Cilella Insurance
Medicare & Insurance Help for Clarksburg and Harrison County, WV
Clarksburg residents deserve a local agent who knows Harrison County's plan options, understands the Louis A. Johnson VA Medical Center, and can confirm your coverage at United Hospital Center before you ever sign anything.
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
We Know Harrison County — and That Changes Everything
Insurance isn't one-size-fits-all, and Harrison County isn't the same market as the counties around it. Medicare Advantage and Supplement plan availability, provider networks, and prescription formularies can look very different here than they do 30 miles north in Morgantown. When you work with Cilella Insurance, we research what's actually available in your zip code — not a neighboring county's options — and build your coverage around the plans that exist in your specific market.
We're an independent agency, which means we compare carriers side by side and recommend what fits your situation. No call center. No script. Just a licensed specialist who has done this research for Harrison County clients before.
VA Benefits and Medicare: You May Need Both
If you receive care through the Louis A. Johnson VA Medical Center in Clarksburg, you may already have strong healthcare coverage through the VA. But VA benefits and Medicare are separate systems, and understanding how they interact is one of the most important decisions a veteran approaching 65 can make.
VA benefits cover care received at VA facilities. Medicare covers care outside the VA system — at United Hospital Center, specialist offices, urgent care clinics, and hospitals across the country. In most cases, having both gives you broader access and more flexibility than relying on either one alone. The specifics depend on your individual situation, including your VA eligibility tier, the Medicare plans available in Harrison County, and how you prefer to receive care.
We help veterans in the Clarksburg area work through these questions clearly and at no cost. There's no obligation, and we won't push you toward coverage you don't need.
Will Your Medicare Plan Cover United Hospital Center?
United Hospital Center in Bridgeport is the primary hospital serving Harrison County residents, and network participation varies by plan. Before we recommend any Medicare Advantage plan to a Clarksburg-area client, we verify that United Hospital Center is in-network for that plan. We do the same for your primary care physician and any specialists you see regularly.
This is a standard part of our intake process — not an afterthought. If a plan doesn't cover your preferred providers, we don't recommend it. Our goal is coverage that works in your real life, not just on paper.
Medicare Plans We Help Clarksburg Residents Compare
We work with multiple carriers to compare every major Medicare option available in Harrison County. Depending on your health, budget, and how you use care, the right fit may be different for you than it is for your neighbor. We take the time to understand your situation before we make any recommendation.
Coverage types we help Harrison County residents evaluate:
- Medicare Advantage plans available in your zip code
- Medicare Supplement(Medigap) plans for predictable out-of-pocket costs
- Prescription Drug Plans(Part D) matched to your current medications
- Hospital Indemnity Plans to fill gaps in Advantage coverage
- Dental and vision coverage, including instant-enrollment options through our Emeritas partnership
We're also licensed in 14 states, so if you spend part of the year in Florida, South Carolina, or elsewhere, we can help you think through how your coverage travels with you.
Beyond Medicare: Full Coverage for Clarksburg Families
Medicare is our specialty, but Cilella Insurance serves the full range of insurance needs for Harrison County residents. Whether you're a small business owner looking at group health options, a younger adult shopping for individual coverage, or a family thinking through life insurance, we can help.
We offer individual health insurance and ACA Marketplace plans, group health insurance for local employers, term life, whole life, universal life, and final expense insurance, disability insurance, and accident, cancer, and critical illness coverage. If you're not sure what you need, a quick conversation is the right place to start.
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.
Questions from Clarksburg and Harrison County Residents
I use the VA in Clarksburg for my healthcare. Do I still need to sign up for Medicare?
In most cases, yes — enrolling in Medicare Part A at 65 is recommended even if you receive VA care, because Part A is premium-free for most people and provides coverage outside the VA system. Whether you need Part B depends on your VA eligibility tier and how you use care. We walk veterans through this decision at no cost so you understand your options before any enrollment deadline passes.Is Medicare insurance agent Clarksburg WV the same as working with a national call center?
Not with us. Cilella Insurance is a local independent agency serving North Central West Virginia. When you call, you speak with a licensed Medicare specialist who knows Harrison County's plan options and provider networks — not a representative reading from a national script.Which Medicare plans are available in Harrison County, WV?
Plan availability in Harrison County differs from surrounding counties, and it changes each year during the Annual Enrollment Period. We research what's currently available in your specific zip code and compare your options across carriers before making any recommendation.Will my Medicare plan cover United Hospital Center in Bridgeport?
Network participation varies by plan and can change annually. Before we recommend any Medicare Advantage plan to a Harrison County client, we confirm United Hospital Center's participation for that specific plan. We apply the same check to your primary care physician and any specialists you see regularly.Can you help with dental and vision coverage in Clarksburg?
Yes. Through our Emeritas carrier partnership, eligible clients can enroll in dental and vision coverage online with instant approval — no waiting period for the enrollment process itself. We can walk you through the options and help you determine whether a standalone dental and vision plan or a Medicare Advantage plan with built-in benefits is the better fit for your situation.
Ready to Talk with a Local Agent Who Knows Harrison County?
Whether you're approaching Medicare eligibility, navigating VA benefits, or simply looking for coverage that fits your life in Clarksburg, we're here to help. Our consultations are always at no cost, and there's no pressure to enroll in anything. Start with a conversation and see what your options actually look like.