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 We have options for everyone!

“One of the most important things you can do on this earth is to let people know they are not alone.”― Shannon L. Alder

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My Path and My Work

My name is Jessica Margotta, I was born and raised in Nashville, TN. I graduated from Belmont, with a Bachelors in Psychology and Business Management. I started my journey into the healthcare industry in 2016. I specialize in private insurance, but work with the public marketplace as well. My goal was to get to a position where I had options for everyone no matter the situation and have been dedicated to helping individuals find their best coverage options available while saving money. As your agent for life, I will guide you through the process, ensuring that you find the perfect plan that meets your needs. I am committed to being your advocate, answering all your questions, and presenting every available plan to you. With 95% of Americans on the wrong insurance plan. I strive to help write that wrong and help provide peace of mind. By personalizing health insurance plans to fit individual needs and budgets, I offer options that can be adjusted accordingly. Working with multiple carriers nationwide gives me access to a wide range of plans, both public and private. As your insurance broker, I will walk you through this process step by step, ensuring that you have a comprehensive understanding of how your plan works and what it covers. I look forward to getting to work with you and helping you in your last search for insurance!

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"You have power over your mind – not outside events. Realize this, and you will find strength." – Marcus Aurelius

Plans We Offer

Gauranteed Issue

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Satisfaction Guaranteed

Truly Top-Notch

Our motto is H.O.P.E.(Helping Other People Everyday). Standing behind that 100%. With our $0 deductibles, low premiums, and outstanding benefits, that insure you and your family coverage no matter what life-throws at you! We understand health insurance is a big decision. For 7 years we have prided ourselves in walking through this process together.

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  • PHCS PPO Network 

  • $0 Deductible

  • $0 Copays

  • Rate Guarantee - 12 months

  • Guaranteed Issue

  • Comprehensive coverage

  • Emergency Room/Hospital Visits

  • Health and Wellness, (PCP/Specialist)

  • Accident and Sickness

  • In and out-patient surgical benefits.

  • Accident Coverage, (on or off the job).

  • Guaranteed renewable until age 65.

  • Chiropractic visits

  • Critical illness benefits

  • Telehealth service, MDLive

  • HRA 105 Qualified 

Secure Advantage

  • Choice Plus PPO Network

  • Deductible Options - $2,500-$10,000

  • $0 Copays

  • Rate Guarantee - 12 months

  • Low Out-Of-Pocket Maximum

  • Comprehensive coverage

  • Emergency Room/Hospital Visits

  • Health and Wellness, (PCP/Specialist)

  • Accident and Sickness

  • In and out-patient surgical benefits.

  • Accident Coverage, (on or off the job).

  • Guaranteed renewable until age 65.

  • Chiropractic visits

  • Critical illness benefits

  • Telehealth service, MDLive

  • HRA 105 Qualified 

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Vision

  • 1 Free eye exam a year.

  • NO Waiting Periods!

  • $10 Copay for frames, lenses, or contacts.

  • $10 Copay for scratch resistance, anti-glare, or transitional lenses.

  • $120 yearly allowance and 30% off anything over.

  • Spectera Eyecare Network

  • Accepted at all major retailers (LensCrafters, America's Best, Vision Works, Walmart, Target Optimal, and more).

Month-To-Month

  • Choice Plus PPO Network 

  • $0 Deductible

  • $0 Copays                                                                                                                                                                                                        

  • Rate Guarantee - 24 months

  • Out-Of-Pocket Maximum - $3,000

  • Comprehensive coverage

  • Emergency Room/Hospital Visits

  • Health and Wellness, (PCP/Specialist)

  • Accident and Sickness

  • Choice Plus PPO & PHCS PPO Network

  • In and out-patient surgical benefits.

  • Accident Coverage, (on or off the job).

  • Guaranteed renewable until age 65.

  • Chiropractic visits

  • Critical illness benefits

  • Telehealth service, MDLive

  • HRA 105 Qualified                                                                                                                                                                                                                                                                                                                                                                                                                           

Dental

  • Two Free teeth Cleanings a year.

  • Prevenative Care-100% covered, NO waiting periods!

  • Basic Care-80% covered, 30 Day waiting period.

  • Major Work-70% covered 

Accident Protector

  • Coverage in the case of an accident, (broken bone,torn ligaments, allergic reaction, food poisoning, spider, etc.)

  • Covers ambulance rides, life flight transportation, and medical equipment.

  • Coverage amounts range from $2,500-$15,000.

  • Depending on the coverage amount, deductible amounts range from $250-$500.

Marketplace

  • ​Guarantee Issue (get approved no matter what)

  • Subsidized Premiums (If you make under a certain income, depending on household size, you can be eligible for a discount from the government, on your monthly premiums).

  • Coverage for pregnancy, mental health, and drug and alcohol rehabilitation.

  • Variety of deductibles

  • HMO, EPO, & PPO Networks available.

  • Several carriers to choose from, (BCBS, United Healthcare, Cigna, Atena, Ambetter, Kaiser, and more.)

Catastrophic Coverage
  • Accident Coverage (on or off the job).
  • Blanket Critical Illness Coverage
  • Short-Term Accident Disability Coverage
  • Hospital Room & Board Benefit
  • AD&D- Accidental Death & Dismemberment.
  • Short-Term Life Insurance
  • *All Catastrophic Options, come with Teladoc services, through MDLive. (virtual doctor visits).*
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