Sammantha Cole

Raised in a family rooted in service, Memorial Day is more than a holiday. Remembering and honoring the heroes who made the ultimate sacrifice. 🇺🇸

A lot of people wait until they absolutely NEED health insurance before they start looking at options.
Then life happens:
• Unexpected diagnosis
• Loss of coverage
• Higher premiums
• Limited options
• Missed effective dates
The best time to review your coverage is BEFORE it becomes urgent.
Even if you already have a plan, it’s smart to periodically check:
✔️ Are your premiums still competitive?
✔️ Are your doctors still in-network?
✔️ Are you overpaying for coverage you don’t use?
Health insurance isn’t something most people think about daily… until they have to.
That’s why being proactive matters.
All of my services are free!

🚫 MYTH: Health insurance is only worth it if you’re sick.

✅ FACT: One emergency room visit can cost more than an entire year of coverage.
Health insurance protects your finances just as much as your health. Even healthy people benefit from preventive care, checkups, and unexpected accident protection.

🚨 Don’t choose a health plan based on price alone.
The cheapest option can end up costing more when you actually need care. 👀

Before enrolling, make sure you:
✔️ Check doctor & hospital networks
✔️ Review prescription coverage
✔️ Understand deductibles & out-of-pocket costs
✔️ Don’t miss important enrollment deadlines

The right coverage should fit your health needs and your budget. 💜

📩 Message me if you want help comparing options or understanding your benefits better!

Message me to set up a consult! Lets get you covered!

Premiums too high? Deductible too high?
You have options!

Health Plans for Self-Employed, 1099 Contractors & Small Business Owners DO exist!

If you’re paying too much, stuck with limited networks, or feel like your coverage doesn’t fit your situation — there are other options.

✅ YES — PPO Network Flexibility
❌ NO — HMO/EPO Restrictions

You work hard for your income. Your health coverage should work just as hard for you.

Comment below or message me for more information and let’s see what options may be available for you!

Hey Friends, Please share so I can help people you love and care about.

🚨PSA :

Another big carrier is stepping away…

Cigna Healthcare will no longer offer individual and family health plans starting in 2027. On and off the ACA marketplace.

And this isn’t the first Aetna made the same move last year.

This is exactly why having someone to guide you through your options matters more than ever.

👉 If you’re currently insured with Cigna, don’t wait until the last minute. Let’s make a plan now.

💎 Looking for something to help supplement your current coverage — or help if you don’t have coverage right now?

I have a special plan that offers valuable everyday benefits designed to help protect you and your family without breaking the bank. 🏥✨

✅ 24/7 Nurse Helpline
✅ Telehealth access with MDLIVE
✅ Accident & illness benefits
✅ Prescription savings
✅ Vision & dental discounts
✅ Roadside Assistance
✅ Travel & shopping perks

Affordable protection with extra benefits that fit real life.

📩 Message me today for details or a free quote!

🚨 Health Insurance 101: Do You Know Your Out-of-Pocket Costs?

Understanding your plan can save you **THOUSANDS** 💸 — here are the 4 key pieces you NEED to know:

🔴 Deductible
What you pay *before* your insurance starts helping

🔵 Copay
Your flat fee for doctor visits & prescriptions

🟢 Coinsurance
Your share (%) after you hit your deductible

🟣 Out-of-Pocket Max
Your financial safety net — once you hit this, insurance covers 100% 🙌

👉 If you don’t know these numbers, you could be overpaying without even realizing it.

💬 Want help breaking down YOUR plan? Message me “REVIEW” — I’ll simplify it for you.

Think health insurance is confusing? You’re not alone… 👀

Let’s break down 4 terms you NEED to know:

💡 Premium = what you pay every month
💡 Deductible = what you pay before insurance kicks in
💡 Copay = what you pay at the doctor
💡 Coinsurance = how you split costs with your plan

Here’s the catch ⬇️
Most people choose a plan based ONLY on the premium… and ignore everything else.

That’s how you end up with “cheap” insurance that costs you MORE when you actually use it 💸

The right plan = balance between monthly cost AND out-of-pocket expenses

If these terms still feel confusing, you’re not the only one—and that’s exactly why I’m here.

📩 DM me “HELP” or drop it below and I’ll break down YOUR plan in simple terms