Services
Medicare Supplement
Medicare Supplement (Med Sup) plans are just that, supplemental plans that work in tandem with Medicare Parts A and B. Medicare Supplements are used to cover the gaps of Parts A and B and are designed to lower out-of-pocket costs.
Medicare Advantage Plans
A Medicare Advantage plan is a plan offered by a private company that contracts with Medicare to provide Part A and Part B benefits to people with Medicare who enroll in an Advantage plan.
Prescription Drug Plans
Prescription drug plans are plans that help our clients afford their prescriptions and have peace of mind knowing that they won't have to choose between which prescription to fill when money gets tight.
Dental/Vision/Hearing
Medicare plans and major medical plans often have certain gaps that can leave retirees and their families responsible for out of pocket costs. Some of these gaps are dental work, eyeglasses/contacts, and, in some cases, hearing aids.
Recovery Care
Long-term care and recovery are two of the biggest issues when it comes to out-of-pocket costs for clients. Many of our clients are Medicare age or will be soon and with that comes the realization that two of Medicare’s biggest gaps are in regards to long-term care, both in-home care and long-term care facilities, as well as short-term recovery and private nursing services
Hospital Indemnity Plans
Hospital Indemnity Plan While Medicare Advantage Plans may save you on monthly premiums, it can expose you to risk of out-of-pocket costs. Many clients can’t afford these out-of-pocket costs. Hospital Indemnity plans help cover the major areas of financial risk. Not only does it cover inpatient hospital copays and observational care in a hospital, it provides all of this at a fraction of the cost of a Medicare Supplemen
Life Insurance/Final Expense
Life Insurance and Final Expense are products that allow our clients to provide financial protection for themselves and their loved ones.
Cancer / Critical Illness Insurance
Cancer / Critical Illness Insurance If you are diagnosed with a specified disease, such as cancer, your major medical or Medicare may cover the cost of seeing a specialist, but it won’t cover the cost of their travel to and from treatment, lodging if you must travel long distances for treatment, or lost wages if you or your spouse is still working. Specified disease policies will payout to help you during the difficult time of diagnosis and treatment of one of these dreadful diseases.
Reasons to Contact Us
Local
Based in the St. Charles area, We can sit down with you face to face in your home, office or anywhere in between and conduct a thorough assessment of your needs.
Independent
St. Charles Eldercare Associates represents top carriers in the Saint Louis area, we don’t work for any insurance company but for you, we will help you find the best plan for the best price.
Experts
Many people come and go in this business, we have several years of experience and award winning speaking skills to assist clients we are committed to educating and serving the Saint Louis area for years to come. All services are without cost.
Educators
Many people come and go in this business, we have several years of experience and award winning speaking skills to assist clients we are committed to educating and serving the Saint Louis area for years to come. All services are without cost.