Medicare
Medicare insurance guidance
Talk through plan types, provider access, prescriptions, costs, and enrollment considerations in plain language.
- Medicare Supplement Insurance
- Medicare Advantage plans
- Medicare prescription drug plans
Services & service area
Insurance guidance built around what you need to protect.
Two Waters helps individuals, families, and businesses understand coverage choices across West Virginia and Ohio. Start with your question and let the right category follow.
Start here
Not sure which type of coverage applies?
A short conversation can help organize the decision before you compare options.
What we offer
A broad range of coverage, explained clearly.
Explore the coverage and practical guidance available through Two Waters. A particular product or plan may depend on location, eligibility, underwriting, and the carriers represented.
Health
Individual, family & group health coverage
Review major medical coverage and supplemental options for yourself, your household, or your organization.
- Individual major medical
- Group major medical
- Short-term health insurance
- Critical illness and accident
- Hospital indemnity
- Dental and vision
Personal
Home, auto & personal protection
Consider the protection around the property, vehicles, and liabilities that are part of everyday life.
- Auto insurance
- Homeowners insurance
- Flood insurance
- Renters insurance
Life
Life insurance
Explore approaches for protecting family, replacing income, and preparing for final expenses.
- Term life
- Whole life
- Final expense insurance
Commercial
Business insurance
Start with your operations, people, property, vehicles, contracts, and liability exposure.
- Business property
- Business liability
- Professional liability
- Commercial auto
- Directors and officers
- Workers’ compensation
Additional help
Practical research & review
Use an experienced agent as a resource for questions that can affect costs, coverage, and next steps.
- Commercial risk assessment
- Prescription drug cost research
- Provider bill review
- Responsive agent access
Where we serve
All of West Virginia and Ohio, with a closer local focus.
Two Waters can assist clients throughout both states by phone or video. Face-to-face service is concentrated across the Mid-Ohio and Kanawha Valleys, including Point Pleasant, Gallipolis, Charleston, Huntington, Parkersburg, Athens, and surrounding communities.
If your county is not listed, you can still ask. The first conversation will confirm whether Two Waters can assist with the particular coverage you need.
Statewide service
- West Virginia
- Phone and video conversations available statewide.
- Ohio
- Phone and video conversations available statewide.
West Virginia local service area
Mid-Ohio and Kanawha Valley counties:
- Mason County
- Jackson County
- Cabell County
- Putnam County
- Kanawha County
- Roane County
- Wirt County
- Wood County
- Ritchie County
- Lincoln County
- Boone County
- Logan County
- Calhoun County
Ohio local service area
Southeastern Ohio and Mid-Ohio Valley counties:
- Gallia County
- Meigs County
- Lawrence County
- Athens County
- Vinton County
- Washington County
- Jackson County
- Scioto County
- Hocking County
- Ross County
- Pike County
Local trust
A real agent when details matter.
Insurance is personal and often time-sensitive. Two Waters is built around direct access to Michael, plain-language explanations, and a no-pressure first conversation.
“You made it painless. You are so genuine and caring, and your honesty is so appreciated.”
— Debbie Yoho, client testimonial
Start with your situation
You do not have to sort through every option alone.
Tell Michael what changed, what you are trying to protect, or what you do not understand yet.