What’s your best Medicare fit? Find out for free

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Licensed insurance agent Scott McEvoy, of HealthMarkets Insurance Agency, provides Medicare guidance at no charge to you. No pressure, no selling, just the support you need. (Photography: Benjamin Margalit)

By Beth Newcomb

This is all I do,” says Scott McEvoy, 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,” he 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,” Scott 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 Scott 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,” he 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,” Scott shares. “It makes sense to review your options to find out if you could be getting more in your Medicare plan, without paying more.”

His 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 Scott is absolutely free, whether that’s during the Medicare election period or any other time throughout the year.

Meet Scott
Scott chuckles when he mentions that he’s instructed all five of his children to live in warm climates so that he and his wife of 13 years, Cathy Kruza-McEvoy, can visit them during the chillier Northeast Ohio months. “Coconuts earn them bonus points,” he laughs.

When Cathy isn’t serving the needs of residents in Medina County as a public service nurse, Scott says they both like to be near or in the water.

HealthMarkets is located at 9551 Vista Way in Garfield Hts. Hours are Monday-Friday, 7 a.m.-7 p.m., evenings and weekends by appointment. To reach Scott McEvoy or a member of his team, call 216-815-1850. Virtual, phone and office appointments are available.

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. 48134-HM-1121