James Hughes has helped hundreds of Missouri retirees find the right Medicare coverage — without the pressure, without the jargon.
St. Louis Medicare Expert
James Hughes has helped hundreds of Missouri retirees find the right Medicare coverage — without the pressure, without the jargon.
St. Louis Medicare Expert
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 (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
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 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.
Important 2027 Plan Change
BJC HealthCare is dropping Aetna and Anthem Medicare Advantage plans on January 1, 2027. If you use BJC hospitals or doctors, your current plan may no longer cover your care.
Why James Hughes
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
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
Getting the right Medicare plan is easier than you think. Here's what to expect.
Reach out by phone or fill out a quick form. James will schedule a time to talk — at your convenience, with no obligation.
James reviews your health needs, doctors, prescriptions, and budget — then walks you through the plans that make sense for your situation.
Once you've chosen a plan, James handles the enrollment paperwork. And he's there for you every year at renewal time, too.
News & Updates
Medicare News
BJC's acquisition of St. Luke's in Chesterfield could affect which Medicare Advantage plans are accepted there. Here's what west county patients need to know.
Read moreMedicare News
If you receive care at Barnes-Jewish or any BJC facility, your Aetna or Anthem Medicare Advantage plan won't be in-network after December 31. Act before December 7.
Read more
Medicare Coverage
Part D covers prescriptions but choosing the wrong plan can cost hundreds more per year. Here's what every Missouri Medicare beneficiary needs to understand.
Read more
Medicare Planning
Missing a deadline or choosing the wrong plan can trigger permanent penalties. Here are the seven most common Medicare mistakes — and how to avoid every one.
Read more
Medicare Plans
Original Medicare leaves significant gaps. Medigap plans fill them. Here's how Plan G and Plan N compare — and how to choose the right one in Missouri.
Read more
Medicare Costs
Higher-income beneficiaries pay more for Medicare Part B and Part D. Here's what IRMAA is, which income levels trigger surcharges, and how to appeal.
Read more
Free Consultation
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:
314-229-6146Free & No Obligation
Join James Hughes for a free, no-pressure seminar and get clear answers about your Medicare options.
Pasta House
15425 Manchester Rd, Ellisville, MO 63011
Side-by-side comparison of Medicare Advantage and Medigap Supplement plans.
Pasta House
15425 Manchester Rd, Ellisville, MO 63011
Side-by-side comparison of Medicare Advantage and Medigap Supplement plans.
The Shack
14810 Clayton Rd, Chesterfield, MO 63017
Medicare Parts A & B, enrollment periods, and how to avoid late penalties.
The Shack
550 Meramec Station Rd, Valley Park, MO 63088
Medicare Parts A & B, enrollment periods, and how to avoid late penalties.
Pasta House
4095 Veterans Memorial Pkwy, St. Peters, MO 63376
Side-by-side comparison of Medicare Advantage and Medigap Supplement plans.
The Shack
1100 Jungermann Rd, O'Fallon, MO 63366
Medicare Parts A & B, enrollment periods, and how to avoid late penalties.
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