St. Louis County, Missouri
Medicare agents in St. Louis County, MO
Find a licensed agent with an office in St. Louis County, and see what Medicare looks like here: how many people have it, how many are in Medicare Advantage, and how many plans are offered for 2027.
Last reviewed October 27, 2026. General information, not advice about any plan.
Agents in St. Louis County
No agents with an office in St. Louis County are listed yet. Agents licensed anywhere in Missouri can help by phone or video: see agents in Missouri.
Before you meet anyone, check their Missouri license.
Medicare in St. Louis County
- People with Medicare
- 228,591
- In Medicare Advantage or another Medicare health plan
- 57% (131,030)
- With both Medicare and Medicaid*
- 11% (24,240)
St. Louis County has more people with Medicare than any other Missouri county. 57% are in Medicare Advantage or another Medicare health plan, compared with 55% across Missouri. 11% also have Medicaid*, compared with 14% statewide.
Source: CMS Medicare Monthly Enrollment, July 2026, for the county and the state. St. Louis County has about 992,929 residents (Census, 2024). Medicare health plans include Medicare Advantage, cost plans and PACE, not Medigap or drug plans. *Includes people who get help only with Medicare costs from a Medicare Savings Program.
2027 plans offered in St. Louis County
- Medicare Advantage with drug coverage
- 38 plans, 26 with a $0 plan premium
- Medicare Advantage without drug coverage
- 8 plans
- Special Needs Plans
- 35 plans: 19 for people with both Medicare and Medicaid; 7 for people with certain chronic conditions; 9 for people who live in, or need the care of, a nursing home. Only people who qualify can join.
- Companies offering these plans
- 11
For comparison, the typical Missouri county has 17 Medicare Advantage plans with drug coverage for 2027.
Standalone drug plans in Missouri: 9 plans, with monthly premiums from $5.30.
Source: CMS 2027 plan landscape (updated October 2026), which lists plans by county. A $0 plan premium doesn't mean $0 costs: you still pay the Part B premium, plus copays, and plans differ in their yearly limit and in which doctors and drugs they cover. How to compare.
Cities, towns and ZIP codes in St. Louis County
Everything on this page applies across the whole county, including these places.
Cities and towns, largest first
- Florissant
- Chesterfield
- Wildwood
- University City
- Ballwin
- Kirkwood
- Maryland Heights
- Hazelwood
- Webster Groves
- Creve Coeur
- Manchester
- Ferguson
- Clayton
- Overland
- Eureka
- Jennings
- St. Ann
- Crestwood
- Town and Country
- Bridgeton
- Bellefontaine Neighbors
- Ellisville
- Des Peres
- Sunset Hills
- Richmond Heights
- Olivette
- Ladue
- Brentwood
- Maplewood
- Berkeley
- Valley Park
- Black Jack
- St. John
- Shrewsbury
- Glendale
- Dellwood
- Rock Hill
- Breckenridge Hills
- Normandy
- Fenton
- Woodson Terrace
- Frontenac
- Northwoods
- Pine Lawn
- Green Park
- Clarkson Valley
- Pagedale
- Riverview
- Marlborough
- Moline Acres
- Bel-Ridge
- Warson Woods
- Hanley Hills
- Vinita Park
- Wellston
- Lakeshire
- Winchester
- Oakland
- Bel-Nor
- Charlack
- Velda City
- Hillsdale
- Calverton Park
- Pacific
- Cool Valley
- Country Club Hills
- Grantwood Village
- Pasadena Hills
- Norwood Court
- Velda Village Hills
- Edmundson
- Bella Villa
- Flordell Hills
- Greendale
- Twin Oaks
- Sycamore Hills
- Crystal Lake Park
- Beverly Hills
- Pasadena Park
- Wilbur Park
- Huntleigh
- Westwood
- Uplands Park
- Kinloch
- Bellerive Acres
- Glen Echo Park
- Country Life Acres
- Champ
Unincorporated communities
- Affton
- Castle Point
- Concord
- Glasgow Village
- Lemay
- Mehlville
- Oakville
- Old Jamestown
- Sappington
- Spanish Lake
- St. George
ZIP codes
Source: Census Bureau, Vintage 2024 population estimates, the 2020 list of census-designated places, and 2020 ZIP Code Tabulation Areas (which leave out ZIP codes used only for PO boxes). A place or ZIP code that crosses a county line is listed in each county it covers a real part of.
Free local help
- Missouri SHIP
- Missouri's free, unbiased Medicare counseling program. 1-800-390-3330 · Website
- The Missouri Department of Commerce and Insurance
- Licenses agents and takes complaints. 1-800-726-7390 · How to check a license
- 1-800-MEDICARE
- 1-800-633-4227 (TTY 1-877-486-2048), 24 hours a day, 7 days a week, except some federal holidays.
Missouri rules to know
- Switching Medigap plans
- Anniversary rule. Within 30 days before or after your policy's anniversary date (not your birthday), you can switch to the same plan letter from any insurer.
- Medigap under 65
- Required, with limits. Missouri insurers must sell any Medigap policy they offer, with no health questions, to people under 65 on Medicare because of a disability who apply within 6 months of enrolling in Part B (with another open enrollment at 65); the sources do not clearly say whether people on Medicare only because of kidney failure (ESRD) are included.
- Agent licenses
- Agents must be licensed for health insurance in Missouri. Look one up.
Dates to know
- October 15 to December 7
- Open Enrollment: change Medicare Advantage or drug plans for the next year.
- January 1 to March 31
- Medicare Advantage Open Enrollment: one change for people already in a Medicare Advantage plan.
- Turning 65
- A 7-month window around your birthday month. The checklist.
Moving to St. Louis County from another state opens a special enrollment period for Medicare Advantage and drug plans. It doesn't by itself let you buy Medigap without health questions. What to do.
Common questions
How many people in St. Louis County have Medicare?
In St. Louis County, 228,591 people had Medicare in July 2026, according to CMS. About 57% were in Medicare Advantage or another Medicare health plan; the rest had Original Medicare.
How many Medicare Advantage plans are offered in St. Louis County for 2027?
CMS lists 38 Medicare Advantage plans with drug coverage in St. Louis County for 2027 (26 with a $0 plan premium; you still pay the Part B premium), 8 without drug coverage, and 35 Special Needs Plans for people who qualify, from 11 companies. Medicare.gov's Plan Finder shows which ones cover your address, doctors and drugs.
Which towns does this page cover?
All of St. Louis County, including Florissant, Chesterfield, Wildwood, University City, Ballwin, Kirkwood, Maryland Heights, Hazelwood and 91 more. Medicare Advantage plans are generally offered county by county, so the plan counts here apply across St. Louis County.
Which ZIP codes are in St. Louis County?
63005, 63011, 63017, 63021, 63025, 63026, 63031, 63033, 63034, 63038, 63040, 63042 and 34 more, according to the Census Bureau. A ZIP code that crosses a county line can be listed in more than one county.
Where can I get free Medicare help in St. Louis County?
Missouri's free counseling program, Missouri SHIP (1-800-390-3330), gives unbiased one-on-one help. You can also call 1-800-MEDICARE (1-800-633-4227) any time.
Will I pay more for a plan if I use an agent?
No. A plan's premium is set by the plan, and you pay the same whether you enroll through an agent, the plan, or Medicare.gov. Agents can't charge a fee to enroll you in a Medicare Advantage or drug plan.
Nearby
Keep reading
- How to find a good Medicare agent near youWhere to look for a local Medicare agent, how to narrow the list to one or two, and the five-minute checks to do before you share anything.
- Medicare Open Enrollment checklist: what to check before December 7A step-by-step checklist for the October 15 to December 7, 2026 Open Enrollment Period: what to read in your plan's letter, what's changing for 2027, what you can switch, and what happens if you do nothing.
- Medicare Advantage or Medigap? The questions that decide itNeither is better for everyone. How the two common Medicare set-ups differ, the questions that point to one or the other, and why the first choice is the hardest to undo.
Ready to talk to someone local?
Search by ZIP code. Verified agents are listed first, and every listing is free to contact.