Medicare, Health & Life Insurance Solutions in West Virginia
Trusted Independent Insurance Agency Serving West Virginia Residents
Are you a West Virginia resident looking for Medicare coverage, life insurance, or health insurance?
R&D Senior Solutions is an independent insurance agency that helps people throughout West Virginia find the right coverage at the right price.
Why choose an independent Medicare agent?
As an independent insurance agency, we're not tied to any single insurance company. That means we work for you — not the insurance carriers. We compare plans from multiple top-rated providers to find coverage that fits your health needs and budget.
Here’s what makes us different:
✓ Independent & Unbiased – We compare plans from leading insurance companies
✓ West Virginia Expertise – We understand West Virginia's unique insurance landscape and options
✓ No-Cost Consultations – Our guidance is free with no obligation
✓ Ongoing Support – We're here for you after enrollment, not just during the sale
✓ Medicare Specialists – Helping West Virginia seniors navigate Medicare Advantage, Medicare Supplement, and Part D plans
Insurance Solutions for West Virginia Residents
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Turning 65 or new to Medicare? We help West Virginia residents understand their Medicare options and choose between:
Medicare Advantage Plans – All-in-one coverage with extra benefits like dental and vision
Medicare Supplement Plans (Medigap) – Freedom to see any doctor who accepts Medicare
Medicare Part D – Prescription drug coverage tailored to your medications
Dual Special Needs Plans – For those with both Medicare and Medicaid
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Protect your family's financial future with life insurance coverage:
Term Life Insurance – Affordable coverage for 10, 20, or 30 years
Whole Life Insurance – Permanent coverage with cash value
Final Expense Insurance – Cover funeral and burial costs ($5,000–$25,000)
Guaranteed Issue – No medical exam required for ages 50–85
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We also offer:
Individual and family health insurance
Dental and vision coverage
Hospital indemnity insurance
Supplemental health plans
Hi, I’m Ryan Skirvin, owner of R&D Senior Solutions
Along with my wife Denise, we help West Virginia residents navigate the often-confusing world of Medicare, health insurance, and life insurance.
Our mission is simple: provide honest, personalized guidance that puts your needs first.
Whether you're turning 65 and overwhelmed by Medicare options, looking for affordable life insurance, or need health coverage for your family, we're here to help you make informed decisions without pressure or confusion.
We've been helping families since 2012, and we're proud to serve West Virginia residents with the same integrity and care my father taught me when I started in this business.
How We Help West Virginia Residents Find the Right Insurance
Step 1: Free Consultation
We'll discuss your health needs, budget, current coverage, and any questions you have – completely free with no obligation.
Step 2: Compare Your Options
We'll show you plans from multiple insurance companies side-by-side, explaining the differences in plain English so you feel confident in what you’re signing up for.
Step 3: Enroll with Confidence
Once you choose a plan, we handle all the paperwork and make enrollment easy.
Step 4: Ongoing Support
We're here for you after enrollment. Questions about claims? Coverage changes? Just call us.
Questions? We’ve got answers!
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No. Our consultations are completely free. We're paid by insurance companies when you enroll, so there's no cost to you.
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Absolutely! We help West Virginia residents review their current coverage all the time, especially during the Annual Enrollment Period.
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No problem! We work with clients throughout West Virginia by phone and video conferencing.
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That's what we're here for. We'll review your doctors, medications, and healthcare needs to recommend the best option for your situation.
Get Your Free West Virginia Insurance Quote Today!
Don't navigate Medicare and insurance alone! Let R&D Senior Solutions provide the personalized guidance you deserve.