Thomas Insurance Group
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With over a century of combined experience, Thomas Insurance Group has served the insurance needs of Southeast Missouri, including Cape Girardeau, Jackson, Scott City, Sikeston, Charleston, East Prairie, Perryville, Sainte Genevieve and various locations throughout the United States, for more than two decades. THOMAS INSURANCE GROUP is dedicated to finding the right products that meet our client's needs.

As a leader in the insurance industry, we offer professional expertise, trusted advice and work with you to develop the right plan for your future. We provide individuals and businesses with health, life, annuities, and medicare insurance options. Take a few minutes to learn about the types of coverage we provide and the educational resources we offer, and then contact us to discuss how we can help meet your unique needs.

Very knowledgeable and was a great help to me as I recently had to navigate the Medicare supplement process. He made it effortless less for me and I'm truly grateful for his expertise and excellent customer service.
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Meet the TIG Thomas Insurance Group team.
With over a century of combined experience, we have dedicated our careers to helping you find the right products to meet your needs.
Contact us today for professional expertise, trusted advice and to develop the right plan for your future.
Charley started selling insurance for Missouri Farm Bureau in his hometown, Charleston, MO, in 2002.
Almost two decades of experience and continual training have broadened his service offerings to include Employer Health Insurance, Disability Insurance, Medicare Supplements, Life Insurance, Long Term Care Insurances, Annuities and Individual Retirement Accounts.
We believe that the better educated you are about Medicare, the easier it will be for you to make the right decisions about your Medicare health insurance choices.
That's why we've created this resource section.
This Medicare information section is here to educate you about your insurance options and provide you with the resources you need to help you select the right plan for your unique needs.
If there's anything you need or if you have any questions, please feel free to contact us.
We are here to help.
Medicare Supplement policies (also known as Medigap policies) are standardized and must follow federal and state laws designed to protect you.
Insurance companies can only sell you a "standardized" policy identified in most states by letters (see the chart below).
All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs.
As you can see in the comparison chart there are many options from which to choose.
As licensed insurance agents we can help you understand the differences between the plans so that you can decide on the right plan for you.
Medicare Advantage is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.
In most HMO Plans, you can only go to doctors, other health care providers, or hospitals on the plan's list except in an emergency.
You may also need to get a referral from your primary care doctor to see other doctors or specialists.
Find and compare HMO Plans in your area.
A Medicare PPO Plan is a type of Medicare Advantage Plan (Part C) offered by a private insurance company.
You can sign up for Part D Prescription Drug Plans, which helps cover prescription drug costs, along with other components of Medicare starting three months before your 65th birthday.
It's important to do this on time because there's a permanent premium surcharge for enrolling more than three months after your 65th birthday if you don't have equivalent drug coverage from another source, such as a retiree plan.
In 2021, you are facing higher out-of-pocket drug costs before you can qualify for catastrophic coverage.
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