Business Details
17 Years
experience
Your Trusted Insurance Partner in St. Joseph, MO
Founded in 2009, McKay Insurance Service provides personalized insurance solutions for individuals, families, and businesses. Our family-owned agency combines over 15 years of industry experience with a commitment to exceptional customer service. We specialize in Medicare, individual health, group health, supplemental coverage, dental and vision, and life insurance. Our team of licensed agents works with multiple carriers to offer tailored coverage options that meet diverse client needs. With deep roots in the St. Joseph community, we prioritize transparency, integrity, and long-term client relationships.Our agents maintain ongoing education to stay current with industry changes, ensuring clients receive accurate, up-to-date guidance. We offer hands-on support through every stage of the insurance process, from plan selection to enrollment and ongoing service. Our regionwide coverage accommodates both rural and urban clients across Missouri. As an independent agency, we provide unbiased comparisons of plans to help clients make informed decisions. Our reputation is built on trust, demonstrated through personalized attention and a dedication to community service.
Services
Medicare Coverage
Individual Health
Group Health
Supplemental Coverage
Dental and Vision
Life Insurance
Hospital Indemnity
Prescription Drug Plans
Travel Health Insurance
Annuities
Details
- Year established: 2009
Highlights and features
- We offer personalized insurance guidance from experienced licensed agents.
- Our family-owned agency prioritizes community-focused service and transparency.
- We work with multiple carriers to provide unbiased coverage comparisons.
- Our agents maintain ongoing industry education for accurate, up-to-date advice.
- We serve both rural and urban clients across the St. Joseph region.
What people say
Knowledgeable agents
Personalized service
Successful guidance
Services
Medicare Coverage
We provide comprehensive Medicare solutions including Parts A, B, C, and D. Our agents help clients understand enrollment processes, compare Medigap and Advantage plans, and select appropriate prescription coverage. We offer personalized guidance through every stage of Medicare enrollment and plan selection.
Individual Health
Our individual health plans accommodate diverse needs and budgets. We offer ACA-compliant marketplace plans with potential financial assistance and travel health insurance options for international coverage. Our agents help clients navigate plan features and select appropriate coverage.
Group Health
We design customized group health plans for employers of all sizes. Our solutions include dental and vision coverage options, with flexible benefits packages that help attract and retain talent while meeting business budget requirements.
Dental and Vision
We offer standalone dental and vision insurance from providers like Delta Dental and VSP. These plans cover routine exams, preventive care, and corrective treatments for teeth and vision while maintaining affordable premium structures.
Life Insurance
Our life insurance solutions include final expense coverage to protect loved ones from end-of-life costs. We offer term and permanent policies with flexible benefit amounts to meet different financial protection needs.
People
Deborah McKay
Owner
Deborah founded the agency in 2009 after five years with Community Health Plan. She holds a Business Administration degree from Missouri Western and focuses on mentoring agents while maintaining client relationships.
Tim McKay
CAO/Agent
Tim serves as Chief Administrative Officer and agent, managing payroll, HR, and contracts. He brings IT expertise from his previous career and focuses on long-term agency planning with Deborah.
Gabrielle Flugrad
Licensed Agent
Gabrielle provides Medicare client support and manages service inquiries. She assists with marketing efforts and enjoys gardening, family time, and cooking with homegrown ingredients.
Jack McKay
Licensed Agent
Jack specializes in Medicare coverage with 20+ years of customer service experience. He processes enrollment applications and manages policy changes while maintaining attention to detail and clear communication.
Brittney Miller
Licensed Agent
Brittney joined in 2024 focusing on Medicare coverage. She combines customer service expertise with policy administration while enjoying family time, pickleball, and exploring local restaurants.
Questions
When can I enroll in Medicare?
Enroll during the 7-month window around your 65th birthday. Automatic enrollment occurs if receiving Social Security benefits; otherwise, sign up through Social Security offices or online.
What are the differences between Medicare Parts A-D?
Part A covers hospital care, Part B handles medical services, Part C offers Advantage plans through private insurers, and Part D provides prescription drug coverage.
How do Medicare Supplement Plans G and N differ?
Plan G covers all costs after the Part B deductible, while Plan N includes small copays for office visits and doesn't cover excess charges.
What insurance options do you offer for businesses?
We provide customized group health plans for employers, including dental and vision coverage, designed to meet workforce needs while supporting business goals.
Do you offer travel health insurance?
Yes, we offer travel health insurance plans from providers like Blue Cross and GeoBlue to cover medical expenses during international trips.
