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Medicare is our Specialty

Do you think Medicare is confusing?

You are not alone!

Making the right choices and processing your Medicare enrollment doesn’t have to be difficult. As an independent agent and consultant, we're here to help! We can meet in a comfortable location of your choice. My customers have confidence in me because they feel that working with me is a helpful, educational experience.

  • With an extensive background and history in the insurance industry, Joe Sheen started helping Medicare-Eligible clients understand the many facets of Medicare. We provide one-on-one personal service, educating clients to help them choose the right Medicare plan for them. New York State licensed, and with over 30 years of customer oriented service we are well-equipped to help clients navigate Medicare plans, details, costs, penalties, and other confusing aspects of Medicare choices in a non-threatening, sharing, and informative person-to-person process.
  • With so much constantly changing and frequently confusing information out there, picking a Medicare package can be intimidating. The plan should fit you: your healthcare needs and budget both now and where you will be in the future. It is very important to consider how a plan is comprised and to choose a plan that will fit your healthcare needs. We can help you pick the right Medicare plan for you.
  • Joe and Cindy are licensed by the New York State Insurance Department* to consult and ENROLL clients into insurance plans in the following categories:
  • Medicare Insurance:
  • Medicare Advantage (or Part C)
  • Medicare Supplement (or Medigap)
  • Prescription Drug plans (or Part D)
  • Life Insurance
  • Individual Dental Insurance

OVIA is not a Medicare broker for one specific insurance company. Rather, we are a licensed independent agent appointed by several insurance companies to offer their insurance plans. Consultations are given at no charge. We earn a commission based on a client’s enrollment in any of the insurance plans listed above, which is paid by the carrier and not the client.   Remember it costs you nothing to work with OVIA.  All costs are the same whether you use OVIA or not and we do not charge any type of fee.

We Currently work with:

Excellus – Medicare Advantage plans and Medicare Supplement Plans

Aetna – Medicare Advantage Plans

Humana – Medicare Advantage plans and Prescription (Part D) plans

Silverscripts – Prescription (Part D) Plans.


When you first enroll in Medicare and during certain times of the year, you can choose how you get your Medicare coverage. There are 2 main ways to get your Medicare coverage—Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). Some people need to get additional coverage, like Medicare prescription drug coverage (Part D) or Medicare Supplement Insurance (Medigap).

Hospital Insurance

 Part A

  • Inpatient care in a hospital
  • Skilled nursing facility care
  • Inpatient care in a skilled nursing facility (not custodial or long-term care)
  • Hospice care
  • Home health care

Medical Insurance

Part B

  • Medicare Part B covers Medically necessary medical services you receive on out outpatient basis.  This includes services such as doctors visits, lab work and testing, Ambulance service, scans and outpatient surgeries

Hospital & Medical

Part C

Medicare Advantage

  • Is offered by a private company
  • Is the primary insurance
  • Contracts with Medicare to provide Medicare Part A (Hospital) and Medicare Part B (Medical) benefits
  • Provides additional coverages that are not covered by traditional Medicare, such as prescription (Part D) and dental

Prescription Drug Coverage

Part D

Each plan that offers prescription drug coverage through Medicare Part D must give at least a standard level of coverage set by Medicare. Plans can vary the list of prescription drugs they cover (called a formulary) and how they place drugs into different “tiers” on their formularies.

Scope of Appointment Form

The Centers for Medicare & Medicaid Services requires sales agents to document the scope of a marketing appointment at least 48 hours prior to any sales meeting when possible, to ensure understanding of what will be discussed between the sales agent and the Medicare beneficiary (or their authorized representative). All information provided on this form is confidential and should be completed by each person with Medicare or his/her authorized representative.

Fillable form

Excellus Blue Cross Blue Shield

Who is eligible for Medicare?

U.S. citizens and legal residents

Note: Legal residents must have lived in the U.S. for at least 5 years in a row before applying for Medicare.

Plus, one of the following:

  • Age 65 or older
  • Younger than 65 with a qualifying disability
  • Any age with a diagnosis of End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS, also called Lou Gehrig’s Disease)
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Health coverage you can count on

If you’re looking to purchase health coverage for yourself and your family, we can help you get to the right place. 
  • Find Medicare Coverage
  • Shop for health plans
  • Get coverage through work
  • Change your plan
  • Find dental coverage

If you are turning 65, otherwise new to Medicare, losing benefits at work, moving, or have both Medicare and Medicaid you may be eligible. Other circumstances may qualify you as well.

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Joe Sheen - RHU | CDHC

Employee Benefits Consultant | Medicare Sales



Cindy Shepard

Benefits Account Manager | Medicare Sales