Working with an agent
Working With a Licensed Insurance Agent in St. Louis, MO
At St. Louis Senior Insurance, a licensed insurance agent helps people turning 65, people already on Medicare who want a second look, and families helping a parent pick coverage. You don't pay us for any of it.
Call during business hours and a licensed agent answers. Next January, if a bill looks wrong, you call the same number.
- Licensed insurance agents, by phone
- Doctors and prescriptions checked before any suggestion
- Free help, and you don't have to enroll
- One number to call back at renewal time
Talk with a licensed insurance agent in St. Louis
Send us your doctors and prescriptions. A licensed agent checks them in the plans we represent for your ZIP code and calls you back on a weekday. It's free, and you can keep the plan you have.
What to expect
Free review- A licensed agent calls you back during business hours, Mon-Fri, 8:30am-5:30pm CT
- Your doctors and prescriptions get checked before any plan is suggested
- No fee for our help, and your premium is the same either way
- No obligation to enroll, and no pressure if you'd rather stay put
Reviewed by the licensed insurance agents at St. Louis Senior Insurance. Last reviewed: October 2026. Office hours: Mon-Fri, 8:30am-5:30pm CT.
Thanks, we have your request.
A licensed agent will call you during business hours, Mon-Fri, 8:30am-5:30pm CT. If you'd rather not wait, call 314-463-5815 now.
How it works
What a licensed agent does for you
We start by asking who your doctors are. A plan can look fine on paper and still leave out the cardiologist or eye doctor you see every few months. You only find that out if someone checks before you enroll.
Then we write down your providers and medications and price each plan we offer with that list. Sometimes the plan you already have comes out ahead of everything we can show you. When that happens, we tell you.
Medicare is a federal program, but private plans are sold county by county. Around St. Louis, what you need to know is which plans work with BJC, Mercy, SSM Health and St. Luke's doctors this year, and which ones dropped a group of doctors at the last renewal.
Process
A free plan review, step by step
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1
You call or request a callback
Let us know if you're turning 65, already on Medicare, or calling for a parent. A licensed agent calls you back on a weekday.
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2
We list your doctors and drugs
Your family doctor, your specialists, the hospital you prefer, your pharmacy, and each prescription with its dose.
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3
We compare the plans we represent
We check networks and add up drug costs, premiums, copays and the out-of-pocket cap for a full year.
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4
You decide, and we stay on call
If you enroll, we do the application with you. Whether you do or not, you can call us with billing or claim questions, and we'll recheck your plan each fall.
Want to read first? Try turning 65 in St. Louis, compare Medicare Advantage and Medigap, or see when you can switch your plan.
Scope
Carriers represented and communities served
The carriers we represent
Several Medicare carriers have appointed us, and we compare their plans for your ZIP code. On the phone, ask us which carriers we represent for the type of plan you want.
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.
Communities served
St. Louis City, St. Louis County and St. Charles County, including Kirkwood, Webster Groves, South County, Chesterfield, Florissant and St. Charles. See all of our service areas.
- Phone appointments with a licensed insurance agent
- Free help
- You never have to enroll
- One number to call each year
Local care
Why it helps to know St. Louis hospitals
Plans sold in St. Louis and St. Charles counties don't all contract with the same hospitals. Before you sign, an agent should check whether the plan includes Barnes-Jewish, Missouri Baptist, Mercy Hospital St. Louis, SSM Health Saint Louis University Hospital or St. Luke's in Chesterfield, whichever one you'd use. If you're a veteran who gets care at the John Cochran or Jefferson Barracks VA medical centers, ask how VA care and Medicare work together, because the VA does not bill Medicare. For free, unbiased counseling, call Missouri SHIP at 800-390-3330.
Questions
Questions about working with an agent in St. Louis
Will I pay more if I enroll through a licensed insurance agent?
Can an agent show me every plan sold in St. Louis?
How is an agent different from Missouri SHIP?
If I talk to an agent, do I have to sign up for something?
How can I check that an agent is licensed in Missouri?
Bring your list to a licensed agent
Have your doctors and prescriptions handy. We'll go through the plans we offer and tell you where each one comes up short.