I'm Michelle, and I take insurance personally.
Most people don't grow up dreaming about insurance. I didn't either. But somewhere along the way, I realized that the gap between "having insurance" and "being properly covered" was ruining people's lives - and almost nobody was helping them close it. So that became my job.
How I ended up obsessed with insurance
I got into this industry because I watched people I cared about get crushed by medical bills they thought were covered. I saw families pick the wrong Medicare plan because no one explained the difference. I talked to self-employed people paying $900 a month who qualified for a $200 plan and didn't know it.
The problem was never that good coverage didn't exist. The problem was that nobody sat down and actually explained the options. That's what I do. I sit down - or get on the phone, or hop on a Zoom - and I explain the options. All of them. In plain English. With real numbers. And then I help you pick the one that fits your life, not just your budget.
I'm not casual about it, either. I check formularies. I verify networks. I read the fine print so you don't have to. My friends think I'm a little intense about it. My clients are glad I am.
Credentials & Experience
Licensed Agent
Licensed in the state of South Carolina. Licensed to sell health, dental, vision, life, and supplemental insurance.
Certified
ACA marketplace certified, Medicare Advantage, Medicare Supplement, Part D certified. Continuing education every year because the rules change every year.
Experience
Years of experience in health, dental, vision, life, and supplemental insurance helping individuals and families navigate the insurance landscape.
Carriers
Blue Cross Blue Shield, Ambetter, UnitedHealthcare, Cigna, Humana, and others. I'm not employed by any carrier. I work for you.
The Blinco Audit
Uncover
Show me where you stand.
I start by reviewing every policy you currently have -- health, dental, vision, life, supplemental. I look at what you are paying, what is actually covered, and where the gaps are. Most people have no idea what their deductible actually means until they need it. I make sure you do.
Decode
Here's what it actually means.
Insurance documents are written to confuse you. I translate the jargon into plain English. I show you exactly what your plan covers, what it does not, and where you are exposed. No surprises at the doctor's office.
Compare
Here's what else is available.
I pull options from every carrier I work with and compare them side by side. Not just premiums -- networks, formularies, out-of-pocket maximums, the details that actually matter when you need care.
Protect
Here's what I recommend and exactly why.
I give you a clear recommendation with real numbers. You will know exactly what you are getting, what it costs, and why it is the right fit for your situation. No pressure, no sales tactics -- just the facts.
And I don't disappear.
After the audit, I stay in your corner. Annual reviews, life changes, open enrollment -- I'm a call away. Your coverage needs evolve, and so does my advice.
The Blinco Audit
- 1
Uncover
Show me where you stand.
I start by reviewing every policy you currently have -- health, dental, vision, life, supplemental. I look at what you are paying, what is actually covered, and where the gaps are. Most people have no idea what their deductible actually means until they need it. I make sure you do.
- 2
Decode
Here's what it actually means.
Insurance documents are written to confuse you. I translate the jargon into plain English. I show you exactly what your plan covers, what it does not, and where you are exposed. No surprises at the doctor's office.
- 3
Compare
Here's what else is available.
I pull options from every carrier I work with and compare them side by side. Not just premiums -- networks, formularies, out-of-pocket maximums, the details that actually matter when you need care.
- 4
Protect
Here's what I recommend and exactly why.
I give you a clear recommendation with real numbers. You will know exactly what you are getting, what it costs, and why it is the right fit for your situation. No pressure, no sales tactics -- just the facts.
And I don't disappear.
After the audit, I stay in your corner. Annual reviews, life changes, open enrollment -- I'm a call away.
And I don't disappear.
This is the part most agents skip, and it's the part that matters most. Your life changes. Plans change. Subsidy rules change. Every year, I reach out to review your coverage and make sure it still fits. If you have a baby, lose a job, get married, move, or just have a question at 2pm on a Tuesday - you have my direct number.
Frequently Asked Questions
Michelle has been a licensed insurance agent for over 10 years, serving individuals, families, and small businesses across the South Carolina Lowcountry. In that time she has helped 500+ households find health, dental, Medicare, life, and vision coverage that actually fits their situation.
Two things. First, I am an independent broker, which means I am not captive to any single carrier - I compare every available plan in your zip code and recommend the one that actually fits your doctors, medications, and budget. Second, I do not disappear after the policy is issued. Same phone number, same person, every year - for annual reviews, life changes, and claim issues.
Most of my clients are within 30 minutes of Summerville - Goose Creek, North Charleston, Ladson, Moncks Corner, and Charleston - but I am licensed across South Carolina and I work with people statewide by phone and video. If you live in SC, I can help you.
Nothing. My consultations, plan comparisons, enrollment support, and ongoing service are always free to you. Brokers are compensated by the insurance carriers, and the price of a plan is the same whether you buy it through me or directly from the carrier. You get professional guidance for zero cost.
I am licensed in South Carolina to sell health, dental, vision, life, and supplemental insurance. I am ACA marketplace certified and certified for Medicare Advantage, Medicare Supplement, and Part D. I complete continuing education every year because the rules change every year - and you deserve an agent who keeps up with them.
Ready to talk?
No pressure. No pitch. Just a conversation about what you need and how I can help.
Find My Coverage