Your Local Professional St. Louis, MO Long-term Care Broker
Hello, my name is Jeff Ross, and I am an Independent Insurance Agent with over 15 years of experience, starting from 2006. My area of expertise lies in senior market solutions, and I collaborate with insurance companies that have exceptional risk management skills. My goal is to aid individuals in the St. Louis, MO area in finding their perfect plan. Utilizing my knowledge of high-quality health and managed care plans, I can identify the most suitable solution to meet your specific needs.

The Difference in Medicare Plans
Medicare Part A – Insurance coverage for hospital stays, skilled nursing facilities, hospice care, and specific in-home health services is provided by Medicare Part A.
Medicare Part B – Medicare Part B offers insurance coverage for visits to doctors, outpatient care, medical supplies, equipment, as well as preventive healthcare services.
Medicare Part C – Private health insurance companies provide Medicare Advantage plans, which offer comprehensive coverage that combines benefits from both Part A and Part B, along with additional perks. These plans also provide special needs and chronic illness coverage and are collectively known as Medicare Advantage plans.
Medicare Part D – Medicare Part D, which is available through private health insurance companies, provides coverage for prescription drugs. These plans can be obtained either as standalone policies or as part of a Medicare Advantage plan.
Supplement – Private insurance companies offer supplementary plans as secondary coverage to Medicare’s primary coverage. We offer free quotes for the available supplementary plans.
Long-term Care Insurance St. Louis, MO
Although every long-term care plan differs in coverage, they generally offer ongoing coverage and additional assistance with daily activities such as personal care, home healthcare, and adult day services for individuals with health conditions. Moreover, these plans typically include coverage for:
- Extended Nursing Home Stays
- Assisted Living
- Alzheimer’s or Memory Care Centers
- Adult Day Care Centers
- Home Health Providers
- Home Care (Policies Vary)
- Respite Care
- Hospice


Your St. Louis, MO Long-Term Care Broker
J Ross & Associates is dedicated to assisting you in choosing the most suitable long-term care insurance plan. As the leading independent insurance agency in St. Louis, Missouri, seeking advice from Jeff Ross is essential before finalizing your decision. Long-term care may be necessary if you are incapable of carrying out essential daily activities like bathing, eating, and dressing. Contact us to learn more about the eligibility requirements and expenses associated with long-term care insurance.
Expenses can be classified based on demographic factors such as:
- Age & Health
- Your Sex
- Your Marital Status
- Benefit Period
- Elimination Period
- Inflation Protection
If you need care, please don’t hesitate to contact J Ross & Associates today. We are the premier independent insurance broker in Mehlville, Missouri, and we offer FREE consultations.
