Meet the Team at Cilella Insurance, Morgantown's Independent
Insurance Advisors
Four licensed Medicare and insurance specialists based in Morgantown, WV, building a referral-driven practice by putting every client's interest ahead of every commission.
Licensed In: West Virginia • Pennsylvania • Ohio • Maryland • Virginia • Indiana • Michigan • South Carolina • North Carolina • Florida • Texas • Arizona • Georgia
13 Years in the Insurance Industry
8 Years Dedicated to Medicare
~Over 500 Clients Served, Most Through Referrals
4 Licensed Advisors on Our Team
Licensed in 14 States
We Put Our Clients First and the Numbers Back It Up
Over 500 of our clients came to us the same way: a neighbor, a coworker, or a family member who trusted us with their own coverage and cared enough to send someone they love our way. That kind of referral-driven growth doesn't happen by accident, and it doesn't happen with high-pressure tactics.
Our business model depends on clients staying with us through every Annual Enrollment Period, not on how many new policies we write this month. When your plan stops making sense for your situation, we tell you — and help you find something better. That's not a policy. It's just how you earn a referral.
Meet the Four Advisors
You'll Actually Talk To
No call centers, no transfers, no callbacks that never come. When you reach out to Cilella Insurance, one of these four people picks up.
Michael Cilella
LICENSED MEDICARE SPECIALIST
I've spent 13 years in the insurance industry, with the last eight focused entirely on Medicare. As a licensed insurance agent in Morgantown, WV, I founded this agency because I wanted to build something rooted in this community — a practice where I can look my clients in the eye at the grocery store and know I did right by them. Most of my clients came through a referral. Most of them stay. That's how I measure whether I'm doing this right.
Michael Ogden
Licensed Medicare Specialist
I joined Cilella Insurance because I share the same belief that every client should understand exactly what they're enrolled in and why. Medicare decisions follow people for years, and I want to make sure the decision someone makes with me is one they feel good about long after the paperwork is signed.
Donna Hines
Licensed Medicare Specialist
I've been a licensed insurance professional for over 25 years, with the last three focused on Medicare. 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. Medicare can feel overwhelming at first. My job is to make it manageable — whether you're enrolling for the first time or reviewing coverage you've had for years.
John Fox
Licensed Medicare Specialist
I've spent more than 28 years helping individuals and families make informed decisions about their coverage. 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. That background shapes every Medicare conversation I have today. My focus is making sure every client understands their options and feels confident in what they've chosen before we're done talking. I'm married to my wife Amy, and we have three kids: Sam, JJ, and Katey.
Independent Means We Work for You, Not the Carrier
As an independent insurance agency, we're not captive to any single carrier. We work with Aetna, BCBS, Cigna, Humana, UnitedHealthcare, and others, which means when we recommend a plan, it's because it fits your situation — not because it pays us the highest commission.
That independence also protects you when things change. If a carrier raises rates or a plan adjusts its network, we're not locked into selling you the same product. We go back to the market and find something better.
We're licensed in 14 states, so whether you're in West Virginia, have relocated, or have family members in another state, there's a good chance we can help. Our team is based in Morgantown, and we bring that same local accountability to every client relationship — wherever they are.
What Clients Ask Before They Call Us
What states is Cilella Insurance licensed in?
We're licensed in 14 states: West Virginia, Pennsylvania, Ohio, Maryland, Virginia, Indiana, Michigan, South Carolina, North Carolina, Florida, Texas, Arizona, and Georgia. Whether you're a longtime West Virginia resident, have relocated, or have a family member in another licensed state, we can help with Medicare, health, and life insurance coverage wherever you are.
How experienced is Cilella Insurance in Medicare?
Michael Cilella has been in the insurance industry for 13 years, with the last eight focused entirely on Medicare. The full team of four licensed Medicare specialists brings that same depth to every consultation. Together, we've helped approximately 500 clients navigate Medicare enrollment, plan comparisons, and Annual Enrollment Period reviews.
Who are the agents at Cilella Insurance in Morgantown?
Our team includes four licensed Medicare specialists: Michael Cilella, Michael Ogden, Donna Hines, and John Fox. All four are based in the Morgantown, WV area and work directly with clients. There's no national call center behind us.
Is Cilella Insurance a local independent agency?
Yes. We're an independent insurance agency based in Morgantown, WV, which means we're not tied to any single carrier and we're free to recommend whatever plan best fits your situation. We work with all major carriers and hold active licenses in 14 states.
How does Cilella Insurance find most of its new clients?
Most new clients come through referrals — a family member, a neighbor, or a coworker who's already working with us. That doesn't happen with pushy tactics. It happens when people trust you enough to put their name behind you.
Can you help if my spouse is on Medicare but I'm not yet 65?
Yes. We regularly work with households where one spouse is on Medicare and the other is still shopping ACA marketplace plans. We can help both of you find coverage at the same time, from the same local team.
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 approximately 500 clients across West Virginia and beyond. Full team credentials are available upon request. Learn more about our Medicare services on our Medicare page.
Schedule a Consultation
Ready to Talk with Someone Local?
Whether you have questions about Medicare, need help comparing health insurance options, or just want to know which plan makes sense before you commit to anything, give us a call. There's no cost, no pressure, and no hold queue — just a real conversation with someone who knows this market and wants to get you into the right plan.
