The top-rated supplemental insurance agent in St. Louis, Missouri is MBhealth Insurance Agency, rated 4.9 stars across 577 reviews. Other highly rated options include POWERS Insurance and Risk Management, R T Thomas Insurance, LLC, Kreismann Bayer Insurance Agency. This directory lists 39 supplemental insurance agents serving St. Louis.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | MBhealth Insurance Agency | 9700 MacKenzie Rd STE 101 | (314) 544-5400 |
| 2 | POWERS Insurance and Risk Management | 6825 Clayton Ave #200 | (314) 725-1414 |
| 3 | R T Thomas Insurance, LLC | 8131 Delmar Blvd | (314) 725-5535 |
| 4 | Kreismann Bayer Insurance Agency | 652 N New Ballas Rd | (314) 567-3344 |
| 5 | Goetz Insurance Agency | 4586 Telegraph Rd | (314) 720-1702 |
| 6 | Norrell Insurance Agency | 401 Pine St #7 | (636) 575-9526 |
| 7 | Lp Miceli Inc | 3470 Hampton Ave s106 | (314) 832-6667 |
| 8 | Southtown Insurance Agency | 7127 S Lindbergh Blvd | (314) 894-4220 |
| 9 | Charles Meyer Insurance Agency | 5583 Telegraph Rd | (314) 894-1313 |
| 10 | Daniel Fowler Agency Inc American Family Insurance | 5647 Telegraph Rd Suite 4 | (314) 846-1700 |
MBhealth Insurance Agency in St. Louis, MO provides a range of supplemental insurance products designed to help fill gaps in primary medical coverage. These services include plans for accident, critical illness, and hospital indemnity needs. The agency manages existing policies through routine annual reviews and helps clients with claims assistance. It handles basic plan adjustments as life circumstances change. This company serves single-family homes, apartments, retail locations, and local restaurants in the greater St. Louis area.
POWERS Insurance and Risk Management serves homeowners, businesses, and property managers in St. Louis, Missouri, by offering supplemental insurance policies that fill coverage gaps left by standard plans. These additional plans can help clients manage out-of-pocket expenses from deductibles, co-pays, or property losses. The agency works to match each customer with suitable coverage options based on individual needs and budget constraints. Its services also extend throughout much of the surrounding metro area, including neighboring communities such as Clayton.
Spring storms in St. Louis can damage property and finances, so supplemental insurance helps fill gaps in primary coverage. R T Thomas Insurance, LLC serves local residents needing extra protection against unexpected health or household costs. The company guides clients through available policy options for accident, hospital, or critical illness needs. They provide clear explanations of how these plans coordinate with other benefits. An initial phone or in-office consultation helps assess individual coverage gaps before any purchase.
Kreismann Bayer Insurance Agency in St. Louis, MO, is recognized for offering personalized supplemental insurance solutions that help individuals manage out-of-pocket medical costs. These policies, designed to fill gaps left by major medical plans, are available for a range of personal needs. The agency assists clients in selecting appropriate coverage for accident, critical illness, or hospital indemnity scenarios. As a supplemental insurance agent, it works to explain how specific plans align with individual healthcare expenses. It can also provide specialized add-on plans for dental or vision care coverage.
Goetz Insurance Agency in St. Louis, Missouri, works with individuals and businesses to identify gaps in their primary health coverage. Its specialty lies in offering supplemental insurance policies that help pay for out-of-pocket costs such as deductibles, copays, and lost income from illness or injury. These add-on plans are designed to coordinate with existing major medical policies. The agency can serve a variety of commercial sectors, including offices, warehouses, and food service operations, providing tailored protection for their unique employee needs.
Norrell Insurance Agency in St. Louis, Missouri helps clients understand the difference between one-time plans, which cover a single specific event, and recurring options that provide ongoing protection for routine needs. The company specializes in supplemental insurance, filling gaps left by primary health coverage to reduce out-of-pocket expenses. Services cater to individuals seeking additional financial security for hospital stays, accidents, or critical illnesses. Work with this agency is completed on an as-needed basis, allowing policyholders to request assistance only when they require new coverage or have questions about their existing plans.
Lp Miceli Inc offers supplemental insurance to help fill gaps in standard health coverage, assisting clients in St. Louis, Missouri with policies for accidents, critical illness, and hospital indemnity. They guide customers through plan options, enrollment processes, and claim support, ensuring individuals understand how these policies complement their primary insurance. During the unpredictable winter months, when seasonal injuries and illnesses increase, they help clients manage out-of-pocket costs and deductibles effectively.
Based in St. Louis, Missouri, Southtown Insurance Agency works with individuals and businesses to secure health and life protection. It specializes in supplemental add‑ons that help cover gaps in primary insurance policies. These additional plans can address out‑of‑pocket costs for accidents, critical illness, or hospital stays. The agency serves a variety of local commercial sectors, including office complexes, warehouses, and food service operations.
Serving residential clients in the St. Louis area, Charles Meyer Insurance Agency also provides commercial supplemental insurance coverage throughout the greater Missouri region. As a dedicated Supplemental Insurance Agent, the agency helps policyholders bridge gaps in primary health plans and manage out-of-pocket costs with tailored benefit options. Each client engagement focuses on explaining policy details clearly before enrollment. The team schedules convenient follow-up appointments between regular service intervals to review coverage changes and help maintain appropriate protection over time.
What Does a a Supplemental Insurance Agent in St. Louis Cost?
Supplemental insurance plan costs in Missouri vary by age, gender, tobacco use, and location. Monthly premiums for Medigap plans in St. Louis typically range from $100 to $300 for Plan G and $50 to $150 for Plan N. Some insurers use attained-age pricing while others use issue-age pricing, which affects long-term costs. This is general information and not insurance advice.
About supplemental insurance agents in St. Louis
Supplemental insurance agents in St. Louis, Missouri help residents find Medigap and Medicare Supplement plans to cover out-of-pocket costs. Missouri law requires agents to be licensed through the Missouri Department of Insurance and to follow specific guidelines for plan enrollment. Local agents can explain the differences between standardized plans A through N available in the state.
Frequently Asked Questions
What is a supplemental insurance agent in St. Louis?
A supplemental insurance agent in St. Louis helps individuals purchase Medicare Supplement or Medigap policies. These agents are licensed by the state of Missouri and can compare plans from different insurance carriers. They do not work for the government but provide private insurance options.
What are the enrollment rules for Medigap in Missouri?
In Missouri, the Medigap open enrollment period lasts six months starting when you are both 65 and enrolled in Medicare Part B. During this time, you can buy any Medigap policy without medical underwriting. Outside this window, insurers may use health questions to decide coverage.
Can I switch supplemental insurance plans in Missouri?
Yes, Missouri residents can switch Medigap plans at any time, but insurers may require medical underwriting outside of guaranteed issue periods. Some states have special rules, but Missouri does not have a birthday rule for Medigap. You should check with a licensed agent for your specific situation.
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