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Navigating the world of Medicare can be daunting, especially for those turning 65. At Scott Joyce Medicare Consultant, we simplify Medicare, offering easy-to-understand solutions tailor-made for you.

Medicare Supplement (Medigap) plans help cover GAPS in costs left behind by Medicare, such as deductibles, coinsurance and copayments. They are sold by private insurance companies and are used alongside Original Medicare.

Scott Joyce, Medicare Consultant - Your best trusted Medicare Supplement St Louis


Medicare 101

Learn all about the various types of Medicare offered.

Additional Information

There are 10 Medicare Supplement plans  (A, B, C, D, F, G, K, L, M, and N) to choose from. Each plan is labeled with a letter and each letter provides different coverage. The more coverage a letter provides, the more it will cost you in premiums. Click here to view the different types of coverage.

Medigap policies are offered by private companies, so availability of different policies may vary by state. Additionally, some states regulate Medigap policies more than others,

But they don't cover prescription drugs.

If you decide a Medicare Supplement plan is right for you, you'll also need to purchase a separate Part D plan for prescription drug coverage.

Our Services

Medicare 101 St Louis:

The world of Medicare can be complex and filled with jargon, and our role is to demystify it for you. We guide you through every aspect of the Federal Medicare program, explaining key elements like Original Medicare, Medicare Part B, and the importance of the open enrollment period.

Medicare Consultants:

Think of Medicare Advantage plans as a big bag containing Medicare Part A and Part B coverage and usually prescription drug coverage. We help you look into different Medicare Advantage plans in St Louis and discuss what each one means. We also show you how these plans help pay for different health needs like prescription medicines, hospital stays, care from skilled nurses, and other possible hospital bills.

Medicare Advantage:

Medicare Advantage plans offer a way to get your Medicare Part A and Part B coverage, usually prescription drug coverage, all in one plan. We assist you in exploring the different Medicare Advantage plans available in St Louis, discussing the implications of each. We also help you understand how the best medicare supplement plans cover various medical expenses, including prescription drug coverage, inpatient admission, skilled nursing facility care, and other potential hospital costs.

Medicare Supplement Insurance:

Scott Joyce, Medicare Consultant, is here to help you understand Medicare Supplement Insurance. Think of it as a safety net that catches any medical costs original Medicare doesn't cover. This safety net is also known as a Medigap plan. Our team wants to find the best safety net for you. We'll discuss why some Medigap plans might be better for you than others.

Medigap Policy:

We explain different Medigap plans and Medicare Advantage plans very clearly. These plans can help pay for things you usually pay from your pocket, like coinsurance, hospital bills, and Part B deductible. Whether you're interested in Plan G, which provides a lot of coverage, or Plan N, which is more budget-friendly, or any other Medicare supplement insurance plan, we make sure you understand your options.

Why Choose Us:

The Leading Medicare Consultant in St Louis

We are your helpful pals, the Medicare Consultants. We know a lot about Medicare and other medicare insurance companies. With our help, you can be sure you'll get the best Medicare Supplement St Louis, which will protect you just like a superhero's shield.

Super Knowledge

We know a ton about Medicare Advantage like a teacher knows their ABCs. We make sure you get every Medicare supplement insurance you need, like the popular Medicare Supplement Plan F and Plan G. Think of them as your superpowers!

Complete Protection

Just like a superhero suit protects from harm, our Medicare Advantage Plans cover you. Need a doctor's visit, medicines, or care at a nursing facility? Don't worry; we've got you covered. We also tell you about the open enrollment period - when you can pick or change your Medicare Advantage plan. 

Support Just for You

Everyone is different, like superheroes with unique powers. So, we offer different Medicare Supplement & Medicare Advantage options just for you. We help you find a plan that's perfect for you, from a cost (monthly premium) you can afford to a plan that covers your medicines (prescription drug plan). You're special, and your Medicare plan should be too!


Medicare Supplement insurance plans, offered by private insurance companies, are available to individuals who are legal U.S. citizens or permanent residents and have resided in the country for five consecutive years. To get a Medigap plan, individuals must already be enrolled in Parts A and B of Medicare.

Most states require individuals to be 65 or older, but there are some insurance carriers that offer plans to Medicare beneficiaries who are younger than 65. When you enroll in a Medigap plan during your open enrollment period, you have guaranteed issue rights regardless of any health conditions or health history.

However, individuals under the age of 65 may find their choices limited. Most states limit the coverage to Plan A, the most basic Medigap plan. While this plan is the basic coverage, these individuals may find they have to pay three times as much for the same coverage than someone 65 and over.

Receive A FREE Medicare Quote Today!

Get a free Medicare quote from Missouri and Illinois Medicare Advisor, Scott Joyce, to explore personalized plans and make informed decisions about your healthcare coverage.

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