Business & Health Insurance Advisory by Martell Jones

05/21/2026

This is happening every day…

People go to the ER thinking they’re covered
then get hit with bills they weren’t expecting

That’s not because they don’t have insurance…
it’s because of deductibles, networks, and coverage gaps

Especially if your kids are active, this is something you want to understand BEFORE you need it

An analysis of hospital pricing found that facilities on average charge the uninsured almost five times what Medicare pays for the same procedure.

05/06/2026

A lot of people don’t really think about insurance until life happens.

A medical issue.
A prescription denial.
A surprise bill.
A job change.

Most people are simply trying to take care of themselves and the people they love, but insurance can sometimes feel confusing and overwhelming. That’s really why I created this page — to have real conversations about coverage and explain things in ways that relate to everyday life, not just industry terminology.

05/06/2026

Welcome to Business & Health Insurance Advisory by Martell.

I help individuals, families, self-employed professionals, and small business owners make smarter insurance decisions without the confusion.

Whether you need help with:

Health Insurance
Life Insurance
Medicare
Business Insurance
Supplemental Coverage
Coverage for your family, employees, or business

My goal is simple: help you understand your options, avoid gaps in coverage, and make decisions that actually fit your situation.

Insurance can feel overwhelming, but it does not have to be. I break things down in plain English and help you compare what makes sense.

If you have questions about your current coverage or want to see what options are available, send me a message.

No pressure. Just clarity.

Message me “COVERAGE” and I’ll point you in the right direction.