Alex Adams, Medicare Insurance Broker
Alex Adams
TrueStar Senior Benefits
Medicare Broker Licensed in MO and IL
10+ Years of Experience
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Serving
Festus, MO
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About Me
Alex Adams is a licensed insurance advisor with more than 10 years of experience helping seniors and individuals navigate their Medicare and insurance options. Throughout his career, he has assisted thousands of clients across the country while leading successful enrollment and sales teams serving 29 states. Today, he’s proud to bring that same level of expertise home to Missouri and Illinois, focusing on building genuine, face-to-face relationships within the community he knows best.
Born and raised in Jefferson County, Alex graduated from Fox High School before attending the University of Missouri–St. Louis (UMSL). He and his fiancée live in Pevely, where they stay busy raising their family, including two stepchildren and a baby girl on the way. Their home is also shared with five adopted dogs who certainly keep life interesting.
Alex believes the insurance experience should be personal, not transactional. After years of working in large nationwide call centers, he founded Truestar Senior Benefits to provide something increasingly rare—local expertise, in-person conversations, and guidance from someone who truly takes the time to listen. His goal is simple: help every client understand their options, feel confident in their decisions, and know they have a trusted advisor they can rely on for years to come.
My Google Reviews
12 Total Reviews (5.0 )
October 21, 2026
I have been using Alex for the past five years to assist me choosing my Medicare Advantage plan. He’s very knowledgable in the plans that are available in my area. Alex is very thorough and I like the way he visually displays plans side by side and reviews them line by line. I highly recommend Alex to help with medical insurance needs. Jim Linehan St. Charles MO
October 20, 2026
October 16, 2026
Alex was helpful and professional throughout the entire process. He took the time to listen to my insurance needs, walked me through my options, and delivered the ultimate solution. I highly recommend his services!
September 30, 2026
Alex Adam's is the nicest guy to work with. He made everything so easy to understand and eliminated the confusion of it all. I would highly recommend him.
September 11, 2026
Q&A with Alex Adams
I picked a PPO for the flexibility, but now every time I go out of network the bills are outrageous. What's the point of even having a PPO?
Answer: That's a fair question. The biggest advantage of a PPO is having the flexibility to see doctors outside of your plan's network, but unfortunately, that doesn't mean the costs will be the same. Out-of-network visits often come with much higher copays or coinsurance. Which means bigger bills.
If you're regularly seeing doctors outside your network, it may be worth reviewing your coverage to see if there's a better fit. Not all PPO plans have the same out-of-network costs, and those differences can really add up. I often look for plans that offer the same in and out of network cost for specialist for example, helps my clients have predictable cost at new providers.
Do Medicare Advantage PPO plans require referrals to see specialists?
Answer: No, Medicare Advantage PPO plans generally do not require referrals to see specialists.
This freedom and flexibility with provider choice is one of the reasons some clients prefer to utilize a PPO instead of an HMO.
While there are no referrals on a PPO, there is still the possibility that certain services may still require prior authorization, and some specialists may have their own referral requirements before seeing a patient.
Is it mandatory to sign up for Medicare at age 65?
Answer: Not at all - there are many scenarios where it is acceptable, and even advised not to sign up for Medicare when you turn 65. Just as it is important for some folks to enroll when turning 65, it can be equally important for others not to, as many mistakes here on either scenario can result in costly penalties.
Ultimately the most important thing I've learned over the years is everyone's situation is different and we have to ask a lot of questions, and the right questions before we can say one way or another what is best for you.
How can I check if my prescription drug is covered before enrolling in a Medicare Part D plan?
Answer: Checking medications is a crucial part of the plan selection process. Not having access to medications, or a preferred pharmacy is one of the biggest pain points I see with Medicare beneficiaries every year. Often times costing headaches and extra money every time you refill a prescription.
The quickest and easiest way to do the research on your own is to utilize the tools on Medicare.gov by finding the plan you are considering enrolling into, and adding your prescription, dosage, refill frequency and then pharmacy.
Not all plans are going to cover a medication the same, so it is important to be accurate with which plan and exactly which medication you take so that you can see how the plan's formulary (list of covered drugs) applies to your medication.
Is the Medicare Extra Help program expected to change in 2026?
Answer: Great question! The Extra Help savings program, also known as Low Income Subsidy (LIS), is not expected to make any major changes this year.
While no major changes are expected, we can expect the qualifying income thresholds and the assistance levels Medicare beneficiaries receive to vary year to year.
What are the reasons why I should work with a Medicare agent?
Answer: Medicare agents are professionally licensed experts in their field. This creates a simple and effective path to those Medicare beneficiaries to understand the process. Not unlike using expert professionals for other services like tax experts, legal experts, and real estate.
Should I worry about Medicare cuts?
Answer: In my 10 years of experience, I have always found it best to stay informed and educated rather than worry.
Most often, the headlines we see involving changes or cuts in Medicare do not impact you or your healthcare plan directly.
My advice: stay informed and do your research beyond the headlines, or reach out to an agent like myself for guidance on specific issues and how they may affect you.