Finding the right insurance plan feels like trying to read a map in a blizzard. If you're in Northeast Ohio, you've probably seen the name Aimee Butler Cleveland Medicare pop up while searching for someone to help make sense of the mess. Honestly, the Medicare world is full of "national advisors" who have never actually stepped foot in Cuyahoga or Lake County. That’s why a local face is a big deal.
Aimee Butler is a licensed insurance agent with KAZ Company, an agency that basically lives and breathes Medicare in the Cleveland and Northeast Ohio area. She isn’t some voice in a call center in another time zone. She’s someone who knows that choosing a plan in Eastlake or Mentor is different than choosing one in Columbus.
Who Exactly is Aimee Butler?
Aimee didn't just stumble into insurance yesterday. She spent about 25 years working in Human Resources and benefits administration. That’s a long time. It means she spent decades explaining complicated health plans to employees and retirees before she ever became a dedicated Medicare agent.
She focuses on several key areas around Cleveland, including:
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- Cuyahoga County
- Lake County
- Geauga County
- Ashtabula County
She’s often helping folks in spots like Twinsburg, Macedonia, and Willoughby. If you've lived in Cleveland long enough, you know that the hospital networks here—like the Cleveland Clinic and University Hospitals—are the backbone of our healthcare. If your agent doesn't understand how those networks mesh with a specific Medicare Advantage plan, you're going to have a headache later.
What Aimee Butler Cleveland Medicare Services Cover
Most people reaching out are usually in one of two boats. Either they are turning 65 and getting buried in mail, or they are "losing" their employer coverage and need to figure out what’s next.
Medicare Advantage (Part C) is a huge topic in Northeast Ohio. These plans often bundle things like dental, vision, and those "silver sneakers" gym memberships. But here is the thing—Aimee often points out that you have to check if your specific doctor is in that network. If you switch to an Advantage plan and your favorite specialist isn't covered, you're stuck.
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Then there are Medicare Supplements (Medigap). These are for people who want to keep Original Medicare but don't want to get hit with the 20% coinsurance that Part B doesn't cover. Medicare doesn't have a "stop-loss" or a maximum out-of-pocket cap on its own. That is a scary thought for someone on a fixed income. A Supplement plan basically acts as a safety net.
The 2025 "Donut Hole" Changes You Should Know
If you’ve talked to Aimee or any local expert lately, they’re probably buzzing about the major shift in 2025. For years, seniors lived in fear of the Part D "donut hole"—that weird gap where you suddenly had to pay way more for your prescriptions.
As of January 1, 2025, that gap is gone. There is now a $2,000 annual out-of-pocket cap on covered medications. This is massive. However, as Aimee has noted in local Q&As, those drugs have to be on your plan’s "formulary" (the list of covered drugs) for it to count toward that cap. If you're using a discount card like GoodRx for a drug your plan doesn't cover, that money doesn't count toward your $2,000 limit.
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Why a Local Agent beats a 1-800 Number
You’ve seen the commercials. Some former pro-athlete tells you to call a number for "free money" or "added benefits." It sounds great. But those call centers are often just trying to hit a quota.
Aimee Butler works with KAZ Company, which represents multiple carriers. This is a subtle but vital distinction. A "captive" agent only sells one brand. An independent agent looks at Humana, UnitedHealthcare, Aetna, and others to see who actually has the best deal for your specific zip code.
Plus, there’s no fee. Agents get paid by the insurance companies, not by the seniors. If someone tries to charge you a "consultation fee" for Medicare advice, walk away.
Real Steps for Cleveland Seniors
If you're starting this journey, don't just pick a plan because your neighbor likes it. Your neighbor might have different prescriptions or a different doctor.
- Gather your list: Write down every single medication and the exact dosage.
- Check your doctors: Make sure your primary care and any specialists are in-network for the plans you’re eyeing.
- Look at the "Hidden" Costs: It’s not just the monthly premium. Look at the copays for a specialist visit or an ER trip.
- Avoid the Pressure: A good agent won't rush you. If you feel like you're being "sold," take a breather.
Getting your Medicare sorted doesn't have to be a nightmare. Whether you work with Aimee Butler or another local Cleveland pro, the goal is the same: find a plan that lets you sleep at night without worrying about a surprise hospital bill.
Actionable Next Steps
- Check your current "Evidence of Coverage" (EOC) notice if you're already on a plan; companies change their benefits every single year.
- Verify your 2025 drug costs under the new $2,000 cap rules to see if you could save more by switching Part D providers.
- Contact a local independent agent who can run a "comparison report" across multiple carriers to ensure your doctor and pharmacy are still the most cost-effective options.