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Health Insurance & Medicare

At C.M. Carrillo Financial Advising, we have always been very proud of our firm's business model because it is what has always allowed us to truly take a comprehensive and well balanced approach to the overall financial planning process. With that being said, there are certain aspects of financial planning that we do not address in house; however, that does not mean that we have forgotten about these particular aspects of the process. Every component of one's financial plan is relevant because each component has the ability to impact all of the others. Two very important components of one's financial situation that we do not directly provide solutions for include Health Insurance and Medicare. That is why we have been very proactive when it comes to establishing strategic relationships with trusted professionals who specialize in these two areas.

It is very important to understand the differences between Health Insurance, Medicare, and Long Term Care
Insurance. It is important to know what each one covers and what each one does not cover. For example, many
people have misconceptions about what government benefits will cover and for how long. In retirement, it is
common for people to access the care that they need by utilizing a patchwork of different types of coverage.

For information about Long Term Care Planning, use this link to view our Long Term Care Planning Page.

Health Insurance

When it comes to Health Insurance, the amount of change that occurs within the marketplace from year to year is substantial, and this can certainly make it very challenging to determine which policy or plan is right for you. During open enrollment, many people feel bombarded by so much information that it can very quickly become overwhelming. Fortunately, we happen to know some extremely knowledgeable individuals that can help you make sense of it all.

Jim and Nancy Crump started Painless Health Coverage, LLC in order to help individuals, families, and small business owners find the right policy or plan that will provide the coverage they need given their unique needs and situation. Their company is a boutique Health Insurance Agency and their collective expertise allows them to make that which is complicated simple.

If you would like to learn more about Painless Health Coverage, LLC please feel free to use the links provided below.
If you would like us to arrange a warm introduction with Jim or Nancy, please feel free to contact us at any time. | (314)-724-0116

Jim & Nancy Crump


As we get older and enter our post retirement years, healthcare is routinely addressed by utilizing a patchwork of solutions and it is important to remember that these solutions can work together. For example, when married couples are preparing to enter their retirement years, it may become necessary to examine different options if there is a bit of an age difference between each spouce or if each spouse plans on retiring at a different age. Whatever the case may be, Health Insurance, Medicare, and Long-Term Care Planning are each elements of one's overall financial plan that play a very important role from a healthcare perspective.

And of course when it comes to Medicare, it is very common for individuals and couples to have questions about how such a transition will affect their access to our healthcare system. Transitioning from the plan that one has through his or her employer to something new can certainly create some uncertainty. And as we all know, for many, change is not always easy.

Fortunately, for those who require some guidence, we have a strong relationship with a trusted industry professional who also works within The Greater St. Louis Area. David Adams is the Founder, Owner, and Medicare Solutions Specialist of Simply Senior Solutions. David truly has a passion for helping his clients navigate the process of obtaining their Medicare coverage. He has a thorough and straightforward process that he uses when working with all of his clients, and at the end of the day, he derives a substantial amount of personal satisfaction from helping pepole transition into retirement with the Medicare coverage that is most appropriate for them.

It should be noted that David has the ability to access the plans of many different Medicare providers. Consequently, this enhances his ability to help people obtain the coverage that is going to best suit their needs and preferences. If you would like to learn more about your Medicare options, we would highly encourage you to reach out to David. He is very knowledgeable and he is always more than happy to help in any way that he can.

                                   David Adams

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All entities listed are separate and unrelated to C.M. Carrillo Financial Advising.

All entities listed are separate and unrelated to Prosperity Wealth Management, Inc.

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