What Is Health Insurance?
Health insurance helps cover the cost of medical care — from routine doctor visits and prescriptions to hospital stays and surgeries. Without coverage, a single medical event can result in devastating out-of-pocket costs. As an independent broker, Mechelle compares individual and family health insurance plans across multiple carriers to find the best combination of coverage, network, and premium for your specific situation. Whether you are self-employed, between jobs, or simply looking for better coverage than what your employer offers, Mechelle can help.
Coverage Options We Offer
Comprehensive major medical coverage for individuals not covered by an employer. Available on and off the ACA marketplace, with options at every price point.
Plans that cover you, your spouse, and your children under a single policy. Mechelle compares network, deductibles, and premiums to find the best family fit.
Temporary coverage for gaps between major medical plans — ideal for those between jobs, waiting for employer coverage to begin, or in a life transition.
Adds an extra layer of protection on top of your primary health plan. Covers out-of-pocket costs like copays, deductibles, and non-covered expenses.
Frequently Asked Questions
The ACA Open Enrollment Period typically runs November 1 – January 15. Outside of that, you can enroll if you have a qualifying life event (job loss, marriage, birth of a child, etc.) that triggers a Special Enrollment Period.
Depending on your income, you may qualify for ACA premium tax credits that significantly reduce your monthly premium. Mechelle will check your eligibility and help you maximize any available subsidies.
An HMO requires you to use in-network providers and get referrals for specialists. A PPO gives you more flexibility to see any provider, in or out of network, without a referral — typically at a higher premium.
Health insurance protects you from unexpected medical costs that can be financially devastating even for healthy individuals. A single emergency room visit or accident can result in tens of thousands of dollars in bills without coverage.
Health insurance products are offered through Fitzpatrick Benefit Advisors LLC. Mechelle Fitzpatrick, NPN 6799305, GA License 607281. Products and availability vary by state.
Key Benefits
- Access to plans from multiple top-rated carriers
- No-cost plan comparison and enrollment assistance
- Coverage for preventive care, prescriptions, and hospitalization
- Options for every budget — from basic to comprehensive
- Guidance on subsidies and tax credits you may qualify for
- Ongoing support for claims and coverage questions
Who Needs This?
- Self-employed individuals and freelancers
- Small business owners and their employees
- Individuals between jobs or not covered by an employer
- Early retirees not yet eligible for Medicare
- Families seeking better coverage than employer plans
- Anyone who needs supplemental health coverage