Medicare Planning in St. Louis, MO & Surrounding Areas

Choosing the right Medicare plan can feel overwhelming but you don’t have to figure it out alone. At Kershaw Retirement Solutions, we help individuals across the St. Louis metro area, Missouri, and Southern Illinois understand their options and make confident decisions about their healthcare coverage.

Whether you’re turning 65 and enrolling in Medicare for the first time, leaving employer coverage or retiring soon, or already enrolled but unsure if your current plan is best, we provide personalized guidance to help you avoid costly mistakes and choose coverage that fits your needs and budget.

Portrait of happy female patient showing thumbs up sign while standing with doctor in clinic

Why Choose Kershaw Retirement Solutions?

We believe insurance should be about people, not products.

Our approach focuses on understanding your goals before recommending solutions that fit your unique situation.

We help with:

Protecting your family

Creating dependable retirement income

Building tax-advantaged financial strategies

Planning for healthcare expenses

Comparing multiple insurance carriers

Reviewing existing policies and coverage

Coordinating your insurance with your overall retirement plan

Creating personalized insurance strategies that evolve with your needs

Your Medicare Options

Original Medicare (Part A&B)

Coverage for hospital and medical services
Freedom to see any provider that accepts Medicare nationwide
Prescription drug coverage (Part D) is separate
May require a Medicare Supplement (Medigap) to reduce out-of-pocket costs

Common Medicare Mistakes

Many people make costly Medicare decisions simply because they don’t have the right guidance.

Common mistakes include:

Missing enrollment deadlines and facing penalties

Choosing a plan based only on premium instead of total cost

Not checking if doctors or prescriptions are covered

Failing to review coverage annually during enrollment periods

How We Can Help

We don't just explain Medicare, we help you make the right decision for your unique situation.

Medicare Parts A, B, C, and D explained clearly

Choosing between Medicare Advantage and Medigap

Finding a plan that fits your healthcare needs and budget

Reviewing your doctors and prescriptions for plan compatibility

Avoiding penalties and coverage gaps

Annual reviews during enrollment periods

Frequently Asked Questions

Please reach us at medicare@kershawretirement.com if you cannot find an answer to your question.

When should I enroll in Medicare?

Your Initial Enrollment Period begins 3 months before you turn 65 and ends 3 months after. Missing deadlines will lead to penalties, so it’s important to plan ahead.

Can I change my plan later?

Yes — you can review and change plans annually during the Annual Enrollment period.

What if I'm still working at 65?

You may be able to delay some parts of Medicare depending on your employer coverage. We’ll help you make the best choice without being penalized.