From Michelle's desk in Summerville
Every kind of coverage your family needs
Health, dental, Medicare, life, and vision — all in one place, with one licensed agent who knows the Lowcountry. As an independent broker, I am not tied to any single carrier, which means I shop multiple companies for every client and only recommend what actually fits your situation.
The two services most Summerville families need first
Health insurance and Medicare are where most Lowcountry households begin. If you are working age, health insurance is the foundation. If you are turning 65, Medicare is the gateway to every other decision.
Health Insurance in Summerville, SC
ACA marketplace plans from BlueCross, Ambetter, and Molina, side-by-side comparisons, subsidy calculations, and network checks. The coverage most Lowcountry households start with.
Featured ServiceMedicare in the Lowcountry
Turning 65 or already on Medicare? Advantage, Medigap, and Part D explained in plain English, plus one-on-one enrollment support from a licensed local agent who walks you through every page.
All four coverage types, one agent
Health, dental, life, and vision — the four everyday coverage types most Summerville households need. Click into any of them to see the plans, carriers, and real price ranges I see with Lowcountry clients every week.
Health Insurance
Individual and family ACA marketplace plans in Summerville and the tri-county area. Subsidy eligibility, network checks against MUSC and Roper St. Francis, and plan comparisons across BlueCross, Ambetter, and Molina.
DentalDental Insurance
Standalone DHMO, DPPO, and discount dental plans for individuals, families, and small groups. Delta Dental, Cigna, Humana, and Spirit Dental options compared on cost, waiting periods, and local dentist acceptance.
LifeLife Insurance
Term, whole, universal, and final expense policies shopped across AIG, Prudential, Banner, Mutual of Omaha, Haven Life, Ethos, and Pacific Life. Coverage that protects your family without overpaying.
VisionVision Insurance
Standalone VSP, EyeMed, Davis Vision, Humana Vision, and Blue View Vision plans for annual exams, glasses, and contact lenses. Network checks against your preferred Lowcountry eye doctor.
Medicare and small business benefits
Two areas where Lowcountry clients consistently need hands-on guidance. Medicare for anyone turning 65 or already enrolled, and group benefits for small businesses building out their compensation package.
Medicare Guidance
Medicare Advantage, Medigap, and Part D plan selection for people turning 65 or already enrolled. I walk every client through Parts A, B, C, and D so the right plan is a decision you make, not a default you accept.
Small BusinessSmall Business Coverage
Group health, ICHRA, SHOP credits, and supplemental benefits for Lowcountry employers. Attract and retain great employees without blowing up your payroll. Two to fifty employees is my sweet spot.
Why Lowcountry families work with me
There is no shortage of insurance agents in South Carolina. Here is the short version of why Summerville, Mount Pleasant, and Charleston households keep calling my number.
Independent brokerage
I am not captive to a single company. I quote multiple carriers for every client and recommend the one that actually fits your situation — not the one that pays me the most.
Local Lowcountry knowledge
I live and work in Summerville. I know which plans cover MUSC, Roper St. Francis, and Trident Health, and which dentists, optometrists, and specialists in the tri-county area accept which carriers.
Year-round support
When a claim goes sideways, a network disappears, or your life changes mid-year, you call me. I do not disappear after the policy is issued. Same number, same person, every time.
Zero-cost consultations
I never charge a fee to meet with you, quote coverage, or review your current plans. My compensation comes from the carrier you eventually choose, not from your pocket. You get professional guidance for free.
Frequently Asked Questions
Health, dental, vision, life, Medicare (Advantage, Supplement, Part D), and small business group plans - including ICHRA and QSEHRA setups. I am licensed in South Carolina to sell individual and group coverage across all of these product lines.
No. I am an independent broker, which means I represent 15+ carriers including BlueCross BlueShield, Ambetter, Molina, UnitedHealthcare, Humana, Cigna, Aetna, Delta Dental, VSP, EyeMed, Mutual of Omaha, Banner Life, and more. I quote across all of them for every client.
Zero. I never charge a fee to meet with you, quote coverage, or review your existing plans. Brokers are compensated by the carrier you eventually choose, and the premium for any given plan is identical whether you buy through me or directly from the carrier.
Yes. I work with individuals and families on marketplace, Medicare, and ancillary plans, and I help small businesses with 2-50 employees set up group health, dental, and vision - including ICHRA and QSEHRA arrangements. Both sides of my practice use the same Blinco Audit methodology.
Yes. I am based in Summerville, SC and serve Goose Creek, North Charleston, Ladson, Moncks Corner, Charleston, and the rest of the tri-county Lowcountry in person. I also work with clients across the entire state of South Carolina by phone and video.
Ready to talk?
Let's figure out what you actually need.
Most first conversations take twenty minutes. You tell me about your household, your health, and your budget, and I tell you which coverage types make sense, which ones do not, and what the real numbers look like. No pressure, no sales pitch, no forms to fill out up front.
Call Michelle at (843) 594-1759
Get a Free Coverage Review