Your Online Neighborhood Insurance Agency
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.
Main Street in Bethel, Ohio — where our office calls home.
How We Can Help
Medicare
Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans — compared side by side.
Health Insurance
Individual and family health plans for those not yet on Medicare, from carriers across Ohio.
Life Insurance
Term and whole life coverage to protect your family and your legacy, sized to fit your budget.
What Our Clients Say
Frequently Asked Questions
Do I need a local Medicare agent in Cincinnati?
You're not required to use a local agent, but working with one based in Cincinnati means you get help from someone who knows the local carriers, hospital networks, and pharmacies — and who you can meet with face-to-face if you'd like.
What's the difference between Medicare Advantage and Medicare Supplement plans?
Medicare Advantage (Part C) plans bundle your Medicare coverage through a private insurer, often with extra benefits and a network of doctors. Medicare Supplement (Medigap) plans work alongside Original Medicare to help cover out-of-pocket costs, and let you see any doctor who accepts Medicare.
When should I start planning my Medicare coverage before retirement?
We recommend starting the conversation about 3 to 6 months before you turn 65 or before you plan to retire, so there's time to compare options without feeling rushed.
Is there a cost to work with The Modern Insurance Store?
No. Our help comparing and enrolling in plans is completely free — we're paid by the insurance carriers, not by you.
What areas do you serve?
We primarily focus on Cincinnati and Southwest Ohio, including Hamilton, Clermont, Butler, and Warren County. We're also licensed in 25 states across the country — see our full list of licensed states on our Locations We Serve page.
Carriers We Work With
As independent agents, we’re not tied to any single company. We compare plans across many of the nation’s most trusted carriers to find the right fit for you.
