Coverage for every stageof your life.
From your first health plan to Medicare and beyond, Michael Melle guides you through every decision with clarity and care.
Health Insurance
Whether you're self-employed, between jobs, or simply looking for better coverage, Michael walks you through every ACA marketplace plan, short-term option, and employer alternative available in your area. He compares deductibles, networks, and premiums side by side so you can make a confident, informed decision.
- ✦Individual & family plans
- ✦ACA marketplace enrollment
- ✦Short-term health coverage
- ✦Group plans for small businesses
"He explained everything in complete detail so I have a full understanding of my insurance."
— Gonzalo R., Client
Medicare Plans
Turning 65 or approaching Medicare eligibility? Michael specializes in explaining the alphabet soup of Medicare — Parts A, B, C, and D — in plain English. He helps you compare Medicare Advantage plans, Medigap supplements, and standalone Part D drug plans to find the combination that covers your doctors and prescriptions at the lowest out-of-pocket cost.
- ✦Medicare Advantage (Part C)
- ✦Medicare Supplement (Medigap)
- ✦Part D Prescription Drug Plans
- ✦Initial enrollment & special enrollment guidance
"Michael drove 140 miles round trip to meet with me and make sure I felt confident in my decision."
— Michael M., Client
Dental & Vision
Many health plans leave dental and vision coverage as an afterthought. Michael helps you find standalone or bundled dental and vision plans that cover routine cleanings, major procedures, glasses, and contacts — so there are no surprises when you sit in the chair.
- ✦Preventive & major dental coverage
- ✦Orthodontic options
- ✦Vision exams, glasses & contacts
- ✦Bundled health + dental + vision packages
"He helped us find a health insurance plan that actually worked for our situation. He made everything so easy."
— Cinthia C., Client
Life Insurance
Life insurance is one of the most important — and most procrastinated — financial decisions a family can make. Michael takes the time to understand your income, debts, and dependents before recommending a term or whole life policy that provides genuine peace of mind without over-insuring you.
- ✦Term life insurance
- ✦Whole life & universal life
- ✦Final expense coverage
- ✦Policy review & comparison
"Mike was very diligent, responsive, and knowledgeable. He worked quickly to get my coverage activated."
— Cory P., Client
Ready to explore your options?
Michael offers free, no-obligation consultations. Reach out today and get personalized guidance within 24 hours.