Let HealthMarkets Agent, Kathy Carvin, help find the best fit for your Medicare needs
By Beth Newcomb
This is all I do,” says Kathy Carvin, a licensed insurance agent with HealthMarkets Insurance Agency. “I spend countless hours learning about Medicare changes every year. In fact, I get freshly certified prior to each annual election period. And because HealthMarkets is an independent agency, agents aren’t beholden to any one insurance company and have access to hundreds of different carriers in our area.”
“Some people need to save money on prescriptions, others need certain doctors or a certain hospital system,” she says. “My focus is to find out what matters most to you, what your budget looks like, and then match you with options that meet those criteria for you to choose from.”
“There is always a ‘best fit’ for each person,” Kathy continues. “And your best fit might not be the same as your spouse, or your neighbor, or your friend. That’s why a review is so important. Every year, there are tweaks to different plans, new plans introduced, and some plans eliminated. It’s important to find out if the plan you had last year is still the best fit for you this year—or if making a change would serve you better.”
This year’s Medicare election period runs now until Tuesday, December 7. Everyone on Medicare either continues with their current plan into the next election period or makes the switch to a plan that better meets their changing needs. And if you’re a new 65 or you’ll be turning 65 in the next three months, you’ll be choosing a Medicare plan for the first time.
Wherever you fall on the Medicare spectrum, you may be feeling unsure about which plan is best for you.
A free review with Kathy takes about an hour. During that time your personal situation, including medications, doctors, budget and more, will be explored.
“I want to make sure you get all of the benefits you’re entitled to,” she insists. “Certainly the goal for most people is to save money, but the goal can also be to get more benefits without having to pay more. There are many plans that may include benefits not previously included. That’s why a review is so important.”
The Competition is Fierce
Medicare plan providers want your business. It’s that simple. Medicare carriers may compete with benefits depending on the availability in your area and it’s best to compare your options.
“We’re seeing plans with more benefits added,” Kathy shares. “It makes sense to review your options to find out if you could be getting more in your Medicare plan, without paying more.”
Her Guidance is Free
Because HealthMarkets agents aren’t captive, they direct their efforts toward clients, helping them to navigate the sometimes-baffling waters of Medicare. And the cost for a one-on-one review and guidance? Nothing. All time spent with Kathy is absolutely free, whether that’s during the Medicare election period or any other time throughout the year.
Meet Kathy
Kathy lives on the shores of Lake Erie in Cleveland and spends some of her free time discussing her latest read as a member of a book club, or out on the golf course.
As the proud single mom of two boys, Matthew and Turner, who are both grown and out of the nest, Kathy spends her downtime with her rescue dog, Princess Guinness, and volunteers at the Cleveland Animal Protective League.
Kathy Carvin has offices at 10512 Northfield Road, in Northfield, and 28881 Lorain Road, in North Olmsted. She serves all of Northeast Ohio including Lake County. You can schedule a time to meet with her in the office, your home, or via video chat by calling 216-375-5902.
HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and the District of Columbia. Not all agents are licensed to sell all products. Service and product availability varies by state. Agents may be compensated based on enrollment. No obligation to enroll. 48133-HM-1121