Independent Medicare insurance agency · Republic, MO

Medicare is confusing. Your local agent shouldn’t be.

Hobbs Insurance Group helps you sort through Medicare Advantage, Medicare Supplement, and Prescription Drug Plan options in plain English — across the plans we represent — so you can choose with confidence. Consultations are free.

Call (417) 425-3937 Schedule a Free Consultation

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How we can help

Medicare options, explained by someone who lives here

Every situation is different. We start by listening, then walk you through the options we represent that fit your doctors, prescriptions, and budget.

Medicare Advantage

Part C plans offered by private insurance companies approved by Medicare. Many combine hospital, medical, and drug coverage in one plan.

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Medicare Supplement

Medigap policies that help pay costs Original Medicare doesn’t, like deductibles, copays, and coinsurance.

Learn more →

Prescription Drug Plans

Part D coverage for your medications. We help you compare how your prescriptions are covered.

Learn more →

Turning 65

New to Medicare? We’ll explain your timeline, Parts A and B, and how to avoid late enrollment penalties.

Learn more →

Enrollment Periods

When you can join, switch, or drop coverage — including the Annual Enrollment Period, October 15 – December 7.

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Annuities

Insurance-based options that some people use to help protect savings or create retirement income.

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Simple process

What working with us looks like

No pressure and no cost for our help. You make the decision.

Talk with us

Call, stop by our Republic office, or request a call back. We’ll learn about your doctors, prescriptions, and priorities.

Compare options

We review plans we represent that are available in your area and explain the trade-offs clearly.

Enroll & get ongoing help

If you choose a plan, we help with the application — and we’re here year after year to review your coverage.

Why Hobbs Insurance Group

A real office. Real people. Right here in Republic.

We’re a locally owned, independent agency. That means we work with multiple insurance companies instead of just one, and you can sit down with us face to face at our office on East Harrison Street.

Licensed insurance agents
Free, no-obligation consultations
Help comparing plans from the companies we represent
Annual coverage reviews before each enrollment season
In-office, phone, or virtual appointments

Meet Our Agency

Visit our office

663 E. Harrison St.
Republic, MO 65738

(417) 425-3937 (TTY 711)
[email protected]

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Common questions

Frequently asked questions

Does it cost anything to work with you?

No. Our consultations are free and there is no obligation to enroll. Licensed agents are typically paid by the insurance company if you choose to enroll in a plan, and that does not change your plan’s premium.

When can I change my Medicare plan?

Most people can make changes to Medicare Advantage and Part D coverage during the Annual Enrollment Period, October 15 – December 7, with coverage starting January 1. Other enrollment periods may apply to your situation. See our Enrollment Periods page.

What’s the difference between Medicare Advantage and a Medicare Supplement?

Medicare Advantage plans replace how you receive your Original Medicare benefits and usually use provider networks. Medicare Supplement policies work alongside Original Medicare to help pay out-of-pocket costs. We’ll explain which may fit your needs.

Do you offer every plan available in my area?

No. We represent [#] organizations which offer [#] products in your area. For information on all of your options, contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP).

Can we meet in person?

Yes. You’re welcome at our office at 663 E. Harrison St., Republic, MO 65738. Call ahead at (417) 425-3937 so we can have time set aside for you. Phone and virtual appointments are also available.

Questions about your Medicare options?

Talk with a licensed agent at our Republic office. The consultation is free.

Call (417) 425-3937 Request a Call Back

Home › Medicare Advantage

Medicare Part C

Medicare Advantage plans

Medicare Advantage plans are offered by private insurance companies approved by Medicare. They provide your Part A and Part B benefits, and many also include prescription drug coverage.

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How Medicare Advantage works

When you join a Medicare Advantage plan, you still have Medicare — but the plan, rather than Original Medicare, covers your hospital and medical services. You generally must continue paying your Part B premium.

Plans differ in important ways, including:

Provider networks — HMO plans generally require in-network care; PPO plans may cover out-of-network care at a higher cost.
Costs — premiums, deductibles, copays, and coinsurance vary by plan.
Out-of-pocket limit — every plan has a yearly maximum on what you pay for covered Part A and B services.
Drug coverage — many plans include Part D; formularies differ.
Additional benefits — some plans may include benefits like routine dental, vision, or hearing. Benefits vary by plan and area.

Plans change every year. Even if you liked your plan last year, its doctors, drug list, and costs can change on January 1. Reviewing your coverage during the Annual Enrollment Period is a smart habit.

Compare Medicare Advantage plans

We’ll check your doctors and prescriptions against plans we represent in your area.

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Questions to ask

What we’ll review with you

Your doctors

Are your doctors, specialists, and hospitals in the plan’s network?

Your prescriptions

Are your medications on the formulary, and at what tier and cost?

Your budget

Premiums, copays, and the plan’s maximum out-of-pocket amount.

Your lifestyle

Do you travel or spend part of the year away from home?

Medicare Advantage FAQ

Who can join a Medicare Advantage plan?

Generally, you must have Medicare Part A and Part B and live in the plan’s service area. Enrollment is limited to certain times of the year unless you qualify for a Special Enrollment Period.

Can I have a Medicare Advantage plan and a Medicare Supplement?

No. Medicare Supplement policies are designed to work with Original Medicare, not Medicare Advantage. It’s generally illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage plan, unless you’re switching back to Original Medicare.

What happens if my plan is leaving my area?

If your plan is not renewing its contract in your service area, you will receive a notice and you may qualify for a Special Enrollment Period to choose new coverage. Call us and we’ll help you review your options.

Questions about your Medicare options?

Talk with a licensed agent at our Republic office. The consultation is free.

Call (417) 425-3937 Request a Call Back

Home › Medicare Supplement

Medigap

Medicare Supplement insurance

Medicare Supplement (Medigap) policies are sold by private insurance companies and help pay some of the costs Original Medicare doesn’t cover, such as deductibles, copayments, and coinsurance.

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How Medicare Supplement insurance works

A Medigap policy works alongside Original Medicare (Parts A and B). Medicare pays its share of approved costs first, then your Medigap policy may pay some or all of what’s left, depending on the plan.

Use any doctor or hospital in the U.S. that accepts Medicare
Plans are standardized — a Plan G offers the same core benefits from any company
Premiums differ between insurance companies, so comparing matters
Medigap policies don’t include prescription drug coverage; you can add a separate Part D plan

Timing matters. Your Medigap Open Enrollment Period lasts 6 months, starting the first month you’re 65 or older and enrolled in Part B. During this time, companies generally can’t deny coverage or charge more because of health conditions. Outside of it, you may have to answer health questions. Missouri also has an annual policy anniversary rule that may let you switch to another Medigap policy with the same benefits — ask us how it works.

Compare Medicare Supplement rates

We’ll compare premiums for the same plan letter across the companies we represent.

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At a glance

Medicare Supplement vs. Medicare Advantage

Both are ways to get your Medicare coverage. Which fits depends on your health, budget, and preferences.

	Medicare Supplement + Part D	Medicare Advantage
Doctors	Any provider nationwide that accepts Medicare	Usually a provider network (HMO/PPO)
Monthly premium	Medigap premium + Part D premium + Part B premium	Plan premium (varies) + Part B premium
Out-of-pocket costs	Often lower and more predictable, depending on plan	Copays/coinsurance up to the plan’s yearly limit
Drug coverage	Separate Part D plan	Often included
Health questions	May apply outside guaranteed-issue periods	Generally not required

Want to compare Medigap premiums?

Same plan, different price. We’ll show you rates from the companies we represent.

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Home › Prescription Drug Plans

Medicare Part D

Prescription Drug Plans (Part D)

Part D plans are offered by private insurance companies approved by Medicare and help cover the cost of prescription drugs. Coverage and costs vary from plan to plan — and from year to year.

Call (417) 425-3937 Free Consultation

Choosing a drug plan

You can get Part D coverage through a stand-alone Prescription Drug Plan (often paired with Original Medicare and a Medigap policy) or through a Medicare Advantage plan that includes drug coverage.

Formulary — each plan has its own list of covered drugs
Tiers — your cost depends on the drug’s tier
Pharmacies — preferred pharmacies may cost less
Annual out-of-pocket cap — Part D now limits what you pay each year for covered drugs
Payment plan — the Medicare Prescription Payment Plan lets you spread drug costs over the year

Avoid the late enrollment penalty. If you go 63 days or more without Part D or other creditable drug coverage after your Initial Enrollment Period, you may owe a penalty for as long as you have Part D coverage.

Bring a list of your medications, doses, and preferred pharmacy — we’ll compare how plans we represent cover them.

Check your prescriptions

Tell us how to reach you and we’ll review your medication list with you.

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Part D FAQ

Do I need Part D if I don’t take any medications?

You don’t have to enroll, but if you don’t have other creditable drug coverage you could face a late enrollment penalty if you join later. Many people choose a plan when first eligible for that reason.

Can I get help paying for prescriptions?

People with limited income and resources may qualify for Extra Help from Social Security. Call us and we’ll point you in the right direction, or contact Social Security directly.

Can I change my drug plan every year?

Yes. During the Annual Enrollment Period, October 15 – December 7, you can switch Part D plans, with coverage starting January 1.

Questions about your Medicare options?

Talk with a licensed agent at our Republic office. The consultation is free.

Call (417) 425-3937 Request a Call Back

Home › Turning 65

New to Medicare

Turning 65? Let’s make Medicare simple.

Your Initial Enrollment Period is a 7-month window around your 65th birthday. We’ll help you understand the timeline, your choices, and how to avoid costly penalties.

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Your Medicare timeline

3 months before you turn 65

Your Initial Enrollment Period begins

Signing up early lets coverage start the month you turn 65. If you already get Social Security benefits, you may be enrolled in Parts A and B automatically.

Your birthday month

Coverage can begin

Decide how you want to receive your coverage: Original Medicare with a Medigap policy and Part D plan, or a Medicare Advantage plan.

3 months after your birthday month

Initial Enrollment Period ends

Waiting past this window without other qualifying coverage may lead to late enrollment penalties for Part B and Part D.

6 months after Part B starts

Medigap Open Enrollment ends

Your best window to buy a Medicare Supplement policy without health questions.

Turning 65 checklist call

We’ll walk you through your timeline and options at no cost.

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The basics

The parts of Medicare

Part A

Hospital insurance: inpatient stays, skilled nursing facility care, hospice, and some home health care.

Part B

Medical insurance: doctor visits, outpatient care, preventive services, and medical equipment.

Part C

Medicare Advantage: private plans that provide Part A and B benefits, often with drug coverage.

Part D

Prescription drug coverage, offered by private insurance companies approved by Medicare.

Still working past 65?

If you or your spouse have health coverage from current employment, you may be able to delay Part B without a penalty and sign up later during a Special Enrollment Period. The rules depend on your employer’s size and coverage — give us a call and we’ll help you think it through.

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Turning 65 soon?

Start the conversation 3 months before your birthday month. We’re here to help.

Call (417) 425-3937 Request a Call Back

Home › Enrollment Periods

Know your dates

Medicare enrollment periods

With Medicare, when you enroll matters. Here are the main windows to join, switch, or drop coverage.

Call (417) 425-3937 Free Consultation

October 15 – December 7

Annual Enrollment Period (AEP)

Join, switch, or drop a Medicare Advantage or Part D plan, or return to Original Medicare. Changes take effect January 1.

January 1 – March 31

Medicare Advantage Open Enrollment

If you’re in a Medicare Advantage plan, you can switch to a different Medicare Advantage plan or go back to Original Medicare (and join a Part D plan) one time.

7 months around age 65

Initial Enrollment Period (IEP)

Begins 3 months before the month you turn 65 and ends 3 months after. Your first chance to enroll in Medicare.

6 months after Part B begins

Medigap Open Enrollment

Starts the first month you’re 65 or older and have Part B. Generally your best time to buy a Medicare Supplement policy.

When life changes

Special Enrollment Periods (SEP)

Moving, losing employer coverage, qualifying for Extra Help or Medicaid, or your plan leaving your area may let you make changes outside the usual windows.

January 1 – March 31

General Enrollment Period

If you missed your Initial Enrollment Period, you can sign up for Part A and/or Part B. Coverage starts the month after you enroll; penalties may apply.

Every fall, plans send an Annual Notice of Change describing changes to costs, benefits, and drug coverage for the next year. Bring it to your review and we’ll go through it with you.

Annual review

Book your Annual Enrollment review

Appointments fill up fast between October 15 and December 7. Reserve a time to review your current coverage against plans we represent for next year.

Bring your Medicare card and current plan information
Have a list of your doctors and pharmacies
List your medications and doses

Call (417) 425-3937

Reserve your review

We’ll call to schedule a time that works for you.

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Home › Annuities

Retirement planning

Annuities

An annuity is a contract with an insurance company. Depending on the type, it may help you grow savings on a tax-deferred basis, protect principal, or create a stream of income in retirement.

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Is an annuity right for you?

Annuities aren’t right for everyone. They are long-term products and often carry surrender charges if you withdraw money early. We’ll take time to understand your goals, timeline, and need for access to your money before discussing any product.

Common types

Fixed annuities — credit a declared interest rate for a set period.
Fixed indexed annuities — credit interest based partly on a market index, with protection from market losses, subject to caps or participation rates.
Income annuities — convert a lump sum into payments that can last for a set period or for life.

Annuities are insurance products, not deposits. They are not FDIC insured and are not guaranteed by any bank. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Withdrawals may be subject to surrender charges and taxes, and withdrawals before age 59½ may incur an IRS penalty. We do not provide tax or legal advice.

Talk about your retirement goals

No pressure. We’ll listen first.

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Planning for retirement income?

Sit down with a licensed agent at our Republic office.

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Home › About Us

About Hobbs Insurance Group

Your neighbors in Republic, Missouri

Hobbs Insurance Group focuses on navigating the Medicare insurance process with you. Our consultations are free and help you discover the options available for your family.

Call (417) 425-3937 Free Consultation

Local, independent, and here for the long haul

Hobbs Insurance Group, LLC is a locally owned insurance agency led by Wade Hobbs. Our office at 663 E. Harrison St. in Republic is a place where you can sit down, ask questions, and get straight answers about Medicare.

As an independent agency, we work with multiple insurance companies. That lets us compare options from the companies we represent rather than steering you toward a single plan.

We know Medicare decisions affect your health, your budget, and your peace of mind. That’s why we take time to explain things clearly and help you every year when plans change — not just the day you enroll.

Personal service

You’ll work with a licensed agent who knows your name and your situation.

Independent guidance

Options from multiple insurance companies we represent, explained side by side.

Year-round support

Questions about a bill, a claim, or a plan change? Call us anytime during business hours.

Our commitments to you

How we do business

No pressure

Our role is to inform. The decision is always yours, and there’s never an obligation to enroll.

Your privacy

We do not sell your personal information. We use it only to help you with your insurance needs.

Your consent

Before discussing specific Medicare Advantage or Part D plans, we’ll confirm which products you’d like to talk about.

Stop by and say hello

663 E. Harrison St., Republic, MO 65738 · Call ahead so we can set aside time for you.

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Home › Free Consultation

Contact us

Schedule your free consultation

Call us, stop by the office, or send a request and a licensed agent will reach out.

Call a licensed agent

(417) 425-3937

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Visit our office

Hobbs Insurance Group LLC
663 E. Harrison St.
Republic, MO 65738

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Email us

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Request a free consultation

A licensed agent from our Republic office will reach out. No cost, no obligation.

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Home › Privacy Policy & Terms

Legal

Privacy Policy, Terms of Use & SMS Terms

Last updated: October 1, 2026

Privacy Policy

Hobbs Insurance Group LLC (“we,” “us”) respects your privacy. This policy explains what information we collect through this website and how we use it.

Information we collect

Information you provide, such as your name, phone number, email address, ZIP code, and the products you’re interested in.
Records of your consent, including the consent language shown, the date and time, and the page where you gave it.
Technical information, such as browser type, device, referring page, and campaign parameters, collected through cookies and similar technologies.

How we use information

To respond to your request and contact you about the insurance products you asked about.
To schedule and conduct appointments, and to provide customer service.
To keep records required by law and by the insurance companies we represent.
To improve our website and measure the effectiveness of our advertising.

How we share information

We do not sell or rent your personal information. We do not share your information with other agencies or third-party marketers. We may share information with the insurance companies you choose to apply with, with service providers who help us operate (for example, our phone, email, and CRM systems) under confidentiality obligations, and when required by law.

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.

Your choices

You may ask us to stop contacting you, or to access, correct, or delete your information, by calling (417) 425-3937 or emailing [email protected]. We honor do-not-call requests promptly and maintain an internal do-not-call list.

Security

We use reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission over the internet is completely secure.

Children

This website is not directed to children under 13, and we do not knowingly collect their information.

Consent to Be Contacted (TCPA)

By submitting a form on this website and checking the consent box, you give Hobbs Insurance Group LLC and its licensed insurance agents your prior express written consent to contact you at the phone number and email you provided, including by calls and text messages that may use an automatic telephone dialing system, an artificial or prerecorded voice, or AI-generated voice, about Medicare Advantage, Medicare Supplement, Prescription Drug Plans, and annuities — even if your number is on a federal, state, or company Do Not Call list. Your consent applies only to Hobbs Insurance Group LLC; it is not shared with or transferred to any other company. Consent is not a condition of purchase. You may call us directly at (417) 425-3937 instead. You may revoke consent at any time by any reasonable means, including replying STOP to a text, telling an agent on a call, or emailing [email protected].

SMS Terms

Program: Hobbs Insurance Group LLC informational and appointment messages related to your insurance inquiry.
Frequency: Message frequency varies.
Cost: Message and data rates may apply.
Opt out: Reply STOP at any time to stop receiving messages. You’ll receive one confirmation message.
Help: Reply HELP or call (417) 425-3937.
Carriers are not liable for delayed or undelivered messages.

Medicare Disclaimers

We do not offer every plan available in your area. Currently we represent [#] organizations which offer [#] products in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY users should call 1-877-486-2048), or your local State Health Insurance Program (SHIP) to get information on all of your options.

Hobbs Insurance Group LLC is not connected with, endorsed by, or affiliated with the U.S. government, the Centers for Medicare & Medicaid Services, or the federal Medicare program. This website is a solicitation of insurance. Plan availability, benefits, and costs vary by plan and service area. Before discussing Medicare Advantage or Part D plans, we will document the scope of your appointment as required. Calling the number on this website will connect you to a licensed insurance agent.

Terms of Use

The content on this website is for general educational purposes and is not legal, tax, or medical advice. Information about Medicare is subject to change; for official information visit Medicare.gov. We make reasonable efforts to keep content accurate but make no warranties about its completeness. By using this website, you agree to these terms. These terms are governed by the laws of the State of Missouri.

Accessibility

We want everyone to be able to use this website. If you have difficulty accessing any content, call us at (417) 425-3937 (TTY 711) and we’ll assist you.

Contact

Hobbs Insurance Group LLC
663 E. Harrison St.
Republic, MO 65738
(417) 425-3937 · [email protected]