scottmcevoy

Can you pay less for Parts B & D?

Fri, 10 Apr 2026 18:15:09 GMT

If your income is above a certain threshhold, you may be required to pay higher Medicare Part B and/or Part D premiums.

Is it possible to lower your Medicare Part B or Part D premium? In some situations, the answer may be yes.

If your income is above a certain threshhold, you may be required to pay higher Medicare Part B and/or Part D premiums.

The Social Security Administration (SSA) determines if you owe an Income-Related Monthly Adjustment Amount (IRMAA) or not. The determination is based on the income you reported on your IRS tax return two years prior.

In some cases, you may request that Social Security revisit its decision if you are paying a higher premium due to IRMAA and have experienced a qualifying life‑changing event, such as the death of a spouse, marriage, divorce, a spouse stopping work or working fewer hours. Social Security may reconsider its determination and any change is determined by Social Security and is not guaranteed.

If you don’t qualify for a premium adjustment based on a life-changing event but disagree with Social Security’s determination, you have the right to file an appeal. All appeals and final decisions are made by the SSA and are not guaranteed.

If you aren’t sure how to go about requesting a new initial determination, or you aren’t sure if you qualify, give me a call to set up a time for us to meet and I can explain the process. As always, there is no charge for my guidance.

HealthMarkets Insurance Agency is located at 9551 Vista Way in Garfield Hts. To reach Scott McEvoy or a member of his team, call 216-815-1850 . Virtual, phone and office appointments are available.

This article provides general information about Medicare Part B and Part D premiums and IRMAA. All determinations and appeals are made by the Social Security Administration.

HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability may vary by state. Agents may be compensated based on enrollment. No obligation to enroll. 53119-HM-0426.

Do you remember April 1979?

Fri, 10 Apr 2026 18:13:34 GMT

If you attended high school in 1979, you are likely nearing age 65, the point when you will start making decisions about your Medicare options.

To learn more about your options, give me a call to schedule a no-cost, no-obligation informational meeting.

In the meantime, enjoy recalling these memories from April 1979:

Top 5 Singles – April 14, 1979

#1 “What a Fool Believes” – The Doobie Brothers

#2 “I Will Survive” – Gloria Gaynor

#3 “Knock on Wood” – Amii Stewart

#4 “Sultans of Swing” – Dire Straits

#5 “Music Box Dancer”– Frank Mills

Top-Grossing Movie Week of April 11

“The China Syndrome”

April 1979 Events

Iran’s government became an Islamic Republic, after approval of the abolition of the monarchy by 98 percent of voters.
The extreme sport of bungee jumping was first performed by two Oxford University students, David Kirke and Simon Keeling. The sport was inspired by the “vine jumping” practiced as part of the culture of the Ni-Vanuatu people in the South Pacific. The pair brought the sport (and the term “bungee jumpers”) to the United States later in the year when they jumped off the Golden Gate Bridge in San Francisco. They were arrested by the California Highway Patrol.
Dale Earnhardt recorded his first career NASCAR victory at the 1979 Southeastern 500 at Bristol Motor Speedway. He went on to win 76 races and seven championships in his career.
The cable TV network Nickelodeon debuted on Warner Cable TV systems throughout the United States.
A direct telephone link was activated between the offices of the Prime Minister of Israel, Menachem Begin, and the President of Egypt, Anwar Sadat.
The Australian film “Mad Max,” which inspired a host of post-apocalyptic sci-fi action films and propelled U.S.-born and Australian-raised actor Mel Gibson to international fame, was first released, premiering in cinemas in Australia.
The Voyager 1 space probe, launched from the U.S. by NASA in 1977, concluded its observations of the planet Jupiter, and its course was realigned to send the probe onward toward the planet Saturn, where it arrived in 1980.
The Vietnam Veterans Memorial Fund was created as a non-profit organization with the goal of raising funds for the construction of what would become the Vietnam Veterans Memorial in Washington, D.C.
Ozzy Osbourne was fired from the heavy metal band Black Sabbath for his unreliability related to substance abuse, and went on to greater success in a solo career.

—Source: Wikipedia

HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. 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. 53102-HM-0326

You're Invited!

You’re invited to schedule a no-cost, no-obligation informational meeting to discuss your Medicare options. Call Scott McEvoy, Licensed Insurance Agent, at (216) 815-1850 or email him at Scott.McEvoy@HealthMarkets.com . Consultation at no cost to you.

A way to spend your refund

Wed, 11 Mar 2026 15:04:20 GMT

Life insurance is protection.

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Do you remember March 1979?

Wed, 11 Mar 2026 15:02:28 GMT

If you attended high school in 1979, you are likely nearing age 65, the point when you will start making decisions about your Medicare options.

To learn more about your options, give me a call to schedule a no-cost, no-obligation informational meeting.

In the meantime, enjoy recalling these memories from March 1979:

Top 5 Singles – March 17, 1979

#1 “I Will Survive” – Gloria Gaynor

#2 “Tragedy” – Bee Gees

#3 “Da Ya Think I’m Sexy” – Rod Stewart

#4 “Heaven Knows” – Donna Summer with Brooklyn Dreams

#5 “Shake Your Groove Thing” – Peaches and Herb

Top-Grossing Movie Week of March 14

“Superman”

March 1979 Events

“Sweeney Todd: The Demon Barber of Fleet Street,” a macabre Broadway musical about a murderous barber, with music and lyrics by Stephen Sondheim, made its debut.
The film “Norma Rae,” based on a true story about labor union activist Crystal Lee Sutton, had its premiere, starring Sally Field in the title role.
Voyager 1 made its closest approach to Jupiter, coming within 172,000 miles of the largest planet in the Solar System.
The Dutch electronics corporation Philips publicly demonstrated a prototype of what would become known as a “CD,” a compact disc that stores digital audio.
Mello Yello was introduced by The Coca-Cola Company as a caffeinated, citrus-flavored soft drink to compete with PepsiCo’s Mountain Dew.
C-SPAN, the Cable-Satellite Public Affairs Network, went on the air with a live broadcast of a session of the U.S. House of Representatives, starting with a speech by then-Congressman Al Gore.
Anthropologist Mary Leakey announced the earliest known evidence, up to that time, of bipedalism in hominids, based on the discovery of two pairs of footprints left in hardened volcanic ash.
Israel’s parliament, the Knesset, voted 95 to 18 to authorize Prime Minister Menachem Begin to sign the negotiated peace treaty with Egypt.
The first fully functional Space Shuttle orbiter, Columbia, was delivered to the Kennedy Space Center, arriving on the Shuttle Carrier Aircraft, to be prepared for its first launch.
Michigan State University, led by Earvin “Magic” Johnson, defeated Indiana State, led by Larry Bird, 75-64, to win the NCAA basketball championship.
America’s most serious nuclear power plant accident occurred at Three Mile Island, with a partial meltdown and destruction of the TMI-2, one of the nuclear reactors at the plant.

—Source: Wikipedia

HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. 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. 53060-HM-0226

Let’s review your healthcare

Wed, 11 Feb 2026 18:21:51 GMT

HealthMarkets Insurance Agency offers health care options from numerous different recognized carriers, and we’ve helped thousands of people choose health care options that best represents their individual and family needs.

Have you ever noticed that when you ask a prospective new dentist if he or she accepts your insurance, they almost always say, yes?

Yes, they may accept your insurance. But if they aren’t in your insurance network, they will also send you a bill for the amount that exceeds what your insurance company will pay. And if they’re out of your insurance network, the amount of reimbursement will likely be less, so you’re paying even more.

The correct way to query is to ask any potential new dentist is if he or she is in network. The other possible dental insurance hiccup is that your service provider is no longer in your dental network. It’s important to keep tabs on that, too.

When you schedule a time to meet with me, I’ll review your entire healthcare situation, including your current providers, starting with primary coverage all the way down to dental and vision care. Is there cancer coverage or other supplemental policy that might make sense in your personal mix? If you’d like, I can provide information so you have what you need to help you make an informed decision.

The best part is, my guidance is available at no cost to you, and there is no time constraint in which to have your review performed. I look forward to hearing from you.

Do you remember February 1979?

Wed, 11 Feb 2026 18:20:17 GMT

If you attended high school in 1979, you are likely nearing age 65, the point when you will start making decisions about your Medicare options.

To learn more about your options, give me a call to schedule a no-cost, no-obligation informational meeting.

In the meantime, enjoy recalling these memories from February 1979:

Top 5 Singles – February 17, 1979

#1 “Da Ya Think I’m Sexy” – Rod Stewart

#2 “Y.M.C.A.” – The Village People

#3 “A Little More Love” – Olivia Newton-John

#4 “Fire” – The Pointer Sisters

#5 “I Will Survive” – Gloria Gaynor

Top-Grossing Movie Week of February 14

“The Warriors”

February 1979 Events

Patty Hearst was released from federal prison after President Jimmy Carter commuted her sentence.
The Ayatollah Ruhollah Khomeini returned to Iran after nearly 15 years in exile, and the next day, formed the Council of the Islamic Revolution.
The Canadian sketch comedy series “You Can’t Do That on Television,” which would later become Nickelodeon’s first successful TV series, premiered on CTV Television Network.
The street gang adventure film “The Warriors,” released nationwide in the United States by Paramount Pictures, had the unexpected consequence of inspiring incidents of violence between rival gangs at American cinemas.
IBM introduced the IBM 6670, the first American laser printer and scanner for businesses. It could transmit and receive data to and from other IBM computers and print 36 pages per minute.
he 1979 Daytona 500 was televised on CBS, marking the first live U.S. broadcast of a 500-mile stock car race and bringing NASCAR racing to a wider audience. In a dramatic finish, Richard Petty won the race after leaders Cale Yarborough and Donnie Allison collided on the final lap.
For the first time, the U.S. House of Representatives began televising its sessions live, initially on a closed-circuit network to TV sets in the offices of Congressional representatives, as a means of transmitting the broadcasts at any time and at no charge to U.S. television networks. The system would begin transmission the next month on cable TV through the Cable-Satellite Public Affairs Network, or C-SPAN.
Days after receiving nine Academy Award nominations, “The Deer Hunter,” a film about three Vietnam War veterans, was released across the United States.
The annual Mardi Gras celebration in New Orleans was canceled due to a strike by the New Orleans Police Department.

—Source: Wikipedia

HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. 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. 53013-HM-0126

Can I make a Medicare change?

Wed, 14 Jan 2026 15:54:51 GMT

If your life has taken a turn that’s a little different than you’d anticipated, let me give you a little assurance when it comes to your Medicare plan. Scott McEvoy can help.

Sometimes the life we expected to be living changes, and that can cause unecessary stress. When it comes to Medicare, the last thing anyone wants to do is worry.

If your life has taken a turn that’s a little different than you’d anticipated, let me give you a little assurance when it comes to your Medicare plan. I can help.

Maybe you had to make a move and aren’t located near your doctors or preferred hospital anymore. Maybe there are plan options available in your new area that weren’t offered where you used to live.

Did you leave employer or union healthcare coverage? Did you involuntarily lose medication coverage? Maybe something changed within your plan that just isn’t going to work for you anymore. The good news is you may have the opportunity to make a correction during a Medicare Special Enrollment Period.

Also, if you sign up for Part A or Part B during a Special Enrollment Period because of an exceptional situation (like a natural disaster or emergency), you’ll have two months to join a Medicare Advantage Plan (with or without drug coverage) or a Medicare drug plan (Part D). Your coverage will start the first day of the month after the plan gets your request to join.

If you’re unsure about whether or not your plan is functioning as it should for you, or if you’ve had a life event that’s made things look a bit different, I can do a review to ensure you’re where you need to be with Medicare. Simply give me a call, my guidance is available at no cost to you.

Do you remember January 1979?

Wed, 14 Jan 2026 15:51:29 GMT

If you attended high school in 1979, you are likely nearing age 65, the point when you will start making decisions about your Medicare options.

To learn more about your options, give me a call to schedule a no-cost, no-obligation informational meeting.

In the meantime, enjoy recalling these memories from January 1979:

Top 5 Singles – January 13, 1979
#1 “Too Much Heaven” – The Bee Gees

#2 “Le Freak” – Chic

#3 “My Life” – Billy Joel

#4 “You Don’t Bring Me Flowers” – Barbra Streisand and Neil Diamond

#5 “Hold the Line” – Toto

Top-Grossing Movie Week of January 17

“Superman”

January 1979 Events

• The University of Alabama Crimson Tide, the second-ranked team in American college football, defeated the #1-ranked Penn State Nittany Lions, 14-7, in the Sugar Bowl in New Orleans, in a rare #1 vs. #2 postseason matchup.

• Earl Campbell, a Houston Oilers running back, is chosen both Rookie of the Year and Most Valuable Player in the American Football Conference by the Sporting News, a weekly publication. He was the first player to win both awards since Jim Brown of Cleveland in 1957.

• The state of Ohio agreed to pay $675,000 to the families of four people killed and nine wounded by the Ohio National Guard during the Kent State shootings on May 4, 1970.

• By a 70% majority, voters in Greenland opted for home rule on their domestic affairs, while remaining part of the Kingdom of Denmark. At the time, Greenland had about 50,000 inhabitants.

• “The Four Seasons,” a ballet choreographed by Jerome Robbins from three Giuseppe Verdi operas, was performed for the first time at the Lincoln Center by the New York City Ballet company.

•The Pittsburgh Steelers defeated the Dallas Cowboys 35-31 at Miami’s Orange Bowl in Super Bowl XIII.

• The popular rural U.S. TV comedy “The Dukes of Hazzard” debuted on CBS. Critics were generally negative, with one calling it “the most socially irresponsible series to hit the air in recent memory” and another commenting, “CBS stoops pretty low tonight with the premiere of a dog called ‘Dukes of Hazzard’... It’s a casebook example of what’s wrong with network programming.”

• The long-running program “CBS News Sunday Morning,” a 90-minute show that emphasized gentle feature stories rather than breaking news, premiered with Charles Kuralt as the host. Kuralt would be succeeded in 1994 by Charles Osgood, who, in turn, would retire in favor of the current host, Jane Pauley.

—Source: Wikipedia

Local support for ACA choices

Fri, 12 Dec 2025 22:24:42 GMT

Choosing a healthcare plan under the Affordable Care Act (ACA) is a personal decision, and your choice needs to reflect your unique situation. I offer one-on-one consultations and take the time to explain the different plan options to you.

Open Enrollment for a plan under the ACA is now until Monday, December 15, for a January 1 effective date.

With changes to the ACA happening every year, you might be wondering if your eligibility for a premium tax credit still exists, or you’re wondering about the right steps to take to apply your premium tax credit and any applicable deadlines. I can help you understand your eligibility and help you receive the financial support available to you. Premium tax credits can represent significant cost savings and you’ll want to make sure you can take advantage of any available opportunities.

2026 Changes

Typically, the ACA market is host to an annual slew of changes, and 2026 is no exception. Here is a list of some of the changes (Source: cms.gov/newsroom/fact-sheets/hhs-notice-benefit-and-payment-parameters-2026-final-rule) you might expect to see applied to your plan of choice:

Monthly plan costs could increase due to changing market conditions and adjustments to premium tax credits.
Annual income must be verified.
Coverage must be renewed during Open Enrollment to keep any federal financial support.

As always, my guidance is available at no cost to you. I look forward to hearing from you.

HealthMarkets Insurance Agency is located at 9551 Vista Way in Garfield Hts. To reach Scott McEvoy or a member of his team, call 216-480-1385 . Virtual, phone and office appointments are available.

Do you remember December 1978?

Fri, 12 Dec 2025 22:13:44 GMT

If you attended high school in 1978, you are likely nearing age 65, the point when you will start making decisions about your Medicare options.

To learn more about your options, give me a call to schedule a no-cost, no-obligation informational meeting.

In the meantime, enjoy recalling these memories from December 1978:

Top 5 Singles – December 16, 1978

#1 “You Don’t Bring Me Flowers” – Barbra Streisand and Neil Diamond

#2 “Le Freak” – Chic

#3 “Too Much Heaven” – The Bee Gees

#4 “I Just Wanna Stop” – Gino Vannelli

#5 “My Life” – Billy Joel

Top-Grossing Movie Week of December 13

“Midnight Express”

December 1978 Events

The Women’s Professional Basketball League (WBL), the first U.S. pro basketball league for women, played its first game. At Milwaukee Arena in Wisconsin, the Chicago Hustle defeated the Milwaukee Does, 92-87.
The feature film “Superman,” directed by Richard Donner and featuring a relatively unknown actor, Christopher Reeve, in the title role, had its world premiere at the John F. Kennedy Center for the Performing Arts in Washington D.C.
“Richard Pryor: Live in Concert,” the first full-length feature movie consisting of only stand-up comedy, was recorded during a single performance by the comedian at the Terrace Theater in Long Beach, California.
The first Susan B. Anthony dollar in the U.S. was produced, being struck by the Philadelphia Mint. The coins would not be released until July 2 of the following year.
The LaserDisc, the first commercial optical disc storage medium and a precursor to the DVD, went on sale. It was introduced at stores in Atlanta, and marketed in the U.S. under the name MCA DiscoVision, designed to play on the Magnavision videodisc player manufactured by the Magnavox company.
Cleveland became the first major U.S. city to go into default on its financial obligations, as the December 15 deadline to arrange for payment of $15.5 million in loans expired without the City Council agreeing upon a means of paying on its debts to six Cleveland banks.
The career of Ohio State University football coach Woody Hayes came to an end after 28 seasons and five NCAA national championships, when Hayes punched a player in the closing minutes of the 1978 Gator Bowl in Jacksonville, Florida. The game between Ohio State and Clemson University was televised across the United States. Hayes was fired the next day.

—Source: Wikipedia

MEDICARE 2026 YOUR OPTIONS YOUR CHOICE

Thu, 20 Nov 2025 02:32:40 GMT

When it comes to Medicare, you get to decide who supports your journey.

One of the best parts about being an adult is having the ability to make your own decisions. We all have that ability, but the chance to apply it to important aspects of your life—and then put those decisions into motion—is truly meaningful.

Sometimes, we don’t even realize the choices available to us. One area where this matters is Medicare. Did you know you have options when it comes to enrolling? You can visit Medicare.gov

or work with a licensed insurance agent who understands the process and can help guide you through it. In fact, you can choose someone right here in Northeast Ohio.

There are many paths you can take when looking for support. The best part is that you can decide who you’d like to help you navigate your Medicare decisions for 2026. Consider working with someone who dedicates their time to understanding Medicare changes year after year. Someone who is not affiliated with any specific plan or carrier, and someone who is a licensed insurance agent focused on helping you make informed choices based on your individual needs.

The Annual Enrollment Period for Medicare runs from Wednesday, October 15, through Sunday, December 7. During this time, Medicare beneficiaries can review and make changes to their healthcare coverage for 2026. This includes options such as Medicare Advantage plans, Prescription Drug Plans, and Original Medicare.

If you’re not sure whom to turn to, or where to begin, consider Scott McEvoy, a licensed insurance agent with HealthMarkets Insurance Agency.

“Everyone who participates in Medicare is free to make their own choices,” assures Scott. “Beneficiaries have the option to make their Medicare plan selections independently, or they can tap into the knowledge base of someone like me, who has spent part of the year reviewing the changes coming to Medicare in 2026. My focus for each person I support through the process is his or her individual needs. Even husbands and wives need to be treated as individuals, because no two situations are alike.”

“Getting help from someone who is focused on your particular situation is of such great value,” Scott adds. “Until you try to navigate all the details on your own, it’s hard to appreciate how important help can be.”

Scott suggests calling his office to make an easy, informative appointment to meet with him or a member of his team. “That’s where many of my clients like to begin,” he says. “It can be overwhelming to sift through the many Medicare options available. When you schedule a time to meet with me or someone on my team, we’ll provide information about important changes and available plans to help you find coverage that best suits your needs.”

Medicare can be complex. Some individuals may feel confident navigating it on their own, while others may benefit from guidance. Meeting with a licensed insurance agent can help ensure your choices are based on your personal situation.

Scott says some people choose to review their options without his guidance because they’re afraid it’s going to cost them more to come to him, but that simply isn’t the case. “There is absolutely no cost for my help, and the comfort of reviewing options that make sense for you with support can be valuable,” he says.

Being Local Matters

Having a local licensed insurance agent like Scott or a member of his team can be a helpful resource when reviewing your Medicare options. Because they’re located in Northeast Ohio, they may be familiar with local hospital systems, provider networks, and how plan choices could affect your access to care.

Scott and his team, including his wife Cathy, are available to discuss your individual needs and help you explore plan options. Personalized support from a licensed agent can offer clarity that automated systems may not provide.

GO LOCAL

Thu, 20 Nov 2025 02:30:22 GMT

Local guidance available at no cost can be invaluable when it comes to selecting an ACA plan for 2026.

For anyone sourcing health insurance via the Affordable Care Act (ACA) marketplace, narrowing down the choices and then picking one that makes sense for you and perhaps your family can be confusing. Do you choose a plan based on cost? Do you pick based on hospitals and doctors? Is there an option to incorporate both a budget-friendly plan and one that meets your personal health needs?

Having a local licensed insurance agent in your corner like Scott McEvoy, of HealthMarkets Insurance Agency , or a member of his team can be a helpful resource.

Because they’re located in Northeast Ohio, they may be familiar with local hospital systems, provider networks and how plan choices could affect your access to care. “Rather than trying to decipher your options via a national call center or online portal, we’re right here in your area,” Scott says. “We understand this region and know the local healthcare providers and hospital networks that may be exclusive to Northeast Ohio. Because we’re so deeply enmeshed with the local community, we can provide options for you to consider that ensure your coverage needs fit your lifestyle and healthcare requirements.”

Open Enrollment for a plan under the ACA happens Saturday, November 1 until Monday, December 15 for a January 1 effective date.

It’s Personal

Choosing a healthcare plan under the ACA is a personal decision and your choice needs to reflect your unique situation. No matter what your personal needs are, whether individual or family, Scott or a member of his team offer one-on-one consultations and take the time to explain the different plan options to you.

“People appreciate the personal attention they get from us,” Scott explains. “You can certainly go it alone, but why would you when you have someone in your corner who understands insurance coverage?”

Scott or one of his team members can help you compare the options that make the most sense to you, whether that includes plans with low deductibles, a wide network of doctors, plans with affordable prescription drug coverage, or a combination of all three.

Are Subsidies Still a Thing?

With changes to the ACA happening every year, you might be wondering if your eligibility for a subsidy still exists, or you’re wondering about the right steps to take to apply for your subsidy and any applicable deadlines. Scott or a member of his team can help you to understand your eligibility and ensure you receive the financial support available to you.

“Subsidies can represent significant cost savings, so we’ll help to ensure you don’t miss out on any opportunities,” Scott says.

2026 Changes

• Monthly plan costs could increase due to changing market conditions and adjustments to premium tax credits.

• Annual income must be verified.

• Coverage must be renewed during Open Enrollment to keep any federal financial support.

Ongoing Support

Once you’ve selected your healthcare plan for 2026, you can comfortably navigate the year ahead. However, because Scott and his team handle a variety of health insurance plans, you can turn to one of them for guidance anytime throughout the year. If you encounter any issues with your ACA plan, such as with billing, or your healthcare needs change, Scott or a member of his team is available to help make sure you have the necessary support.

WHAT DOES YOUR PLAN COVER?

Thu, 20 Nov 2025 02:27:37 GMT

Schedule your policy review with Scott McEvoy of HealthMarkets Insurance Agency .

Now that you’re fully immersed in the new year, it’s a good time to turn your attention to the health insurance coverage you chose for 2025. Have any of your life circumstances changed? Do you know what your plan covers? Are you missing any coverage options you may not have thought about when you made your selection?

Many of the people I do a complimentary review for are surprised to find out they may have insurance benefits in their healthcare policy they’re paying for but are not using.

Simply put, they don’t know what their plan covers.

For example, they may have coverage for over-the-counter medication but have no idea they may be able to get reimbursed for those purchases.

Or, they may have gotten a new job with an increased salary, gotten married, or had a minor child become an adult, making them eligible to obtain their own health insurance. All these scenarios can impact the way you pay for and use your benefits. Are you lacking in certain areas that may be important to your individual situation?

It can be a prudent move to sit down with me so I can review your current standing.

When we meet, I’ll help to uncover the benefits you have coming to you under your plan, and help you understand how best to utilize them. And the best part is, there is no charge for my guidance.

I’ll also look at your complete coverage situation. If you have a life insurance policy, for example, I’ll help you determine your needs and budget to ensure you have the right coverage for you and your family.

DO YOU REMEMBER JULY 1978?

Wed, 16 Jul 2025 15:04:52 GMT

Call Scott McEvoy to discuss your Medicare options.

If you attended high school in 1978, you are likely nearing age 65, the point at which you will start making decisions about your Medicare options.

To learn more about your options, give me a call to schedule a no-cost, no-obligation informational meeting.

In the meantime, enjoy recalling these memories from July 1978:

Top 5 Singles – July 19, 1978

#1 “Shadow Dancing” – Andy Gibb

#2 “Baker Street” – Gerry Rafferty

#3 “Miss You” – Rolling Stones

#4 “Still the Same” – Bob Seger and the Silver Bullet Band

#5 “Last Dance” – Donna Summer

Top-Grossing Movie Week of July 19

“Grease”

July 1978 Events

The first Texxas Jam rock festival was held at the Cotton Bowl stadium in Dallas, and featured such artists as Ted Nugent, Aerosmith, Journey, the Atlanta Rhythm Section, Heart, and comedians Cheech & Chong.
By a vote of 5-4, the U.S. Supreme Court upheld the right of the Federal Communications Commission (FCC) to ban profane language from radio and television broadcast from within the United States, holding that the right of free speech guaranteed in the First Amendment of the U.S. Constitution did not include the right to use “indecent language” in broadcasts.
U.S. Patent No. 4098260-A was awarded to inventor William Goettl for designing the first solar thermal collector.
What has been described as “the first recorded hip-hop song”, “Enterprise” was released as part of the 41 songs on the album “Runaways.”
Entertainment and Sports Programming, Inc., was incorporated in the U.S. state of Connecticut for a fee of $91, with a stated purpose of creating a cable television network for sports telecasts. The network was launched on September 7, 1979, as ESPN.
Lee Iacocca was fired from his job as the president of the Ford Motor Company by the Board of Directors, after clashing with Henry Ford II, the CEO and grandson of the founder. Iacocca was soon hired as the president of the ailing Chrysler Corporation, the third-largest U.S. automaker after General Motors and Ford Motor, and turn Chrysler into a profitable company.
The divorce of Princess Margaret, sister of Queen Elizabeth II of the United Kingdom, from Antony Armstrong-Jones, became final 18 years after they had married, and marked the first royal divorce since 1901.
Louise Brown became the first human being to be born after conception through in vitro fertilization (IVF), and the original “test tube baby.”

—Source: Wikipedia

WHAT HAPPENS IF YOU GET INJURED?

Wed, 16 Jul 2025 15:03:15 GMT

In the event your are unable to work, how would you manage your expenses?

Life can take an unexpected turn at any time, and may be unsettling if you’re the primary breadwinner. In the event your are unable to work, how would you manage your expenses?

Managing regular expenses and medical bills can be challenging without a steady income.

Disability insurance can help provide a financial safety net if an illness or injury prevents you from working, potentially replacing a portion of your income.

This coverage can be very helpful for covering expenses and maintaining financial stability.

Putting a plan in place to cover a portion of your income when you can’t work, helping you pay for essentials like a mortgage, utilities and groceries, can make good sense. If you’re the primary breadwinner, disability insurance helps to ensure you can continue to meet your family’s needs if you’re unable to work.

Coverage options with disability insurance can include both workplace-related and non-workplace-related injuries, and there are different policy terms available, including short-term for a limited period or long-term for an extended duration.

If you have dependents, a pre-existing condition, or a high-risk occupation, disability insurance might be a good fit.

As always, my guidance is available at no cost to you.

DO YOU REMEMBER JUNE 1978?

Tue, 10 Jun 2025 13:31:46 GMT

If you attended high school in 1978, you are likely nearing age 65, the point at which you will start making decisions about your Medicare options.

To learn more about your options, give me a call to schedule a no-cost, no-obligation informational meeting.

In the meantime, enjoy recalling these memories from June 1978:

Top 5 Singles – June 17, 1978

#1 “Shadow Dancing” – Andy Gibb

#2 “You’re the One That I Want” – John Travolta and Olivia Newton-John

#3 “Baker Street” – Gerry Rafferty

#4 “It’s a Heartache” – Bonnie Tyler

#5 “Too Much, Too Little, Too Late” – Johnny Mathis / Denise Williams

Top-Grossing Movie Week of June 14

“Damien: Omen II”

June 1978 Events

• The CyberVision 2001 home computer was introduced, appearing in select Montgomery Ward department stores, and billed as being “programmed to talk...play games, teach math, or help with your tax return.”

• “Piano Jazz,” the longest-running cultural program on the U.S. National Public Radio (NPR) network, was broadcast for the first time.

• The Washington Bullets won the championship of the National Basketball Association (NBA) in the U.S. state of Washington, defeating the Seattle SuperSonics, 105-99, in Game 7 of the best-of-7 series.

• Affirmed held off Alydar to win the Belmont Stakes and would be the last horse to win the U.S. Triple Crown of Horse Racing (the Kentucky Derby, Preakness Stakes and Belmont Stakes) for 37 years, until 2015.

• Baseball player Pete Rose singled against the Chicago Cubs to begin what became the longest hitting streak in National League history. The streak reached 44 games, becoming the first to challenge to Joe DiMaggio’s 56-game hitting streak in 1941, before ending on August 1.

• “Grease,” starring John Travolta and Olivia Newton-John, premiered in U.S. theaters before being shown worldwide. It went on to become the highest-grossing musical film of the year.

• The comic strip “Garfield” went into nationwide syndication.

• The musical “Evita,” written by Andrew Lloyd Webber, premiered in London’s West End at the Prince Edward Theatre.

• The rainbow flag of the LGBT movement was flown for the first time, in its original form, at the San Francisco Gay Freedom Day Parade. —Source: Wikipedia

TRAVEL HEALTH INSURANCE

Tue, 10 Jun 2025 13:28:26 GMT

Picture this. You’re on a cruise ship heading to Alaska, enjoying the scenic views. You might assume your regular health insurance would cover any medical costs that arise. However, what you might not realize is that the ship had to cross through international waters, and technically you were out of the country. This could potentially affect whether your medical insurance will pay.

That’s where travel health insurance comes in. And I’m not talking about the kind of insurance that will cover you if your luggage gets lost or your trip gets cancelled. I’m talking about a type of insurance that could help you avoid unexpected medical bills that might arise once you’ve left the U.S.

Travel health insurance helps cover the cost of unexpected illnesses or injuries while traveling, including doctor visits, hospital stays and prescription medications.

Plans may include coverage for emergency medical transportation.1

Some plans offer coverage for pre-existing conditions.1

A quick check with the U.S. embassy in the country you plan to visit will alert you to what your insurance will cover outside of the country. Travel insurance could help you with your medical needs while traveling. And, as always, my guidance is available at no cost to you.

DO YOU REMEMBER MAY 1978

Mon, 05 May 2025 17:22:14 GMT

If you attended high school in 1978, you are likely nearing age 65, the point at which you will start making decisions about your Medicare options.

To learn more about your options, give me a call to schedule a no-cost, no-obligation informational meeting.

In the meantime, enjoy recalling these memories from May 1978:

Top 5 Singles – May 13, 1978

#1 “If I Can’t Have You” – Yvonne Elliman

#2 “The Closer I Get to You” – Roberta Flack with Donny Hathaway

#3 “With a Little Luck” – Wings

#4 “Too Much, Too Little, Too Late” – Johnny Mathis / Denise Williams

#5 “Night Fever” – The Bee Gees

Top-Grossing Movie Week of May 10

“F.I.S.T.”

May 1978 Events

• The first use of an electronic messaging system to send an unsolicited message to a large number of recipients for the purpose of commercial advertising, now commonly called spamming, was made when a representative of Digital Equipment Corporation (DEC), Gary Thuerk, sent the same message, simultaneously, to 393 users of ARPANET, the Advanced Research Projects Agency Network

• Ben Cohen and Jerry Greenfield, both natives of Merrick, New York, who had completed a correspondence course on ice cream making, opened an ice cream parlor in Burlington, Vermont, with an investment of $12,000, creating Ben & Jerry’s.

• The National Oceanic and Atmospheric Administration (NOAA), the U.S. agency in charge of meteorology, announced it would end the practice of solely using female names for storms and hurricanes. After Tropical Storm “Aletta,” the next storm was identified as “Bud.”

• Charlie Chaplin’s coffin was found buried 2 feet deep in a cornfield 9.3 miles from the Swiss cemetery from which it was stolen more than two months earlier.

• At the age of 53, Mavis Hutchinson of South Africa, referred to in the press as “The Galloping Granny,” became the first woman to run across the continental United States as she arrived in front of New York City Hall.

• The first legal gambling casino in the eastern United States opened at

10 a.m. in Atlantic City.

• Al Unser won the Indianapolis 500, finishing eight seconds ahead of Tom Sneva.

• The price of mailing a letter in the United States increased from 13 cents to 15 cents.

—Source: Wikipedia

INSURANCE FOR THE SHORT TERM

Mon, 05 May 2025 17:00:51 GMT

Because life flows differently for everyone, there may be times when someone suddenly finds themselves without healthcare coverage.

College students who have recently graduated or turned 26 and can no longer be covered under their parents’ plan, someone starting a new job who needs temporary coverage, a retiree with a part-time job who isn’t quite ready for Medicare, seasonal workers who need coverage during the off-season, and anyone who needs temporary coverage could be considered a candidate for a short-term medical plan.

Short-term medical insurance can be applied for at any time it’s needed, and next-day coverage is typically available.

With short-term medical insurance, people usually have access to a large, nationwide network of providers and there are a variety of cost options to fit a number of different needs.

Many short-term plans offer customizable options to fit your specific needs. Additionally, you can enhance your coverage with optional supplemental plans.

There are also a range of deductible amounts and no primary care providers or referrals required within the plan’s network. It’s important to note that short-term medical doesn’t typically cover preexisting conditions or pregnancy-related costs.

If you’re at a place in life where you need answers to coverage concerns, I’m happy to help. Give me a call to discuss your individual situation and, as always, my guidance is available at no cost to you.

DO YOU REMEMBER APRIL 1978?

Mon, 21 Apr 2025 15:59:40 GMT

If you attended high school in 1978, you are likely nearing age 65, the point at which you will start making decisions about your Medicare options.

To learn more about your options, give me a call to schedule a no-cost, no-obligation informational meeting.

In the meantime, enjoy recalling these memories from April 1978:

Top 5 Singles – April 15, 1978

#1 “Night Fever” – The Bee Gees

#2 “Stayin’ Alive” – The Bee Gees

#3 “Lay Down Sally” – Eric Clapton

#4 “Can’t Smile Without You” – Barry Manilow

#5 “If I Can’t Have You” – Yvonne Elliman

Top-Grossing Movie Week of April 12

“The Goodbye Girl”

April 1978 Events

• “Space Invaders,” one of the most popular arcade video games of its time and a breakthrough in display technology, was introduced in arcades in Japan by the electronic entertainment company Taito, and would be brought to North America in November.

• The long-running television show “Dallas,” starring Larry Hagman as
J. R. Ewing, began a run of 14 seasons and 357 episodes on CBS, creating the modern-day primetime soap opera.

• Gary Player of South Africa won the 1978 Masters Tournament in Augusta, Georgia.

• Volkswagen became the second non-American automobile manufacturer (after Rolls-Royce from 1921 to 1931) to produce automobiles in the United States, as the first Volkswagen Rabbit rolled off the line at the Westmoreland Assembly plant in Pennsylvania.

• After 10 days in which former First Lady Betty Ford was in an intervention by her family for substance abuse, she checked herself in to a rehabilitation program at the Naval Regional Medical Center in Long Beach, California. Her public admission of an addiction problem helped remove the social stigma of seeking help for substance abuse and led to the establishment of the Betty Ford Center in 1982.

• Chris Evert won the singles title at the 1978 Family Circle Cup tennis tournament.

• “The Best Little Whorehouse in Texas,” a musical with music and lyrics by Carol Hall, was staged for the first time, appearing off-Broadway at the Entermedia Theatre in Manhattan before moving to Broadway on June 19 for the first of 1,584 performances.[

• The United States Senate voted 68–32 to ratify the Panama Canal Treaty, agreeing to turn the Panama Canal over to Panamanian control on December 31, 1999.

—Source: Wikipedia

RECOVERY INSURANCE

Mon, 21 Apr 2025 15:51:25 GMT

Prepare Yourself.

After an injury, surgery or accident, taking the time to recover properly can be the key to better healing. But if the pressure to return to work or regular life due to finances is an issue, that vital recovery time could be interrupted.

Fortunately, recovery care insurance can be a helpful solution.

Whether you’re working or retired, it’s a good idea to consider how an unexpected accident or illness could impact your finances. And because a hospital stay or a skilled nursing facility can be costly, having recovery care insurance could make a difference.

You may also have the freedom to choose how you want to receive care, whether that’s at home or in a hospital or nursing facility.

Benefits are paid directly to you, so you’re in control, and they’re paid in addition to any other heath coverage you may have.

Recovery care insurance is also ideal for covering what medical insurance may not, helping to ensure your needs are met.

For example, if your medical coverage only allows for a certain number of care days in a facility, recovery care insurance can be used to pay for additional levels of care.

Give me a call to discuss the ways that recovery care insurance could be of benefit to you. As always, my guidance is offered at no cost. I look forward to hearing from you.

PLAN FOR THE UNEXPECTED

Wed, 22 Jan 2025 21:54:11 GMT

Now that the season of unwrapping gifts is behind us, it’s time to unpack the details of your health insurance plan.

If your plan is new for 2025, understanding how the details could impact you and your family both personally and financially is an important part of being prepared.

Does your plan include a high deductible? Has the co-pay portion increased? Are your doctors still in network? Have the costs of your prescriptions gone up? Does your plan include dental and vision coverage?

Because nearly all health insurance plans include out-of-pocket expenses that must be paid, these are important details to understand before facing a medical event.

The point at which your out-of-pocket expenses end and insurance coverage begins can vary. If this threshold is significant for you, it might be beneficial to consider supplemental coverage.

Gap coverage is designed to address expenses that insurance does not pay, and benefits are not based on what other coverages, like health insurance, do pay. Coverage can range from accidents and illness to accidental death and hospital stays.

The goal with gap coverage is to reduce the amount you pay out of pocket.

As an independent licensed insurance agent, I have more time to sit down with you and dig deep into the details of your insurance coverage. I can help you identify products for your individual situation to help with potential out-of-pocket expenses. And the best part is, my guidance is free of charge. I look forward to hearing from you soon.

HealthMarkets Insurance Agency is located at 9551 Vista Way in Garfield Hts. To reach Scott McEvoy or a member of his team, call 216-815-1850 . Virtual, phone and office appointments are available.

KEY CHANGES TO ACA BENEFITS

Wed, 22 Jan 2025 21:51:25 GMT

Open enrollment for ACA marketplace plans began on Friday, November 1, and runs until Wednesday, January 15, 2025.

I offer anyone interested the opportunity to sit down with me or a member of my team to review the available options, then help them make the selections that make the most sense for them and their families.

In 2025, the ACA will offer premium tax credits, expanding financial assistance to a wider range of income levels. This adjustment will help to reduce premiums for a larger number of people, making health insurance more affordable.1

Additionally, new updates include caps on out-of-pocket costs such as deductibles and co-pays.2

The ACA will also include provisions for lower co-pays on medications and expanded access to specialized care for chronic conditions.3

Additional support for low-income families includes increased premium tax credits and improved access to affordable care options.4

Eligibility for benefits and programs generally depends on several factors, including income, citizenship and specific health needs. Some people will qualify for premium tax credits and cost-sharing reductions for health insurance purchased through the ACA Marketplace.5

Give me a call to review your options, and, as always, my guidance is free of charge.

HealthMarkets Insurance Agency is located at 9551 Vista Way in Garfield Hts. To reach Scott McEvoy or a member of his team, call 216-815-1850. Virtual, phone and office appointments are available. *Source: HealthInsurance.org1, Healthcare.gov2, whitehouse.gov/briefing-room/statements-releases/3, HHS.gov4 , kff.org/health-policy-101-the-affordable-care-act/5.

IN THE EVOLVING WORLD OF HEALTH CARE, SCOTT MCEVOY KEEPS TABS ON UPDATES TO THE AFFORDABLE CARE ACT

Wed, 22 Jan 2025 21:51:22 GMT

Every year, many hardworking Americans are faced with the challenges of navigating their personal healthcare needs, without the benefit of an employer-sponsored plan. That’s why the Affordable Care Act (ACA) offers a beacon of hope. But it can be overwhelming to understand all the policies and provisions that evolve each year. That’s why it may be prudent to work with a licensed insurance agent like Scott McEvoy, with HealthMarkets Insurance Agency.

Scott offers anyone interested the opportunity to sit down with him or a member of his team to review the available options, then help them make the selections that make the most sense for them and their families.

“Plan details and availability change every year, so what was available to you last year may not be the same this year,” he notes.

Open enrollment for the ACA plans begins on Friday, November 1, and runs until Wednesday, January 15, 2025.

Key Updates for 2025
The ACA will offer more generous advanced premium tax credits, expanding financial assistance to a wider range of income levels. This adjustment will help to reduce premiums for a larger number of people, making health insurance more affordable. 1

Additionally, new updates include caps on out-of-pocket costs such as deductibles and co-pays. 2 “The goal is to ease the financial burden of medical expenses,” Scott notes.

The ACA will also include provisions for lower co-pays on medications and expanded access to specialized care for chronic conditions. 3

Additional support for low-income families includes enhanced premium tax credits and improved access to affordable care options. 4

Are You Eligible?
The ACA has had a significant impact on health care in the U.S. By 2016, the law had helped reduce the uninsured rate to a historic low. More than 20 million Americans gained insurance through the expansion of Medicaid, subsidies and marketplace plans. 5 Protections for pre-existing conditions and essential health benefits have become widely popular.

“The ACA provides health insurance coverage for a broad range of individuals and families,” Scott explains. “Eligibility for benefits and programs generally depends on several factors, including income, citizenship and specific health needs. Some people will qualify for premium tax credits and cost-sharing reductions for health insurance purchased through the ACA Marketplace. 5 ”

One important feature of ACA plans is that they must cover pre-existing conditions. This applies to all individuals seeking coverage through the ACA Marketplace, regardless of their health history. 6

“It’s important to note that everyone who participates in ACA plans is free to make their own choices,” says Scott. “They can opt to go it alone, making their selection for the coming year, or they can tap into the knowledge base of someone like me who has spent part of the year reviewing the changes for 2025.”

Scott suggests calling his office to make an easy, informative appointment to meet with him. “That’s where many of my clients like to begin,” he suggests. “It can be overwhelming to sift through the options available to you. But when you schedule a time to meet with me or someone on my team, we can help you sort through the options. I'll provide you with information about important changes and the options available to you to help you find a plan that best suits your needs. Some people may understand the changes that apply to them and others may need help understanding plan changes, so I believe it's best to meet with a licensed insurance agent.”

HealthMarkets Insurance Agency is located at 9551 Vista Way in Garfield Hts. To reach Scott McEvoy or a member of his team, call 216-815-1850. Virtual, phone and office appointments are available.

*Source: kff.org/policy-watch/five-things-to-know-about-renewal-of-extra-affordable-care-act-subsidies-in-inflation-reduction-act/ 1, hhs.gov/about/news/2024/07/16/biden-harris-administration-releases-final-part-two-guidance-help-people-medicare-prescription-drug-coverage-manage-prescription-drug-costs.html 2, cbpp.org/research/health/entering-their-second-decade-affordable-care-act-coverage-expansions-have-helped 3&4, HHS.gov5&6.

ONE OF THE BIGGEST CHANGES TO MEDICARE PART D IN YEARS IS HAPPENING IN 2025

Wed, 22 Jan 2025 21:51:21 GMT

One of the biggest changes to Medicare Part D in years is happening in 2025

On Tuesday, October 1, new Medicare plans for 2025 will be released. What this means to participants is that as of this date, they are able to sit down with a licensed insurance agent to talk about their options. But, where to begin?

“It’s important to note that everyone who participates in Medicare is free to make their own choices,” says Scott McEvoy, a licensed insurance agent with HealthMarkets Insurance Agency. “They can opt to go it alone, making their selection for the coming year, or they can tap into the knowledge base of someone like me.”

Scott suggests calling his office to make an easy, informative appointment to meet with him. “That’s where many of my clients like to begin,” he suggests. “It can be overwhelming to sift through the options available to you. But when you schedule a time to meet with me or someone on my team, you won’t have to try to figure things out. I’ll provide you with information about important changes and the options available to you to help you find a plan that best suits your needs.”

Medicare Annual Enrollment begins on Tuesday, October 15, and continues through to Saturday, December 7.

“Many people wait until the enrollment period begins to schedule a time to meet with me,” Scott says. “That’s perfectly fine, but it can be a busier time as there may be other people interested in reviewing plan changes. If you schedule between October 1 and October 15, it will likely be less busy. You can slow down and take the time to understand your options, then, when the enrollment period begins, you can simply pop in and firm up your choice. I believe it’s important to meet with a licensed insurance agent as I can offer personalized guidance to help those in need of understanding their options. And the best part is, there is no charge for my services.”

Scott says that some people choose to review their options without his guidance because they’re afraid it’s going to cost them more to come to him, but that simply isn’t the case. “There is absolutely no cost for my help, and the comfort of knowing you’ve been presented with options that make sense for you can be valuable,” he says.

Medicare Part D Improvements

While the nuances of plans from different carriers may change for 2025, the biggest improvement will be to Medicare prescription drug plans.

In response to the Inflation Reduction Act, for the first time in 2025, all Medicare prescription drug plans (Medicare Part D plans) will offer enrollees the option to pay out-of-pocket prescription drug costs in the form of capped monthly installment payments instead of all at once at the pharmacy.*

Additionally, the Centers for Medicare & Medicaid services (CMS) is detailing improvements to the structure of the Part D drug benefit for the coverage year 2025 that will result in lower drug costs for millions of people with Medicare. Annual out-of-pocket costs will be capped at $2,000 for people with Medicare Part D.*

“This change is really significant,” Scott attests. “Last year the cap was $8,000. The other improvement to Part D means that you can spread the amount you have to pay over 12 months and handle it in installments, which for some people could be a tremendous advantage.”

Scott also notes that the out-of-pocket cap for 2025 could impact other aspects of your current Medicare plan, so it’s important to know if your coverage is still the same.

HealthMarkets Insurance Agency is located at 9551 Vista Way in Garfield Hts. To reach Scott McEvoy or a member of his team, call 216-815-1850. Virtual, phone and office appointments are available.

HEALTHMARKETS AGENT, SCOTT MCEVOY IS IN YOUR CORNER WHEN IT COMES TO MEDICARE COVERAGE

Tue, 25 Jun 2024 03:03:30 GMT

If you’re on Medicare, the best word to describe your status in September might have been, “bombarded.” You probably received a huge influx of telephone calls, mail and email about your Medicare options for the Annual Election Period, happening Friday, October 15 until Tuesday, December 7. Turn on the television and your favorite and not-so-favorite former football players are there, smiling and encouraging you to call the number on your screen. It can be overwhelming.

“I get calls from people all of the time confused about what to do or telling me they responded to a solicitation and ended up in a Medicare plan they know nothing about,”

says Scott McEvoy, a licensed insurance agent with HealthMarkets Insurance Agency. “It can be a challenge to not only understand the options available to you, but also feel confident about the choice you make.”

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.

“No two people have identical situations,” Scott states. “You have your own health concerns, doctors you prefer, medications you take and extras you need that are specific to you. So, your Medicare plan choice will likely be different than that of, say, your neighbor or spouse.”

In Your Corner
Scott is here for you, ready to meet with you to discuss your individual situation.

“I’m here every day, all day, often in the evenings and on weekends to answer questions. And there’s no charge for my guidance,” he says. “My focus is on getting to know you personally. I want to get as much information as possible about you so that when I present your Medicare options to you, you’ll feel confident that you’re making an informed decision based on your individual circumstances.”

“It’s not a requirement to meet with me, but why wouldn’t you take advantage of the free guidance?” Scott asks. “I’m a local agent who spends hours reviewing all of the changes to Medicare plans. I also get licensed each year. So, instead of having to dig through a pile of information trying to decide if your plan has changed for the better or worse, or if there is another plan out there that might be better suited to your current situation, you can sit down with me and have that answer in about 30 minutes or less. This could be one of the smartest half-hour investments you’ll ever make.”

Scott cuts through the clutter and confusion and provides sound guidance. He says that for him, it’s about helping people choose what they need, not selling anything.

The Competition is Fierce
Medicare plan providers want your business. It’s that simple.

“I’m 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.”

Every year there are carrier changes, whether new Medicare providers enter the market or existing carriers change their plans. So, the plan you had last year could be different this year, or a different plan may be of benefit.

“People don’t like to leave their comfort zone,” Scott relates. “But Medicare is one area where making a change could be the right option. A review can reveal a lot.”

His Guidance is Free
Because HealthMarkets agents aren’t captive, meaning they don’t work for a particular insurance carrier, they direct their efforts toward clients, helping them navigate the sometimes-baffling waters of Medicare. And the cost for a one-on-one review and his guidance? Nothing. All time spent with Scott or a member of his team is absolutely free, whether you contact him during open enrollment or you have questions that need to be answered once your plan has been selected.

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 Heights. 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.

HOW LIFE INSURANCE CAN HELP NOW

Mon, 24 Jun 2024 18:25:38 GMT

Most people understand life insurance to be a financial tool that helps their loved ones when they pass away, providing needed funds for bills, college and more. What they may not realize is that life insurance can also be a vital resource to help support the policy holder while he or she is still alive.

By choosing a policy with a living benefit rider, you can help to protect the assets you’ve worked so hard to accumulate. This rider can provide early access to your life insurance policy’s death benefit when you have a qualifying condition and can be used to preserve your quality of life. It may not cost extra to choose a policy with this provision.

According to a 2019 study from the American Journal of Public Health, medical costs are a leading cause of bankruptcy. With a living benefit rider on your life insurance policy, three important coverage areas can provide early access to life insurance funds.

A living benefit rider may allow you to access up to a certain percentage of benefits should you be diagnosed with a covered illness or health condition. There are different types of living benefit riders that could cover various types of conditions and allow you to tailor the coverage around your needs.

January is a perfect time to do a policy review to ensure the coverage you have is the coverage that can meet your needs today, tomorrow and into the future. The best part is, sitting down with me to discuss your options doesn’t cost a thing. I look forward to hearing from you.

To reach Scott McEvoy or a member of his team, call 216-815-1850. Virtual, phone and office appointments are available.

SHOULD YOU GET CANCER COVERAGE?

Mon, 24 Jun 2024 18:21:55 GMT

No one is immune from the risk of cancer, young or old. However, age does play a role, with the average age of people diagnosed with cancer being 66.* Are you prepared if the unthinkable should happen?

Fortunately, I can help you find a supplemental plan that may help with out of pocket costs if you receive a qualified cancer diagnosis. You may also be able to get a cancer policy for your kids if you get one for yourself. I can help you find and review options.

You may be surprised to learn that supplemental cancer insurance can fit your budget.

Many people know someone who has or has had cancer, which is why supplemental cancer coverage can help you prepare for the unexpected.

Individuals may experience financial hardship due to unexpected costs that insurance may not cover.

Recovering from a major illness can mean missed work and being without a paycheck. Supplemental insurance can help by paying a lump sum cash benefit for a qualified diagnosis.

Finding out if you qualify won’t cost you a dime. Give me a call to schedule your personal appointment.

HealthMarkets Insurance Agency is located at 9551 Vista Way in Garfield Hts. To reach Scott McEvoy or a member of his team, call 216-815-1850 . Virtual, phone and office appointments are available.

*Source: National Cancer Institute, Seer.Cancer.gov/statfacts , 1/21/2024.

DO YOU REMEMBER MARCH 1977?

Mon, 24 Jun 2024 18:21:54 GMT

If you were in high school in 1977, you are likely approaching age 65, which is when you will begin making decisions regarding your Medicare options.

To learn more about your options, give me a call to schedule a no-cost, no-obligation educational meeting.

In the meantime, enjoy recalling these memories from March 1977:

Top 5 Singles – March 12, 1977
#1 “Love Theme from ‘A Star is Born’ (Evergreen)” – Barbra Streisand

#2 “Fly Like an Eagle” – The Steve Miller Band

#3 “I Like Dreamin’” – Kenny Nolan

#4 “Night Moves” – Bob Seger

#5 “Blinded by the Light” – Manfred Mann’s Earth Band

Top-Grossing Movie Week of March 16

“Rocky”

March 1977 Events
• Boston comedy club owner Jay Leno made his national television debut as a stand-up comedian, appearing on “The “Tonight Show.”

• The debut album for the rock band Foreigner was released by Atlantic Records simultaneously with the band’s first single, “Feels Like the First Time.”

• The U.S. Food and Drug Administration (FDA) announced it was banning saccharin.

• “Ask President Carter,” the first and only radio show allowing ordinary residents across the U.S. to call the President of the United States, was broadcast live on the CBS Radio Network. With anchorman Walter Cronkite serving as moderator, President Jimmy Carter spoke with 42 people who had been able to get through to the White House after calling a special “900” number.

• Two American astronomers, J. L. Elliot of Cornell University and Robert Millis of the Lowell Observatory, discovered that the planet Uranus, like Saturn, has rings.

• Lobbied by singer and orange juice spokesperson Anita Bryant, the County Commission of Dade County, Florida, voted 6 to 3 to authorize a special referendum on whether to reverse a county ordinance that had been enacted in January against discrimination based on sexual orientation.

• Former U.S. president Richard Nixon granted his first interviews since his 1974 resignation, with journalist David Frost conducting unlimited questioning.

• The final episode of the NBC TV situation comedy “Sanford and Son” was aired after six seasons and 136 episodes.

• Architect Ernő Rubik of Hungary received Hungarian patent No. 170,062 for his invention, a “spatial logic game” which would later be marketed as “Rubik’s Cube.”

—Source: Wikipedia

To schedule a no-cost, no-obligation educational meeting to discuss your Medicare options, call Scott McEvoy, Licensed Insurance Agent, at 216-815-1850 or email him at Scott.McEvoy@HealthMarkets.com . Consultation at no cost to you.

UNCOVER YOUR BENEFITS

websupport@bluefoot.com (Digital Support Team Web) — Mon, 24 Jun 2024 18:21:52 GMT

Many of the people I do a complimentary review for are surprised to find out they may have insurance benefits in their healthcare policy they’re paying for but are not using.

Simply put, they don’t know what their plan covers.

For example, they may have coverage for over-the-counter medication, but have no idea they may be able to get reimbursed for those purchases.

That’s why it can be a prudent move to sit down with me so I can review your current standing.

When we meet, I’ll help to uncover the benefits you have coming to you under your plan, and help you understand how best to utilize them. And the best part is, there is no charge for my guidance.

I’ll also take a look at your complete coverage situation. If you have a life insurance policy, for example, I’ll help you determine your needs and budget to ensure you have the right coverage for you and your family.

Many of us agree it’s important to be prepared for the unexpected. That’s why many people take a closer look at life insurance, and disability and critical illness policies as a way to prepare themselves for life’s unexpected events.

As a licensed insurance agent, I can offer personalized guidance and help you determine the plan options that will fit your budget. To reach Scott To reach Scott McEvoy or a member of his team, call 216-815-1850 . Virtual, phone and office appointments are available.

DO YOU REMEMBER JUNE 1977?

Mon, 14 Jun 2021 03:03:29 GMT

If you were in high school in 1977, you are likely approaching age 65, which is when you will begin making decisions regarding your Medicare options.

To learn more about your options, give me a call to schedule a no-cost, no-obligation informational meeting.

In the meantime, enjoy recalling these memories from June 1977:

Top 5 Singles – June 18, 1977

#1 “Dreams” – Fleetwood Mac

#2 “Got to Give It Up” – Marvin Gaye

#3 “Gonna Fly Now (Theme from ‘Rocky’)” – Bill Conti

#4 “Feels Like the First Time” – Foreigner

#5 “Lucille” – Kenny Rogers

Top-Grossing Movie Week of June 15 - “Star Wars”

June 1977 Events
• The Japanese playing card company Nintendo put its first home video game on the market, branded as “Color TV-Game.”

• New Jersey became only the second state in the United States (after Nevada) to legalize casino gambling.

• Vincent van Gogh’s painting Poppy Flowers was stolen from Cairo’s Khalil Museum in Egypt. Recovered 10 years later, the painting was stolen again in 2010 and has not been seen since.

• The Portland Trail Blazers beat the Philadelphia 76ers, 109-107, to win the NBA championship.

• Singer Elvis Presley released his recording, “Way Down,” which reached number one on the Billboard Country Music chart on the week before he died on August 16, 1977.

• Plans for a conversion of U.S. roadway signs to the metric system were canceled.

• Former U.S. President Gerald R. Ford hit a hole-in-one while playing golf, the year after losing the 1976 presidential election.

•U.S. thoroughbred horse Seattle Slew won the Triple Crown by finishing four lengths ahead of the runner-up at the Belmont Stakes, after having won the Kentucky Derby and the Preakness Stakes.

• The first Victoria’s Secret women’s lingerie store was opened by its founding couple, Roy Raymond and his wife Gaye Raymond, at the Stanford Shopping Center in Palo Alto, California.

• High school teacher Jill Jacobs married U.S. Senator Joe Biden of Delaware at the Chapel at the United Nations in New York.

• The Alaska Pipeline (officially the Trans-Alaska Pipeline System) began operations as the first oil entered it from the North Slope oil fields at Prudhoe Bay in the U.S. state of Alaska.

—Source: Wikipedia

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DO YOU REMEMBER APRIL 1977?

Mon, 14 Jun 2021 03:03:29 GMT

If you were in high school in 1977, you are likely approaching age 65, which is when you will begin making decisions regarding your Medicare options.

To learn more about your options, give me a call to schedule a no-cost, no-obligation informational meeting.

In the meantime, enjoy recalling these memories from April 1977:

Top 5 Singles – April 16, 1977
#1 “Don’t Give Up on Us” – David Soul
#2 “Don’t Leave Me This Way” –Thelma Houston
#3 “Southern Nights” – Glen Campbell
#4 “Hotel California” – The Eagles
#5 “The Things We Do for Love” – 10cc

Top-Grossing Movie Week of April 13 “Rocky”

April 1977 Events

The United States Senate voted, 86 to 9, to adopt a Code of Ethics. For the first time, members were required to give full public disclosure of their income and their assets and liabilities.
The new Seattle Mariners major league baseball team played their first game, losing 7 to 0 to the visiting California Angels at the Kingdome. The event was also the first indoor baseball game in American League History.
A 30-year-old Donald Trump married Czechoslovakian-born model Ivana Trump in a ceremony at the Marble Collegiate Church, officiated by church pastor Norman Vincent Peale.
Six weeks before the debut of the film “Star Wars,” Marvel Comics Group published the first issue of a comic book of the same name with the tag line, “Marvel’s Epic Official Adaptation of the Monumental 20th Century Fox Movie!” The comic book was the first to provide a preview to fans of what the film would look like.
The film “Annie Hall,” which would win the Academy Award for Best Picture and Oscars for Best Director for Woody Allen and Best Actress for Diane Keaton, was released nationwide.
The popular musical “Annie,” based on the comic strip “Little Orphan Annie,” made its debut on Broadway, premiering at the Alvin Theatre, and would go on to win three Tony Awards.
Studio 54, known as the trendiest disco nightclub in the United States in the 1970s because of its popularity among celebrities, opened in New York City at 254 West 54th Street.
The U.S. Federal Highway Administration published proposed regulations to convert all road signs in the U.S. to the metric system, pursuant to the authority of the Metric Conversion Act of 1975.
The English rock group Led Zeppelin set a record for paid attendance at a music concert, attracting 76,229 fans to the Pontiac Silverdome.

—Source: Wikipedia