Janelle Rider, Medicare Insurance Broker
Janelle Rider
Healthmarkets, Inc
Medicare Broker Licensed in IN, KY and OH
Contact Details
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Location
Cincinnati, OH
About Me
Having health insurance is a crucial form of protection, but it can often be confusing. As a licensed insurance agent with 12 years of experience, my job is to help take the guesswork out of it. I work with individuals, families, and employees to understand their coverage options in Cincinnati, throughout Ohio, and in several other states including Kentucky, and Indiana. I look forward to helping you with your Health, Life, Supplemental, and Medicare options.
Directions to My Office
Q&A with Janelle Rider
Can I meet with a Medicare advisor on behalf of my mom and dad?
Answer: Yes, you can meet with a Medicare advisor on behalf of your parents with a signed form that you are their Medicare Appointee. This form is called Appointment of Representative (Form CMS-1696). This form must be completed for each parent.
Does everyone over the age of 65 qualify for Medicare?
Answer: Although 65 is the typical age to qualify for Medicare not everyone qualifies for Medicare over the age of 65.
Two major factors that qualifies someone for Medicare is meeting the work requirements (10 years paying into Medicare - 40 quarters); and, the citizenship or residency requirements (a US citizen or law permanent resident for the last 5 years.
If someone does not meet these requirements and over the age of 65, they will not qualify for Medicare.
My neighbor says I'm crazy for paying for a Medigap plan when Medicare Advantage is "free." What should I tell him?
Answer: Each type of plan has serves its own purposes. There is no one size fits all.
Choosing either a medigap plan or a mapd plan comes down to the needs of the consumer and their budget.
To truly make an educated choice is to review both options; there will be a cost somewhere. You pay upfront for the plan or pay medical expenses as you go. That's not the only thing to consider however; so, sitting with a knowledgeable broker can help you decide.
What are the reasons why I should work with a Medicare agent?
Answer: Medicare can be very confusing, and navigating the process to find the best option for you isn’t always easy. The plans are not one-size-fits-all. There are too many variables—knowing the rules, understanding which benefits apply to you, and being aware of all the costs involved can quickly become overwhelming.
Having a Medicare agent takes the guesswork out of the process by completing a needs analysis to shop for the best options and present them to you clearly.
A Medicare agent’s role is not to enforce, but to educate—helping you understand your choices and structure a plan that empowers you to make the right decision for yourself while meeting both your medical and financial needs.