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Eric was extremely helpful in finding us the insurance needed to fit us and saved considerable amount of premium. ... Thank you Ericread more
I highly recommend this agency and Karl in particular. He offered me very valuable information about Medicare and... helped me to choose the best option for me. Thank you Karl!read more
Karl and his group helped us easily transition into Medicare and a supplement. His knowledge and experience removed the... confusion and stress out of what plan to select. If you want someone to make this decision easy for you the Steinlage group are the ones for you!read more
We met Karl through our Son and since the beginning he helped us addressing insurance for my Mother in Law and now... working with him for me and my wife's. In all cases, its a delight to work with Karl. Always spot on and very knowledgeable providing choices and recommendations. 👍read more
Excellent Agency!!! Karl was able to show us options we had no clue about that saved us tons of money. Fabulous... customer service.. quick response time.. VERY knowledgeable!!!!read more
Sharon Bartholomew Rathert
Karl was very helpful and knowledgeable about my husband's Medicare and supplemental insurance choices.
Eric was extremely knowledgeable, as well as very personable, when we saw him in the office . He took his time. Very... good at answering, any questions we had. Glad we came in. Oh, he even filled out all the forms! As he was doing that , he read it all to us, explaining as he went. He made it so easy. Highly recommend Steinlage Insurance Agency Go to their website,read more
My transistion to Medicare Group B was smooth sailing thanks to the knowledge and professionalism of Karl and his... staff. Do and will recommend Steinlage Insurance Agency.read more
I have been working with Carl to transition to Marketplace insurance following my retirement. I'm very impressed with... his knowledge and style.read more
Karl is great to work with. He is brief and to the point and gets the job done. We have recommended him to friends and... they have also expressed appreciation for his professionalism. Karl keeps us informed and up to date even after we moved to Kansas City. We recommend Karl highly. Ed and Judy Geno Overland Park Kansasread more
Sue Bielicke Janus
Eric was highly recommended to help us with insurance changes for us, due to retirement. He has guided us through every... step of the way, explaining all of the confusing and hard to understand things we need to know for the future! I would highly recommend Steinlage Insurance Agency.. Thank you all for your help, patience and knowledge! Mike and Sue Janusread more
Karl has helped me so many times I can't even keep track. Anytime I have a question, he answers or gets me the answer.
Marilynn Trent Gwin
Through the years Karl has provided us with all the information and choices we could want for our health insurance... needs, especially in a time when it couldn't be more complicated........and now, he has made our transition to Medicare totally stress free. We would recommend this agency for everyone.read more
Always very helpful when looking at the numerous insurance supplements yearly as insurance companies are always... changing coverage and premiums. They can also help you with your will or setting up a trust.read more
Jean Owens Boal
My 401K manager recommended Karl to help me with my Medicare options. Karl took the time to find out what I need in... additional coverage. I felt very at ease and confident that I can call with any questions I might have as time goes on. I am recommending him to other family members and friends.read more
Barb Schroeder Gallagher
Karl was recommended to me by a friend and I am so glad that I contacted him. He is so knowledgeable about the... medicare options. I also recommend him 100%.read more
Terry Tiernan Coble
I was very impressed, Karl listened to my thoughts and he readily found the insurance that met all of my needs. A... friend recommended him to me and now I recommend him to you! Thank you!read more
We met with Karl and he helped demystify the healthcare marketplace, set us up in the right plans, and even saved us... money. I'd highly recommend speaking with him about your needs. Here's a quick way to view rates: www.qqq.digitalread more
If you’re looking for professional and unbiased advice about Meducare or Medicare Advantage stop looking and call... Karl. He’s extremely well versed on both products and extremely responsive. My wife and I couldn’t be more pleased and recommend him when senior health insurance questions arise.read more
I have consulted with Eric Steinlage for years and he has taken great care of my Medicare supplement and part D... (pharmaceutical) plan needs. He has worked to keep my costs low while providing excellent guidance on plans that meet my needs. I am confident that I have the best plans available to me because of the Steinlage Group and their customer commitment. They have in-depth and accurate knowledge in medical insurance.read more
I stopped by to make an appointment about Medicare plans. To my surprise Karl met with me on this visit. He explained... everything I needed to know. Making an appointment with him next week to finalize my plan. Karl made it extremely easy. Highly recommend this insurance agency.read more
After setting up appointment. I met with Karl, he seemed to me to know what he was doing. After reading about medicare... and all the stuff I received in the mail, seemed like it was coming 3 to 4 times a week. we talked about my plan i have , but i would pay around 85 per month so I didn't like that idea. and so he showed me other plans that were free. So i went with the free plan from AARP United healthcare complete. So if you need help with Medicare I would call Karl.read more
Mary E. Varney
I have used Steinlage Insurance Agency for all our insurance needs for several years and have been very happy with... them. It is good to go with someone you trust.read more
Dana Keigley Garner
Thanks to Karl, I felt I was given the knowledge to understand more about long term care insurance. He was patient... with all my questions and I felt confident in my decision to purchase a policy. Thanks!read more
Karl was wonderful at providing information in a clear and concise way. He helped me through the maze of transitioning... to retirement health coverage. His follow up communication and responsiveness have been top notch. He answered questions with a full understanding of the products offered which saved me having to do the research. Very pleased all around.read more
I was feeling very overwhelmed about looking through all the options about Medicare and not sure I would make the best... decision. My sister-in-law suggested that I call Margo, who helped her go through the process. I am so glad I did. Margo was wonderful and helped me feel more at ease in the decision making process. Thank you so much! I would recommend giving Steinlage a call if you are looking for assistance and advice regarding Medicare insurance.read more
I recently met with Karl and he helped me wade through the Medicare Supplement plans. Karl was knowledgeable, friendly... and very helpful in finding a less expensive supplement plan. Dealing with anything connected with the government can be intimidating but Karl made the whole experience easy to understand. I would recommend anyone needing help with Medicare to give Karl a call. Best call I ever made.read more
Kiki Iaccheo Joest
They go above and beyond when providing insurance information and assisting after the purchase. Would highly recommend... the Steinlage Agency.read more
We knew very little about Medicare. After spending a lot of time researching it we realized we were trying to navigate... a mine field. A friend suggested we call Margo for guidance. She was great! Guided us all the way thru and even helped expedite our paperwork on almost the eve of leaving the country for 3 weeks. Margo is patient, very knowledgeable and great to work with and pays attention to detail. As an executive CFO that was important to me and gave me confidence in her process. I highly recommend seeking Margo out for her guidance.read more
Jeri Lynne Russell Martin
Glad a friend recommended Steinlage Insurance several years ago. Karl is very knowledgeable and helped me navigate the... confusing Medicare system. Everyone in the office is friendly and helpful. Would highly recommend.read more
Eric was awesome! He hand held us through the whole, complicated supplemental choices! Answered all questions, great... guy!! Great Company, highly recommend them!!!read more
I have been working with Karl about 5 years now for our insurance needs. Customer focused, extremely knowledgeable... about most insurance products including Medicare supplements with timely follow-up. Don't choose to work with any other agency. Cheryl Moellenhoffread more
Margo understood our needs and was well prepared to address them. During our latest meeting, she presented and sound... plan and answered all of our questions. Although Steinlage isn't the most convenient for us, it has proven to be well worth the drive. Joann and I give Margo and Steinlage our recommendations. Steve S.read more
Karl was organized, well informed, patient, and willing to go the extra mile to ensure my paperwork was correct. Thank... you.read more
Karl did a great job of easing the transition from employer sponsored health care to Medicare and Supplemental... Insurance. With 1 meeting, he removed the fog of too much information, simplified the choices and helped tailor a set of coverages that was best for me. Thanks Karl!read more
Karl was awesome to work with! I didn't want to mess with the marketplace when I was looking for my daughter's... insurance. He made it very simple and was very up front about my options and cost. I just told him what I wanted and he took care of the rest.read more
My wife and I were very confused about what we needed to do to get Medicare setup. Eric explained everything to us and... had us setup that day. Couldn't ask for better service.read more
Debb Zimmerman Keniley
Karl was the best! Personalized my plan seamlessly and took the headache out of the Medicare choices. He followed up... with a change in plan details right away. Insurance is not always pleasant, but I must say that this was outstanding.read more
Steinlage Insurance Agency works with their customers on an individual basis..Karl, along with Steinlage Agency....... will always be given.. a referral to anyone that may need their ..service. This... Agency is the very best you can get to handle your insurance needs. The use of Steinlage Insurance Agency is one of the best choices I have ever made. Thank you to all of you.!!!!..Carol Franklinread more
If you are getting close to Medicare age, DO NOT TRY TO NAVIGATE THIS ALONE! Eric was very helpful and continues to be... after the paperwork is signed. And his service doesn't cost us a penny! Very knowledgeable in all MCR products and gave us great advice.read more
Sandra Rehkop Cummings
Margo was a pleasure to work with and very good at explaining and picking out the best policy for my medicare gap... insurance. My husband and I have recommended Margo to a lot of our friends who are approaching retirement age. You won't be sorry to talk with her.read more
I was referred to Eric by a friend. I was impressed with his expertise. He saved me all of the work of trying to... navigate the insurance jungle. He listened to my needs and I am very pleased with his recommendations for my Medicare Supplement. I would recommend him to anyone who needs Medicare/medical insurance advice.read more
Nancy Owens Struckhoff
My husband and I were very much in the dark when it came to setting up our Medicare accounts. Thanks to Karl Steinlage... coming to our place of business and spending less than an hour explaining our options (very clearly ), we are all set. Gratefully, Nancyread more
Nancy Feldman Hirsch
Someone else referred us to Karl and we have been very pleased with how hard he works for us. He has the answers to... questions, he knows the system, and his responses are timely. I recommend him to everyone who needs to get insurance whether they need the Medicare package information or regular medical insurance to cover them until they get to the Medicare birthday. We recommend him for your medical/Medicare insurance needs. Nancy and Sidney HIrsch, St Louis, MOread more
I had been having a lot of health issues and was in a quandry as to which plans would work best for me. The one my... husband and I were on was working OK for him, but not so well for me. One of the gentlemen at the Wentzville Senior Center suggested I speak with Eric Steinlage. He said Eric would steer me in the right direction and wouldn't take advantage of me, so I made an appointment and have never been sorry. Eric spent a great deal of time getting to know our situation, from our health issues to our prescription needs, and in the end, he recommended that my husband stay on his current plan, but that I switch back to Medicare with a Medicare Supplement and drug plan and it has proven to be highly beneficial. And, every year since, he has spent that same amount of time reassessing our situation to insure that the plans we are on remain the best ones for our needs, just this year recommending a change to my drug plan. Not only is Eric right on top of the latest changes to all the drug plans, he is always extremely personable to deal with. I would have no qualms about recommending him to anyone, ever.read more
Eric is well-educated on current Medicare options and offered suggestions for what best fit my personal needs. Don't... hesitate to set an appointment with these professionals-they are amazing!read more
Looking for information you can understand and responsive follow up? Then Margot is your girl - or should I say AGENT!... She's smart, professional and efficient. I highly recommend her!read more
I met Carl Steinlage several years ago when I needed help with health insurance. Carl came to the rescue. Carl found... me a better plan with more coverage at a cheaper cost. If I need to know anything about coverage, I just call. Carl knows everything about the business. One thing for sure if you call Carl, sit down with him, discuss your needs and concerns and when your done if you don't trust and like Carl you don't like yourself. My daughter and her husband and several friends are now doing business with Carl. Please give him a call and see what he can do for you.read more
Margo did an excellent job helping my wife and I navigate to a plan with savings to us!
Dorothy Spoonemore McManis Schlittler
Eric always returns my call and has been very helpful when it comes to my health insurance. He knows what is best for... me when it comes to my insurance.read more
A friend recommended Eric, so I pleased I went to see him. Eric gave me several options that enabled me to make a smart... choice for health care. Thanks Eric.read more
Karl Steinlage was a life saver by helping us not only understand the changes occurring in Medicare but by sorting... through all the options available to find us the best and most economical plan to meet our needs. He not only made it understandable but the entire process was very easy to accomplish. My husband and I highly recommend him to anyone needing help with finding the best insurance available for them! RuthAnn and Dale Schavey, Kimberling City, MOread more
Anita Gerken St Pierre
margo was very helpful to my husband who got her name from one of his clients...she helped him prepare for retirement!
My 65th birthday is in November. I knew I wanted Medicare, but had no idea what to choose. I had received a card and... letter from Margo, and just looking at her credentials made me feel confident. We met for an appointment and I knew I was going to get great advice. Margo made the process easy, gave me all options and I felt like I had found the perfect person to help me. She is brilliant, but very sincere and easy going. I highly recommend her, and already have told some friends.read more
Eric was very helpful in finding health insurance for me and my family. He spent a lot of time going over the options... and his recommendations. He is doing the paperwork and he explained everything. I feel confident that he found the best deal for me.read more
Margo has been thorough, efficient and very good for my recent insurance needs!
Margo helped make the transition to Medicare and supplemental insurance so easy. She simplified the process and in one... meeting I had medical, prescription plan, dental and vision covered. I highly recommend her. Thank you, Margo.read more
AnnaMarie Izzo Zoghby
For six months prior to turning 65 I received two to three pieces of mail from every insurance company regarding... choosing Medicare options. My head was spinning trying to figure out the best plan for me. I finally gave up. I had received a letter from Margo along with all the other companies and had put it aside (all the others had been thrown in the trash). I am glad I saved her information. After my initial phone conversation I knew I made the right choice. Margo took all my medical information and researched my options. I met with Margo to review her recommendations. Even after I left her office she was there to answer my questions and help when I needed it. I highly recommend Margo to anyone going through this process. She made the process seamlessread more
Karen Herzog Dunlap
My husband and I met with Karl several times. It is comforting to be able to tap his expertise in the oh so confusing... Medicare process. I read a lot of paperwork I was bombarded with and did some research on-line also. Having Karl's direction gives me peace of mind. I would recommend him to anyone!read more
Kathie Rudowski Rezek
Karl was most helpful to my husband when he was navigating the waters of Medicare supplements about 5 years ago, so... when my turn came it was a natural choice. Karl is extremely well-versed, explains options clearly and will find the best course for you, too. I am very happy with the coverage.read more
My husband and I met with Karl last week. He helped us select the best insurance for my husband. Karl educated us on... the various Medicare insurance options we had to choose from. He explained things so we could fully understand them and make the best choice for Ken's needs. Karl made it comfortable for us to ask questions, even when we asked it twice. Karl's knowledge, professionalism, compassionate, personable and desire to help us, got us through a daunting situation. What a relief it was to have Karl guide us and find the right insurance for us.read more
Karl Steinlage was recommended to me by a close friend. My experience was similar to hers--Karl explained all of my... Medicare options and helped me choose the plan that best suited my needs. He quickly and efficiently filled out all of the paperwork. I appreciate his expertise in the area of Medicare plans, supplemental plans and prescription drug plans. We even discussed Long Term Health plans and Karl sent me information to consider. I will recommend him to others.read more
They been great help from day one with Obama care and now with Medicare 🤗🌞
Julie Richardt Tackaberry
I called Margo after receiving a letter from her a while back. I was most concerned to find out whether when I turned... 65 I would have to cancel my Affordable Health Insurance and go on Medicare, as I am still working. Right away she knew the answer and I met up with her after the phone call. Margo answered all my questions and filled out the forms that needed filling and told me what to do next as my birthday is coming up soon. I would recommend Margo to anyone who is needing help or clarification with their Medicare questions. Thank you, Margo!read more
Margo was very efficient and informed in helping us with our Medicare Advantage Insurance Plan. She helped us make the... correct decision as well as doing all the paper work for us, much easier than going it alone. We would recommend the Steinlage Insurance Agency.read more
I went on Medicare in May and was SO confused about it. Karl went over everything and presented on paper how Medicare,... Advantage, Supplement and Part D worked. With this being new to me I've had to ask questions several times over the past few months and Karl was always so patient and kind. He will take good care of you and I highly recommend him.read more
Mary Lou Kretschmar
Karl is a professional who knows his business. He saved us hours of researching the many Medicare and part D plans... available to us. He saved US many dollars also! We plan to recommend Steinlage Insurance Agency to all our friends.read more
Enjoyed meeting Margo - she did a great job helping us decide which medicare advantage plan to go with this year, as... they had cancelled the plan we had the past 10 years. Thanks again Margo 🙂read more
Karl did a great job finding us the health insurance and Rx plan that suits our needs. It's so nice to not have to... study every single plan--he did all that for us and we trust his knowledge and judgement completely. Definitely a 5 star rating!read more
Nancy Gail Danback
Recently worked with Estelle / Karl to change my prescription insurance to one that fits my meds and pocket to... something I can work with. Was greatly appreciative of the excellent service I received. Thank you so much for making a difficult situation easy to understand.read more
Kate Lorin Myers
I recently worked with Margo Steinlage to determine which Medicare supplemental plan would best suit my needs. She... explained the various plans in a simple straightforward manner and answered all of my questions. Margo was extremely personable and professional, and there was never any pressure to purchase a particular plan, or any plan for that matter. The decision was up to me. I would highly recommend Margo.read more
We appreciate the time Karl spent with us when we first needed Medicare supplemental insurance. He was able to get us... good coverage at a good rate. Now through his diligence he's been able to get us an even better rate. We highly recommend the Steinlage Insurance Agency.read more
Karl has been a great help to my husband and myself. He is quick to respond and explains everything throughly so we... understand it. I would recommend him to everyone. We were lucky to have been so fortunate to deal with him. I highly recommend Steinlage Insurance Agency.read more
Margo Steinlage is an outstanding professional who demonstrates comprehensive knowledge of the Medicare process. She... helped me through the process of signing up for Medicare and recommended supplemental plans that fit my individual needs. She is also very personable and easy to talk to. I would recommend her without qualification.read more
We have had wonderful results dealing with this agency. They carry many options for healthcare which can be quite... confusing when beginning Medicare. Karl has steered us correctly for 5 years and we will continue to allow him to update our policies when he sees the need for this to happen. We have moved from the St. Louis area, but he is still able to serve us in the Kansas City area. We are so appreciative of that.read more
Ada Estell Watkins-Norris
Margo was very informative. No pressure to do our sign anything. Highly recommend Margo.
Dirceu J Piga Junior
Jennifer Lynch Karrasch
Karl, thank you so much for helping and guiding me through Obamacare! Without you I don't think I would have been able... to do it! Thank you!read more
Medicare Part B FAQs
Understanding Medicare can be very confusing. We have done our best to simplify Medicare Part B by answering the most frequently asked questions regarding Medicare Part B. Click on the questions below to be taken to each answer.
- How does Medicare Part B differ from Part A?
- How much does Medicare Part B cost?
- What does Medicare Part B cover?
- Who qualifies for Medicare Part B?
- What are some things to consider when looking into Medicare Part B?
- What happens if I can’t afford Medicare Part B?
- When and how do I sign up for Medicare Part B?
- What coverage changes can I make to Part B during the Open Enrollment?
- Can Medicare Part B be canceled?
- What are Medicare Part B premiums?
- Does Medicare Part B qualify as minimum essential coverage?
- Are Medicare Part B premiums tax deductible?
How does Medicare Part B differ from Part A?
- Medicare Part A covers Hospitalization services and is typically provided at no charge.
- Medicare Part B covers Outpatient services (like MRI’s, doctor visits) and is premium based.
- The monthly premium is determined annually by the government and will likely rise over time. There is also an income adjustment called IRMAA for certain individuals making over $87k individual or $174k for husband/wife.
How much does Medicare Part B cost?
- In 2020, the base Medicare Part B premium is $144.60/mo per person. This premium is either billed quarterly to you if you are not drawing SS benefits or taken directly out of your SS check.
- If you plan on delaying SS until a later date (like age 70), you may wish to have the Medicare Part B premiums drafted out of your checking account by using this document.
What does Medicare Part B cover?
- In layman’s terms, Medicare Part B has an annual deductible of $198 for 2020 and then provides 80% coverage for outpatient services like ambulance rides, X-rays, ER visits, PT/OT, and much more.
- Medicare Part B is extremely liberal in what it covers.
- For example, the negotiated Medicare rate for a PET scan could potentially be $5000, Medicare would pay up to 80%.
Who qualifies for Medicare Part B?
- You must be 65 or older.
- You must be a citizen or a permanent resident lawfully residing in the U.S. for at least five continuous years.
- If someone deferred Part B at their 65th birthday and maintained creditable coverage from a job/retiree plan, spouse’s coverage, or another source, they will have a special enrollment period to enroll in Part B once that coverage terminates. There are specific instructions that follow if the client is on COBRA before or after turning 65.
What are some things to consider when looking into Medicare Part B?
- Many clients will enroll during their 7-month, Initial Enrollment Period.
- If you are employed full-time and your employer has 50 or more employees then you may defer Part B.
- We will compare and contrast your pricing and recommend a time frame for your Part B enrollment.
- If you are a high earning individual, you may have a higher Part B premium due to IRMAA/income related penalty. The IRMAA penalty may affect your Part B enrollment timing.
What happens if I can’t afford Medicare Part B?
- There are programs that assist with Medicare Part B premiums.
- The Qualified Medicare Beneficiary (QMB) and Specified Low Medicare Beneficiary (SLMB) programs assist with Part B premiums and require three general eligibility requirements:
- Be enrolled in Part A Medicare (hospital insurance).
- Have resources not exceeding the QMB/SLMB resource maximums.
- Have income not exceeding the QMB/SLMB standard of the Federal Poverty Level for assistance group size.
When and how do I sign up for Medicare Part B?
- Typically a client will enroll in Medicare during their initial enrollment period.
- The initial enrollment period is 3 months prior to the client’s 65th birthday, the clients 65th birthday month, and the 3 months following the 65th birthday month. If you turn 65 in June, your initial enrollment period is March-September.
- We recommend signing up in the 3-month window prior to turning 65 to avoid any delays. You can sign up directly at the Medicare office/social security office or go to www.ssa.gov and enroll directly online.
- If a client enrolls in Part A at 65 but defers Part B because the client has credible coverage from a job/retiree plan, spouse’s coverage, or another source, the client may have a special enrollment period that will allow the client to enroll in Part B at a later date.
- To enroll under this method, there are two specific forms that need to be completed and mailed to the social security office. These forms can be found here.
- We always recommend completing the forms 2-3 months from the desired Part B effective date.
What coverage changes can I make to Part B during the Open Enrollment?
- Changes made during this period are for Part D and Medicare Advantage plans. You can switch from Medicare Advantage plans to Original Medicare with a Part D plan or you can simply rate shop your current Part D plan.
- It’s important to note, during Open Enrollment your Part B premium will maintain the status quo. Changes made to Part D or MAPD during Open Enrollment Period will not affect your part B premium.
Can Medicare Part B be canceled?
- Yes, Medicare Part B can be canceled if you do not pay your monthly premiums.
- Also, if you decide to go back to work and your employer-sponsored coverage is better than your Medicare coverage, you may decide to proactively terminate your Medicare Part B coverage. However, this must be done in person at an SS office.
What are Medicare Part B premiums?
- The monthly premium is determined annually by the government and will likely rise over time.
- There is also an income adjustment called IRMAA for certain individuals making over $87k individual or $174k for husband/wife.
- In 2020, the base Medicare Part B premium is $144.60/mo per person. This premium is either billed quarterly to you if you are not drawing SS benefits or taken directly out of your SS check. If you plan on delaying SS until a later date (like age 70), you may wish to have the Medicare Part B premiums drafted out of your checking account by using this document.
Does Medicare Part B qualify as minimum essential coverage?
- Yes! If you have Medicare A/B, you have met the requirements of the Affordable Care Act (Obamacare) and have creditable coverage.
- Said another way, if you have a red, white, and blue Medicare card, you will not be charged a tax penalty by the government because you didn’t enroll in a Marketplace plan.
Are Medicare Part B premiums tax deductible?
- Yes, Medicare premiums are deductible as a medical expense if you meet certain conditions required by the IRS.
- With the recent changes in tax law, we recommend you consult your accountant to confirm.