another issue espically with high efficency furnaces is burner turn on
turn off temperature.

in a attempt to maximise fuel efficeny blowers run long after burners
turn off. to get the last of the heat from the burners.

this leads to furnaces blowing chilled air at blower shut down making
people feel colder.
easily fixed by readjusting switches.

another possiblity isnt home repair related at all.

many years ago my mom complained she was cold all the time.......

that peaked out with the furnace running constantly, indoor air
temperature of 90 degress farenheit.

i took my mom to her doctor who did blood woork she was severly
anemic..

this lady should probably get bood work to confirm the issue is the
house and not her........