Wilson & Co. Insurance

10/19/2026

A federal website can tell you what plans exist. It cannot tell you which one fits your life in Washington, Missouri.

Federal guidance on individual health insurance is written for everyone. That means it does not know if you are self-employed in Franklin County, managing a chronic condition, or supporting a family on one income.

What those pages do well: they outline the types of plans, like a PPO (a list of doctors you can see without a referral) and an HMO (you start with a primary doctor). Useful vocabulary. Not a choice.

What they cannot do is weigh those options against your doctors, your prescriptions, and the premium the household can actually carry.

That is the Washington part of the conversation. Not a promise the first plan we name will fit. A look at the names on your current card first.

10/16/2026

We had a full house this week at our annual Medicare meetings! Thank you to everyone that joined!

If you missed this week's meetings, we have more coming up!
Visit our website to find one that works for you! https://wlsn.co/rsvp-for-2027-anoc-meeting/ -form

10/16/2026

It is a quiet question for a lot of Missouri retirees: what if the savings run out first?

An annuity is one contract people look at for that question. You put money in. The contract spells out what comes back, on what schedule, and for how long. Some pay for a set number of years. Some are written as lifetime income. Those are not the same product, and neither one is automatic.

The contract also does not pick the amount for you. Money inside an annuity is usually harder to reach than money in a savings account. Surrender periods, fees, and what happens if you die early are the lines to read before anyone calls the income predictable.

We sit in Washington and walk through those lines in plain language. We do not promise a check that cannot stop.

10/16/2026

A Medicare Advantage plan can change from one year to the next. Doctors, drugs, and extra benefits are not frozen in place because last year felt fine.

The paper that shows the change is the Annual Notice of Change. It is easy to set aside. It is also the page that says whether your doctor, your prescriptions, and the extras are still on this plan for the coming year.

The annual election period is when most people can switch Advantage plans. It is not proof your plan is being eliminated, and it is not a deadline to panic over. It is a reason to read the notice.

Someone in Washington managing a chronic condition is not looking at the same network as a healthy neighbor. We start with what the notice actually changed. Not with a national headline.

10/12/2026

Most Missouri families set dental and vision aside as extras.

A major medical plan is usually built for the hospital and the doctor. A crown, a filling, or a pair of glasses is often a different contract. The two do not automatically cover each other.

Before you skip them, ask a plain question: does the health plan you already have pay for a routine dental visit, a pair of lenses, or neither? The answer is not the same for a family of five and a person who only wants a checkup.

That is the conversation. Not a claim that a premium will pay for itself. We walk through what the plans actually pay for this household.

10/09/2026

Not every Missouri senior walks into Medicare the same way — and treating them like they do is where things go wrong.

Turning 65 is the most common entry point. Someone under 65 who qualifies through a disability has a different enrollment window and a different plan landscape. Someone managing End-Stage Renal Disease is looking at coverage questions that are more complex still.

An 800-number can read the national rules. It cannot sit with you in Washington and ask which of those three windows you are actually in.

That is the first question. Not a quote. Which situation is yours?

10/07/2026

A lot of Missouri business owners assume group health plans are take-it-or-leave-it. They're not.

Group coverage can include medical, dental, vision, and even mental health benefits — and the mix depends on your workforce, not a template.

One option worth knowing: an HRA, or Health Reimbursement Arrangement. That means you set aside a fixed amount to reimburse employees for health expenses. You control the budget. They keep flexibility.

What works for a 5-person shop in Washington, MO looks different than a 50-person team in St. Louis.

Curious what a plan tailored to your team could look like?

10/06/2026

It's that time of year again! We are hosting our annual seminars to review the changes to your 2027 Medicare plans! Visit our website to RSVP! 🙂

Request a custom quote from Wilson & Co for affordable insurance in Washington, MO.

10/05/2026

Most people put off asking an insurance question because they expect a sales pitch the moment they reach out.

That fear is understandable. It is not how this office works.

When you contact us, you reach a person in Washington, Missouri. You ask the question. We listen.

Individual health insurance looks different for everyone. A 32-year-old freelancer and a family of five are not the same quote. One conversation tells us which of those we are actually talking about.

After decades with Missouri families, the pattern is simple: the next question comes from your doctors, your prescriptions, and your budget. Not from a template quote.

10/03/2026

As of October 1, 2027 plan details became publicly available. The enrollment window opens October 15 and closes December 7 — that's the one annual window to make changes.

Before you touch anything, verify three things specific to Franklin County.

First: Is your current plan still offered here in 2027? Nationally, over 1,100,000 Medicare Advantage members are losing their plans on January 1. County-level availability varies — what's offered in St. Louis may not be offered in Washington.

Second: Are your doctors and preferred pharmacy still in-network for 2027? Networks change annually, and an out-of-network visit can cost significantly more.

Third: Has your prescription drug formulary shifted? Drug tiers and cost-sharing can change even when the plan name stays the same.

Have you checked all three for your specific situation this year?

We've spent decades helping Washington, MO residents navigate exactly this — one plan at a time, not one-size-fits-all. Call us: (636) 239-4945 or visit wlsn.co