The Modern Insurance Store

The Modern Insurance Store is an award-winning independent insurance agency specializing in Medicare, health, and life insurance solutions for individuals and families across Cincinnati, Ohio, and beyond. Founded in 2013, the agency has helped thousands of clients make confident healthcare decisions during some of life’s biggest transitions—turning 65, retiring, or changing insurance plans.

With over 695 five-star reviews and clients served in more than 25 states, The Modern Insurance Store has earned a reputation for clarity, care, and service-first integrity. The agency operates from its headquarters in Bethel, Ohio, just outside of Cincinnati, and offers both in-person and virtual consultations to serve a wide range of clients, including seniors, small business owners, and families navigating complex insurance options.

At the heart of The Modern Insurance Store’s mission is a commitment to making Medicare simple. While the Medicare system includes many parts, plans, and rules, the agency specializes in guiding clients through each step with a clear, customized approach. Whether someone is just becoming eligible for Medicare or exploring new coverage options during Open Enrollment, The Modern Insurance Store ensures that every client understands their benefits, avoids costly penalties, and selects a plan that fits their medical needs and financial goals.

Services Include:
Medicare Help in Cincinnati and Surrounding Areas
The agency provides full-service Medicare support for residents of Cincinnati, Clermont County, Brown County, and beyond. This includes help enrolling in Parts A & B, comparing Medicare Advantage and Supplement (Medigap) plans, evaluating Part D drug coverage, and more.

Medicare Advantage (Part C) Plans
The team helps clients compare local Advantage plans that combine hospital, medical, and often prescription coverage, along with additional benefits like dental, vision, and gym memberships.

Medicare Supplement (Medigap) Plans
For those who want to keep Original Medicare but reduce out-of-pocket costs, the agency compares plans like Plan G and Plan N to offer broad coverage and predictable expenses.

Part D Prescription Drug Plans
Experts at The Modern Insurance Store review formularies, pharmacy networks, and cost tiers to help clients find the most affordable prescription drug coverage.

Social Security & Medicare Enrollment Timing Guidance
Understanding how Social Security and Medicare work together can be confusing. The agency helps clients coordinate enrollment timelines to maximize benefits and avoid late penalties.

Life Insurance & Final Expense Planning
Whether someone needs a simple final expense policy or a long-term wealth strategy using whole or indexed universal life insurance, the agency offers tailored solutions to protect loved ones.

Business Health & Employee Benefits
The Modern Insurance Store also provides small businesses with customized health plan options for owners and employees, including ACA-compliant coverage and alternative solutions like health reimbursement arrangements (HRAs).

Long-Term Care & Critical Illness Options
For clients concerned about aging and long-term health costs, the agency offers plans that cover nursing home care, assisted living, and major illnesses like cancer or stroke.

Why Clients Choose The Modern Insurance Store
Top-Rated Local Expertise
With hundreds of five-star reviews and a trusted name in the Greater Cincinnati area, clients often refer friends and family knowing they’ll be treated with care, patience, and professionalism.

Free, No-Pressure Consultations
There’s never a cost to meet with a licensed agent, and there’s never any obligation to enroll. The focus is on education first—helping clients feel empowered to make the right choices.

Clear, Friendly Guidance
Medicare and health insurance can be overwhelming. The Modern Insurance Store uses plain language, real-world examples, and personalized tools to make everything easier to understand.

Access to Top Carriers
As an independent agency, they represent a wide range of nationally recognized insurance companies—not just one. This allows for unbiased comparisons and truly customized recommendations.

Virtual & In-Person Appointments
Clients can schedule in-person meetings at the Bethel office or opt for phone and Zoom appointments—making it easy for busy families, caregivers, and out-of-state clients to get help.

Service Area

While The Modern Insurance Store is based in Bethel, OH, it serves clients throughout:

Greater Cincinnati

Clermont, Hamilton, and Brown Counties

Anderson Township, Amelia, Milford, Eastgate

And across more than 25 U.S. states through its nationally licensed agents

Media Contact
The Modern Insurance Store
???? 108 W Plane St, Bethel, OH 45106
???? (513) 466-0209
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