Martelle Health Advisory
Helping Find the Right Health Insurance For You
We simplify the process so you can confidently choose health insurance that works for you and your family.
Your Trusted Advisor Derek Martelle
Derek Martelle is passionate about helping people
feel confident with their insurance decisions, taking
a thoughtful, straightforward approach rooted in
listening and clear, pressure-free guidance. Outside
of work, he enjoys staying active, spending time at
the gym, and making time for friends and loved
ones—bringing that same energy, focus, and care into
the way he helps others every day.
Insurance Services We Offer
We offer a range of insurance solutions designed to protect you, your family, and your business through every stage of life.
HMO Plans
Health Maintenance Organization (HMO) plans offer predictable costs and coordinated care through a primary physician and network of providers.
EPO Plans
Exclusive Provider Organization (EPO) plans combine lower premiums with flexibility, allowing direct access to specialists within the network.
PPO Plans
Preferred Provider Organization (PPO) plans provide the most flexibility, including out-of-network coverage and fewer referral requirements.
POS Plans
Point of Service (POS) plans blend HMO structure with PPO flexibility, offering coordinated care with optional out-of-network options.
Built on Trust, Backed by Results
- 4.9-star average rating from clients helped
- 500+ satisfied clients guided through insurance decisions
- $200+ average monthly savings by reviewing and optimizing coverage
Why Clients Choose Us
People-First Care
Your needs and priorities guide every recommendation.
Honest, Clear Advice
Straightforward guidance so decisions feel confident.
Ongoing Support
Support that continues well beyond enrollment.
Personal Advisor
One dedicated advisor focused on your coverage.
Easy Enrollment
Simple steps to enroll without confusion.
Nationwide Coverage
Coverage options available across the country.
People-First Care
Your needs and priorities guide every recommendation.
Honest, Clear Advice
Straightforward guidance so decisions feel confident.
Ongoing Support
Support that continues well beyond enrollment.
Personal Advisor
One dedicated advisor focused on your coverage.
Easy Enrollment
Simple steps to enroll without confusion.
Nationwide Coverage
Coverage options available across the country.
Frequently Asked Questions
Get quick answers to common questions about working with an insurance agent, comparing coverage options, and choosing a health plan that fits your needs.
What does an insurance agent actually help with?
An insurance agent helps you compare plan options, explain coverage details, review provider networks, and narrow down choices based on your health needs, budget, and preferred doctors.
How do I know which health plan is right for me?
The right plan depends on more than just the monthly premium. It usually comes down to your prescriptions, doctor preferences, expected medical usage, deductible comfort level, and whether you need broader out-of-network flexibility.
Can you help me compare HMO, PPO, EPO, and POS plans?
Yes. An agent can walk you through the tradeoffs between plan types, including referral requirements, network restrictions, out-of-network access, and how each structure may affect your total costs throughout the year.
What should I have ready before speaking with an insurance agent?
It helps to have a list of current doctors, medications, preferred hospitals, estimated healthcare needs, and a rough monthly budget. That information makes it much easier to eliminate poor-fit plans quickly.
Is working with an insurance agent only useful during open enrollment?
No. Agents can also help when you have a qualifying life event, are losing employer coverage, turning 65, reviewing supplemental options, or simply want guidance before your next enrollment window opens.
Let’s Find Coverage That Fits
We’re here to answer your questions, explain your options, and help you get a quote that makes sense for you.