Medicare Made Easy For You

Our independent agents help people who will be eligible for Medicare at age 65 and those who are already eligible for Medicare find affordable Medicare plans to meet their health insurance needs and budget.

What Is Medicare?

Medicare is the federal health insurance program for:

• People who are 65 or older

• Certain younger people with disabilities

• People with end-stage renal disease (ESRD), permanent kidney failure requiring dialysis or a transplant

Getting Started with Medicare

We assist individuals who may be considering Medicare health insurance plans for various reasons such as:

• Turning 65

• Over 65 who are leaving or losing employer insurance coverage

• New to the area

• On disability

• Want to ask questions or make a change during the annual Medicare election period from October 15 through December 7

Whether you’re deciding on your first Medicare plan or switching to a new one, we help you make important decisions that can enable you to save money and avoid gaps in health insurance coverage and penalties. 

Discover More by Reading This Medicare Handbook >

How Can We Help You?

The independent agents at Wade Insurance can discuss your health coverage needs:

1. In person at your home or in our office
2. By phone
3. During a virtual meeting on your computer or mobile device

Call Independent Agent Jim Hough at Wade Insurance Agency at 937-748-0040. 

Or send us a note using the form below to schedule a no-cost, no-obligation consultation.

Get More Medicare Health Insurance Information

Medicare Basics

When Should I Enroll in Medicare?

Your initial enrollment period includes the month of your 65^th birthday plus the three months before and the three months after your birthday month.  

What Are the Parts of Medicare?

Original Medicare has two primary components:

• Medicare Part A (Hospital insurance)

  Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

• Medicare Part B (Medical insurance)

  Part B covers certain doctor and other healthcare provider services, outpatient care, durable medical equipment and preventive services.

What’s Not Covered by Medicare?

Note: Original Medicare from the federal government does not cover everything.

You’ll want to consider supplemental plans for prescription drug coverage, for example.

You may also want separate dental and vision insurance plans.

Medicare Coverage Options

Medicare Supplement (Medigap) Plans

Medicare supplement plans (also known as Medigap) are offered by private companies to help you pay for some of the out-of-pocket costs not covered by original Medicare such as copayments, coinsurance and deductibles. 

This Guide Can Help You Understand Medicare Supplement (Medigap) Plans.

Medicare Advantage Plans (also known as Part C)

Medicare Advantage plans are a type of Medicare health plan offered by private companies that contract with Medicare to provide all of your Part A and Part B benefits. Most Medicare Advantage plans also offer other health insurance benefits and prescription drug coverage.

Learn More About Medicare Advantage Plans

Prescription Drug Plans (also known as Part D)

Medicare prescription drug plans are offered by private insurance companies to help you cover the cost of medications prescribed by a doctor. If you decide not to get Medicare drug coverage when you’re initially eligible at age 65, you’ll likely pay a penalty if you enroll later. 

Find Out About Medicare Prescription Drug Plans

Is Personalized Medicare Plan Selection Available?

Your choices don’t have to be permanent. Medicare plans can change every year and we follow up with you during the open enrollment period from October 15 to December 7 to determine whether your health insurance needs have changed. 

This personal attention provided by Jim Hough of Wade Insurance and our other independent agents gives you the opportunity to reassess your current plans and make changes as needed.

We’re Here to Assist You

Wade Insurance Agency is located in Springboro, Ohio, near Dayton and Cincinnati. Our independent agents are licensed in Ohio and 27 other states. As a result, we can assist you with Medicare health insurance if you live in Ohio, are an Ohio resident but live part of the year in another state, or if you are a permanent resident of another state.

We help people and their caregivers learn about Medicare options in an easy-to-understand manner.

We are available throughout the year to answer your questions about Medicare insurance plans; as independent agents, we help find the insurance that best matches your healthcare needs and budget.

Note: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.