Cilella Insurance
Your Morgantown Insurance Agent, Not a Call Center, Your Neighbor
We're based here in Morgantown, we know Monongalia County, and when you call us, you reach someone who can tell you whether your doctor at WVU Medicine or Mon Health is in your plan's network before you ever enroll.
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
Local Means Something When It's Your Medicare Coverage
There's a real difference between an independent insurance agent who lives and works in Morgantown and a national call center reading from a script. Our team — Michael Cilella, Michael Ogden, Donna Hines, and John Fox — are licensed Medicare specialists who serve the Morgantown area every day. We know which plans are available in your zip code, which carrier networks include WVU Medicine and Mon Health Medical Center, and which options have changed since last year's Annual Enrollment Period.
That local knowledge isn't incidental. It's the reason roughly 500 clients — most of them right here in the Morgantown area — came to us through referrals from people they trust.
Will Your Plan Cover Your WVU Medicine or Mon Health Doctor?
This is the question we hear more than any other from Morgantown residents approaching Medicare. Network compatibility isn't something to figure out after you enroll — it's something we verify before we recommend anything.
Whether you're seeing a specialist at WVU Medicine or a primary care provider through Mon Health Medical Center, we run a provider participation check as a standard part of every Medicare review. You'll know exactly which plans keep your current doctors before you make a decision.
Independent Advice on Every Plan Available in Monongalia County
Cilella Insurance holds no allegiance to any single carrier. As an independent local insurance broker, we compare every Medicare Advantage plan, Medicare Supplement, and Prescription Drug Plan available in your county — not a curated national list, not a carrier's preferred lineup. What's actually available to you, in your zip code, at your age and health situation.
That independence is what makes the comparison meaningful. We're not steering you toward a plan because it pays us more. We're showing you what fits.
- Medicare Advantage plans available in Monongalia County
- Medicare Supplement options with carrier-by-carrier rate comparisons
- Prescription Drug Plans matched to your current medications
- Hospital Indemnity Plans to cover gaps Medicare doesn't
- Dental and vision coverage through our Emeritas self-enrollment portal
Buy Local, Stay Local — We're Here Before, During, and After Enrollment
During Medicare's Annual Enrollment Period, you'll find us in the community — on local TV, radio, and in the newspaper — because we believe in showing up where Morgantown residents actually are. That visibility isn't marketing for its own sake. It's a signal of how we operate: present, accessible, and accountable to the people we serve.
When your coverage question comes up in February — not October — you call the same number and reach the same team. That's what staying local looks like.
Coverage for Every Stage — Not Just Medicare
Medicare is our specialty, but Morgantown residents come to us across every coverage category. Whether you're a WVU student or staff member shopping for individual health insurance, a small business owner looking at group health options, or a family thinking through life insurance, we hold licenses across the full range of coverage types.
We serve clients throughout Morgantown, and our licensed agents are also available to residents in Fairmont, Clarksburg, and Kingwood.
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.
Frequently Asked Questions — Insurance Agent Morgantown, WV
What's the best Medicare insurance agent in Morgantown, WV?
The right Medicare agent is one who is independent, locally based, and willing to verify your doctor's network participation before recommending a plan. Cilella Insurance is a Morgantown-based independent agency with four licensed Medicare specialists and eight years of dedicated Medicare experience serving Monongalia County residents.Do Medicare Advantage plans in Morgantown cover WVU Medicine doctors?
Network participation varies by plan and by provider. Some Medicare Advantage plans available in Monongalia County include WVU Medicine in their network; others do not. We run a provider participation check for every client before recommending any plan, so you know exactly where you stand before you enroll.Is Mon Health Medical Center covered under Medicare Supplement plans?
Medicare Supplement plans — also called Medigap — generally allow you to see any provider who accepts Medicare nationwide, including Mon Health Medical Center. This is one of the key differences between Medicare Supplements and Medicare Advantage plans, and it's something we walk through with every client during their review.How much does it cost to work with a local Medicare advisor in Morgantown?
There is no cost to you. Independent Medicare agents like Cilella Insurance are compensated by the carriers, not by clients. Your no cost Medicare review includes a full plan comparison, provider network check, and prescription drug plan analysis.Can I get help with health or life insurance if I'm not yet on Medicare?
Yes. We work with Morgantown residents across all coverage types — individual health insurance, ACA Marketplace plans, group health for small businesses, and life insurance including term, whole life, and final expense coverage. Medicare is our specialty, but we're a full-service independent agency.Do you serve clients outside Morgantown?
We serve clients throughout West Virginia and hold licenses in 13 additional states. In the local area, we work with residents in Fairmont, Clarksburg, Kingwood, and Waynesburg, PA, among other communities.
Ready to Work With a Morgantown Insurance Agent Who Knows Your Market?
Call us at 304-988-5552 or complete the RetireFlow intake form below to schedule your no cost Medicare review. We'll confirm your providers, compare your options, and give you a straight answer — from someone who actually knows Morgantown.