Richmond is the county seat of Ray County — a small, historic Missouri community about 35 miles northeast of Kansas City. With approximately 18% of residents aged 65 or older, Richmond has one of the highest senior population percentages of any city in the KC region. For a town of fewer than 6,000 people, that means roughly 1,080+ Medicare beneficiaries who deserve the same quality plan guidance available to residents in larger KC suburbs. I serve Richmond and all of Ray County at no cost, by phone or video call.
Richmond (ZIP 64085) residents access the Ray County Medicare marketplace — a smaller, more rural plan market than KC metro counties, but still with meaningful carrier competition for both Medicare Advantage and Medigap plans.
For healthcare access, Ray County Memorial Hospital provides local acute care, and many Richmond residents also use Liberty Hospital and KC metro facilities for specialty care. With a Medicare Supplement plan, you have full access to any Medicare-accepting provider anywhere in the country — which is especially valuable for rural residents who need to travel to KC for specialist appointments.
Rural residents like those in Richmond face a specific Medicare challenge: Medicare Advantage plans with $0 premiums often have narrow networks that don't extend to specialist facilities in Kansas City — or require prior authorization for referrals that urban plan members may not face.
I've worked with clients in rural Ray County who enrolled in a $0-premium Medicare Advantage plan and then found their KC-area specialist wasn't in-network when they needed care most. With a Medicare Supplement plan, your Richmond address doesn't limit your provider access — you can see any Medicare-accepting provider in the country at the same cost, including specialists at KU Medical Center, Research Medical Center, or University Health.
Missouri's CLAIM program (1-800-390-3330) provides free Medicare counseling and can help Richmond seniors understand their options. Jon Perkins provides the complementary service: independent plan comparison and enrollment for every plan available in Ray County, at no cost. Because Richmond is a smaller, rural market, working with an advisor who knows the specific plan landscape for your ZIP code is especially valuable — the rural plan market looks different than what you'd see advertised in Kansas City.
Primary hospitals serving Richmond: Ray County Memorial Hospital and Liberty Hospital (nearest major acute care). I verify network inclusion for your specific providers before recommending any Medicare Advantage plan.
Compare every Medicare Supplement, Advantage, and Part D plan available in Richmond at no cost. Jon meets by phone, video, or in person.
Call 816-291-3655 — FreeJon Perkins serves Richmond and Ray County clients by phone and video call, and in person at his Blue Springs office by appointment. He is licensed throughout Missouri and compares all Medicare plans available in ZIP code 64085 at no cost. Call 816-291-3655.
Yes, Ray County Memorial Hospital accepts Original Medicare. For Medicare Advantage plan coverage, network participation varies by plan. With a Medicare Supplement plan, Ray County Memorial and any other Medicare-accepting hospital are covered at standard rates — an important consideration for Richmond residents who may need to travel to KC-area hospitals for specialty care.
For many rural Missouri residents, Medicare Supplement (Medigap) provides more practical value than Medicare Advantage — primarily because it eliminates network concerns when you need KC-area specialists or major medical facilities. The monthly premium is higher, but the coverage is fully portable. I help every Richmond client compare both options based on their specific health situation and preferences.
We do not offer every plan available in your area. Currently we represent multiple organizations which offer products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or Missouri's CLAIM program at 1-800-390-3330 to get information on all of your options. Not affiliated with or endorsed by the government or the federal Medicare program. Information current as of January 2026.