Licensed insurance agents Kathy Carvin and Matthew Carvin with HealthMarkets Insurance Agency can help you sort through your Medicare plan options

By Beth Newcomb

For those who will be participating in the Medicare Annual Enrollment Period, which this year runs from Sunday, October 15, until Thursday, December 7, your Annual Notice of Change (ANOC) may have provided some information regarding the costs associated with your current Medicare plan and any changes for 2024. Because Medicare plans can change, there may be a possibility, says Kathy Carvin, a licensed insurance agent with HealthMarkets Insurance Agency who works as a team with her son, licensed insurance agent Matthew Carvin, that your plan could offer different coverage for 2024.

“Since plans and costs can change each year, I believe it’s important to review and understand your current plan to ensure it meets your needs for 2024,” Kathy says. Matthew adds that it’s part of their personal service model to meet with clients one-on-one to help them understand what their current plan offers them, whether it’s still going to meet their needs moving forward, and whether there are any cost increases associated with having that plan.

“With each of our clients, we dive into the details of Medicare,” he shares. “The first is prescriptions. We’ll help you ensure your medications are covered and that the cost of your prescriptions meets your budget. Then we’ll talk about your provider network. We’ll help you choose a plan that includes your doctors and hospital. Finally, we’ll discuss what your plan covers, and any costs associated with the plan.”

“As licensed insurance agents, we want to help guide you through the Medicare Advantage enrollment process and help you find a plan that fits your needs,” Kathy says.

Aside from helping you with your Medicare options, there is a component to the process that only Matthew and Kathy can offer—their friendship.

“Our focus is on the people we help,” Kathy emphasizes. “This isn’t a transactional relationship. This is about helping people. We can work with you. We’re a resource. We’re available to you throughout the year, not just during the enrollment period.”

Matthew says some clients struggle during the year to understand their plan details. He says they’re happy to help clarify things.

“Medicare can be complicated or difficult to understand,” Kathy inserts. “You might feel like pulling your hair out. We’re here to make things easier—and to provide guidance.”

Kathy Carvin and Matthew Carvin, licensed insurance agents with HealthMarkets Insurance Agency, have offices at 10512 Northfield Road, in Northfield, and 4679 Great Northern Blvd, in North Olmsted. Call 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. 50295-HM-1023