New Paragraph

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

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.

FEATURED

Local support for ACA choices

By Scott McEvoy • December 12, 2025
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?

By Scott McEvoy • December 12, 2025
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

November 20, 2025
When it comes to Medicare, you get to decide who supports your journey.

GO LOCAL

November 20, 2025
Local guidance available at no cost can be invaluable when it comes to selecting an ACA plan for 2026. 

WHAT DOES YOUR PLAN COVER?

November 20, 2025
Schedule your policy review with Scott McEvoy of HealthMarkets Insurance Agency .

DO YOU REMEMBER JULY 1978?

July 16, 2025
Call Scott McEvoy to discuss your Medicare options.

WHAT HAPPENS IF YOU GET INJURED?

July 16, 2025
In the event your are unable to work, how would you manage your expenses?

DO YOU REMEMBER JUNE 1978?

June 10, 2025
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

June 10, 2025
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

By Scott McEvoy • May 5, 2025
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