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Missouri Health Insurance Agency for Simple Reliable and Direct Advisors

Missouri Health Insurance Agency for Simple Reliable and Direct Advisors

When you choose My Healthcare Direct in Missouri, you simplify your health insurance choices. Request a free quote easily to compare premiums, deductibles, and benefits offered by our agency’s knowledgeable agents.

We can help!

Choosing Health Insurance in Missouri with My Healthcare Direct

Your search for personalized attention, tailored solutions, and unbiased advice ends here. My Healthcare Direct is an independent health insurance agency that proudly serves Missouri residents and offers you the freedom to explore a wide range of plans from various providers.

Find the right coverage to fit your situation and budget. We simplify the process, so you can get the healthcare you need when you need it.

Individual Attention with Independent Healthcare Advisors Who Care

You want someone to listen—someone who understands, someone who cares. And that’s what you get when you speak to our agents.

Experience personalized attention from independent healthcare advisors who genuinely care about meeting your unique health insurance requirements.

Receive tailored guidance as licensed agents offer exceptional service by customizing insurance options based on personal information and preferences.

Get expert advice about different policies, including details on deductibles and coverage specifics for each client's benefit.

Yearly Check-ins to Keep You Covered!

Are you forgetful? With us, you never have to worry about missing open enrollment.

Just like a good friend, we make sure your health insurance policies are always up-to-date by scheduling yearly check-ins with the knowledgeable agents at My Healthcare Direct. Take advantage of discounts and benefits through annual reviews of your insurance premiums.

Health Insurance Options-Expert Advice
Choosing Health Insurance in Missouri with My Healthcare Direct

Independent Health Insurance Agency Advantage

At an independent health insurance agency, you receive unbiased guidance that is customized to your unique requirements. Our expertise spans across a wide range of policies offered by different insurers, and we are not partial to any of them.

Expect exceptional service from our friendly staff members, who prioritize you over insurance provider companies.

Get peace of mind when navigating the world of health insurance.

  • Receive unbiased guidance based on your individual needs.
  • Engage with knowledgeable agents well-versed in various policy offerings.
  • Enjoy exceptional service, ensuring a smooth experience.

Affordable Health Insurance Policy Options in MO

We want to help you find insurance that you can afford, not the insurance we want you to buy. That’s the difference between choosing an independent agency like ours.

We will explore numerous affordable health insurance options together and help you compare different policies. You want the best coverage you can buy with a low cost attached to it and we have the knowledge to give you real answers.

Get a free quote to understand costs, premiums, and available discounts.

Saving Money on Your Health Plan in Missouri

Did you know that higher deductibles can help lower premiums, saving you money in the long run? When you speak with one of our agents in Missouri, we will explain the benefits of low and high deductibles and how you can take advantage of reduced out-of-pocket expenses.

If that’s confusing to you, don’t worry! We will explain it in simple and clear language over the phone. Our mission is to help Missouri residents understand their health care options and receive the best plan for their unique situation.

Once you feel confident, our agents can provide you with free quotes from various insurance companies, so you can compare prices and policies for maximum savings.

Get the Best Healthcare Coverage for Your Needs

  • Compare different insurance options
  • Request a free quote from our agents
  • Benefit from a wide range of policies
  • Experience exceptional customer service

We can help you use strategies to reduce health insurance premium costs effectively. Get tips to help you save money while maintaining quality coverage levels in the state of Florida.

Open Enrollment Prep

The importance of preparing for the open enrollment period cannot be overstated. It’s crucial for making informed decisions about your health coverage. Allow us to help you navigate this process successfully.

With our expert guidance, you’ll be able to select the most suitable plan during the open enrollment window. Our resources and information are designed to empower you to make well-informed choices.

With our assistance, your open enrollment experience will be smooth and stress-free. We’re here to support you every step of the way in securing optimal health insurance coverage.

Missouri Health Care Planning

When you live in Missouri and choose our independent health insurance agency, you gain access to a diverse selection of comprehensive health insurance plans. These plans encompass a wide range of medical services and benefits tailored to meet your individual healthcare needs.

From basic coverage for essential medical services to more extensive plans that include additional benefits like dental and vision care, we empower you to make informed decisions about your healthcare.

When planning for the future, we help you secure healthcare needs through insurance policies. You can rely on our agency to offer various options for:

  • Long-term care insurance
  • Short-term care insurance
  • Disability coverage

Not sure which one you need? One of our health insurance agents will be happy to help you choose what’s best for you!

Long-Term Health Insurance Plans

We will guide you in choosing the most suitable plan based on your specific requirements.

Here are some benefits of including long-term care support in your insurance plan:

  • Financial Security
    Protect yourself from the potential high costs associated with long-term care.
  • Peace of Mind
    Make sure you have a safety net in place for any future health challenges.
  • Flexibility
    Choose a plan that adapts to your changing needs over time.

Disability Health Insurance Plans

Our agency ensures that you have adequate protection and financial assistance if you ever face a disability in Florida. It’s essential to confirm that your health insurance policy covers disabilities and related expenses comprehensively.

Consider these advantages of having disability coverage within your health insurance:

  • Medical Expenses
    Cover medical costs resulting from disabilities without worrying about financial strain.
  • Rehabilitation Support
    Access resources for rehabilitation services and therapies as needed.
Disability Insurance
Short Term Insurance

Short-Term Health Insurance Plans

For those seeking temporary coverage solutions in Florida, short-term health insurance plans offer flexibility and affordability. Short-term options act as a bridge to permanent health insurance policies.

  • They offer customizable coverage periods, ranging from one month to a year.
  • The duration can be tailored based on individual needs and circumstances.
  • Factors to consider when selecting a short-term plan include:
    • Premium costs
    • Coverage limits
    • Deductibles
    • Out-of-pocket maximums
  • Assessing these aspects ensures the chosen plan aligns with budget constraints and temporary coverage needs.

Whether it’s bridging employment transitions or waiting for open enrollment periods on long-term policies, short-term health insurance solutions offer valuable support during transitional phases in your healthcare journey.

Health Insurance Advisors Near Me

Are you searching for “health insurance advisors near me?” Well, you’ve found the right place!

When you’re ready to secure your health insurance in Missouri, our health insurance agency is the ideal starting point. With a My Healthcare Direct agent’s help, you can easily enroll in the plan that best suits your needs and do so hassle-free.

Whether you live in Kansas City, St. Louis, or Springfield, we can help you! Our services reach all areas of Missouri:

  • Columbia
  • Independence
  • Lee’s Summit
  • O’Fallon
  • St. Joseph
  • St. Charles
  • St. Peters
  • And beyond!

 

Take advantage of our exceptional service and speak with a caring human (not an AI chatbot). Our friendly and knowledgeable agents are on standby to assist you throughout the entire enrollment process!

Make a proactive choice for your health and financial well-being by partnering with us. Contact My Healthcare Direct now to explore the best health insurance options tailored to your needs. Your future self will thank you for taking this crucial step towards securing comprehensive health coverage.

 

Medicare Costs for 2024 Video Transcript >

Medicare Changes for 2024

CMS just released the new 2024 premiums, deductibles and coinsurance for Medicare part A & B so today I'm going to go over all that information with you so stay tuned.

Hi, I’m Jessica Manion with My Healthcare Direct. I am licensed Medicare insurance broker and we help clients all over the country go over their Medicare options.

CMS has now released the new part A & B premiums so let’s start going over the numbers.

So let’s start with Part A. As a reminder, part A is your hospitalization coverage. For 2024, the inpatient deductible is going from $1,600 in 2023 to $1,632 in 2024 which is an increase of $32.

The daily co-insurance for days 61-90 are going up from $400 in 2023 to $408 per day in 2024 and for lifetime reserve days the coinsurance is increasing from $800 to $816.

The skilled nursing facility coinsurance will also be increasing next
year from $200 in 2023 to $204 a day in 2024.

For those of you who do not have enough work credits to earn part A at no additional costs, if you have between 30-39 quarters of coverage,  our part A monthly premium will be $278 per month which is the same or 2023. Those of you who have less than 30 quarters of coverage, our premium will decrease to $505 per month in 2024, a $1 decrease from 2023.

Moving on to part B which of course is your medical insurance. While last year we had a part B premium and deductible decrease, this year we are not as lucky and  the rates, just like everything else have gone up for 2024.

In 2024 the part B premium will go from $164.90 in 2023 to $174.70
which is an increase of $9.80 per month.

The part B deductible will also be increasing from $226 in 2023 to $240 in 2024 which is an increase of $14 for the year.

For those of you on the higher income earning side you may be familiar with the term IRMAA. This stands for Income Related Monthly Adjustment Amount.  These individuals will pay a higher part B premium as well as an income related adjustment in addition to their part D premium as well. Whether you are single or married, file your taxes jointly or separately, these premium amounts are reflected from your modified adjusted gross income from 2 years prior so for 2024, they will be looking at your 2022 tax return.

The part B IRMAA amounts are as follows:

For those who are single or married and file separately and earn less than $103,000 or married, file jointly and earn less than $206,000 you will continue to pay the standard part B premium. If you fall into any of the other categories, your  adjusted part B premium as well as your part D IRMAA premium are shown here.

If you have any questions about your 2024 Medicare costs and how all these premiums and deductibles can apply to you, feel free to reach out to our office at 888-959-1028 or you can send us an email at info@myhealthcaredirect.com and we would be happy to answer your questions.

Medicare Changes for 2024
MEDICARE BENEFICIARIES CAN TYPICALLY EXPECT THEIR RATES TO INCREASE EACH YEAR. SOME INDIVIDUALS MAY QUALIFY FOR THE PART D EXTRA HELP PROGRAM. 
MEDICARE BENEFICIARIES CAN TYPICALLY EXPECT THEIR RATES TO INCREASE EACH YEAR.
SOME INDIVIDUALS MAY QUALIFY FOR THE PART D EXTRA HELP PROGRAM. Contact us today to get all of the updated the health insurance information for 2024.
My Healthcare Direct
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Jessica with My Healthcare Direct is a very knowledgeable and professional agent. She navigated me through the entire medicare process. Jessica gave all the time I needed to make sure I had the best plan for my needs. I highly recommend Jessica at My Healthcare Direct.
Jessica Manion is extremely knowledgable concerning medical insurance options. She responds rapidly to any questions. She set up all of my family's insurance needs in a professional and easy manner.
I highly applaud and reccomend Jessica Manion, Health Insurance Agent of the Independent ,My Health Care Direct, who I have used for several years, with my wife recently signing up. Jessica is a very competent professional who is patient, extremely helpful with a strong familiarity of all the various Medicare Supplemental Plans available and is a great communicator with a friendly demeanor, making all plan aspects extremely easy to understand. Her in depth knowledge readily answered all my questions satisfactorily, she really knows the Medicare Supplemental Plans! Jessica takes the time to assure that we fully comprehend all the options available to us and find the best policy to fit our current health and monetary needs! As an independent Health Insurance Agent, she is not influenced towards any insurance company brand and pursues the goal of helping clients make the most informed decisions. I highly recommend Jessica's Outstanding Customer Service! She made the method of choosing Medicare Supplemental Plans a very cordial enjoyable process, it is evident she cares and has a passion for helping others! Thanks Jessica!!Mike DeeganPalm Harbor, FL
Jessica Mannion is one of the two most conscientious and effective insurance agents I've dealt with over the past several decades. (I'm also a retired life agent and I can easily spot the good ones--and the creepy ones.)Jessica responds to questions *immediately* with complete answers. I imagine that she's busier than a moth in a mitten but she never loses track of the conversation.I have an excellent local agent for things like homeowners and business insurance but I see no reason to move my Medicare insurance business away from Jessica to the local guy.You want a straight shooter? Go with Jessica Manion. I have spoken.
Jessica is AWESOME. She even refers us to plans she doesn’t represent if it is to our advantage. Every increasingly confusing myriad of Medicare options, she ALWAYS makes sense of it for us.HIGHLY RECOMMEND!!!
Jessica is amazing. I would wait for her to take care of my medical insurance no matter how long it takes. She is so wonderful and patient with me. I cannot imagine going to anyone else.
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