Helping Columbiana & Mahoning County residents make confident, informed choices about Medicare coverage.

Medicare Doesn’t Have to Be Overwhelming

Turning 65 or nearing retirement often brings a flood of questions about Medicare — when to enroll, which plan to choose, and how to avoid costly mistakes. At Arcuri & Associates Assurance Agency, we’ve been helping individuals and families across Northeastern Ohio navigate Medicare since 1983.

Whether you live in Salem, Columbiana County, or Mahoning County, our goal is to make the process simple, personal, and stress-free. This guide breaks down everything you need to know about Medicare insurance in Columbiana County, Ohio — including Medicare Advantage plans in Salem, supplement coverage in Mahoning County, and where to get Medicare enrollment help near you.

Understanding Your Medicare Options

Medicare isn’t one-size-fits-all. It’s made up of different parts, each covering specific needs. Knowing the basics helps you choose confidently.

Medicare Part A — Hospital Coverage

Part A covers inpatient hospital care, skilled nursing, hospice, and some home health services. Most people qualify for Part A without a premium if they’ve paid Medicare taxes through work.

Medicare Part B — Medical Coverage

Part B helps pay for doctor visits, outpatient care, preventive services, and durable medical equipment. You’ll typically pay a monthly premium for Part B, which can vary depending on your income.

Medicare Part C — Medicare Advantage Plans

Medicare Advantage plans in Salem, Ohio are offered by private insurance companies approved by Medicare. These plans combine Part A and B, often include prescription drug coverage, and may offer extras like dental, vision, and hearing benefits.

Many residents choose Medicare Advantage because it provides an all-in-one option with predictable costs and local provider networks. But comparing plans carefully — especially by county — is key, since coverage varies between Mahoning and Columbiana Counties.

Medicare Part D — Prescription Drug Plans

Part D covers the cost of prescription medications. If you enroll in Original Medicare (Parts A and B), you’ll likely need a separate Medicare Part D prescription plan in Salem, Ohio to avoid late penalties and ensure your medications are covered.

Medicare Supplement Insurance (Medigap)

If you prefer Original Medicare, a Medicare Supplement plan in Mahoning County, Ohio helps fill the gaps — paying for copayments, coinsurance, and deductibles. Medigap plans are offered by private insurers, and you can choose the level of coverage that best fits your health and budget.

How to Compare Medicare Plans in Northeastern Ohio

Choosing the right Medicare plan starts with understanding what matters most to you. Here are the key factors we help clients evaluate in our face-to-face Medicare consultations across Columbiana and Mahoning Counties.

1. Your Healthcare Needs

Start by listing your doctors, medications, and preferred hospitals. We’ll help you see which plans include your providers and prescriptions — avoiding unpleasant surprises later.

2. Your Budget

Each plan has different costs: monthly premiums, deductibles, and copayments. We’ll help you find the right balance between premium and out-of-pocket expenses, ensuring your plan fits your lifestyle and financial comfort.

3. Your Travel and Lifestyle

Do you spend time in another state during the year? Some Medicare Advantage plans have limited provider networks, while others offer national coverage. If you travel often or live part-time in Florida or Pennsylvania, we’ll make sure your plan works wherever life takes you.

4. Your Prescription Needs

Prescription coverage can vary greatly between plans. During our review, we use up-to-date software to compare Medicare Part D plans in Salem and nearby areas — identifying which option provides the best value for your specific medications.

When to Enroll in Medicare

Knowing your enrollment timeline helps you avoid late penalties and ensures uninterrupted coverage.

• Initial Enrollment Period: Starts three months before your 65th birthday, includes your birthday month, and extends three months after.
• General Enrollment Period: If you miss your initial window, you can sign up from January 1 to March 31 each year, with coverage starting July 1.
• Annual Open Enrollment (October 15 – December 7): During this time, you can switch between Original Medicare and Medicare Advantage or change your Part D plan.
• Special Enrollment Periods: Certain events — like retirement, moving, or losing employer coverage — may qualify you for a special window to enroll or adjust your plan.
• If you’re unsure about your eligibility or timing, our team offers Medicare enrollment help near you — guiding you through every step with clarity and care.

Avoiding Common Medicare Mistakes

Even small enrollment errors can lead to big costs. Here are the most frequent pitfalls we help our clients avoid:

• Missing the Initial Enrollment Window — which can result in lifelong premium penalties.
• Assuming All Doctors Accept Medicare Advantage — always check your providers’ network status.
• Overlooking Prescription Coverage — not all plans cover the same medications.
• Forgetting to Review Plans Annually — benefits and drug formularies change every year.

Our promise is simple: with Arcuri & Associates, you’ll never face these challenges alone. We make sure every box is checked and every question answered — before you sign anything.

Why Local Guidance Matters

While national call centers and online comparison sites may offer generic advice, Medicare decisions are local. Costs, coverage, and carrier options vary between Mahoning, Columbiana, and neighboring counties, and only a local advisor can give you a clear picture of what works in your area.

At Arcuri & Associates Assurance Agency, our roots run deep in Eastern Ohio. For more than four decades, we’ve guided thousands of residents through Medicare with:

• Face-to-Face Education: We meet where you’re comfortable — at home, in our office, or even your favorite coffee shop.
• Ongoing Support: We stay with you long after enrollment, reviewing your plan each year to make sure it still fits.
• Direct Access: You’ll always reach Greg or Tony directly — no call centers, no phone trees.

Because to us, you’re not a policy number — you’re part of our family.

The Best Medicare Advantage and Supplement Plans in Northeastern Ohio

Every client’s needs are unique, but here’s what we’ve seen work best for many of our neighbors across Columbiana and Mahoning Counties:

Medicare Advantage (Part C)

Ideal for those who want convenience and extra benefits — including dental, vision, and fitness perks. Local carriers often include regional hospital systems, ensuring you get care close to home.

Medicare Supplement (Medigap)

A great fit if you travel frequently or prefer nationwide coverage flexibility. It pairs with Original Medicare and can help control unexpected out-of-pocket costs.

Prescription Drug (Part D)

Crucial for anyone taking regular medications. We’ll help you compare formularies, pharmacy options, and premium costs to maximize value.

The key takeaway? The best Medicare plan is the one that fits your life. And our job is to make sure you find it — with clarity, confidence, and local care.

Frequently Asked Questions About Medicare in Northeastern Ohio

Q: What’s the difference between Medicare Advantage and Supplement plans?

A: Medicare Advantage (Part C) replaces Original Medicare with an all-in-one plan, often including prescription coverage. Supplement (Medigap) policies work alongside Original Medicare to cover out-of-pocket costs like copays and deductibles.

Q: Can I get Medicare help in Columbiana County or Mahoning County?

A: Absolutely. Our local team specializes in Medicare insurance across Columbiana and Mahoning Counties, offering personal consultations for residents in Salem, East Liverpool, Boardman, and surrounding communities.

Q: How often should I review my Medicare plan?

A: We recommend reviewing it annually during Open Enrollment. Plans, premiums, and networks change every year — and we’ll make sure you’re still getting the best fit.

Take Control of Your Healthcare Today

Medicare doesn’t have to be confusing or stressful. Whether you’re exploring Medicare Advantage in Salem, Medigap in Mahoning County, or simply want Medicare enrollment help near you, the team at Arcuri & Associates Assurance Agency is here to help — face-to-face, with no pressure and no call centers.

Since 1983, we’ve built our reputation on trust, integrity, and education-first guidance. Let’s make your Medicare journey simple, personal, and clear.

Schedule Your Medicare Review Today

📞 Call: 330-853-6132 or 330-207-7678
💬 Or request a consultation through our website.

With Arcuri & Associates Assurance Agency, you’ll always have experience, education, and a trusted partner for life.