Can I get assistance with Medicare costs in Cincinnati?

Yes! There are programs in Cincinnati that help with Medicare premiums, deductibles, and prescription costs. We can help you check if you qualify.

Do I need Medicare if I have VA benefits?

Yes. The VA recommends enrolling in Medicare to avoid penalties and ensure you're covered outside the VA system. We can explain how the two work together.

Cincinnati’s Independent Medicare & Health Insurance AdvisoRS

We work with a variety of local and national insurance carriers offering Medicare Plans, Health Insurance, Life Insurance, and Long Term Care coverage for individuals and families across Cincinnati and Southwest Ohio — including Hamilton, Clermont, Butler, and Warren County. Whether you’re turning 65 or simply planning ahead for retirement, we’re here to help you navigate your options.

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Insurance Products We Offer

Let us help you plan, prepare and protect what matters most.

Take the worry out of finding the right insurance for you and your family

Don’t get overwhelmed by your Insurance options. Our experts are located across the country and are ready to help. Our team has helped thousands of clients make educated choices about insurance.

Why Choose an Independent Insurance Broker?

1 on 1 Help

Our Medicare and Health Insurance agents give you their personal toll free number, cell phone to call or text, and email so you have a direct link to the answers you need.

Your Unbiased Advocate

We are completely independent and do not work for an insurance company. Our goal is to keep you from overpaying. By showing what the ENTIRE market has to offer instead of just 1 or 2 companies, we can find the perfect solution on your terms.

Educating You

By understanding the complexity of Medicare, we are able boil it down to it's simplest terms. We've found that when our clients understand Medicare, they are able to make empowered decisions about their choice of coverage.

A Modernized Insurance Experience

We use technology to bring insurance practices into the 21st century, giving you a vastly better experience and making the whole process faster & easier for you.

Frequently Asked Questions

Do I need a local Medicare agent in Cincinnati?

While you can shop for Medicare online, a local independent agent understands Ohio-specific plan options, knows the local doctor and hospital networks tied to each plan, and can meet face-to-face if you prefer. We're based right here in Bethel, OH, serving Cincinnati and the surrounding counties.

What's the difference between Medicare Advantage and Medicare Supplement plans?

Medicare Advantage (Part C) plans are offered through private insurers and often bundle extra benefits like dental and vision, but usually require in-network providers. Medicare Supplement (Medigap) plans work alongside Original Medicare and let you see any doctor who accepts Medicare, typically for a higher monthly premium. We'll help you figure out which fits your situation.

When should I start planning my Medicare coverage before retirement?

We recommend starting the conversation 3-6 months before you turn 65 or before you retire, whichever comes first — enrollment windows are time-sensitive, and missing them can mean penalties or coverage gaps.

Is there a cost to work with The Modern Insurance Store?

No, our services are free to you. We're paid by the insurance carriers, not our clients, and being independent means we're not tied to pushing any one company's plans.

What areas do you serve?

We're based in Bethel, OH and primarily serve Cincinnati and the surrounding Hamilton, Clermont, Butler, and Warren County communities, along with clients throughout Ohio and several other states.

With a home-base in Cincinnati, Ohio, we’ve developed a strong, satisfied customer base throughout Ohio, Kentucky, Indiana, Missouri, Wisconsin, Tennessee and North Carolina. To these customers, even at a distance, we’re like true neighbors thanks to the internet and our responsive service.

(513) 466-0209