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.
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
Medicare Advantage (Part C)
- All-in-one plan including Part A&B
- Often include Part D (prescription drug coverage)
- Usually include additional benefits like dental, vision, or hearing
- Typically require using a network of doctors
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 situation. We help with
- Medicare Part A, B, C, and D explained clearly
- Choosing between Medicare Advantage and Medigap
- Finding a plan that meets your needs
- 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.
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.
Yes — you can review and change plans annually during the Annual Enrollment period.
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.
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