Got it. I'll be in touch soon.

Within a few hours during business hours - Monday through Friday, 9am to 5pm Eastern. If you reached out over a weekend or holiday, you will hear back first thing the next business morning. Every message comes directly to Michelle, not a call center.

Michelle reviews what you shared, comes prepared with real options, and talks through your situation - no pitch, no pressure. If she needs more information to give you specific numbers, she will ask. If your question can be answered in a quick email, she will do that instead.

No, but it helps speed things up if you have a rough idea of your household income, your current insurance card (if any), your doctors or medications, and any recent bills. If you do not have those handy, Michelle can still start the conversation and gather what she needs as you talk.

Zero. Consultations are always free. Michelle is compensated by the insurance carriers, and the premium on any plan is the same whether you buy it through her or directly from the carrier. You get a licensed agent for no cost.