Edward Smith Insurance, 9129 Rich Woods Court, Loveland, OH (2026)

05/31/2026

If you’re feeling overwhelmed by Medicare ads, phone calls, and “too good to be true” offers, you’re not alone. Many people approaching or already on Medicare are worried about scams and misleading information that could cost them money or even disrupt their coverage.

That’s exactly why I do things differently.

My name is Edward Smith, and I’m an independent, licensed Medicare advisor based in Ohio. I don’t work for Medicare, and I don’t work for just one insurance company. I work for you.

What that means for you:

I’m independent, so I can compare multiple companies and plan options instead of pushing just one brand.

I’m obligated to act in your best interest, helping you find coverage that fits your doctors, prescriptions, and budget.

I explain your options in plain English so you know exactly what you’re signing up for—no surprise bills or hidden fine print.

I never sell your information, and I don’t pressure you into a quick decision. My goal is a long‑term relationship, not a one‑time sale.

If you’re getting bombarded by calls or confusing offers, I’m happy to review them with you so you can tell what’s real and what’s risky. You should never feel rushed or afraid when making Medicare decisions.

If you’d like a straightforward, no‑pressure conversation about your Medicare options, send me a message here on Facebook or call/text me at 513-484-4824.

You deserve a trusted, independent resource for accurate Medicare information—and that’s what I’m here to be.

Edward Smith Insurance Office 513-774-9125 cell 513-484-4824

Licensed Insurance Agent & Investment Adviser

05/27/2026

Turning 65 in Ohio? Don’t Overpay for Your Medicare Supplement

If you’re about to start Medicare, you’ll see a lot of people pushing Plan G as “the best.” But for many people in Ohio, Plan N can give very similar coverage for a lower monthly cost.

Here’s why:

Ohio law does not allow doctors to bill you “Part B excess charges” on top of what Medicare approves when you get care in Ohio. Those excess charges are exactly what Plan G covers that Plan N does not.

That means here in Ohio, the big “extra” benefit of Plan G often never gets used when you stay in-state.

Plan N usually has a noticeably lower premium than Plan G, often $20–$30 per month less at age 65 in Ohio, which can add up to thousands of dollars saved over your retirement.

With Plan N you still get strong, standardized Medicare Supplement coverage, but you agree to small copays (up to about $20 for some office visits and $50 for some ER visits if you’re not admitted) in exchange for that lower premium.

👉 If you’re turning 65 soon, message me to see a simple, no-pressure comparison of Plan N vs Plan G based on your age, your doctors, and your budget, so you can start Medicare without overpaying.

Licensed Insurance Agent & Investment Adviser

05/27/2026

Turning 65 in Ohio? Don’t Overpay for Your Medicare Supplement

If you’re about to start Medicare, you’ll see a lot of people pushing Plan G as “the best.” But for many people in Ohio, Plan N can give very similar coverage for a lower monthly cost.

Here’s why:

Ohio law does not allow doctors to bill you “Part B excess charges” on top of what Medicare approves when you get care in Ohio. Those excess charges are exactly what Plan G covers that Plan N does not.

That means here in Ohio, the big “extra” benefit of Plan G often never gets used when you stay in-state.

Plan N usually has a noticeably lower premium than Plan G, often $20–$30 per month less at age 65 in Ohio, which can add up to thousands of dollars saved over your retirement.

With Plan N you still get strong, standardized Medicare Supplement coverage, but you agree to small copays (up to about $20 for some office visits and $50 for some ER visits if you’re not admitted) in exchange for that lower premium.

If you’re turning 65 soon, Send me a message to see a simple, no-pressure comparison of Plan N vs Plan G based on your age, your doctors, and your budget, so you can start Medicare without overpaying.

Licensed Insurance Agent & Investment Adviser

05/23/2026

Are you self‑employed or a business owner with employees on Medicare? There’s a little‑known option that can turn Medicare into a powerful tax‑advantaged benefit: a Group Medicare MSA (Medical Savings Account) plan.

A Group MSA works much like a high‑deductible health plan paired with an HSA. Medicare provides a high‑deductible Medicare Advantage plan and then deposits money directly into each participant’s own MSA bank account at the start of the year. For 2026 plan designs like these, that deposit can be around $2,400 per person, which they control and can use toward qualified medical expenses.

Here’s why business owners and self‑employed professionals love this strategy:

Each Medicare‑eligible owner or employee receives a tax‑advantaged deposit (for example, $2,400) into their own MSA, funded by Medicare.

In many designs there is no additional plan premium beyond the normal Medicare Part B premium, so it can be a very cost‑efficient benefit.

Depending on the plan and tax rules, participants may be able to contribute additional personal funds each year, which can be tax‑deductible, grow tax‑deferred, and come out tax‑free when used for qualified medical expenses—very similar to an HSA.

Qualified expenses typically include medical, dental, vision, and prescription costs, as defined by IRS rules, so this can pair nicely with existing HSA balances and ongoing health expenses.

If you already have an HSA from your working years, a Group MSA can be a fantastic way to keep building tax‑favored healthcare dollars in retirement, using Medicare’s own deposit as a starting point and potentially adding your own contributions on top.

For more information call us @ 513-774-9125

Edward Smith Insurance

Call now to connect with business.

05/23/2026

Are you self‑employed or a business owner with employees on Medicare? There’s a little‑known option that can turn Medicare into a powerful tax‑advantaged benefit: a Group Medicare MSA (Medical Savings Account) plan.

A Group MSA works much like a high‑deductible health plan paired with an HSA. Medicare provides a high‑deductible Medicare Advantage plan and then deposits money directly into each participant’s own MSA bank account at the start of the year. For 2026 plan designs like these, that deposit can be around $2,400 per person, which they control and can use toward qualified medical expenses.

Here’s why business owners and self‑employed professionals love this strategy:

Each Medicare‑eligible owner or employee receives a tax‑advantaged deposit (for example, $2,400) into their own MSA, funded by Medicare.

In many designs there is no additional plan premium beyond the normal Medicare Part B premium, so it can be a very cost‑efficient benefit.

Depending on the plan and tax rules, participants may be able to contribute additional personal funds each year, which can be tax‑deductible, grow tax‑deferred, and come out tax‑free when used for qualified medical expenses—very similar to an HSA.

Qualified expenses typically include medical, dental, vision, and prescription costs, as defined by IRS rules, so this can pair nicely with existing HSA balances and ongoing health expenses.

If you already have an HSA from your working years, a Group MSA can be a fantastic way to keep building tax‑favored healthcare dollars in retirement, using Medicare’s own deposit as a starting point and potentially adding your own contributions on top.

For more information call us @ 513-774-9125
Edward Smith Insurance

Call now to connect with business.

Edward Smith Insurance

05/31/2026

05/27/2026

05/27/2026

05/23/2026

05/23/2026

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