Talk to Martin  (314) 530-6235

Martin Estepp | Medicare Benefits
Servicing St. Louis Metro Area including nearby surrounding counties in Missouri and Illinois.
(314) 530-6235

Let Me Assist You In Signing Up for Medicare Parts A & B

Medicare Planning • Active Listening • Problem Solving

I have years of experience helping seniors find the right coverage for their needs. I actively listen to my clients to determine their needs then help identify the coverage to solve their needs. I do more than just enroll a person in a plan, I provide Medicare planning and show you how you can eliminate your hospital copays.

Transportation to doctor’s appointments
In-home support services
Over-the-counter items
Post-discharge meals
Fitness center memberships
Nurses hotline and more
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Servicing St. Louis Metro Area including nearby surrounding counties in Missouri and Illinois.

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I'm Martin Estepp: A Senior Helping Seniors

I dedicate each day to helping members of our community find the right coverage to provide peace of mind. I listen to my clients with genuine care and work hard to meet their specific needs. My knowledge and professionalism helps individuals navigate the Medicare and Medicaid system to make informed choices.

I’m committed to helping you with every detail of the enrollment process and I’ll be there for you for plan renewals and changes. I want to be your trusted advisor and go-to person on Medicare and Medicaid related insurance issues.

I’m able to offer plans available to Missouri seniors and I have extensive knowledge of how to maximize the benefits and cost savings of each plan. Before choosing a plan, I want to be sure you know the difference between your many options. As long as you are enrolled in a plan I represent, I will be your trusted adviser. If you are new to Medicare, I will gladly sit down and educate you on what choices you have.

I’m a resident of St. Charles County, MO, and, as a caregiver to my wonderful wife, I have intimate knowledge of the benefits and resources available to seniors in our area.

My goal is to be transparent and informative from Day One and assist you through your Medicare journey.

Helpful Community Resources

I’d love to help you find solutions to your needs. Visit my community resource page to see a listing of helpful services and connections in the St. Charles area.

See Listing of Resources


  • Just want to say how grateful I am with the way you handled my husband Medicare insurance. Throughout the whole process, you showed how knowledgeable and professional you are in dealing with all the questions we had. You have since then been available whenever there was more understanding of the Medicare program needed. You made sure that my husband got the best coverage available to him. Again, we thank you greatly.

    — Pat M

  • “I want to thank you for being such a great and patient agent because you were very diligent in helping me to purchase the correct Medicare plan that was best for myself by even allowing me to switch plans again when I told you that I wanted to keep my same physician. Your knowledge of each plan and the care you expressed to me was very comforting. I'm pleased with the plan I chose because you answered my questions with much understanding. I would recommend you to others, just as you were referred to me. Thank you again.”

    – Sheila B.

  • I, Cheryl and my husband Harry would like to tell you what a wonderful representative you have working for you. Marty Estepp is such a nice, friendly, informative, and personal man. He sets and talks with you until you understand everything. He was never in a hurry to explain anything. We could not ask for a better person to work with. My sister Brenda also found out sitting here with us about the insurance plan and Marty helped her so much. She also took it. This has really helped my family. I am tickled to have Marty as our representative. Thank you!

    — Cheryl and Harry M

  • "I had set up my secondary insurance for my SS to start last September in the Social Security Office. They messed up things to change over for 2020. I lost insurance. Martin Estepp stepped in and it took close to 5 hours to get me reinstated. Incredibly pleased with how Martin handled everything."

    — Beverly R

  • "Marty helped me get my brother an electric wheelchair when nobody else could get it. Thanks Marty!"

    — Gina O.

Medicare FAQ

What is Medicare?
Medicare is a federally-administered health insurance program. There are two main parts of Medicare – Part A and Part B, with each covering certain healthcare costs. Part A covers inpatient hospital care, skilled nursing facility, hospice, and home health care. Part B covers doctor appointments, outpatient care, preventive services, occupational/physical therapies, and other medically necessary services.
Signing up for Medicare and who is eligible?
• Will I get Part A and Part B automatically?

• If you’re already getting benefits from Social Security or the Railroad Retirement Board (RRB), you’ll automatically get Part A and Part B starting the first day of the month you turn 65. (If your birthday is on the first day of the month, Part A and Part B will start the first day of the prior month.)

• If you’re close to 65, but NOT getting Social Security or Railroad Retirement Board (RRB) benefits, you’ll need to enroll in Medicare. Visit or call 1-800-MEDICARE (1-800-633-4227) to apply for Part A and Part B. You can also contact Social Security 3 months before you turn 65 months before you turn 65 to set up an appointment. If you worked for a railroad, contact the RRB.

• If you’re under 65 and have a disability, you’ll automatically get Part A and Part B after you get disability benefits from Social Security or certain disability benefits from the RRB for 24 months.

• If you have ALS (amyotrophic lateral sclerosis, also called Lou Gehrig’s disease), you’ll get Part A and Part B automatically the month your Social Security disability benefits begin.

• If you have End-Stage Renal Disease (ESRD) and you want Medicare, you’ll need to enroll. Contact Social Security to find out when and how to enroll in Part A and Part B. For more information, visit to view the booklet, “Medicare Coverage of Kidney Dialysis & Kidney Transplant Services.”
When can I enroll in Medicare?

You can first sign up for Part A and/or Part B during the 7-month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.

There are several other enrollment periods for Medicare.

October 1, 2023

  • Start comparing your current coverage with other options. You may be able to save money or get extra benefits.


October 15 to December 7, 2023,  AEP

Annual Enrollment Period

  • Change your Medicare health or drug coverage for 2022, if you decide to. You can join, switch or leave a Medicare Advantage Plan or a Medicare drug plan during this Open Enrollment Period each year.


January 1, 2024

  • New coverage begins if you made a change. If you kept your existing coverage and your plan’s costs or benefits changed, those changes also start on this date.


January 1 to March 31, 2024,  OEP

Open Enrollment Period

  • If you’re in a Medicare Advantage Plan, you can change to a different Medicare Advantage Plan or switch to Original Medicare (and join a separate Medicare drug plan) once during this time. Any changes you make will be effective the first of the month after the plan gets your request. 


Special Enrollment Period (SEP)

  • After your Initial Enrollment Period is over, you may have a chance to enroll in Medicare during a Special Enrollment Period. If you didn’t sign up for Part B (or Part A if you must buy it) when you were first eligible because you have group health plan coverage based on current employment (your own, a spouses, or a family member’s—if you have a disability), you can enroll in Part A and/or Part B:
  • Anytime you’re still covered by the group health plan.
  • Enroll in Essence
What is Medicare Advantage Plan (Part C)?
Medicare Advantage, also known as "Part C", is a type of Medicare plan offered by private insurance companies approved by Medicare approved Part A and Part B coverage, as well as other benefits such as dental, vision, and hearing. This plan is an "all-in-one" alternative to Original Medicare.
How Does Medicare Work with Employer Insurance?
When you have both Medicare and employer coverage, the size of your employer will determine how your Medicare benefits will coordinate with your employer coverage. If you become eligible for Medicare at age 65 while working for an employer with 20 or more employees, your group plan will be primary, and Medicare will be secondary.

In this scenario, most beneficiaries choose to sign up for Medicare Part A because it is premium-free for those who pay Medicare tax for sufficient quarters. Additionally, if you are currently collecting Social Security Income, you will automatically enroll in Medicare Part A. After 24 months, you cannot collect Social Security Income (SSI) benefits without signing up for Medicare Part A.

If you require care at a hospital, your Medicare Part A benefits will lower your costs. For example, imagine your employer’s group insurance has a $4,000 hospital deductible. In this case it makes sense to enroll in Medicare Part A for a lower deductible.

For your outpatient and prescription drug coverage, a group health plan from an employer with 20 or more employees is creditable coverage. Coverage creditable for Medicare safeguards you from paying late enrollment penalties for Medicare Part B and Part D when you enroll in the future.

Learn More About Medicare

Ready to talk to someone about Medicare?

You’ll be surprised to learn the benefits available to you. All you have to do is share your story with me. I love to listen. I’m available to meet in person, by phone or virtually. Let’s talk!

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Estepp Insurance: Medicare Benefits Consultant is not connected with or endorsed by the United States government or the federal Medicare program.

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