Home › Process
How It WorksThree steps. About 60 seconds.
No spam-calling lead farms. No sales floor passing you between people. One licensed advisor who compares your real options and is still there at renewal.
Buying health insurance usually goes one of two ways: you fill in a form on a comparison site and your phone rings for a week, or you sit alone with HealthCare.gov trying to decide whether a $6,000 deductible is good. Neither involves anyone who knows the market explaining it to you.
01 — Tell us about you
Three questions: who you are covering, where you live, and what matters most about the plan. That is enough to narrow the field meaningfully, because those three inputs determine which markets you are eligible for and which carriers file plans in your county.
It takes about a minute. If you would rather talk it through, call or text instead — the form is a convenience, not a requirement.
02 — We compare your real options
This is the part you cannot do alone, because it requires access to markets that are not all publicly listed. We pull private carrier plans, ACA-eligible Marketplace options, and group plans where relevant, across major U.S. carriers.
Then we narrow. A list of forty plans is not helpful; three plans with the tradeoffs explained is. Before that shortlist reaches you we check the things people discover too late:
- Whether your doctors are genuinely in the network, in your county
- Whether your prescriptions are on the formulary and at what tier
- Whether you qualify for cost-sharing reductions, which only apply to Silver plans
- What the plan actually costs in a bad year, not just the monthly premium
03 — You choose, we handle the rest
A plain-English walkthrough of each option — deductible, network, drug coverage, what happens if something goes wrong. Then you decide. When you are ready we handle enrollment, the paperwork, the documentation requests and the effective dates.
After that the relationship does not end. The same advisor handles your renewal, your plan changes and your questions when a claim looks wrong. Carriers evaluate advisors on client retention, which means our incentive is your long-term fit rather than the fastest sale.
Why this is free to you. Carriers build advisor compensation into the premium whether or not you use one. Buying direct does not lower your price — it just removes the person whose job is to compare the market on your behalf.
Common questions
Will I get spam calls after submitting the form?
No. Your information goes to this agency, not to a lead marketplace. Many quote sites sell each submission to multiple agents, which is why one form fills your phone for a week. We do not sell information, ever.
How quickly will I hear back?
Within 24 hours. If you would rather not wait, call or text and you will reach an advisor directly.
Am I committing to anything by asking for a quote?
No. Most conversations end with a comparison and no enrollment, and a fair number end with us telling you to keep the plan you already have. There is no fee and no obligation at any point.
Saintellus Health Advisory is an independent insurance agency licensed in 31+ states. This page is general education and is not medical, tax or legal advice.
