Find Medicare Insurance Agents in St. Louis, Missouri
Licensed independent agents serving St. Louis City
Choosing the right Medicare Supplement plan in St. Louis is one of the most important financial decisions you'll make in retirement. A licensed Medicare insurance agent can walk you through every plan option available in St. Louis City, compare costs from multiple carriers, and help you enroll — at no cost to you. Agents are paid by the insurance companies, so their guidance is free.
Questions to Ask Medicare Agents in St. Louis, Missouri
- How many Medicare insurance companies do you represent in Missouri?
- Can you show me a comparison of premiums from multiple carriers for Plan G?
- Do rates increase as I get older, and by how much have they increased historically?
- Are there any tobacco-use or health underwriting requirements that could affect my eligibility or rate?
- What is the difference between Medicare Supplement and Medicare Advantage, and which is better for my situation?
Find a Licensed Medicare Agent Near You in St. Louis
Use the directory below to connect with licensed, independent Medicare insurance agents serving St. Louis and the surrounding St. Louis City area. Independent agents represent multiple carriers so they can compare plans and rates on your behalf.
Find Medicare Agents in St. Louis →
Facts About Medicare in Missouri
- Medicare Supplement insurance costs vary significantly in the St. Louis area — one company may charge twice as much as another for the exact same coverage.
- Rates shown are for non-tobacco users age 65; actual premiums reported as of May 25, 2020.
- Plan G is available from at least 17 different insurance companies in Missouri.
- The American Association for Medicare Supplement Insurance (AAMSI) provides a free, private online directory to connect consumers with local Medicare agents in St. Louis.
- Medicare agents serve a wide geographic area including dozens of municipalities in St. Louis County, St. Charles County, and the Springfield metro area.
Missouri Medicare Advantage Plans
The page does not include a dedicated Medicare Advantage section. Consumers in St. Louis interested in Medicare Advantage plans are encouraged to connect with a local Medicare insurance agent who can compare both Medicare Supplement and Medicare Advantage options available in their area.
Medigap Insurance Companies in St. Louis, Missouri
The following carriers offer Medicare Supplement plans to St. Louis-area residents. Premiums vary significantly between companies for identical plan benefits — comparing quotes is essential.
- Aetna Health Insurance Company
- AARP Unitedhealthcare
- United American Insurance
- GPM Health and Life Insurance Company
- Assured Life Association
- American National Life Insurance
- Transamerica
- Anthem
- The Order of United Commercial Travelers
- Humana Insurance Company
- The Manhattan Life Insurance Company
- Omaha Insurance Company
- Garden State Life Insurance Company
- Lumico Life Insurance Company
- Prosperity Life Group
- Unitedhealthcare
- Cigna Health and Life Insurance
Estimated Medigap Plan G & Plan N Rates — St. Louis, Missouri (Zip 63101)
Estimated rates for Zip 63101. Contact a licensed agent for current quotes.
Plan G Rates
| Gender | Lowest Monthly Premium | Highest Monthly Premium |
|---|---|---|
| Male (Age 65) | $148.89 | $298.82 |
| Female (Age 65) | $131.41 | $268.74 |
Frequently Asked Questions
What is the best Medicare Supplement plan in St. Louis?
Plan G is the most comprehensive Medigap plan available to new Medicare enrollees. It covers everything Medicare covers except the Part B deductible. Plan N offers lower premiums with small copays for office and ER visits.
When is the best time to enroll in Medicare Supplement in Missouri?
During your 6-month Medigap Open Enrollment Period, which begins the month you are both 65 and enrolled in Part B. During this window no insurer can deny you coverage or charge more due to health conditions.
Do I need a referral to see a specialist with a Medigap plan?
No. Original Medicare does not require referrals. You can see any specialist who accepts Medicare anywhere in the United States with no prior authorization required.
Can I switch Medicare Supplement plans after I enroll?
Yes, but outside of your Open Enrollment Period you may be subject to medical underwriting. If you are in good health, switching to a lower-cost carrier for the same plan level is often straightforward.