Elizabeth P. Gavino, CMTA, CEPA, FNTP, LUTCF
President
Elizabeth P. Gavino, CMTA, CEPA, FNTP, LUTCF, is President and Owner of Lewin & Gavino, Inc., an independent insurance firm established in 1997. With nearly three decades of experience, Elizabeth specializes in helping individuals, families, business owners, and employers navigate complex insurance and healthcare coverage decisions.
Her expertise spans Medicare enrollment and insurance planning, Medicare Advantage, Medicare Supplement, prescription drug coverage, life insurance, long-term care insurance, disability insurance, and employee benefits. Known for her personalized, education-first approach, Elizabeth helps clients evaluate their options, understand potential financial implications, and make informed coverage decisions.
Elizabeth is also the founder of Medicare Transition Partners™, a specialized consulting division that helps employers, human resources professionals, and organizations address the complexities of employee and retiree transitions to Medicare. Her work focuses on Medicare coordination, enrollment timing, employer-sponsored health coverage, and the financial implications of Medicare decisions, including Income-Related Monthly Adjustment Amounts (IRMAA).
Beyond her individual and employer consulting work, Elizabeth is committed to professional education. She has conducted training for insurance professionals, financial advisors, and other industry practitioners, helping them better understand healthcare coverage and its relationship to retirement and financial planning.
A nationally recognized insurance and financial wellness expert, Elizabeth has contributed insights to major media outlets, including CNBC, CNN, The Washington Post, Fortune, Forbes, and other publications. Her perspectives have been featured in discussions about Medicare, retirement healthcare costs, insurance planning, and financial well-being.
Elizabeth is also the author of Balanced Life, Happy Life, reflecting her longstanding interest in the relationship between financial security, health, and overall well-being.
Throughout her career, Elizabeth has emphasized education, individualized guidance, and practical solutions that help people approach important insurance decisions with greater clarity and confidence.