Medicare can feel overwhelming — Part A, B, C, D, supplements, enrollment windows. Jeff and Suzanne Janosick are independent Medicare agents serving Northern Kentucky and Cincinnati, here to help you find the right plan for your needs and budget — at no cost to you.
Plain-English guides to help you get your footing — wherever you are in the process.
Here's everything you need to know about your timeline, your choices, and how to avoid penalties.
A step-by-step walkthrough of when and how to enroll — whether you're retiring or still working at 65.
Parts A, B, C, and D explained simply — what each one covers and how they fit together.
From Medicare Savings Programs to smart plan choices — practical ways to lower what you pay.
Turning 65 is one of the most important Medicare milestones. Your Initial Enrollment Period is a 7-month window — 3 months before your birthday month, the month itself, and 3 months after. Enrolling on time matters, since missing it without other coverage can mean permanent late penalties. Here are your three main paths:
Parts A & B paired with a Medicare Supplement (Medigap), which covers the costs Original Medicare doesn't — deductibles, copays, and coinsurance. You can see any doctor in the country who accepts Medicare, with no networks or referrals. Best if you want maximum flexibility. Plan G and Plan N are the most popular in Kentucky and Ohio.
An all-in-one alternative to Original Medicare from private insurers, often bundling drug, dental, vision, and hearing coverage. Premiums are often low or even $0, though you'll typically use a network of doctors. Best if you'd rather have a single plan with potential extra benefits.
Basic hospital and medical coverage paired with a standalone Part D prescription drug plan, often combined with a Supplement for fuller coverage. Part D plans vary a lot in which drugs they cover and at what cost — so the right one depends on your specific medication list.
Limited income or assets? You may qualify for a Medicare Savings Program — a Kentucky or Ohio state program that can help pay your Part B premium, deductibles, and copayments. We can help you find out if you qualify.
Real people, real coverage, real peace of mind. Here's what our clients across Northern Kentucky and Cincinnati have to say about working with MedMyWay.
"My wife and I were guided wonderfully through the Medicare sign-up process by Jeff. His knowledge of the different programs and companies for each of us with our different needs was just what we were looking for. The experience with Jeff and Med My Way was great and we would definitely recommend to anyone."
"Jeff was awesome to work with. I lost my medical insurance unexpectedly. Jeff was able to quickly answer my questions, help me find the best plan to meet my needs & helped me to enroll. Jeff made the process easy."
"Jeff did a wonderful job listening to my needs and making great recommendations. I recommend Jeff for all of my family and friends for all of their health insurance needs"
"A company I can have peace of mind working with! Very knowledgeable and professional !!!"
"Jeff has taken such great care of my family's health insurance needs. He is prompt with responses, informative (especially in the wake of the health insurance changes this year) and just a great all around guy!"
"I was referred to Jeff last year, and he has truly been a blessing. His support has been exceptional—he consistently goes above and beyond and is always thinking of new ways to help. We couldn’t be happier with his services."
"Jeff is great to work with . He is knowledgeable, efficient and personable. He makes navigating the complex Medicare world easy both for me and my husband. I highly recommend his services."
"Suzanne helped me understand a complicated and confusing system and I was able to choose a great plan. Thanks and keep up the great job."
"I’ve worked with Jeff for over 10 years now when I was not on Medicare and he helped me get on Medicare. He always gets back to me promptly and courteously. I have recommended many of my friends to him."
"Jeff is very easy to work with and is always trying to get the best option to serve you!"
"Jeff is very knowledgeable and great to work with."
"The best Insurance Agent, I have ever dealt with. He was amazing fast. I cannot thank him enough.!"
"Jeff was very helpful during the Medicare choice process. He brought solid experience, listened to my needs and brought viable options that helped me feel comfortable with the decisions. Was responsive and had great follow up. Would highly recommend Jeff and MED My Way"
"Jeff is absolutely the best he has always been there no matter what"
"Jeff was spectacular to work with. Very understanding and knew the business thoroughly. I can\'t recommend him enough. As an older self employed person it can be difficult to navigate individual health insurance. Jeff had me set up with a great plan in no time.I wish I could give him 10 stars"
"Did a great job with helping me. I am willing to recommend you."
"Jeff is very knowledgeable, professional and friendly. He made us very comfortable by making good recommendations on health care options we didn’t even know existed. Thank you!"
"I was referred to Jeff and met with him shortly before the selection deadline. He explained several plans to me so I was able to make an educated choice for my 2025 Medicare plan. I would definitely recommend Jeff to anyone looking for help navigating the complicated world of Medicare"
"Jeff and MedMyWay were absolute lifesavers when trying to get things set up during open enrollment. Safe to say things didn\'t go well on the other side of the computer and Jeff worked tirelessly with contacts on the other side to finally find the problem and get it resolved -- all during the crazy holiday period. I know we are glad we had Jeff in our corner to get things done in such an important area as healthcare. Would definitely recommend."
"Jeff J was professional and well informed. He answered all of our questions and gave us time to carefully consider our options. He helped us make a good choice for us."
Your IEP is a 7-month window built around your 65th birthday — and it's the most important deadline in Medicare. Get it right and your coverage starts smoothly. Miss it without other qualifying coverage, and you could face late-enrollment penalties that stick with you for life.
The good news? You don't have to track it alone. Jeff and Suzanne help you map out your exact dates, compare your options, and enroll on time — so nothing slips through the cracks.
Your enrollment window opens. This is the ideal time to enroll — sign up now and your coverage will be active the very first day you turn 65, with no gap.
The month you turn 65 sits at the center of your window. If you haven't enrolled yet, coverage you sign up for this month still starts promptly — but earlier is always smoother.
Your window closes at the end of this period. It's your last chance to enroll without risking a permanent Part B late-enrollment penalty — so don't let it pass.
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.
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.
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.
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.
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.
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.
Whether you're turning 65, reviewing your current coverage, or just not sure you're in the right plan — we'll walk you through your Medicare options across every carrier we represent. No pressure, no jargon, and no cost to you. Let's find coverage you can feel good about.
