St. Louis Medicare Expert
Medicare Doesn't Have to Be Confusing.
James Hughes has helped hundreds of Missouri retirees find the right Medicare coverage — without the pressure, without the jargon.
Understanding Your Medicare Options
Every retiree's situation is different. Here's a plain-English look at the three main types of coverage — and how James can help you choose.
All-in-one coverage through a private insurer
Medicare Advantage
Medicare Advantage (Part C) bundles your hospital, medical, and often drug coverage into a single plan. Many plans include extras like dental, vision, and hearing — often with low or $0 premiums. Great for retirees who want simplicity and predictable costs.
Fill the gaps in Original Medicare
Medicare Supplement
Also called Medigap, these plans work alongside Original Medicare to cover costs like copays, coinsurance, and deductibles. You keep your freedom to see any Medicare-accepting doctor nationwide — no networks, no referrals.
Prescription coverage that fits your medications
Part D Drug Plans
Part D plans cover prescription drugs and vary widely in cost and formulary. Choosing the wrong plan can mean paying hundreds more per year. James compares plans side by side to find the best fit for your specific prescriptions.
Why James Hughes
A Neighbor Who Knows Medicare Inside and Out
James Hughes has spent over 20 years helping Missouri retirees navigate Medicare — not as a call-center agent, but as a local, independent broker who sits across the table from you and listens. Because he's not tied to any single insurance company, his only job is to find the plan that's right for you.
My goal is you understand your options.
— James Hughes, Licensed Medicare Broker
20+
Years of Experience
500+
St. Louis Clients Served
20+
Carriers Compared
What Clients Say
Trusted by St. Louis Retirees
James has been handling my Medicare coverage for over 20 years. He knows my situation inside and out, and every year at renewal time he makes sure I'm still on the best plan. I wouldn't trust anyone else with something this important.
Wayne D.
Ste. Genevieve, MO
Client for over 20 years
What sets James apart is his knowledge and experience. Medicare can be overwhelming, but he explains everything clearly and always steers me in the right direction. I've been with him for 10 years and couldn't imagine navigating this without him.
Cheryl A.
Wildwood, MO
Client for 10 years
James is a true expert, and what I appreciate most is how he presents everything in a straightforward manner. No confusing insurance-speak — just clear, honest answers. He makes a complicated subject feel completely manageable.
Carol W.
Ladue, MO
Satisfied client
How It Works
Getting the right Medicare plan is easier than you think. Here's what to expect.
Call or Connect
Reach out by phone or fill out a quick form. James will schedule a time to talk — at your convenience, with no obligation.
Review Your Options
James reviews your health needs, doctors, prescriptions, and budget — then walks you through the plans that make sense for your situation.
Enroll with Confidence
Once you've chosen a plan, James handles the enrollment paperwork. And he's there for you every year at renewal time, too.
Free Consultation
Ready to Find the Right Plan?
A free, no-pressure conversation is all it takes to get started. James is available by phone or in person across the Missouri.
Or call directly:
314-229-6146