Carl Lishing, Medicare Insurance Broker
Carl Lishing
HealthMarkets
Medicare Broker Licensed in OH, FL, NC and SC
28+ Years of Experience
Contact Details
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Serving
Ohio
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Phone
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Website
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Schedule An Appointment
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Pre-Appointment Form
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Carl Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Hello! I'm Carl, your trusted Medicare agent in the area. My specialty is Medicare, and I'm passionate about helping you select the ideal plan that caters to your individual needs and budget. I'll efficiently sort through plans from reputable national and local companies, saving you time and effort. Best of all, my services are provided at no cost to you. Give me a call to discuss your Medicare choices and don't forget to mention that you found me on Medicare Agents Hub!
Directions to My Office
My Google Reviews
422 Total Reviews (5.0 )
October 10, 2026
No surprises dealing with Carl; Just an honest, informed professional whom I'll continue to do business....
October 10, 2026
No surprises dealing with Carl; Just an honest, informed professional whom I'll continue to do business....
October 9, 2026
Helpful, personable and informative
October 9, 2026
Helpful, personable and informative
October 6, 2026
Robert was awesome to work with- very understanding, patient and great customer service. Highly recommend to anyone!
Q&A with Carl Lishing
Is it true that Medicare pays for dental implants?
Answer: Original Medicare does not cover dental implants. There were some Medicare Advantage plans in NE Ohio that had some coverage for dental implants in the past. I am not aware of any that do for 2027. There are stand-alone dental products that can be purchased for additional premium that may have coverage for this.
How do you explain to clients that "zero-premium" doesn't mean "zero-cost" with Medicare Advantage?
Answer: The premiums are often zero dollars because they receive funding from the federal government. The member has cost sharing such as deductibles, co-pays or coinsurance that goes towards their maximum out-of-pocket. This will vary from plan to plan. Supplemental products can be purchased for additional premium that pay members to help cover some of these out-of-pocket expenses on an Advantage plan.
Does Medicare cover CPAP machines and sleep apnea treatment?
Answer: These are covered services under Medicare Part B (durable medical equipment).
On Original Medicare, the member pays 20% after the Part B deductible; if they have a Medicare Supplement, that may cover the cost sharing depending on which Medicare supplement plan they have.
With Medicare Advantage, it may require prior authorization, and when approved, the member pays 20% on most plans, which goes towards the max out-of-pocket for the year.
When can a Medicare agent sell a standalone Part D prescription drug plan?
Answer: The member needs to be enrolled in Medicare Part A and live in the plan's service area. The Annual Enrollment Period is October 15th to December 7th for January 1st effective dates. Outside of this period of time, the member needs a valid special enrollment period. The most common special enrollment period is leaving a group plan to go on Medicare. There may be other things the member should take into consideration based on their unique circumstances.
What happens if my dad’s income changes? Can his Medicare plan or costs change too?
Answer: Income changes could impact how much he pays for Income Related Monthly Adjustment Amount (IRMAA) on Medicare Part B & Part D. There is a two-year look-back to determine the amount of IRMAA. If there is a qualifying event (like retirement) and the income is coming down, it can be appealed so you don't have to wait two years.
Are visits with psychologists, social workers, or psychiatrists included in Medicare coverage?
Answer: Medicare Advantage plans are required to cover the same things that Original Medicare covers, but they work different. So, the short answer is yes. Medicare Advantage plans do have networks to work within, and they can use managed care programs to determine medical necessity. You will want to make sure you stay in network to get the most out of your plan.
Is it better to update your Medicare plan often, or to get a plan that will work long term?
Answer: Ideally, you get a plan for the long term. However, a person's health can change, which could impact which plan is the best fit. Also, changes happen with Medicare Advantage plans, so it should be reviewed from time to time to make sure it's still the best fit.
For Medicare Part D, why would someone pick a plan with a high total cost?
Answer: This usually is not the most cost-effective solution. Generally, you want to shop based on which plan covers your current meds at the lowest total cost. Plans can be changed if needed during the annual enrollment period for the following year. The drug formulary list may be more robust on the high-premium Part D plan. Some people may be willing to pay more for that just in case they add more expensive drugs during the year.