Understand Your Medicare Options
🩺 Senior Health Insurance Solutions!
Choose for You
Health insurance options in St. Louis to meet your needs—no one else’s.
Professional Guidance
Get professional advice on selecting the right Medicare health coverage for your needs.
ARE YOU TURNING 65?
Let’s plan for what’s next:
- Medicare Solutions
- Hospital/Cancer Insurance
- Long-term Care
- Life Insurance
Your Partner in Health Coverage
Together we can:
- Review your healthcare needs
- Discuss health insurance options
- Select health insurance that’s right for YOU!
Looking for guidance?
New to Medicare?
Need to Make Plan Changes?
Hi! I’m Denise McGrail – Your Senior Insurance Advisor
Understanding Medicare shouldn’t leave you feeling helpless and confused. I help seniors make confident choices for their healthcare. My personalized services are NO COST to you. Let’s have a conversation and find the best healthcare for you.
“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”
THE PARTS
Medicare’s ABCs
A
Hospital Insurance
Covers inpatient hospital stays, skilled nursing, and hospice.
B
Medical Insurance
Covers medically necessary services and preventive care, including doctors’ visits, outpatient care, durable medical equipment, and certain screenings and vaccines
C
Medicare Advantage Plans
Plans that replace original Medicare and offered by private insurers.
D
Prescription Drug Coverage
Prescription drug coverage plans offered by private insurers.
Frequently Asked Questions
Why do I need Medicare?
Medicare isn’t mandatory, but it’s highly recommended because it’s designed to protect you from the high costs of healthcare as you age.
What happens if I don’t enroll in Part B or Part D when I’m first eligible?
If you don’t have other creditable coverage, you may have to pay a late enrollment penalty, which can increase your premiums for as long as you have that coverage.
How do I know which plan is right for me?
Finding the right plan for you depends on your unique needs, including your health status, preferred doctors, prescriptions, and budget, which is why we provide personalized guidance to help you find the right fit.
How can you help me?
I can help you understand your Medicare options and provide personalized guidance to help you find a plan that is right for YOU.
CHOOSE FOR YOU
No two people have the same health needs. When you have resources, tools, and professional guidance, you can feel confident choosing a plan that works for you!