Licensed insurance agents helping you compare your Medicare options. Reach out today and get the answers you’re looking for.
Independent Medicare Guidance · St. Louis
Ready to Begin Your
Ready to Begin Your
Medicare Journey?
Licensed insurance agents helping you compare your Medicare options. Reach out today and get the answers you're looking for.
✓ No obligation, ever. Plain-English answers from a St. Louis team — licensed in Missouri and 15 more states.
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2013
Helping With Medicare Since
Certified Medicare Advisor, 2013
1,000s
Of Individuals Helped
and counting, since 2013
16
States Licensed
Missouri home base
$0
Cost To Work With Us
no fees, no obligation
We take the stress out of Medicare, making it easy to understand. We answer your questions, provide education, and handle all the details — big and small.
— There's no obligation
Real People, Right Here In St. Louis
You'll always talk to one of us.
No call centers, no runaround. The team that answers your first question is the same team standing behind your coverage for years to come.
Where Are You Today?
Start where you are.
No. 01
Are You 64?
The clock starts now. You're eligible to enroll in Medicare beginning three months before your 65th birthday month.
Turning 65 Guide →No. 02
Advantage or Supplement?
One size doesn't fit all. Supplement and Advantage plans fill gaps in original Medicare, covering costs like copayments and more.
Compare The Two →No. 03
Feeling Overwhelmed?
Don't let Medicare intimidate you. We're here to help you make an informed decision that fits your lifestyle.
Get Answers →The Process
Three simple steps to clarity.
01
Reach Out
Call, text, or schedule online to speak with a licensed agent. Get important information about the enrollment process and Medicare news.
02
Compare Options
What's the difference between Part A, B, and C? Do you need a supplement plan? We walk through it together, in plain English.
03
Decide with Confidence
Make an informed decision about your Medicare needs — one that fits your lifestyle. We handle the details, big and small.
Happy Clients
Why St. Louis trusts this team.
★★★★★ Real reviews from real clients Google review badge lands here after GBP build-out
"
Carl is awesome to work with. He takes the time to make sure you understand everything. He is always there to answer any concerns. I will never use anyone else.
— Cathy W. · worked with Carl
"
Very professional, patient, friendly — and took the time to explain everything to us. We did not feel rushed in making decisions. He guided us every step of the way.
— Thomas & Francine K. · worked with Carl
"
Knowledge, professionalism and availability for help or questions. Carl was new to us when we were new to this maze. He came to our home and explained all of our options.
— Luana P. · worked with Carl
Try It Yourself
Two minutes, real clarity.
60-Second Quiz
Still working past 65?
Find out whether reviewing your Medicare options is worth your time.
Do you (or your spouse) have health coverage through an employer right now?
Medicare: Myth or Fact?Tap each card to reveal the answer.
Tap to reveal
"Medicare is free once I turn 65."
Myth
Part B comes with a monthly premium, and prescription coverage is separate. That's exactly why comparing options matters.
Tap to reveal
"I'll be enrolled automatically at 65."
Myth
Only if you're already taking Social Security. Otherwise, enrolling is up to you — and the clock starts 3 months before your birthday month.
Tap to reveal
"I can sign up whenever I feel like it."
Myth
Medicare has enrollment windows — and missing yours can mean late penalties that never go away.
Tap to reveal
"Getting help comparing plans costs me nothing."
Fact
Licensed agents like our team are paid by the insurance companies — our guidance never costs you a dime, and there's no obligation.
Quick Answers
The questions everyone asks first.
If you have credible coverage through an employer or a spouse's plan, you do not have to take Part B. However, most of the time Part B may be a better option for you. If you don't have credible health coverage, you will need to take Part B to avoid any late enrollment penalties.
You can enroll as early as 3 months before your birthday month. For example, if you were born on Oct. 23, you can enroll in Medicare beginning on July 1st.
The short answer is yes. Like Social Security, you have paid for Medicare throughout your working life. Unlike Social Security, whether or not you continue to work, Medicare becomes available when you turn 65. These benefits are often much better and cost less than your current group insurance.
Unfortunately, Medicare plans are for individuals only. However, if you have a spouse that is not 65 or older, there may be additional options.
Medicare Learning CenterUnderstand it before
Browse Everything →
Understand it before
you decide.
⌛
New to Medicare?Turning 65 in St. Louis — your timeline, your choices, step by step.
🗓
Enrollment Periods & PenaltiesWhen you can enroll — and the costly penalties to avoid.
⚖
Advantage vs. SupplementThe single biggest Medicare decision, explained plainly.
💲
Costs & IRMAAPremiums, surcharges, and what your income means for both.
🦷
What's Not CoveredDental, vision, hearing — and how people fill the gaps.
📍
Medicare in Greater St. LouisLocal guides for St. Charles, Jefferson County, Metro East & more.
Medicare News & Facts
What's changing, what it means for St. Louis retirees — updated by our licensed team.
Latest Updates →
What's changing, what it means for St. Louis retirees — updated by our licensed team.
Free Download
The Turning-65 Checklist
The Turning-65 Checklist
St. Louis Edition
Every deadline, document, and decision for the year around your 65th birthday — in one printable page.
By requesting the checklist you agree that a licensed insurance agent from Retirement Resources may contact you about your Medicare options. Your information is never sold or shared. The text-message box is optional and only used for reminders you ask for.
Become Part of Our Group
Your Medicare home base.
Create a free profile so your answers are ready when you are — or sign in as a client to pick up right where we left off.
📝
Getting Ready for Medicare?
Build your free Medicare profile — add as much or as little as you like, whenever you like.
- Your date of birth & when you'd like Medicare to start
- Your doctors — so plan networks can be checked
- Your prescriptions — the #1 driver of plan fit
- Dental, vision & hearing needs and history
- Any concerns you want us to look out for
🔑
Already a Client?
Sign in to your client area — everything we've set up together, in one place.
- Your plan details & documents
- Annual review reminders, on your timeline
- Message our team anytime
- Ask questions day or night with our assistant Coming Soon
If you have questions,
we have answers.
We have helped thousands of individuals with Medicare. It is our passion to serve our clients according to their specific needs.
Prefer to talk now? Call or text(314) 248-6500We do not offer every plan available in your area. Currently we represent 9 organizations which offer 30 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
With so many different options, choosing a Medicare plan can be confusing. What is the difference between Part A and B? What about Part C? Do I need a supplement plan? What if my spouse needs insurance?
Don’t let Medicare intimidate you. We’re here to help you make an informed decision that fits your lifestyle.
Take Advantage of an Advantage or Supplement Plan
One size doesn’t fit all. Some services aren’t covered by Medicare Part A or Part B. Medicare Supplement and Advantage plans fill gaps in original Medicare, covering additional costs like copayments, coinsurance, deductibles, and more.
Are You 64?
The clock starts now. You’re eligible to enroll in Medicare beginning three months before your 65th birthday month.
Step 1
Sign up for our email list
Step 2
Get important information about the enrollment process and other Medicare news
Step 3
Make an informed decision about your Medicare needs
How We Help
If you have questions, we have answers. We have helped thousands of individuals with Medicare. It is our passion to serve our clients according to their specific needs. Our continual education allows us to equip our clients with the latest information they need to make the right choice.
We take the stress out of Medicare, making it easy to understand. We answer your questions, provide education, and handle all the details—big and small.
— Carl Berger, Principal
Trusted by Thousands
Real stories of clarity, care, and peace of mind. We’re grateful for every kind word, see why so many trust Carl with their Medicare journey.
We’re grateful for every kind word, see why so many trust Carl with their Medicare journey.