Meet Our Team

Christina M. Kovar

 440-239-1780
 [email protected]

 

When PG Associates LLC was founded in 2007, Mrs. Kovar already had several years’ experience being mentored by her grandfather, Pat Giachetti, at his United American Insurance Company office. There she learned the basics of the Medicare Industry and the importance of providing exceptional service to clients.

With over 18 years’ experience in the health insurance industry, Christina uses her experience and knowledge to guide Medicare beneficiaries in their decision-making process. With a variety of top-ranked insurance carriers and products, she is able to tailor a plan that fits each client’s individual and specialized need. She offers free in-home consultations or will meet her client where it is most convenient. Once enrolled in a plan, Christina provides ongoing customer service to answer questions or assist in any way during the year and during annual enrollments.

Robert G. Huskey

 216-214-2470
 [email protected]

 

Mr. Huskey is an Independent Licensed Life and Health Insurance Broker. He joined the newly formed PG Associates LLC Brokerage Agency in 2007. Through the mentorship of Pat and Peggy Giachetti, Bob has developed the depth and wide range of knowledge required to navigate the ever changing landscape of healthcare Insurance.

Bob specializes in Medicare and is dedicated to help develop programs that address beneficiary’s individual healthcare insurance needs, such as recommending a Medicare Supplement plan to work with their Original Medicare, coupled with a Part D Prescription Plan, or recommending a Medicare Advantage Plan. Bob works closely with his clients to make sure all of their special needs are addressed with a variety of available programs. Bob offers free consultations, convenient in home appointments and personal confidential service.

When someone is turning 65, they are bombarded with a solicitation from companies and agencies recommending a variety of plans. It is confusing and can be overwhelming. Most people like to have one person they can turn to for advice and help them decide what is best for them. We offer free consultations for clients turning 65 and guide them through the process to determine the most viable solution to address their individual needs. We also educate those who have decided to work past age 65 regarding Part B timing, available options, and budget based choices. We review all medications to find a plan that satisfactorily covers their medications, determine if their doctors are in the network, and if traveling is part of their lifestyle.

Not Just a One Time Decision

Change is inevitable. Prior to the Annual Enrollment Period (October 15 – December 7), insurance carriers send out their Annual Notice of Change to members. This notice includes formulary, deductible, network, and premium changes. Beneficiaries have an opportunity to change their Medicare Advantage Plan or Part D Prescription Drug Plan. Companies may also introduce a new plan that will be more beneficial. Our Agents are available year-round to answer questions, address concerns, review their plans, or to discuss new options.