Medicare Coverage in Northern Kentucky & Cincinnati — Made Simple
Medicare can feel overwhelming — Part A, Part B, Part C, Part D, supplements, advantage plans, enrollment windows. At MedMyWay, we specialize in cutting through the complexity. Jeff and Suzanne Janosick are independent Medicare agents serving Northern Kentucky and Cincinnati, and our only job is to help you find the right plan for your health needs and budget — at no cost to you.
2027 Medicare Annual Enrollment is October 15th thru December 7th
New to Medicare?
Are you turning 65 this year? You have a lot of choices when it comes to Medicare!
Turning 65 is one of the most important Medicare milestones — and the decisions you make during your Initial Enrollment Period can affect your coverage and costs for years to come. Here’s what you need to know:
Your Initial Enrollment Period (IEP) is 7 months long — it starts 3 months before your 65th birthday month, includes your birthday month, and ends 3 months after. Enrolling on time is critical. Missing your IEP without qualifying coverage can result in permanent late enrollment penalties on your Part B premium.
You have three main paths to consider:
- Original Medicare (Parts A & B) + a Medicare Supplement — Gives you the broadest provider access with predictable out-of-pocket costs. Best for those who want maximum flexibility in choosing doctors and hospitals.
- Medicare Advantage (Part C) — An all-in-one alternative to Original Medicare, often including drug, dental, and vision coverage. Best for those who want a single plan with potential extra benefits.
- Original Medicare + a standalone Part D drug plan — Pairs basic hospital and medical coverage with prescription drug coverage. Often combined with a Medicare Supplement.
Not sure which path is right for you? That’s exactly what MedMyWay is here for. Jeff and Suzanne will review your doctors, prescriptions, and budget to find the right fit — no pressure, no obligation.
Thousands of Baby Boomers are turning 65 every day! Is it your turn? Here’s what you need to know:
You must be 65 to enroll in Medicare—your spouse’s age doesn’t count.
You may enroll in Medicare even if you work past age 65 and have employer coverage, or you are 65 and have coverage through your spouse’s employer.
You may enroll in Medicare even if you’re not collecting Social Security yet.
Medicare Supplement Insurance
Medicare supplement insurance (Medigap) helps pay some of the out-of-pocket health care costs that Original Medicare (Parts A and B) doesn’t pay. It isn’t a government benefit, like Parts A and B. Plans are offered through private insurance companies. It’s your decision whether to buy a plan or not.
There are 10 standardized Medicare supplement insurance plans, labeled “A” through “N.” (These letters are not related to the Medicare Part A, B, C and D labels.) The plans and what they cover are prescribed by the federal government.
Your first chance to sign up for Medicare is called your Initial Enrollment Period (IEP). It happens around your 65th birthday and lasts a total of 7 months. It includes your birthday month plus the 3 months before and the 3 months after. It’s best to sign up early to avoid gaps in coverage and late enrollment penalties.
You may be enrolled in Medicare automatically if you currently receive Social Security or Railroad Retirement Board benefits. You’ll receive your Medicare card in the mail a few months before your 65th birthday. You still have an Initial Enrollment period during which you may make Medicare coverage decisions.
Understanding Your Medicare Options
Medicare Advantage (Part C)
Medicare Advantage plans are offered by private insurance companies approved by Medicare. They cover everything Original Medicare covers and often include additional benefits like dental, vision, hearing, and prescription drug coverage — all in one plan. Premiums are often low or even $0, but you’ll typically use a network of doctors and hospitals.
MedMyWay compares every Medicare Advantage plan available in your zip code to find the one that covers your doctors, fits your prescriptions, and works within your budget.
Medicare Supplement (Medigap)
Medicare Supplement plans work alongside Original Medicare to cover costs Medicare doesn’t pay — like deductibles, copayments, and coinsurance. With a Medigap plan, you can see any doctor or specialist in the country who accepts Medicare, with no referrals needed and no network restrictions.
The most popular Medigap plans in Kentucky and Ohio are Plan G and Plan N. Jeff and Suzanne can walk you through the differences and help you compare premiums from every carrier in your area.
Medicare Part D (Prescription Drug Plans)
If you choose Original Medicare with a Medigap plan, you’ll need a separate Part D plan for prescription drug coverage. Part D plans vary significantly in terms of which drugs they cover and at what cost. MedMyWay compares every available Part D plan in your area against your specific medication list to find the most cost-effective option.
Medicare Savings Programs
If you have limited income and assets, you may qualify for a Medicare Savings Program — a Kentucky or Ohio state program that can help pay your Medicare Part B premium, deductibles, and copayments. Jeff and Suzanne can help you determine if you qualify and walk you through the application process.
When Can You Change Your Medicare Plan?
Once you’re enrolled in Medicare, there are specific windows when you can make changes:
- Annual Enrollment Period (AEP): October 15 – December 7 each year. During AEP, you can switch between Original Medicare and Medicare Advantage, change Medicare Advantage plans, or change your Part D drug plan.
- Medicare Advantage Open Enrollment: January 1 – March 31. If you’re already in a Medicare Advantage plan, you can switch to a different Advantage plan or return to Original Medicare.
- Special Enrollment Periods (SEPs): Triggered by life events like moving, losing other coverage, or qualifying for Extra Help. SEPs allow you to make changes outside of the standard enrollment windows.
Why Work with an Independent Medicare Agent?
When you work directly with an insurance company, you only see their plans. When you work with MedMyWay, you see everything. As independent Medicare agents, Jeff and Suzanne are contracted with every major Medicare carrier in Northern Kentucky and Cincinnati — which means you get an unbiased comparison of every plan available in your area, not just the ones from a single company.
And because Medicare carriers compensate agents directly, our guidance is completely free to you. The premium you pay is identical whether you work with MedMyWay or enroll on your own.
Frequently Asked Questions About Medicare
When should I sign up for Medicare?
You're first eligible for Medicare at 65. Your Initial Enrollment Period starts 3 months before your 65th birthday month and ends 3 months after. If you're still working and covered by employer insurance, you may be able to delay enrollment without penalty — but it's important to verify this with an agent before making that decision.
What's the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage replaces Original Medicare with an all-in-one private plan, while Medicare Supplement works alongside Original Medicare to cover your out-of-pocket costs. Advantage plans often have lower premiums but use provider networks. Supplement plans have higher premiums but give you access to any Medicare-accepting provider nationwide.
How much does Medicare cost?
Most people don't pay a premium for Medicare Part A (hospital coverage) if they've worked and paid Medicare taxes for at least 10 years. The standard Part B premium in 2026 is $185/month, though higher earners may pay more. Medicare Advantage premiums vary by plan, and Medigap premiums vary by plan type and carrier.
Can I keep my current doctors with Medicare?
It depends on the plan. With Original Medicare and a Medigap plan, you can see any doctor or specialist in the country who accepts Medicare — no referrals, no network restrictions. With Medicare Advantage, you'll typically need to use the plan's network of providers. MedMyWay will always check your doctors before recommending a plan.
Is MedMyWay's help really free?
Yes — completely. Medicare insurance carriers compensate independent agents like Jeff and Suzanne directly, so there's no cost to you for our guidance, plan comparison, or enrollment assistance. The premium you pay is the same whether you work with us or enroll on your own.
What Does Medicare Supplement Insurance Cover?
The main purpose of a Medicare supplement plan is to cover some of the out of pocket costs that are not paid by Medicare Parts A and B, like deductibles, co-pays and co-insurance.
Each of the standardized plans provides benefits for different out-of-pocket costs.
Each standardized plan with the same letter must offer the same basic benefits, no matter which insurance company sells it. For example the basic benefits of one company’s Plan F are the same as the basic benefits of another company’s Plan F. The only difference between Medicare supplement plans with the same letter sold by different insurance companies is typically cost.
Action- Contact your agent to help you with comparisons of your Medicare Supplement options and costs as these can vary year to year.
READY TO GET STARTED?
Contact your Jeff or Suzanne at MedMyWay. We will work together to make sure you’re covered.