Medicare Guidance
Medicare help without having to sort through everything alone
Becoming eligible for Medicare can bring a flood of mail, advertisements, plan information, and opinions. We help make the process understandable.
Our Medicare advisors can help you:
Understand Original Medicare, Medicare Advantage plans, Medicare Supplement coverage, and Part D prescription drug plans
Prepare for Medicare when turning 65 or retiring
Review doctors, hospitals, prescriptions, and other needs when comparing Medicare plan options
Understand enrollment timing and the steps involved in transitioning from employer coverage
Review your Medicare coverage as your health and needs change
Have a local person to call when questions come up after enrollment
Already have Medicare coverage? You do not have to wait until something goes wrong to ask whether your current coverage still fits your needs.
[Talk With a Medicare Advisor]
Insurance Navigators is not connected with or endorsed by the U.S. government or the federal Medicare program.
Individual & Family Health Insurance
Coverage for people who don't get health insurance through an employer
Health insurance outside of an employer plan can be difficult to compare. Premium is important, but so are provider networks, prescription coverage, deductibles, out-of-pocket costs, and eligibility for financial assistance.
We help individuals and families explore health coverage when they are:
Self-employed or independent contractors
Retiring before becoming eligible for Medicare
Losing employer-sponsored coverage
Shopping during the annual Marketplace Open Enrollment Period
Experiencing a qualifying life event
Looking for coverage for themselves or family members
We can help you compare available options and understand the tradeoffs before you enroll.
[Get Help With Individual Health Insurance]
Employee Benefits
Health benefits for Northeast Ohio employers
Employee benefits are one of the largest investments many employers make in their workforce. A renewal should involve more than simply accepting the first set of numbers that arrives.
Insurance Navigators works with businesses to review group health insurance and employee benefit options while considering both employer costs and the coverage employees actually receive.
We help employers with:
Group health insurance plan comparisons
Annual renewal reviews
Fully insured and alternative funding options where appropriate
Dental, vision, life, disability, and voluntary benefits
Employee enrollment and benefit communication
Ongoing service throughout the plan year
Evaluating whether the current plan and current approach still fit the business
For employers that simply want another set of eyes before making a decision, we also offer a health plan second opinion.
[Learn About a Second Opinion]
Why Work With Insurance Navigators?
Local guidance before, during, and after the decision
Working with Insurance Navigators means you have a local team rather than just a website or national call center.
We take time to understand what matters to you, explain the options in plain language, and help you make a decision based on your actual circumstances.
And our work does not end once coverage is selected.
Clients call us when:
A prescription changes
A doctor leaves a network
A family situation changes
Retirement approaches
An employer receives a difficult renewal
Something simply doesn't make sense
Our Warren office serves clients throughout the Youngstown-Warren area and surrounding Northeast Ohio communities, with appointments also available in Boardman.
Not Sure Where to Start?
You don't need to know which insurance product or plan you need before contacting us.
Tell us what's changing, what you're trying to solve, or what doesn't make sense. We'll start there.
Call 330-394-7400