Expertise in Medicare

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How It All Started

Gregory Seals has been in the insurance market for 25 years, earning the title of Certified Medicare Insurance Planner* (CMIP®) for his experience in the Medicare market. His dedication has kept him actively reaching out to those who might need help. This often meant 200 calls a day for years — Greg has done the hard work!

“I’m a one man show, building my business from the ground up. I can train agents to be a local resource for Medicare information , answer their questions about business, and keep up with the industry because I live it, every day.”

Gregory started Northern Ohio Health & Wellness Benefits, LLC in 2015, growing the business from the ground up. In just 8 years, he’s single – handedly built a team of over 300 agents all over the country while still working in the field every day. This means he’s always up to speed on the industry — and he understand agents.

Gregory has capitalized on his knowledge of the Medicare and financial services markets to create something that is making a difference — for his agents as well as the consumers they serve. He’s also well – versed in the financial sector, working since 2013 as a Financial Advisor with Mass Mutual under the business name Skylight Financial Group

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Meet Our Leader

Gregory Seals is a graduate of The University of Toledo with a degree in Business with a focus in sales and marketing.

After graduating college in 1998, Gregory began his career at John Hancock Financial Network in 1999 focusing in the senior market specializing in Long Term Care insurance. He then obtained his securities licensed in 2000 adding mutual funds, securities and variable annuities for clients. Gregory worked at John Hancock Financial Network for 14 years before becoming a producing Sales Manager with Mass Mutual in 2013. He is also a CRIA (Corporate Registered Investment Advisor), CMIP (Certified Medicare Insurance Planner) with Mass Mutual/MML investors (Broker Dealer), as well as a DBA with Skylight Financial Group.

In 2015, Gregory added Medicare as a client service and started building Northern Ohio Health & Wellness Benefits, LLC. which started out as a NW Ohio captive UnitedHealthcare IMO agency. In 2020, Northern Ohio Health & Wellness Benefits transferred from a captive ICA/IMO agency to EDC/Broker independent agency and Gregory started his FMO partnership with Integrity. Northern Ohio Health & Wellness Benefits now offers 25+ carriers, providing full service financial services and insurance products nationwide serving 200+ agents, 5000+ Medicare members, and 7500+ total clients.

CMIP® and Certified Medicare Insurance Planner™ are owned by the parent company of Certified Medicare Insurance Planner™, DBA, The Life Man LLC, and authorizes the use of by individuals who have met the administration’s initial and ongoing certification requirements. The Federal Government, CMS, and Medicare do not affiliate with or endorse ANY professional designation, which includes the CMIP® designation.

Disclaimers

We do not offer every plan available in your area. Currently we represent 17 organizations which offer 0 - 131 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Not affiliated with or endorsed by Medicare or any government agency. This website is operated by Northern Ohio Health and Wellness Benefits and is not the Health Insurance Marketplace website at HealthCare.gov. This website does not display all Qualified Health Plans available through HealthCare.gov. To see all available Qualified Health Plan options, go to the Health Insurance Marketplace website at HealthCare.gov. Not intended for those eligible for Medicare. You need to be lawfully present in the United States and reside in the plan service area to qualify for medical coverage and/or subsidies. These policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued. This website is operated by Gregory Seals and is not the Health Insurance Marketplace website at HealthCare.gov. This website does not display all Qualified Health Plans available through HealthCare.gov. To see all available Qualified Health Plan options, go to the Health Insurance Marketplace website at HealthCare.gov. Not intended for those eligible for Medicare. You need to be lawfully present in the United States and reside in the plan service area to qualify for medical coverage and/or subsidies. These policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued. Interest and other guarantees in an annuity are subject to the claims-paying ability and financial strength of the insurance carrier that issues the product. Annuities are long-term vehicles. Many have surrender charges over many years, and withdrawals from an annuity prior to age 59 ½ may be subject to a 10% tax penalty. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. A policy owner does not have the ability to make unlimited payments into the policy. If too much is paid into the policy, it will become a Modified Endowment Contract (MEC) and withdrawals and loans will be taxable. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company. There are multiple ways to insure for long-term care needs. Options vary and some are less expensive than others, but may offer fewer guarantees. A financial professional can work with you to determine what coverage is right for you and how much coverage you should purchase. Health insurance doesn’t cover long-term care expenses. Medicare will cover some long-term care costs, but only up to 100 days (after a 3-consecutive-day stay in a hospital under treatment). Medicaid will cover long-term care expenses for individuals with assets of $2,000 or less (varies by state) and covered care may be limited to a nursing home. Paying for long-term care costs out of pocket may not be practical or cost-efficient for many people. When choosing a life product, make sure that life insurance needs are met long-term, especially if personal situations change — for example, marriage, birth of a child or job promotion. Weigh the costs of the policy, and understand that life insurance, and long-term care coverage linked to life insurance through riders, has fees and charges that vary with sex, health, age and tobacco use. Riders that customize a policy to fit individual needs typically carry an additional charge. The payment of long-term care rider benefits, as an acceleration of the death benefit, will reduce both the death benefit and cash surrender values of the life policy. Additionally, policy loans and withdrawals will also reduce both the cash value and the death benefit. Care should be taken to make sure that life insurance needs continue to be met even if the rider pays out in full, or after money is taken from the life policy. There is no guarantee that a rider will cover the entire cost for all of the insured’s long-term care, as this may vary with the needs of each insured. Final expense life insurance can be used by the beneficiary designated as needed rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.