Health and Life Insurance

Done with you in mind as we change one life one day at a time

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Let us help you make better healthcare decisions.

Medicare AEP runs from October 15th
to December 7th yearly

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Looking for a Medicare Plan?

Medicare can be confusing we are here to help at no cost to you
Make better healthcare decisions with a licensed agent by your side

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Our Job is to make it simple:

Original Medicare – (Do Nothing) 80/20 Split

Medicare Advantage – (Hmo’s Ppo’s) Copays, Networks etc. (Managed Care)

Medicare 101

Medicare is a federal program that provides individuals 65 years or older healthcare coverage at a small cost. Original Medicare coverage is broken into two parts—Part A and Part B. Medicare Part A covers inpatient or hospital stays while Part B covers outpatient or medical care. Together, Part A and B cover 80% of typical healthcare cost seniors face…leaving a significant gaps in coverage.

You are eligible to join Medicare when you are 65 years old or you are under 65 and qualify due to disability or other special situation. You must be a US citizen or legal resident and have lived in the US for at least 5 consecutive years.

Find the best plan at the best price with no obligation to purchase

Testimonials

"On behalf of my insurance agent and advisor Cherita Odums, I would like to share my personal experience and how she has always helped me choose an insurance plan that fits my needs. Ms. Odums is very professional, compassionate and caring. Ms. Odums goes above and beyond and always demonstrates her expertise in health insurance. She displays great knowledge and concerns when it comes to her job. Ms. Odums informs me of different options concerning medication which always benefits me financially. She does an excellent job in taking care of all my concerns and well being. I would like to thank her for her time and patience and let her know I appreciate all of her efforts. Thank you so much .... YOU ROCK"

Alfreda Moore, CEO @ Labib Digital Studio

"Cherita has helped our patients understand Medicare and is their advocate when any issues arise. Medicare can be difficult to navigate, Cherita helps each person find the right path. Our physicians want their patients to have the best patient experience, Cherita is a great resource for the patients of Tandigm practices."

Nancy E. Maiden-Mulvenna, GBA Director Practice Growth And Strategy

“I have had a professional relationship with Cherita Odums since 2010. Though our paths crossed while working for a major Medicare Advantage carrier in Philadelphia, we’ve continued to partner in our efforts to serve the senior community. Cherita has demonstrated a superior knowledge of health and life insurance products. She consistently displays her ability to assess prospects’ needs prior to making the most suitable recommendations. I’ve witnessed her build and maintain mutually beneficial relationships with both senior housing facilities and community centers. I’ve also watched Cherita forge alliances with local politicians, key geriatric medicine providers and Area Agencies on Aging. She has established herself as a dedicated resource for her clients and has been committed to ensuring that they are enrolled in the most appropriate insurance plans. I am convinced that Cherita’s diverse personal and professional background, along with her passion to serve, will make her an exceptional advisor to those shopping for insurance products. I am also certain that you will eventually share my beliefs!”

John A. Cannon Sr., Territory Manager, PA Clover Health

“Cherita has been a great partner with Cigna. Her professional, can do mindset and compliant advisory skills have blended well with Cigna's mission: Help Medicare recipients navigate through the Medicare system with ease and efficiency in order to find the right plan for all of the right reasons. when it come to choosing the right health plan, Cherita and her team of Benefit Advisers will guides their clients to the outcomes that will best meet those clients heathcare needs. It's comforting to know that there are still highly compassionate companies like the O insurance group out there that will always put the clients needs first.”

C. Sylvester Henbron, Broker Sales Representative Cigna Insurance Company.