Health Insurance & Medicare St. Louis, Missouri

Your Local Resource For Health Insurance & Medicare

For many people, navigating the complex world of health insurance can be a daunting task. At Allraya, our licensed agents based in Missouri aim to create a trustworthy environment for our clients seeking Health Insurance, Medicare, and Final Expense options. We take pride in our commitment to client satisfaction, and this is reflected in our average client retention rate of 7-10 years. We make it our goal to provide a positive and enjoyable experience for our clients throughout their journey with us.

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I understand that by providing the information above, an agent from Allraya may contact me regarding health plan options.

Products We Offer

Providing a comprehensive replacement to Original Medicare, Medicare Advantage Plans, also referred to as Medicare Part C or MA Plans, are offered by private companies and include both Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance).

Private health insurance companies offer Medigap policies, also called Medicare Supplement Insurance, which are designed to provide coverage to policyholders only. If a spouse requires coverage, they must purchase their own separate Medigap policy. These plans are intended to supplement Original Medicare by filling in the gaps, including deductibles, coinsurance, and copayments.

The Medicare prescription drug benefit, also known as Medicare Part D, is a voluntary program that assists Medicare beneficiaries with the costs of self-administered prescription drugs through prescription drug insurance premiums. Optional Medicare Part B covers the cost of nearly all professionally administered prescriptions.

Life Insurance is an important tool to safeguard the financial well-being of those who are most important to you in the event of unforeseen circumstances. Additionally, it is a vital part of estate planning. Life Insurance can be classified into two types: Term Life and Permanent. Term Life Insurance policies are short-term and offer death benefits only, while Permanent Life Insurance policies provide immediate death benefit coverage and accumulate cash value over time.

The central objective of Health Insurance is to cover the costs related to medical conditions such as regular checkups, illnesses, or injuries. These plans are offered in two forms: employer-sponsored or purchased by individuals. Health Insurance plans purchased individually, not through an employer, are available on or off the Federally Funded Marketplace.

Final Expense Insurance, also known as burial insurance, provides coverage for end-of-life expenses, including the cost of funeral arrangements and the expenses associated with your death. Today, the average cost of a funeral is between $8,000 and $10,000, which can be a significant financial burden for families. Final Expense policies offer peace of mind, knowing that your loved ones will have one less thing to worry about during a difficult time.

While enrolling in Original Medicare (Parts A and B), you may realize that dental and vision care is not included in the coverage. In response to this gap in coverage, there are supplemental insurance plans available for dental and vision care. These plans are budget-friendly and help with the expenses of oral and eye check-ups and procedures.

St. Louis, Missouri Medicare Agency

Our mission is to demystify the world of health insurance. While health insurance can often be intimidating, we're here to provide clarity, not coercion. Our unwavering focus is on supporting our community, guiding individuals through the complexities of health insurance with transparency, compassion, and a commitment to their well-being.

Marie Christian
Marie Christian
September 13, 2023
It was great working with Sheryl. She was extremely helpful in figuring out the best insurance plan for my unique situation and special needs. She goes above and beyond to help and to make sure you get the best plan for your unique individual needs.
Molly M
Molly M
August 31, 2023
Sheryl Crosier was so helpful and made the process of signing up for insurance so easy and fast! After meeting with her she was able to find me what I needed and make it happen!
Tangles & Curls
Tangles & Curls
August 30, 2023
Sheryl Crosier is a go-getter! She helped my daughter and myself get insurance, virtually did it all! Shes amazing as a person but as a professional she is 5 stars! I have given her name out to many clients, family and friends to help them as well
Deanea Simms
Deanea Simms
August 27, 2023
Nathan has been an anchor for the past few years for my insurance needs! Nathan is promp, quick & patient helping me to navigate this horrific insurance nightmare. I can’t say enough. Nathan is and always will be so appreciated. Deanea S. ❤️
Jackie Allen
Jackie Allen
August 25, 2023
I would like to comend Ms. Sheryl Crosier for helping me and my grandson Donald. Donald lost his health insurance when he stopped working as an over the road truck driver.He said he needed to work on his mental health. He thought he could continue to go to the V.A. but because he wasn’t reg Army he couldn’t. Once I explained this to Sheryl, she got right on it. She was very knowledgeable thanks to her he will have his much needed health insurance by September 1st. I thank God for her!
Sandy Blomker
Sandy Blomker
August 25, 2023
Nathan was very helpful and knowledgeable. I was able to get the coverage I needed. Highly recommend!! Thank you!
Earl Wilkerson
Earl Wilkerson
August 25, 2023
I would like give a big warm shot out to my good friend Sheryl who took the time assist me in getting health care insurance for me and my daughter Kylee mere words can not express our gratitude to this wonderful person.
Abigail Feil
Abigail Feil
July 26, 2023
Literally a life saver. Personable, timely, honest, helpful, and caring. I got insurance cover in under a week for me and my child! I am so happy with the outcome and the experience! Thank you so much Nathan!
Karina Molina
Karina Molina
June 27, 2023
He is amazing and knowledgeable!
Shikhi Shekhar
Shikhi Shekhar
June 13, 2023
Jess was very quick in understanding my needs and give options which fitted our health insurance requirement. I highly recommend this company

Contact Us

134 Enchanted Parkway, Ste 101
Manchester, MO 63021
636-688-7375

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I understand that by providing the information above, an agent from Allraya may contact me regarding health plan options.