Medicare Insurance in St. Louis, MO

Q: What is the difference between Medicare Advantage and a Medicare Supplement?

Medicare Advantage (Part C) bundles coverage through a private plan, usually with a network. A Medicare Supplement (Medigap) works alongside Original Medicare and lets you see any doctor who accepts Medicare.

Retirement Resources Inc. is a local, independent, licensed insurance agency in St. Louis. We help people turning 65 -- and anyone already on Medicare -- compare Medicare Advantage, Medicare Supplement (Medigap), and Part D drug plans from multiple carriers, at no cost to you. Call or text the Retirement Resources team at (314) 248-6500.

Why a local, independent agent (not a 1-800 number)

Here's what we'd tell our own families: when you call a national 1-800 line, you get whoever picks up and the plans that company is paid to sell. When you work with us, you get a local team that has helped thousands of families with Medicare since 2013. We live and work here, represent multiple major carriers, and stay with you year after year -- consistent, hands-on education and personal service for as long as you're on Medicare, not a one-time call.

Local. We help clients across the St. Louis metro, on both the Missouri and Illinois sides.
Independent. We are not tied to one insurance company, so the job is to find the plan that fits you -- not push a brand.
Ongoing. We are the same call or text next year, when your plan or your health needs change.

There is no cost to you, and no obligation.

What we help with

New to Medicare / turning 65 -- what to do, when to do it, and how to avoid late-enrollment penalties.
Medicare Advantage (Part C) vs. Medicare Supplement (Medigap) -- the real trade-offs, in plain English.
Part D prescription coverage -- matching your medications to a plan that covers them.
A second look at your current plan -- making sure what you have still fits before the next enrollment period.

How it works

Call or text (314) 248-6500, or use the form below.
We set up a free, no-pressure consultation -- phone, video, or in person.
We walk through your options in plain language and answer your questions.
If you'd like help enrolling, great. If not, no problem -- there is no obligation.

Prefer to meet face to face? We come to your home across the metro and the surrounding counties, meet at our office, or sit down over coffee at a local Panera -- whatever is easiest for you. That is the whole idea: clear answers, on your terms, your decision.

Serving the St. Louis metro

We help Medicare-eligible adults across St. Louis City and County and the surrounding Missouri and Illinois communities -- including Chesterfield, Ballwin, O'Fallon, Wildwood, Kirkwood, Creve Coeur, and Ladue. Retirement Resources Inc. is licensed in Missouri, Illinois, and 13 other states.

Helping families with Medicare since 2013 -- thousands served.

Your Medicare options are reviewed by our licensed Medicare specialists, including Katie, licensed in Missouri, Illinois, and Florida.

Frequently asked questions

Does it cost anything to use a licensed insurance agent?

No. Our help is free to you. Agents are paid by the insurance carriers, and that does not change your premium -- you pay the same whether you enroll through us or on your own.

What is the difference between Medicare Advantage and a Medicare Supplement?

In short: Medicare Advantage (Part C) bundles your coverage through a private plan, usually with a network and some extra benefits. A Medicare Supplement (Medigap) works alongside Original Medicare to help pay your out-of-pocket costs and lets you see any doctor who accepts Medicare. Which one fits depends on your doctors, your medications, and your budget -- that is what we help you sort out.

When can I enroll in Medicare?

Your first window is the 7-month Initial Enrollment Period around your 65th birthday. After that, the Annual Enrollment Period runs October 15 to December 7 each year, and certain life events open a Special Enrollment Period. We will help you figure out which one applies to you.

Do you help people in Illinois too?

Yes. We are licensed in both Missouri and Illinois and help clients throughout the St. Louis metro on both sides of the river.

Talk to a local, independent, licensed insurance agent -- free.

Call or text the Retirement Resources team: (314) 248-6500

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Prefer we reach out? Send your info and we'll call you back -- no cost, no obligation.

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By submitting this form, I authorize a licensed insurance agent to contact me regarding Medicare plan options and other insurance-related products available in my area.