Missouri Medicare Supplements
Get a Quote »We are an independent agency offering Medicare supplement insurance quotes in Missouri. Our clients can compare quotes, rates, and benefits from the leading providers offering Medigap insurance plans and enroll direct through us at no additional cost.
Our agency represents several highly rated insurance companies offering supplemental coverage in MO.
We represent all carriers direct including AARP, Anthem Blue Cross and Blue Shield, American Continental, American Republic, Assured Life, Gerber Life, Heartland, Loyal American, Family Life, Marquette National, Mutual of Omaha, United Healthcare and many others.
If you are near age 65 and in open enrollment, new to Medicare disability, or looking to reduce your monthly premiums during your yearly anniversary window – then we can help you find and enroll in the most affordable Medigap coverage that meets your needs.
Which Medicare Supplement Plan Is Right For You?
Currently, there are ten modernized Medicare supplement insurance plans labeled A through N. Plan A will cover basic benefits while Plan F offers the most comprehensive coverage.
The other plans, B through M, offer varying amounts of coverage. Plan premiums increase as you move from plan A to plan F.
In Missouri, plans F, G, and N are the most popular supplements when coupled with prescription drug coverage Part D.
Additionally, some insurance providers offer high deductible Plan F Medicare supplement coverage.
High deductible Plan F will provide coverage once the annual deductible of $2070 has been met each year. Typically HD Plan F is one of the most affordable coverage options available.
Other carriers offer “select” plans with a certain network of doctors and hospitals. Assuming the insured stays in network, these plans are also less expensive. Network driven select plans can limit your options when needing care and are therefore not as popular as traditional non-network coverage options.
Medicare Open Enrollment Window In Missouri
If you are newly enrolled into Medicare Parts A and B at age 65, you cannot be denied a Medigap policy due to your health history and all plans are available for purchase. This is known as the open enrollment period and lasts approximately six months and includes the three months on either side of your birthday month.
Additionally, if you are involuntarily losing group health insurance and are enrolled or soon to be enrolled in both Medicare Parts A and B, then you also are eligible to purchase a supplemental policy without medical underwriting. Not all plans are guaranteed issue when group coverage is lost however. It is a good idea to speak with us about all available options.
Medicare Disability Insurance Under Age 65
If you have recently qualified for Medicare Disability, you are also eligible to purchase supplemental coverage during your open enrollment. This is also a six month period of time when insurance companies cannot decline coverage for most plans.
If this window is missed, then underwriting will need to take place and the insured may likely be declined due to poor health. Rates will vary dramatically between insurers for supplemental insurance under age 65, so it is wise to shop around with an agency (like ours) who represents several providers.
Missouri Yearly Anniversary Medicare Supplement Rule
Each year there is an open enrollment period for those with existing supplemental coverage. The window encompasses 30 days before and after your specific policy anniversary date and allows you to switch to a like plan. For example, if you own a Plan F, then you will be allowed to switch to a new Plan F with another Medicare insurance provider without medical underwriting.
The new insurance company cannot deny coverage nor impose any waiting period for preexisting conditions. You will be required to show proof of your existing coverage for approval. Many states have no such anniversary rule, so this is a great way to lower your monthly premiums every couple of years while maintaining the same coverage and benefits.
Contact Us To Compare Rates
We are an independent agency offering supplemental insurance coverage direct in all of Missouri; including St. Louis, Kansas City, Jefferson City, Columbia, Springfield and beyond. There are no additional costs or fees to enroll through our agency as all prices are controlled by law.
We represent several providers direct including Anthem Blue Cross Blue Shield, AARP, Mutual of Omaha, Family Life, Gerber Life and many others. Contact us for more information today!