About Summit Senior Insurance
A Local Agent Who Actually Picks Up the Phone
Based in Morgantown, WV — serving real people across West Virginia, Pennsylvania, Maryland, and Ohio.
Michael Ogden
Independent Agent
What We're Here to Do
At Summit Senior Insurance, the mission is simple — make sure every client gets honest, unbiased guidance without the runaround. Too many people end up on hold with 800-numbers, talking to agents who push whatever pays the highest commission. That's not how this works.
As an independent agent, there's no single carrier to answer to. That means the full market gets shopped on your behalf, and the recommendation you get is based on what fits your needs and budget — full stop.
When you call Summit Senior Insurance, you reach a real local agent who knows the carriers available in our region, understands the local healthcare landscape, and is still here when you have questions after enrollment.
What Sets Us Apart
Real Local Access
Call or text 304-216-3152 and reach a real person directly. No hold music, no call centers, no runaround.
Truly Independent
Dozens of carriers are represented, so the plan that fits your needs and budget gets found — not just the one that pays the most.
No Cost to You
Guidance is completely free to you. Insurance carriers compensate agents directly, so you get expert advice at zero extra cost.
Long-Term Relationship
The relationship doesn't end at enrollment. Annual reviews, plan changes, billing questions — your agent is here for the long haul.
Credentials & Licensing
Licensed Insurance Agent
West Virginia, Pennsylvania, Maryland & Ohio
Independent Agent
Not captive to any single carrier — we work for you
Medicare Specialist
Certified to advise on Medicare Advantage, Supplement & Part D
ACA Certified
Marketplace-certified to help with ACA health plans
Proudly Serving
West Virginia
Home state — Morgantown and surrounding counties
Pennsylvania
Southwest PA and border communities
Maryland
Western Maryland region
Ohio
Eastern Ohio communities
Ready to Talk?
No pressure, no sales pitch — just a straightforward conversation about your options.