verification important.
Medicare Supplement Plans (Medigap)
Medicare Supplement insurance works alongside Original Medicare. These plans help cover costs Medicare does not pay, such as deductibles and coinsurance. Medigap plans generally offer:
- Nationwide provider access
- Predictable medical costs
- No referral requirements
- No network restrictions
Prescription drugs are not included and require a separate Part D plan.
Medigap is often a good fit for people who:
- Travel frequently
- Want broad provider flexibility
- Prefer fewer surprise medical bills
- Use healthcare services regularly
Medicare Advantage vs. Medicare Supplement: Key Differences
Here is the simple breakdown St. Louis seniors care about most.
Medicare Advantage
- Uses provider networks
- Often lower monthly premiums
- Includes copays and annual out-of-pocket limits
- Benefits and costs can change yearly
Medicare Supplement
- Works with Original Medicare
- Higher monthly premiums
- Minimal out-of-pocket costs
- Stable benefits year to year
There is no universal “best” option. The right choice depends on your health needs, doctors, prescriptions, and financial comfort.
St. Louis ZIP Codes We Serve
We help Medicare beneficiaries throughout St. Louis and the surrounding region, including:
- 63101
- 63102
- 63103
- 63104
- 63106
Turning 65 in St. Louis, MO: What You Need to Know
If you are turning 65 in St. Louis, your Initial Enrollment Period is critical. This window starts three months before your birthday month and ends three months after.
During this time, you can:
- Enroll in Medicare Part A and Part B
- Choose a Medicare Advantage plan
- Enroll in a Medigap plan without medical underwriting in many cases
- Add prescription drug coverage
Missing this window can lead to late enrollment penalties or limited plan options later.
Planning early gives you the most flexibility.
Get Help With Medicare in St. Louis, MO
Choosing Medicare coverage is an important decision. You do not need to figure it out alone.
If you want clear answers about Medicare Advantage, Medicare Supplement plans, or turning 65 in St. Louis, help is available. Speak with someone who understands Medicare rules and the St. Louis healthcare landscape.