Medicare Plans
Medicare Supplement (Medigap) Plans in St. Louis, MO
Original Medicare covers a big share of your hospital and doctor bills, but it leaves some for you. A Medicare Supplement plan, also called Medigap, pays most of those leftover deductibles, coinsurance and copays, so your year costs about the same whether you're healthy or not.
Every Medigap plan with the same letter pays the same benefits, no matter which company sells it. A Plan G is a Plan G. What changes from one company to the next is the price, the service and how rates climb over time.
- See any doctor who takes Medicare
- A steady premium with few surprise bills
- No network and no referrals
- Coverage that travels anywhere in the U.S.
Compare Medicare Supplement plans with a local team
A licensed insurance agent prices Plan G, Plan N and high-deductible Plan G with the companies we represent in Missouri, based on your budget and how often you see the doctor.
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.
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How it works
Medicare pays its share, then Medigap pays most of yours
Original Medicare (Part A and Part B) stays your main coverage. Say you have a procedure at Missouri Baptist, Mercy Hospital St. Louis or Saint Louis University Hospital. The bill goes to Medicare first, and whatever Medicare doesn't pay passes to your Medigap company on its own. With Plan G, most people only owe the yearly Part B deductible for Medicare-covered care. In 2026 that deductible is $283.
Since Medigap has no network, you never need to ask whether a doctor is "in plan." If they take Medicare, you're covered, in St. Louis or anywhere else in the country. Medigap leaves out drugs, so most people add a standalone Part D drug plan.
That matters in a metro with several big hospital groups. You might see your family doctor through Mercy, a heart specialist at Barnes-Jewish and an orthopedic surgeon at St. Luke's in Chesterfield. With Medigap, any of them that take Medicare work the same way. Veterans can use the John Cochran or Jefferson Barracks VA medical centers alongside it. We help people across the St. Louis area.
Compare
Plan G vs. Plan N vs. High-Deductible Plan G
| Plan | Monthly premium | What you pay | Usually suits |
|---|---|---|---|
| Plan G | Highest of the three | Only the yearly Part B deductible | People who want the fewest bills and a steady year |
| Plan N | In the middle | Part B deductible, small office and ER copays, possible excess charges | Healthy people who see the doctor now and then and want a lower premium |
| High-Deductible Plan G | Lowest | Full Plan G benefits after a high yearly deductible | People watching the premium who can handle more cost in a bad year |
Rates go up, benefits stay put
The law locks Medigap benefits in place, so price is what you watch. We can re-shop your Plan G or Plan N each year, and Missouri's anniversary rule makes that move easier than in most states.
No prescriptions in Medigap
Plan on a separate Part D plan. If you skip it when you first qualify and have no other creditable drug coverage, a late penalty can follow you for good.
Timing
Your first six months on Part B matter most
For six months starting the month you're 65 or older and enrolled in Part B, you can buy any Medigap plan sold in Missouri without answering health questions. During that stretch, a health problem can't raise your price or get you turned down.
Missouri applies this six-month window to people under 65 too. If you're on Medicare because of a disability, you get the same guaranteed right to buy when you join Part B. Rates for people under 65 can run higher. At 65 you get a second open enrollment and can choose any plan at standard 65-year-old rates.
Once your window closes, companies can ask about your health. Plenty of people still pass, but a recent heart procedure, oxygen use or insulin-dependent diabetes can narrow the choices. If you're turning 65 in St. Louis, call us about three months ahead.
- Six-month guaranteed-issue window opens with Part B
- Missouri gives the same window to people under 65 on disability
- Guaranteed renewable as long as you pay the premium
- Special guaranteed-issue rights apply if a plan leaves your area
Missouri rule
Missouri's yearly Medigap anniversary switch
Missouri has a rule most states don't. Every year, in the 30 days before or the 30 days after your policy's anniversary date, you can move your Medigap plan to a different insurance company without health questions. The catch is that you have to keep the same plan letter. Plan G can move to another company's Plan G, and Plan N to another Plan N.
Your anniversary date is usually the date your policy first started. Your insurer can confirm it. Say your policy renews July 1. You could apply for a new company's policy any time from early June to the end of July. Don't cancel the old policy until the new one is in force.
That's why we re-check Medigap prices for St. Louis clients every year. If another company sells the same plan for less, the anniversary window lets you move without passing underwriting.
Is it right for you?
Who tends to pick Medigap around St. Louis
-
You see several specialists
Cardiology, cancer care or orthopedic visits stack up fast with copays. Medigap keeps those costs level. -
You want to know your costs
On a fixed income, many people would rather pay a known premium than risk hitting an out-of-pocket maximum. -
You travel or spend winters away
Your coverage goes with you to any U.S. doctor who takes Medicare. No out-of-area network to worry about.
If a lower monthly cost and built-in dental or fitness extras matter more to you, look at Medicare Advantage in St. Louis, or read the Advantage vs. Medigap comparison first.
Underwriting
Applying outside a protected window
During your six-month open enrollment, your Missouri anniversary window (same plan letter only), or a guaranteed-issue right, the company can't ask health questions. At other times, it can. Expect questions about diagnoses, surgeries, medications and any tests you're waiting on. The company can say no or quote a higher rate.
Federal guaranteed-issue rights cover set situations: your Advantage plan leaves your area, an employer group plan ends, a company misled you, or you drop an Advantage plan within the 12-month trial after first joining one at 65. These windows are short. We ask about your health history before we start an application so you don't end up with a decline.
If underwriting looks like a problem, we'll tell you and look at Medicare Advantage instead. Already on a plan and thinking about a change? See switching your Medicare plan.
Rates
Rate increases, travel and the yearly re-shop
How Medigap prices change
The benefits never change, so price is the only thing that does. Many companies price by attained age. Your premium goes up as you age, and again when the company files a general increase. Two companies selling the same Plan G can end up far apart after a few years.
In Missouri, the anniversary window lets you move to the same plan letter at another company without health questions. Moving to a different letter outside that window usually means underwriting, so it's best done while you're healthy.
Travel and access
With Original Medicare behind it, Medigap works with any provider in the country who takes Medicare. There's no out-of-area rule, no referral and no network to check before you see a specialist outside St. Louis.
Plan G and Plan N include limited emergency coverage for foreign travel. It has a deductible and a cap. It helps, but it won't stand in for travel medical insurance on a long trip overseas.
Common questions
Medigap questions to ask before you apply
How early should I apply?
Do I need Part D too?
What is Missouri's Medigap anniversary rule?
Can I get Medigap in Missouri if I'm under 65?
Can my Medigap policy be cancelled?
Can I still buy Plan F?
Is there free Medigap counseling in Missouri?
Plan G or Plan N: which fits your year?
We'll price both with the companies we represent in Missouri and show you the difference in dollars. Free, with no obligation.