Insured By Elise

04/07/2026

I talk with a lot of people who are considering short-term health insurance plans to save money, so I wanted to share a little insight about these plans and why I don’t typically recommend them for most of my clients.

There are a few situations where they can help temporarily. Some possible pros include:
• Sometimes access to a PPO network
• Lower monthly premiums
• Can act as temporary coverage between gaps
• Fast approval, sometimes even same-day

BUT what many agents and websites advertising these plans don’t clearly explain is what coverage you may be missing, often hidden in the fine print.

Plans like this usually come with very limited benefits and they are not required to follow the same protections as major medical insurance.

That means insurers can deny claims more easily, sometimes when people need coverage the most. And honestly, what is health insurance for if you don’t have peace of mind that on your worst day your plan will protect you from financial trouble?

Many pre-existing conditions are not covered, which surprises a lot of people after enrollment.

A short-term plan can feel like protection, but sometimes it leaves people responsible for large unexpected medical bills. The good news is many people are surprised to learn they actually qualify for Marketplace savings, Medicaid, or private options that provide stronger coverage than short-term plans. If you’re considering a short-term plan and want a second opinion before enrolling, I’m always happy to help you compare your options.

03/16/2026

How does your coverage actually work in worst case scenarios?

In this example, both individuals experience the same 3-day hospital stay with a $30,000 bill, but their plan structures create very different outcomes. The Marketplace plan has a higher deductible and low coinsurance with no PPO discount, leaving the patient responsible for a much larger portion of the bill before reaching their out-of-pocket limit. The private plan applies a PPO network discount that reduces the bill, has a lower deductible, and only requires 20% coinsurance. In addition, the hospital indemnity benefit pays $1,200 per day directly to the policyholder during the stay, helping offset the remaining costs. This example shows how plan design—not just monthly premium—can significantly affect what someone actually pays during a medical event.


Ask me about your coverage today! (936) 693-2225
Book with me: https://calendly.com/insuredbyelise/new-meeting

02/21/2026

Urgent care VS ER... don't overpay!

Have you ever gone to the ER for something that could’ve been urgent care? Sometimes we feel like our health needs are very serious, but it is imperative to know that unless you are in a life-threatening situation, most things can be taken care of quicker and cheaper at urgent care.

Average ER visit: $1,200+
Urgent care: $100–$200
Telehealth: Often under $50

🏥 When you should go to the ER (Not urgent care)

You need the ER if someone has:

🚨 Chest pain or pressure- Could signal a heart attack.
🚨 Difficulty breathing- Severe asthma attack, allergic reaction, pneumonia.
🚨 Signs of a stroke-face drooping, arm weakness, slurred speech (Time matters — every minute counts.)
🚨 Severe bleeding that won’t stop
🚨 Head injury with: confusion, vomiting, loss of consciousness
🚨 Seizures
🚨 Severe abdominal pain (especially sudden and sharp)
🚨 Major broken bones or visible deformity
🚨 High fever in infants (especially under 3 months)
🚨 Severe allergic reactions (swelling of throat, trouble breathing)

Urgent care clinics are not equipped with: Full trauma teams, advanced imaging in many cases, surgical capabilities, cardiac intervention equipment.

🩺 When urgent care is usually enough:
Minor fractures or sprains
Stitches
Flu, COVID, strep throat
Ear infections
Mild asthma flare-ups
UTIs
Small cuts
Minor burns

It’s for things that can’t wait for Monday, but aren’t life-threatening.

💻 When Telehealth works:
Pink eye
Cold/flu symptoms
Rashes
Prescription refills
Minor infections
Follow-up consultations

It’s often the cheapest and fastest option especially with many insurance plans.

02/16/2026

“I haven’t used my health insurance all year… is it even worth it?"

You don’t “use” car insurance either — until you crash.

You don’t “use” homeowners insurance — until something breaks.

Insurance isn’t a subscription. It’s protection.

The year you don’t use it is the year you win!!!!!

If your premium feels heavy, let’s make sure you’re at least in the right plan.
Call/Text: (936) 693-2225
Book with me: https://calendly.com/insuredbyelise/new-meeting

02/14/2026

Happy Valentine's Day from Insured by Elise!
I hope everyone's day is filled with joy, love and special moments 🌹🩷

02/07/2026

Why work with me instead of a traditional group health plan for your small business?

✅ Lower, more predictable costs
Traditional group plans come with high premiums and unpredictable annual increases. I offer small-business solutions that give you control over your budget year after year.

✅No minimum enrollment rules or open enrollment window holding you hostage. No required employer contribution levels. No more punishing rate hikes just because employees actually use their benefits. My approach is designed to control costs, support employees, and grow with your business.

✅ Better plan options and broader networks
Your employees aren’t forced into a one-size-fits-all plan. They choose coverage that fits their doctors, prescriptions, and lifestyle.

✅ Personalized, concierge-level service
No 1-800 numbers. No endless hold times. I’m your dedicated advisor and advocate for questions, changes, and claims support.

📞 Free consultation available
📅 Book here: https://calendly.com/insuredbyelise/new-meeting

📱 Call/Text: (936) 693-2225

01/20/2026

Health insurance options are available through the private market all year! I help self- employed individuals, families and small businesses find plans that are not only affordable but cover the things you actually want.

Book with me: https://calendly.com/insuredbyelise/new-meeting

Call/Text: (936) 693-2225

01/12/2026

Just 3 more days of open enrollment! If you've been procrastinating finding coverage, I have some open slots for appointments- shoot me a text or book with me online: https://calendly.com/insuredbyelise/new-meeting

(936) 693-2225

01/05/2026

Did you miss the deadline for marketplace health insurance?
Couldn't find any options that met your needs?

I am here to help! Good news is I can still get you an affordable and comprehensive plan for you, your family or small business starting right away. Let me take a look at your needs and budget to identify the RIGHT solution.

(936) 693-2225

Book with me: https://calendly.com/insuredbyelise/new-meeting

11/21/2025

Make sure you call me if you don't know what all the health insurance options are or how your plan can protect you! (936) 693-2225

11/06/2025