Medicare doesn't have to be confusing. That's what we're here for.
Every year, folks throughout New Haven and the surrounding Franklin County area turn 65, lose employer coverage, or realize their current Medicare plan isn't working for them anymore — and end up trying to sort through dozens of plan options on their own, often over the phone with someone in a call center hundreds of miles away who's never set foot in the Missouri Rhineland. The choices you make about Medicare affect your health care costs and access to doctors for years, so getting it right matters — especially when the doctors you trust are right here in New Haven, Hermann, or Washington, and you want a plan that keeps you with them.
We don't work for an insurance company... we work for you. We're your neighbors — right here on Harold Meyer Dr. in New Haven — and that means we can compare plans across multiple carriers and help you choose the coverage that actually fits your health needs, your budget, and the local doctors you already know. And unlike a lot of agents who disappear after enrollment, we stay in your corner — checking in each year, face to face if you'd like, to make sure your plan still makes sense as your needs (and the plans themselves) change.
Plans We Help With
Medicare Advantage (Part C)
An all-in-one alternative to Original Medicare, often bundling hospital, medical, and prescription drug coverage — many plans include extras like dental, vision, and hearing benefits.
Medicare Supplement (Medigap)
Coverage designed to work alongside Original Medicare, helping pay the out-of-pocket costs — copays, coinsurance, deductibles — that Medicare alone doesn't cover.
Medicare Part D (Prescription Drug Plans)
Standalone drug coverage for anyone on Original Medicare who needs help managing prescription costs.
Ancillary & Supplemental Coverage
Because Medicare alone doesn't cover everything, I also help clients round out their protection with:
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Dental, vision, and hearing plans
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Final expense / life insurance
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Hospital indemnity coverage
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Cancer and critical illness plans
Why Work With an Independent Agent
One conversation, multiple carriers. Instead of calling company after company, you get an honest comparison of the plans available to you — from someone who isn't paid more to steer you toward any one carrier.
No cost to you. Agent compensation is built into the insurance industry, not added on top of your premium. My help costs you nothing.
A coach, not a one-time sale. Medicare plans change every year, and so do your health needs. I check in with clients ahead of each Annual Enrollment Period to review their coverage — not just sell it once and move on.
Local, accessible, and easy to reach. You can call, text, or sit down with me directly — no call centers, no 1-800 number that routes you to a stranger.
Who We Help
Turning 65 and enrolling for the first time — I'll walk you through your initial enrollment window and what to watch out for, right here at my office on Harold Meyer Dr.
Retiring or losing employer coverage — timing matters here to avoid gaps or penalties, whether you're coming off a plan from a local employer or one further out.
Moving to New Haven or elsewhere in Missouri, or moving within the area — your plan options change based on where you live, and that includes which doctors in New Haven, Hermann, and Washington are in-network.
Not happy with your current plan — during the Annual Enrollment Period (October 15 – December 7), you can make a change, and I'll sit down with you in person to go over it.
Just want a second opinion — a free review costs you nothing and could save you real money, no trip out of town required.
How It Works
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We talk. A short conversation about your health needs, current doctors and medications, and budget.
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I compare your options. I'll lay out the plans available to you in plain language — no jargon, no pressure.
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You decide. I'll help you enroll in the plan you choose, and answer every question along the way.
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We stay in touch. I'll check in with you before each Annual Enrollment Period to make sure your coverage still fits.
Or call us directly at (636) 283-2012
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Nothum Insurance is not connected with or endorsed by the United States government or the federal Medicare program.