Filer Insurance STL - Insurance Products

Our Insurance Products

Missouri & Illinois Medicare Supplements Plans

Freedom to Choose

Providers who accept original Medicare will also accept your Medicare Supplement. Medicare supplements do not require referrals to see a specialist. You pay a premium and in most cases you are not required to pay co-pays & deductibles. There are no top end dollar limits on most services.

Missouri & Illinois HMO & PPO Plans

Representing Top Companies

Other benefits that may be included in a MAPD plan, such as preventative dental, eye glasses, hearing aids, transportation to and from an office visit, & Silver Sneakers gym membership, are not provided in original Medicare or a Medicare supplement. To be eligible for a MAPD, you must have Parts A&B of Medicare, your residence must be in the servicing area and you cannot have end stage renal disease (ESRD).

Missouri & Illinois Medicare Part D Prescription Plans

Medicare prescription drug benefits

Plans are administered by various insurance companies, all offering benefits which meet minimum federal standards. Some plans have additional benefits beyond federal requirements. Plans can be reviewed and changed each year. Formularies, deductibles and an individual’s medication need can and do change.

Missouri & Illinois

Co-Payment Reimbursement Plans

Plans offer cash payments to help defray out of pocket expenses for hospital and related deductibles and co-payments. Benefits can be paid directly to the insured individual. Helps avoid surprises or unexpected expense when hospitalized, often used along with Medicare Advantage plans.

Missouri & Illinois Home Health Care Plans

Less stress and burden on family.

Allowing a professional Home Health Care agency to care for a patient convalescing will provide less stress and burden on family members while maintaining a higher level of dignity, modesty, & privacy. J. Berg & Associates offer long and short term programs through some of the most well-known and highly rated insurance companies.

Missouri & Illinois Long Care Insurance Plans

Planning For Long Term Care

Custodial care (assistance with activities of daily living or cognitive impairment) it’s generally NOT covered. Patients that receive care in a nursing home can receive quality care provided by nurses and aides, reducing much of the burden and responsibility for family members. Protects assets and could preserve your estate.

Missouri & Illinois Final Expense Life Insurance Plans

For Protection to pay outstanding debt or obligations.

Final Expense could include funeral or burial expense, unpaid taxes or bills, travel expenses, unpaid medical expenses and a variety of other bills. The face amounts are typically between $2,000 and $15,000 of death benefits. Issue ages can between 0-89. Policies can also possibly be issued regardless of health questions between the ages of 50-75 in Missouri*.
*Benefits may be graded.

Missouri & Illinois Annuities

Payments Series

We also offer immediate annuities. In exchange for a sum of money, the annuity guarantees that the insurer will make a series of payments. These payments can be level or increasing periodic payments for a fixed term of years or until the ending of a life or two lives.