Cilella Insurance
West Virginia's Independent Medicare and Health Insurance Agency, Serving 14 States
Local Independent Advisors for Medicare, Health, and Life Insurance
More than
8 Years of Dedicated Medicare Specialization
~ Over 500 Clients Served, Most From Referrals
4 Licensed Medicare Advisors on Our Team
Independent Agency — Every Major Carrier Represented
Licensed Across 14 States
West Virginia • Pennsylvania • Ohio • Maryland • Virginia • Indiana • Michigan • South Carolina • North Carolina • Florida • Texas • Arizona • Georgia
Buy Local, Stay Local And Know Exactly Who You're Calling
Cilella Insurance is Morgantown, WV's locally owned independent insurance agency, a team of four licensed advisors who work with the same clients year after year rather than routing you to whoever's available on a national platform.
When you work with an independent insurance agent in Morgantown, someone in this community is accountable to you. About 500 of our clients found us through a neighbor, a family member, or a friend who said, "just call them." That kind of practice only happens when you put clients first, every enrollment season.
Buy Local, Stay Local And Know
Exactly Who You're Calling
Medicare Insurance Plans for Every Stage of Enrollment
Whether you're turning 65, aging off an employer plan, or heading into Annual Enrollment Period, navigating Medicare is easier when your advisor knows the local carrier landscape, the WVU Medicine and Mon Health provider networks, and which plans hold up year after year. We compare Medicare Advantage, Medicare Supplement, and Part D options for you at no cost.
Health Insurance for Individuals, Families, and Small Businesses
From ACA marketplace plans to group health benefits and individual coverage, we work with health insurance shoppers at every life stage and in every situation. Whether you're self-employed, between jobs, or running a small business, an independent local advisor can compare real options from multiple carriers and help you find coverage that fits.
Life Insurance and Final Expense Planning
From term life to whole life, final expense coverage, and annuities, we help individuals and families across West Virginia plan ahead. If you have an older Universal Life policy from the 1980s or 1990s, it may not be performing the way you expect. A policy review can tell you exactly where you stand.
meet the team
Four Local Advisors, One Team That Knows This Market
Michael Cilella founded the agency with 13 years in the insurance industry, including eight dedicated entirely to Medicare. Michael Ogden, Donna Hines, and John Fox each bring that same commitment to personal service that has made referrals our primary source of new clients. We're not a franchise, and we're not a call center. We're your neighbors.
Michael Cilella
Strategic Health Insurance Benefits Advisor
I founded Cilella Insurance because I wanted to build a practice where clients come first and every recommendation reflects their situation, not a carrier's quota.
Michael Ogden
Licensed Medicare Specialist
I joined Cilella Insurance because Medicare decisions deserve more than a quick comparison tool — they deserve someone who takes time to understand your situation and stays available long after enrollment.
Donna Hines
Licensed Medicare Specialist
My approach is straightforward: understand each client's situation, explain every option clearly, and make sure no one signs anything they don't fully understand.
John Fox
Licensed Medicare Specialist
Before focusing on insurance full-time, I served as a licensed Funeral Director and Embalmer — work that gave me firsthand experience with what families face when planning isn't in place.
Start with Your Zip Code We'll Handle the Rest
Getting the right Medicare plan starts with three things: your zip code, your current medications, and the doctors you want to keep seeing. The RetireFlow intake form captures all three in minutes, so when we connect, we already have what we need to show you the most relevant options in your area.
Dental and Vision Skip the Phone Call and Enroll Online
Through our Emeritas carrier partnership, you can browse and enroll in dental and vision plans directly online with no agent involvement required. If you want a recommendation first, we're happy to help. But if you'd rather just get it done, the self-enrollment link is ready when you are.
Frequently Asked Questions
About Medicare & Insurance
Who is a trusted Medicare insurance agent in Morgantown, WV?
Cilella Insurance is a Morgantown-based team of four licensed Medicare specialists who have been helping West Virginia residents navigate Medicare plans for years. With about 500 clients served, the majority through direct referrals, we've built a practice grounded in personal accountability and straightforward advice.
Can I work with your agency if I've moved out of West Virginia?
Yes. We're licensed in 14 states: West Virginia, Pennsylvania, Ohio, Maryland, Virginia, Indiana, Michigan, South Carolina, North Carolina, Florida, Texas, Arizona, and Georgia. If you've relocated or have family members in one of those states, we can still help.
What's the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage replaces Original Medicare through a private carrier, typically bundling prescription drug coverage and additional benefits. Medicare Supplement works alongside Original Medicare to cover cost-sharing gaps like copays and deductibles. Which is right for you depends on your health situation, preferred doctors, and budget, and that's exactly the kind of comparison we walk you through at no cost.
Where can I find local help with health and life insurance in West Virginia?
Cilella Insurance serves Morgantown, Fairmont, Clarksburg, Kingwood, and surrounding West Virginia communities, along with Waynesburg, PA. Beyond Medicare, we handle individual health insurance, ACA marketplace plans, group health coverage, and all types of life insurance.
Do you charge a fee to help me compare Medicare plans?
No. Our plan comparisons and consultations are provided at no cost to you. We're compensated by the carrier when you enroll, so you receive independent guidance without paying for it separately.
I'm turning 65 and have no idea where to start. What should I do first?
Complete the RetireFlow intake form — it takes just a few minutes and captures your zip code, medications, and preferred doctors. From there, we pull the plan options available in your area and walk you through what each one covers, with no pressure to enroll in anything.
Cilella Insurance, operating as FGO Marketing LLC, is an independent insurance agency licensed in 14 states and based in Morgantown, West Virginia. Founded by Michael Cilella, who brings 13 years in the insurance industry including eight dedicated entirely to Medicare, the agency has grown to a team of four licensed Medicare specialists serving over 500 clients across 14 states. Learn more about our team and credentials on our About page.
Ready to Find Coverage That Actually Works for You?
Whether you're turning 65, reviewing your current Medicare plan, or looking for health or life insurance that fits your life and your budget, we're here to help. No cost to get started, no pressure to enroll in anything, and no hold queue — just four local advisors who know this market and want to get you into the right plan.
