INDEPENDENT INSURANCE GUIDANCE FOR THE OZARKS
As an independent insurance agency in Mountain Grove, MO, we work with a range of trusted insurance providers so you can compare coverage choices in one place. Whether you need Medicare guidance, farm insurance, personal coverage, business protection, health insurance, or financial services, our team is here to help you talk through your options in plain language.
20+ Years Serving Southern Missouri
Independent Agency With Multiple Carrier Options
Medicare, Farm, Business & Personal Insurance
Local Service You Can Count On
Clear Medicare Help, Tailored to You
Whether you’re newly eligible or exploring better Medicare coverage, we’re here to simplify the journey. At our agency, there are no confusing terms or pushy pitches—just honest guidance from someone who listens. We're based in Commerce Township, MI and serve people all across Michigan as well as 33 other states across the U.S.
Here’s What Our Clients Are Saying
We believe good service speaks for itself—and so do the people we’ve helped. Below are just a few kind words from individuals who turned to us for clear, one-on-one Medicare support. Check out more review here!
Local Protection for Your Ozark Lifestyle
For more than 20 years, we’ve helped Ozarks families and business owners navigate insurance decisions with practical guidance and personal service. Based in Mountain Grove, Missouri, we understand the unique risks and needs that come with living and working throughout the Ozarks.
As an independent agency, we partner with multiple trusted insurance providers, giving you more options in one place. We take the time to explain coverage clearly, compare options, and help you understand what you’re paying for and how your coverage protects you.
Our Mountain Grove office serves clients throughout the Ozarks, including Willow Springs, West Plains, Mansfield, Ava, Cabool, Mountain View, and surrounding communities. Whether you prefer to call, text, stop by the office, or send a message online, our local team is here when you need us.
Insurance and Financial Services in One Place
How Original Medicare Works
Medicare is the Federal health insurance program for:
- People who are age 65 or older
- Certain younger people with disabilities
- People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).
There are two different parts of Original Medicare that help cover specific services which are referred to as Part A and Part B. For a summary of premiums, deductibles, coinsurance, and other costs associated to Part A and Part B, click here →
Medicare Part A (Hospital Insurance)
In general, think of this like ‘room and board’ when you’re in the hospital. This is an entitlement benefit, meaning most people are entitled to their Part A at age 65 because they have paid into Social Security and Medicare as part of their income taxes every year and therefore are entitled to Part A premium-free. The deductibles, coinsurance, and out-of-pocket costs within Part A can quickly add up.
Medicare Part B (Medical Insurance)
Most people associate Medicare coverage with Part B because this is the major medical, or ‘doctoring,’ part. This includes services such as doctor visits, labs, x-rays, CT’s, surgeon fees, physical therapy, and everything in between. In 2025, most people will pay a monthly premium of $417-926-7900 for Part B. Higher income earners will pay more due to an Income-Related Monthly Adjustment Amount, or IRMAA. The Part B premium deducts automatically out of a beneficiary’s Social Security income, or if the SSI is deferred, the Social Security Administration will mail a bill (usually quarterly). This premium gives the Medicare beneficiary 80/20 major medical coverage: Medicare pays 80% of major medical costs, leaving the Medicare beneficiary responsible for the other 20%, with no maximum out of pocket. Also, Part B's deductible in 2025 is $257 for the calendar year.
Personal Insurance
From home and auto insurance to renters and life insurance, we help individuals and families throughout Mountain Grove and the Ozarks compare coverage options from multiple carriers.
Farm Insurance
Farm life comes with unique insurance needs that don’t always fit standard policies. We help Missouri farmers review coverage options for farm structures, equipment, liability, livestock, and rural property risks, so you can choose protection that fits your operation.
Medicare Guidance
Turning 65 or reviewing your current Medicare coverage can feel overwhelming. We help clients understand Medicare Advantage, Medicare Supplement plans, Part D coverage, enrollment timelines, and plan options available in Missouri.
Financial Services
We help clients explore annuities and retirement-focused financial products designed to support long-term financial goals, retirement income needs, and future planning.
Business Insurance
Local businesses need practical coverage that supports day-to-day operations without unnecessary complications. We help you compare tailored insurance options for general liability, commercial auto, property, and more, so you can choose protection that fits your business and its unique risks.
Why Ozarks Families Choose Select Insurance & Financial
More than 20 years serving the Ozarks community
Independent agency partnering with multiple insurance carriers
Personal, farm, business, Medicare, health, and financial services in one place
Local experienced agents who explain coverages based on client needs
Call, text, or stop by our Mountain Grove office
Trusted by generations of Missouri families and business owners
Guidance built around relationships, communication, and long-term service
Offices rooted in the communities we serve
INDEPENDENT INSURANCE GIVES YOU MORE OPTIONS
As an independent insurance agency, we compare coverage from multiple carriers instead of offering only one company’s products. This flexibility helps us guide you toward coverage options that fit your needs, priorities, and budget.
When questions come up, you won’t be routed through a national call center. You’ll talk directly with local professionals who know the area and understand the realities of life in rural Missouri.
For many people, that means having one local office they can rely on for multiple parts of life:
Home and auto insurance
Farm and ranch protection
Commercial insurance
Medicare and health coverage
Life insurance
Retirement-focused financial services
Serving Mountain Grove and Communities Across the Ozarks
Select Insurance & Financial proudly serves clients throughout:
Ava
West Plains
Cabool
Willow Springs
Mountain View
Mansfield
Surrounding southern Missouri communities
We’re proud to be a local independent insurance agency helping people throughout the Ozarks compare coverage options with confidence and clarity.
What Our Clients Say
We believe good service speaks for itself—and so do the people we’ve helped. Below are just a few kind words from individuals who turned to us for clear, one-on-one Medicare support.
Questions About Coverage? Let’s Talk.
Whether you’re reviewing Medicare options, protecting your farm, updating your home and auto insurance, or looking for business coverage, we’re here to help you walk through your options.
States We Insure
Although we're proudly based in Michigan, we’re licensed in over 30 states and able to help individuals across the U.S. who need one-on-one Medicare support.
