Navigate Medicare with Confidence
Expert guidance for Medicare, Life Insurance, Individual Dental & Vision, Hospital Indemnity, Cancer Coverage, and Healthcare.gov assistance in Northeast Ohio and Western Pennsylvania. We simplify the complex so you can make informed decisions about your health and financial security.
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Our mission
Delivering knowledge, honesty, and a dash of humor to make insurance simple
Services
Comprehensive Insurance Solutions Tailored to You
From Medicare Advantage and Supplements to Life Insurance, Individual Dental & Vision, Hospital Indemnity, Cancer Coverage, and Healthcare.gov assistance, we offer personalized solutions that fit your unique needs. With access to dozens of trusted carriers and plans available for 2026, we find the right coverage at the right price.
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Medicare Solutions
Medicare Advantage, Supplements, Dual Special Needs, and Prescription Drug Plans—explained clearly so you can choose with confidence.
Life & Supplemental Coverage
Life insurance, hospital indemnity, cancer plans, and more—built around your budget and your goals.
Dental, Vision & ACA Help
Individual Dental & Vision options plus Healthcare.gov guidance for individuals and families.
Benefits
Why Choose Onesta!
Your local partner committed to clarity, integrity, and results.
Local Expertise, Personal Service
Based in Northeast Ohio and Western Pennsylvania, serving Trumbull, Mahoning, Columbiana, Ashtabula, Mercer, and Lawrence counties. We meet you face-to-face, by phone, or video—whatever works best for you.
No-Cost, No-Obligation Consultations
Get expert advice without pressure or hidden fees. We're compensated by carriers, so our guidance comes at no cost to you. Your peace of mind is our priority.
Simplified Enrollment Process
Medicare doesn't have to be confusing. We break down your options, compare plans side-by-side, and handle the paperwork so you can focus on what matters—your health.
About Us
About Onesta Insurance Services
Founded by Sophia Davis, Onesta Insurance Services was born from a simple belief: everyone deserves to understand their insurance options without the jargon and confusion. A proud Howland graduate, Sophia is deeply rooted in the Northeast Ohio community she serves. With a background in medical billing and coding, she saw firsthand how overwhelming healthcare decisions can be—and knew she could help.
When she is not helping clients navigate Medicare and insurance, Sophia is spending time with her husband and son. Family is at the heart of everything she does, and that same care and dedication extends to every client she works with. Onesta is woman-owned, community-focused, and proud to be your trusted insurance partner. Coverage that fits like a hug.
Contact Us
Ready to explore your options? Reach out today for a no-cost, no-obligation consultation. We are here Monday through Friday, 9 AM to 6 PM EST.
PLEASE INCLUDE THE BEST PHONE NUMBER TO REACH YOU (AND A GOOD TIME TO CALL) SO WE CAN FOLLOW UP QUICKLY.
FAQ
Here are answers to the most common questions we hear. Still have questions? We are just a call or email away.
For 2026, Medicare has set the following costs for Original Medicare: Part A (Hospital) deductible: $1,736 per benefit period. Skilled Nursing Facility coinsurance: Days 1–20: $0 per day, Days 21–100: $217 per day of each benefit period. Part B (Medical) deductible: $283 per calendar year. Part B coverage: Generally 20% after the deductible is met. Standard Part B premium: $202.90 per month in 2026 (higher-income beneficiaries may pay more based on IRMAA). Higher-income beneficiaries may also pay an additional Part D IRMAA amount on top of their Part D or Medicare Advantage prescription drug plan premium, depending on their 2024 Modified Adjusted Gross Income.
Medicare Advantage plans (Part C) are all-in-one alternatives to Original Medicare, often including prescription drug coverage and extra benefits like dental or vision. Medicare Supplement plans (Medigap) work alongside Original Medicare to help cover out-of-pocket costs like copays and deductibles. The best choice depends on your health needs, budget, and preferred doctors.
Our consultations and enrollment assistance are completely free to you. We are compensated directly by the insurance carriers we represent, so there is no cost or obligation when you work with us. You get expert guidance at no charge.
You can enroll during your Initial Enrollment Period (around your 65th birthday), the Annual Enrollment Period (October 15 - December 7), or during a Special Enrollment Period if you qualify due to life events like moving or losing other coverage. We will help you understand your timeline and options.