The Reality Most People Experience
If you've ever felt frustrated with your health insurance… you're not alone.
- You pay every month, but still feel like you can't use it
- Your doctor isn't covered the way you expected
- Bills show up later that don't make sense
- Deductibles are so high you avoid care altogether
- Plans look good on paper but don't work in real life
Most people aren't shown how to structure this correctly.
Sound Familiar?
You're paying hundreds — sometimes thousands — every month… and when you actually need care, it still doesn't feel like it's working the way you expected. That's not a personal failure. It's usually a sign the plan wasn't built around your actual needs.
It's Not That Insurance Is Broken
It's that you haven't been shown all the options. Most people are only shown one path when it comes to health insurance. But there are multiple ways to approach this depending on your situation.
There May Be Better Ways to Approach This
At Mere Benefits, we help you compare different ways to structure your coverage based on your needs — not just what's most commonly offered.
The goal is simple: find something that actually works when you need it.
⚠️ This Is Not One-Size-Fits-All
Some options require health approval, have eligibility guidelines, or work differently than traditional insurance. Marketplace plans may still be the best fit depending on your income, doctors, and prescriptions.
That's why we walk through everything with you before you make a decision.
A Simple, Clear Process
Tell us what's not working
We start with your doctors, prescriptions, budget, and frustrations
Compare your real options
We review what's available based on your situation
Choose with clarity
You decide what makes sense after understanding the tradeoffs
You Don't Have to Figure This Out Alone
Hi, I'm Kate Spilsbury — and I left corporate insurance for a reason.
I've been licensed since 2007 and spent years inside the system before starting my own independent agency. I saw how confusing and frustrating this process can be — and how often people are left trying to figure it out on their own.
So I built Mere Benefits to do things differently.
I'll always put clients first — even when that means telling you a plan isn't the right fit.
Certified Medicare Insurance Planner® (CMIP®) · Registered Social Security Analyst® (RSSA®)
When you reach out, you're not calling a call center. You're talking to a real team that's here to help.
Frequently Asked Questions
A PPO (Preferred Provider Organization) plan typically allows you to see doctors both in and out of network, often without needing referrals. However, costs and coverage vary depending on the specific plan.
Not necessarily — it depends on your needs. PPO plans may offer more flexibility, while HMO plans are often more cost-effective.
In many cases, PPO-style plans may have higher monthly premiums but fewer restrictions. The overall value depends on how you use care.
Possibly. Some private options are available depending on your situation, health, and location.
Most Marketplace plans today are HMO or EPO-based. PPO-style options are typically found outside of the Marketplace.
Some private options may require underwriting or health questions. Marketplace plans do not.
Yes. There is no cost to speak with our team or review your options. If you choose a plan, we are compensated by the insurance company.
Yes. If you prefer, you can submit your information and we can send options for you to review without a call.
Let's Figure Out What Actually Works for You
This is not a one-size-fits-all quote. We'll review your situation and help you understand your real options.
Start a Conversation — No Pressure
You don't have to figure this out alone.