You deserve someone who actually
understands your coverage.
I don't stop until you're covered.
I'm Michelle Blinco Smith, and I help people in the Lowcountry find health, dental, Medicare, and life insurance that actually fits their life.
Every family deserves someone in their corner.
What brought you here today?
Maybe you just lost your job and COBRA costs more than your mortgage. Maybe you're turning 65 and Medicare feels like learning a new language. Whatever it is, I've probably helped someone in your exact situation this week.
The Blinco Audit
Uncover
Show me where you stand.
I start by reviewing every policy you currently have -- health, dental, vision, life, supplemental. I look at what you are paying, what is actually covered, and where the gaps are. Most people have no idea what their deductible actually means until they need it. I make sure you do.
Decode
Here's what it actually means.
Insurance documents are written to confuse you. I translate the jargon into plain English. I show you exactly what your plan covers, what it does not, and where you are exposed. No surprises at the doctor's office.
Compare
Here's what else is available.
I pull options from every carrier I work with and compare them side by side. Not just premiums -- networks, formularies, out-of-pocket maximums, the details that actually matter when you need care.
Protect
Here's what I recommend and exactly why.
I give you a clear recommendation with real numbers. You will know exactly what you are getting, what it costs, and why it is the right fit for your situation. No pressure, no sales tactics -- just the facts.
And I don't disappear.
After the audit, I stay in your corner. Annual reviews, life changes, open enrollment -- I'm a call away. Your coverage needs evolve, and so does my advice.
The Blinco Audit
- 1
Uncover
Show me where you stand.
I start by reviewing every policy you currently have -- health, dental, vision, life, supplemental. I look at what you are paying, what is actually covered, and where the gaps are. Most people have no idea what their deductible actually means until they need it. I make sure you do.
- 2
Decode
Here's what it actually means.
Insurance documents are written to confuse you. I translate the jargon into plain English. I show you exactly what your plan covers, what it does not, and where you are exposed. No surprises at the doctor's office.
- 3
Compare
Here's what else is available.
I pull options from every carrier I work with and compare them side by side. Not just premiums -- networks, formularies, out-of-pocket maximums, the details that actually matter when you need care.
- 4
Protect
Here's what I recommend and exactly why.
I give you a clear recommendation with real numbers. You will know exactly what you are getting, what it costs, and why it is the right fit for your situation. No pressure, no sales tactics -- just the facts.
And I don't disappear.
After the audit, I stay in your corner. Annual reviews, life changes, open enrollment -- I'm a call away.
Trusted by families across the Lowcountry
I'm not employed by any carrier. I work for you. Licensed in South Carolina | 10+ Years Experience
What Clients Say
Michelle found us a Silver plan that saved us $340 a month over what we were paying. She called our doctors to verify they were in-network before we enrolled. Nobody else did that.
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Frequently Asked Questions
Nothing. Working with an insurance broker costs you absolutely nothing. I am compensated directly by the insurance carriers, not by you. Your premium is exactly the same whether you use a broker or go directly through healthcare.gov or a carrier website. The difference is that I compare every available plan in your area, verify your doctors are in-network, and optimize your subsidy - services you would otherwise have to do yourself.
Health, dental, vision, Medicare (Advantage, Supplement, and Part D), life insurance, and small business group plans. If it protects your health or your family's financial future, I handle it. I work with every major carrier in South Carolina including BlueCross BlueShield, Ambetter, UnitedHealthcare, Humana, Cigna, Aetna, and Molina. I also help with COBRA alternatives, Special Enrollment Period applications, and ACA subsidy optimization.
I am based in Summerville but I serve the entire Lowcountry - Goose Creek, North Charleston, Ladson, Moncks Corner, Charleston, and all surrounding areas in Dorchester, Charleston, and Berkeley counties. I also work with clients across South Carolina by phone and video. About 40% of my clients never visit my office - we handle everything remotely.
Let's figure it out together.
You don't have to navigate this alone. Whether you have a quick question or you're ready for a full Blinco Audit, I'm here.