--- title: Medicare description: Get expert Medicare guidance from Kershaw Retirement Solutions. Compare your options and choose a plan that fits your healthcare needs and budget. image: https://kershawretirement.com/hubfs/Plan%20Today.%20Retire%20with%20Confidence.%20(6).png --- [Skip to main content](https://kershawretirement.com/en-us/medicare#main-content) Call Us Today. [636.778.0221](tel:6367780221) [![Kershaw Retirement](https://kershawretirement.com/hs-fs/hubfs/Black%20and%20Green.png?width=200&height=133&name=Black%20and%20Green.png) ![Kershaw Retirement](https://kershawretirement.com/hs-fs/hubfs/Black%20and%20Green.png?width=200&height=133&name=Black%20and%20Green.png)](https://kershawretirement.com?hsLang=en-us) - [Home](https://kershawretirement.com) - [Show submenu for About About](https://kershawretirement.com/en-us/about-us) - [Community Impact](https://kershawretirement.com/en-us/community-impact) - [Show submenu for Solutions Solutions](https://kershawretirement.com/en-us/retirement-planning) - [Retirement Planning](https://kershawretirement.com/en-us/retirement-planning) - [Social Security Planning](https://kershawretirement.com/en-us/social-security-planning) - [Medicare](https://kershawretirement.com/en-us/medicare) - [Insurance Solutions](https://kershawretirement.com/en-us/insurance-solutions) - [Supplemental Coverage](https://kershawretirement.com/en-us/supplemental-coverage) - [Federal Employee Benefits](https://kershawretirement.com/en-us/federal-employee-benefits) - [Resources](https://kershawretirement.com/resources) - [Educational Events](https://kershawretirement.com/events) - [Contact](https://kershawretirement.com/en-us/contact-us) Open main navigation Close main navigation - [Home](https://kershawretirement.com) - Show submenu for About About - About - [About](https://kershawretirement.com/en-us/about-us) - [Community Impact](https://kershawretirement.com/en-us/community-impact) - Show submenu for Solutions Solutions - Solutions - [Solutions](https://kershawretirement.com/en-us/retirement-planning) - [Retirement Planning](https://kershawretirement.com/en-us/retirement-planning) - [Social Security Planning](https://kershawretirement.com/en-us/social-security-planning) - [Medicare](https://kershawretirement.com/en-us/medicare) - [Insurance Solutions](https://kershawretirement.com/en-us/insurance-solutions) - [Supplemental Coverage](https://kershawretirement.com/en-us/supplemental-coverage) - [Federal Employee Benefits](https://kershawretirement.com/en-us/federal-employee-benefits) - [Resources](https://kershawretirement.com/resources) - [Educational Events](https://kershawretirement.com/events) - [Contact](https://kershawretirement.com/en-us/contact-us) - [Make an Appointment](https://kershawretirement.com/en-us/contact-us) [Make an Appointment](https://kershawretirement.com/en-us/contact-us?hsLang=en-us) # 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](https://kershawretirement.com/hs-fs/hubfs/Portrait%20of%20happy%20female%20patient%20showing%20thumbs%20up%20sign%20while%20standing%20with%20doctor%20in%20clinic.jpeg?width=1000&height=667&name=Portrait%20of%20happy%20female%20patient%20showing%20thumbs%20up%20sign%20while%20standing%20with%20doctor%20in%20clinic.jpeg) ## 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 [![FREE MEDICARE GUIDE Confused about Medicare? You're not alone.   Our free guide explains the basics in plain English so you can understand your options, avoid costly mistakes, and feel confident about your Medicare decisions.  ](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/246124490/interactive-375779144390.png)](https://kershawretirement.com/hs/cta/wi/redirect?encryptedPayload=AVxigLI%2BNi82jzols4HZYhkjNMNyXyFmLqnCqDlXVsSqqzKCu1jA58%2FQOZs%2F5qqRYwb0UVufHrmwlf4XbxNVJIFBzgu3eTWDzySsp29GX6Y7l42s7vylAgxvMI8l%2FQE64gJpjfvHuNl9N6dJKmm0iSwmM2LhGdl7d4dNdziL3fO%2BOcB5NAmE%2FUkoe3LmL7qDiSkkBxv637hZHnwfZ8dJRpBK%2F3cvL%2BAT1jeQHg%3D%3D&webInteractiveContentId=375779144390&portalId=246124490&hsLang=en-us) ### 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 can help with: ###### A Relationship built on education and trust. ###### Family owned and operated ###### Over 40 years of combined experience ###### Ongoing support and annual reviews ###### Personalized guidance ## 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.       ### Ready to feel confident about your Medicare coverage? Schedule your free Medicare consultation today and get personalized guidance based on your needs, doctors, and prescriptions. [Schedule Your Medicare Review](https://kershawretirement.com/en-us/contact-us?hsLang=en-us) [![Black and Green](https://kershawretirement.com/hs-fs/hubfs/Icons%20and%20Logos/Black%20and%20Green.png?width=200&height=133&name=Black%20and%20Green.png)](https://kershawretirement.com?hsLang=en-us) Plan Today. Retire with Confidence. - [Home](https://kershawretirement.com) - [About](https://kershawretirement.com/en-us/about-us) - [Solutions](https://kershawretirement.com/en-us/retirement-planning) - [Resources](https://kershawretirement.com/resources) - [Educational Events](https://kershawretirement.com/events) - [Contact](https://kershawretirement.com/en-us/contact-us) ©2026 Kershaw Retirement Solutions. All rights reserved. [Privacy Policy](https://kershawretirement.com/privacy-policy?hsLang=en-us) - - -