Willis Advisory & Insurance LLC

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Willis Advisory & Insurance LLC Willis Advisory & Insurance is your trusted partner for all things related to financial security and peace of mind.

With a commitment to helping individuals, families, and small businesses offering expert guidance on insurance solutions that align with yo

We'll compare rent, car payments, even what we paid for a concert ticket. But ask someone what their health plan costs t...
10/16/2026

We'll compare rent, car payments, even what we paid for a concert ticket. But ask someone what their health plan costs them, and the room goes quiet. 🤐

I think that silence costs us more than we realize.

When nobody talks about it:
💬 We don't know if what we're paying is normal or way too high
💬 We assume a confusing bill is just how it works, instead of asking questions
💬 We carry medical costs quietly, like it's something to be embarrassed about
💬 We pick plans alone, without hearing what worked or didn't for the people around us

Talking about it doesn't mean sharing every number. It can be as simple as "Does your plan cover this?" or "What did you end up paying for that visit?" Those small conversations are how people catch mistakes and make better choices.

With open enrollment starting Nov 1 in most states, this is the perfect time to start the conversation, with friends, family, or with me.

So, I want to know do you agree or disagree? Would you talk openly about what healthcare costs you? 👇

If you only look at one number when you're comparing plans, make it this one: the max out-of-pocket. 💡In plain language,...
10/14/2026

If you only look at one number when you're comparing plans, make it this one: the max out-of-pocket. 💡

In plain language, it's the most you'll pay in a year for covered, in-network care. Once you hit it, your plan pays 100% of covered in-network services for the rest of the plan year.

Here's why I tell people to look at it first:

✔️ It shows you your worst-case year. A low premium can look great until you see a high max out-of-pocket sitting behind it.
✔️ Your deductible, copays and coinsurance all count toward it, so it's the real ceiling on what care can cost you.
✔️ If you see a specialist regularly, take ongoing medications or are planning a procedure, this number matters even more.

One thing to know: your monthly premium does not count toward it. So, the full picture is your premiums for the year plus, in a tough year, up to that max.

With open enrollment coming up Nov 1 in most states, this is the first number I'll walk through it with you when we compare options.

Did you know your premium doesn't count toward your out-of-pocket max? Let me know in the comments!

The first time I picked my own health plan, I had no idea what I was doing. 🙋‍♀️When I came off my dad's insurance, I op...
10/12/2026

The first time I picked my own health plan, I had no idea what I was doing. 🙋‍♀️

When I came off my dad's insurance, I opted into my employer's plan. They gave me two or three options. I looked at the basics and picked the one that seemed right. I didn't ask a single question. Honestly, I thought I knew everything.

That same year I needed a new therapy vest. My plan covered medical equipment, so I paid toward my deductible and figured that was that.

Two years later, I was still getting bills for it.

So, I started calling. My insurance company, then the equipment supplier, over and over, asking why I was still paying on something that should have been paid off. That's when I finally learned my plan treated equipment as rent-to-own, which was buried in the details I never asked about.

That's how I figured it out: by asking the questions I should have asked from the start and reading past the basics into the fine print.

It's also the exact reason I tell everyone now: “Don't just look at the surface of a plan.” Ask how it handles the things you actually need.

Have you ever been surprised by something hiding in your plan's fine print? Tell me in the comments! 👇

Open enrollment starts Nov 1 in most states. Here's how to walk into it ready instead of scrambling. 🗂️Three things to p...
10/09/2026

Open enrollment starts Nov 1 in most states. Here's how to walk into it ready instead of scrambling. 🗂️

Three things to pull together before you meet with your agent, and why each one matters:

1️⃣ A list of your doctors
Every plan has its own network, and the same carrier can have different networks from plan to plan. When your agent has your doctors' names up front, they can check who's in network before recommending anything, so you don't find out in March that your favorite doctor isn't covered.

2️⃣ A list of your prescriptions
Each plan has its own drug list, and the same medication can cost very different amounts from one plan to the next. With your list in hand, your agent can see what's covered and what you'd actually pay at the pharmacy, not just what the premium looks like.

3️⃣ Last year's plan summary
This is your starting point. It shows your current deductible, out-of-pocket max and what you're paying each month. Your agent can use it to compare 2027 options side by side and spot what changed, instead of starting from a blank page.

Having these ready turns your enrollment conversation from guesswork into a real comparison, and it makes the whole thing faster for everyone.

When you're ready to look at your 2027 options, I'm happy to walk through them with you. No pressure.

Save this so you have it when it's time. 📌

10/07/2026

I need to tell you all about this, because this is already happening to my clients. 🚨

I’ve already had several clients get calls from “the Marketplace” asking them to re-verify their application. A lot of these callers are phishing. They’ll use whatever official-sounding language they can to get you to switch your plan or change your agent on record.

What to do:
✅ Only give authority to someone you know and trust
✅ Already have an agent? Reach out to them first and make sure the call is real
✅ Already on auto-enroll or submitted your application? You have no further steps unless you want changes
✅ Before Nov 1, schedule time with your agent to review your 2027 plan

A few extra minutes is your protection. When in doubt, hang up and call the number on your insurance card or your own agent.

Has anyone in your family gotten a call like this? Tell me below so we can keep each other aware. 💭

10/05/2026

Open enrollment is right around the corner, and there's one change for 2027 I want you to hear about from me first.

If you work with a broker or advisor to enroll, don't be surprised if they ask you to do a few extra steps. That might be a six-digit code sent to your phone or email, or naming your agent ahead of enrollment season.

It can feel like a hassle, but it's there to protect you. There has been a lot of fraud around the ACA marketplace, and CMS is canceling policies and suspending agents because of it. These steps make sure only someone you've authorized can see your application or your plan.

So, if your agent asks for a little extra verification, that's by design, and it's there to keep your information yours.

Have you run into any of this yet, or had a call or text about your coverage that felt off? Tell me what happened.

10/02/2026

Most people never appeal a denied claim.

That's not because they're wrong to, it's because nobody ever explains how.

If this happens to you:
1️⃣ Request the denial letter in writing.
2️⃣ Check for a coding error first (a huge share of initial denials is just that)
3️⃣ Know you have the right to appeal
4️⃣ Keep a record of every single call.

This is exactly the kind of thing I help people through, so you don't have to figure it out alone while you're already stressed about a bill.

Send this to someone who needs to see it before they give up on a claim that's actually still fightable. 📌

The monthly price is the easiest number to compare. It's also the least useful one if it's the only thing you're looking...
10/02/2026

The monthly price is the easiest number to compare. It's also the least useful one if it's the only thing you're looking at.

Before you pick a plan, check these three things instead:

1. Is your actual doctor, the one you trust, in network. Not "a" network. Yours.
2. Are your prescriptions covered, and at what tier. A covered medication and an affordable one aren't always the same thing.
3. Your out-of-pocket max. Not the average year. The bad year. That's the number that protects you when it matters most.

Open enrollment is coming up, so this is the perfect time to actually look instead of defaulting to whatever's cheapest on paper.

Save this for when the benefits emails start showing up. 😊

That's it. One window. Miss it and you're riding with whatever you picked (or whatever your employer picked for you) unt...
09/28/2026

That's it. One window. Miss it and you're riding with whatever you picked (or whatever your employer picked for you) until it opens again.

The exception is a big life change, like losing a job, moving, getting married, or having a baby.

Open enrollment is right around the corner, and I would much rather you walk into it prepared than panicked. Save this for when the benefits emails start rolling in.

Did you know it works this way, or is this news? Let me know in the comments.

09/25/2026

Did you know there are actually three different ways you can age out of your health insurance, not just the one everyone talks about?

Most people only think about turning 25 or 26 and losing your spot on a parent's plan. But there are two more.

Turn 65, and you have to enroll in Medicare, even if you keep an employer plan, or risk a real penalty for missing the window. Turn 19 while on Medicaid or the Children's Health Insurance Program, and you age out of that coverage as a dependent too.

Three completely different life stages. Chances are one of these applies to you, your kid, or someone you love right now.

Which one of these is coming up for you or someone in your family?
Tell me which stage you're navigating.

Address

101 Paramount Drive
Sarasota, FL
34232

Telephone

+18508606500

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