Medicare
Receive personalized guidance through Medicare options, including Medicare Advantage (Part C), Supplement (Medigap), and Prescription Drug Plans (Part D), to find coverage that aligns with individual health and budget needs.
Trusted Guidance for Medicare, Health & Life Insurance
Navigating the insurance world can feel overwhelming. That’s why we focus on providing clear, one-on-one guidance — no pressure, no jargon, just honest advice built around what matters most to you.
.webp?width=2000&height=1333&name=Untitled%20design%20(5).webp "Insurance Agent Rich Kalosky inside of an office building with a blurry background")
About Rich Kalosky
An independent licensed insurance agent proudly affiliated with UBG Insurance. For over 5 years, Rich has helped individuals and families make confident decisions about Medicare coverage, life insurance, and health insurance solutions tailored to their unique needs.
Insurance & Financial Solutions
Health
Support is available for selecting the right health insurance, whether for self-employed individuals or families, including dental, vision, and ACA Marketplace plans.
Life
Explore term life, final expense, and whole life coverage designed to protect loved ones and provide peace of mind at every life stage.
Annuities
Access annuity options built for long-term income stability and retirement planning, tailored to complement overall financial goals.
What You Can Expect
Clear
Guidance
Insurance terms and coverage options are explained in clear, straightforward language to support confident decision-making.
Trusted Access
Plans from top-rated insurance carriers are available through a trusted partnership with UBG Insurance.
Ongoing Support
You’re supported before, during, and after enrollment — with personalized, honest service every step of the way.
Nationwide Service
Licensed in 20+ states, helping individuals and families across the U.S. get the coverage and clarity they need.
Let’s Talk
Have questions or need help exploring insurance options? No-cost consultations are available — in person or over the phone, based on what works best for you.
Frequently asked questions
What types of insurance do you help with?
I specialize in Medicare plans (including Advantage, Supplement, and Part D), individual and family health insurance, life insurance, and annuities. I help you compare options and choose what fits your needs best.
Do you charge a fee for your services?
No. My services are provided at no cost to you. I’m a licensed agent and receive compensation from the insurance carriers when I help you enroll in a plan.
Can you help if I’m outside of Ohio?
Yes! I’m licensed in over 20 states across the U.S. If you're not sure whether I can assist in your area, just reach out — I’d be happy to check.
What’s the difference between Medicare Advantage and Medigap?
Medicare Advantage (Part C) plans are all-in-one plans offered by private companies. Medigap (Medicare Supplement) helps cover out-of-pocket costs not covered by Original Medicare. I can walk you through which one may be right for you.
How do I get started?
It’s simple — just schedule a free consultation. We’ll discuss your needs, review plan options, and make sure you feel confident about your coverage decisions.