Cilella Insurance
Greene County's Neighbor for Medicare and Insurance in Pennsylvania
Waynesburg is about 30 miles from our Morgantown office — and we're licensed in Pennsylvania. Whether you're turning 65, reviewing your Medicare coverage, or shopping for health or life insurance, Cilella Insurance serves the Waynesburg area the same way we serve every client: with local knowledge, PA-specific options, and a team that picks up the phone.
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
Licensed in Pennsylvania, Built for This Region
We are not a West Virginia agency trying to reach across the border. Cilella Insurance holds an active Pennsylvania license and works with Greene County residents as a natural part of our regional service area. Our team compares Medicare Advantage plans, Medigap policies, and Prescription Drug Plans available specifically in your Pennsylvania county — not WV defaults applied to a PA zip code.
Pennsylvania Medicare plan availability, carrier options, and Medigap pricing are compared independently for every Waynesburg client. Here's what that means in practice:
- We pull plan options for Greene County, PA — not for Monongalia County, WV
- PA Medigap rates are quoted from PA-licensed carriers at PA pricing
- Carrier networks are verified against the providers you actually use
- Cross-border provider access is confirmed before any plan is recommended
Your Doctors May Be in West Virginia — Your Plan Can Still Cover Them
Many Waynesburg-area residents receive care at WVU Medicine or Monongalia General in Morgantown. That cross-state dynamic matters when choosing a Medicare plan, and it's something we verify as a standard part of intake for every Greene County client. Not every PA Medicare plan includes WV providers in-network, and that difference can affect your out-of-pocket costs significantly.
We check provider network compatibility before recommending anything. If your primary care physician, specialist, or hospital is in Morgantown, we make sure the plan we present actually works where you get your care.
Medicare Plans We Compare for Waynesburg and Greene County
Whether you're approaching Medicare for the first time or reconsidering a plan that no longer fits, we compare every major coverage path available to Pennsylvania residents in your area.
- Medicare Advantage plans available in Greene County, PA
- Medicare Supplement (Medigap) policies with PA-specific carrier pricing
- Prescription Drug Plans(Part D) matched to your current medications
- Hospital Indemnity Plans for gap coverage alongside your Medicare plan
Our intake process uses RetireFlow, a streamlined tool that collects your coverage details upfront so your first conversation is focused on options — not paperwork.
Health and Life Insurance for Pennsylvania Residents
Medicare isn't the only coverage we handle for Waynesburg clients. If you're not yet Medicare-eligible, self-employed, or looking for supplemental protection, we work across the full range of health and life insurance options available in Pennsylvania.
- Individual health insurance and ACA Marketplace plans
- Dental and vision insurance, including Emeritas self-enrollment options
- Term life, whole life, and final expense insurance
- Disability insurance and critical illness coverage
Why Waynesburg Residents Work with Cilella Insurance
Greene County, PA sits in a region where the right insurance agent needs to understand both sides of the state line. Our team of four licensed Medicare specialists — Michael Cilella, Michael Ogden, Donna Hines, and John Fox — brings 8 years of dedicated Medicare experience and a client base built almost entirely on referrals. We serve approximately 500 clients across 14 states, and Pennsylvania is one of them.
You get a named agent, a direct phone number, and a team that knows this region. That's the difference between working with a local independent broker and filling out a form on a national comparison site.
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.
Common Questions from Waynesburg and Greene County Residents
Is Cilella Insurance actually licensed to sell insurance in Pennsylvania?
Yes. We hold an active Pennsylvania insurance license and serve Greene County residents as a regular part of our regional client base. You'll receive PA-specific plan comparisons, PA-licensed carrier options, and PA pricing — not coverage recommendations built for West Virginia.I get my medical care in Morgantown, WV. Will a Pennsylvania Medicare plan cover those providers?
It depends on the plan and the carrier. Many Morgantown providers participate in PA Medicare Advantage and Medigap networks, but this varies. We verify cross-border provider access for every Waynesburg client before recommending a plan, so you know exactly what's covered before you enroll.How is a Medicare plan in Greene County, PA different from one in WV?
Pennsylvania and West Virginia have separate Medicare plan markets. Carrier availability, Medigap pricing, and Medicare Advantage network structures differ by state and by county. We pull options specific to your Pennsylvania county — not WV plan data — so the comparison reflects what's actually available where you live.What does a no-cost Medicare review with Cilella Insurance involve?
We start with a short intake through our RetireFlow tool to collect your current coverage details, medications, and preferred providers. From there, one of our licensed Medicare specialists walks you through the plans available in your area, compares costs and coverage, and answers your questions. There's no fee and no obligation.Can you help me with health or life insurance if I'm not yet on Medicare?
Yes. We work with Pennsylvania residents on individual health insurance, ACA Marketplace plans, dental and vision coverage, term and whole life insurance, disability insurance, and more. If you have a coverage need, we can likely help — give us a call or send us a message and we'll point you in the right direction.
Ready to Talk with a PA-Licensed Insurance Agent?
Cilella Insurance serves Waynesburg and Greene County with the same care we bring to every client across our 14-state service area. Call us directly, or start your Medicare review online through our RetireFlow intake form. We'll take it from there.