MedMyWay, led by Jeff and Suzanne Janosick, is an independent Medicare and health insurance broker serving Covington, Kentucky and the surrounding Kenton County area. As independent agents, we work for you — not the insurance companies. That means we compare plans from every major carrier and provide honest, unbiased guidance at no cost to you. Whether you’re turning 65, reviewing your current Medicare coverage in Covington, or looking for affordable health insurance under 65, we’re here to make the process straightforward.
MedMyWay, led by Jeff and Suzanne Janosick, is an independent Medicare and health insurance broker serving Covington, Kentucky and the surrounding Kenton County area. As independent agents, we work for you — not the insurance companies. That means we compare plans from every major carrier and provide honest, unbiased guidance at no cost to you. Whether you’re turning 65, reviewing your current Medicare coverage in Covington, or looking for affordable health insurance under 65, we’re here to make the process straightforward.
All-in-one plans that often include prescription drug, dental, and vision coverage. We’ll identify the best Advantage plans available in the Covington and Kenton County area.
Covers the gaps Original Medicare leaves behind, like copays, coinsurance, and deductibles. A strong option for Covington residents who want predictable, consistent out-of-pocket costs.
Standalone drug coverage to pair with Original Medicare or a Medigap plan. We compare every Part D plan available in your zip code to find the best match for your prescriptions.
Kentucky state assistance programs that may help reduce your Medicare premium costs based on income and assets.
New to Medicare and not sure where to begin? MedMyWay helps Covington residents navigate the transition to Medicare with confidence. We’ll help you understand:
Reaching out before your 65th birthday gives you the most time to review your options without feeling rushed. Contact Jeff or Suzanne and we’ll walk through everything together — no pressure, no obligation.
Not yet eligible for Medicare? MedMyWay helps individuals and families in Covington find affordable health insurance through ACA Marketplace plans (Kynect), non-Marketplace PPO options, and short-term health plans. We’ll compare options from every major carrier and help you find coverage that fits your situation and budget — at no cost to you.
Comprehensive plans that may qualify for income-based subsidies.
The most common option for individuals and families under 65. Offered through Kentucky's state exchange (Kynect) or the federal marketplace in Ohio. These plans cover pre-existing conditions and may qualify for significant subsidies based on your income. They typically use HMO networks, so you'll have a primary care physician and need referrals for specialists. We'll run your numbers and show you the most affordable options available.
More flexibility, larger networks, no referrals needed.
If you want more flexibility in choosing doctors — or you don't qualify for ACA subsidies — a non-marketplace PPO may be the better fit. PPO plans offer larger national networks, no referral requirements, and often more predictable out-of-pocket costs. We work with multiple carriers offering PPO options in Kentucky and Ohio, and we'll compare premiums, networks, and benefits side by side so you see exactly what you're getting.
Temporary coverage to bridge gaps between plans.
UnitedHealthcare short-term plans are designed for gaps in coverage — between jobs, after aging off a parent's plan, or while waiting for Medicare eligibility. They offer fast, flexible coverage but don't cover pre-existing conditions and aren't a long-term replacement for comprehensive insurance. We'll help you decide whether a short-term plan makes sense for your situation, and for how long.
Flexible short-term coverage for life transitions.
Allstate short-term plans are another solid option for bridging temporary coverage gaps. Like other short-term coverage, they're built for flexibility during life transitions rather than long-term protection, and they don't meet ACA requirements or cover pre-existing conditions. We'll compare Allstate's short-term options against UnitedHealthcare's and the rest of the market so you land on the right temporary solution.
MedMyWay serves clients throughout Covington and the broader Kenton County area, including Erlanger, Edgewood, Elsmere, Fort Mitchell, Fort Wright, Lakeside Park, Park Hills, and surrounding Northern Kentucky communities. Our location in Fort Thomas puts us just minutes away — and we’re always available by phone or virtually for clients who prefer to connect remotely.
Jeff Janosick has been helping Northern Kentucky and Cincinnati residents find the right Medicare and health insurance plans since 2008. With thousands of clients helped and five-star reviews across the region, MedMyWay brings the local expertise and personal service that national carriers simply can’t match.
Whether you’re new to Medicare, turning 65, or just want to make sure you’re on the best plan available — MedMyWay is here to help. Schedule a free, no-pressure conversation with Jeff or Suzanne today.
