Julie’s Got You Covered

Is Your Agent Actually Licensed? How Can You Ensure They Are?

Wondering if your health insurance agent is actually qualified to help with your coverage needs? You're not alone. Many Americans unknowingly work with unlicensed insurance "professionals" who lack accountability, proper training, and the legal requirements to sell health plans.

Julie Sears, founder of Integrity Health Insurance Advisors, pulls bac...

What Is The Process For Canceling An Insurance Policy?

Canceling your health insurance seems simple enough—until it isn't. Julie Sears pulls back the curtain on this deceptively complex process that catches many policyholders off guard.

As Julie explains, the mechanics of cancellation vary across carriers. Sometimes your agent can submit the paperwork; other times, you'll need to make that call yourself. But the r...

What Should I Do If I Have Questions About My Insurance Coverage? 

Feeling lost in the maze of health insurance jargon and policies? You're not alone. Julie Sears, founder of Integrity Health Insurance Advisors, brings clarity to the confusion in this enlightening episode about maximizing your coverage.

Julie reveals why calling the customer service number on your insurance card often leads to frustration. While suppor...

What Should I Consider When Choosing A Health Insurance Plan?

Feeling overwhelmed by health insurance options? You're not alone. Julie Sears cuts through the confusion with practical wisdom that transforms how you'll approach your healthcare decisions.

The magic starts with one simple question: "What do you actually use your coverage for?" This perspective shift immediately clarifies whether you need a p...

How Do I Update My Information And Or Bundle My Plan?

From address changes that could save you money to income updates that prevent tax surprises, keeping your health insurance information current is crucial but often overlooked. Julie Sears, founder of Integrity Health Insurance Advisors, breaks down exactly what changes warrant immediate attention and which ones can wait until renewal time.

Have you ever wondered if bundl...

How Does Critical Illness Coverage Work? 

Financial stress shouldn't compound the emotional and physical toll of a critical illness diagnosis. Julie Sears dives deep into the world of critical illness coverage, revealing how this often-overlooked insurance option provides substantial financial protection when you need it most.

Julie expertly breaks down who qualifies for critical illness coverage (spoiler: there are no...

Are There Any Exclusions Or Limitations In Your Insurance Policies? 

Feeling bewildered by the fine print in your health insurance policy? You're not alone. Julie Sears, founder of Integrity Health Insurance Advisors, pulls back the curtain on one of the most confusing aspects of health coverage: exclusions and limitations.

Understanding the distinction between ACA-compliant plans and private options becomes crucial wh...

Do You Offer Insurance Plans For Small Businesses?

Imagine transforming the way health insurance feels for your small business. In our latest episode, we have the pleasure of speaking with Julie Sears, founder of Integrity Health Insurance Advisors. This episode is designed for small business owners feeling overwhelmed by the insurance landscape. Julie breaks down the details of health coverage options available today and focuses on...

What Happens If I Miss A Premium Payment?

Have you ever worried about what happens when you miss a health insurance premium payment? This episode addresses those concerns head-on, empowering listeners with the knowledge they need to navigate the complexities of coverage gaps and grace periods. Join Julie Sears, founder of Integrity Health Insurance Advisors, as she delves into essential information every policyholder needs to know a...

What’s The Best Way To Compare Different Health Insurance Plans To Make An Informed Decision?

Get educated on the secrets to navigating the maze of health insurance with us on Julie's Got You Covered. What if choosing the right plan could save you thousands while ensuring peace of mind? Join Julie Sears, a seasoned expert with over seven years in the industry, as she demystifies the complexities of health coverage. To...

Can I Purchase Supplemental Insurance In Addition To My Existing Health Insurance?

Create your health coverage strategy with Julie Sears, the dynamic founder of Integrity Health Insurance Advisors. Ever wondered how to effectively bridge the gaps in your current health plan? Julie, with her wealth of over seven years of experience, teams up with co-host Sophia Yvette to enter the world of supplemental insurance. From accid...

How Do Subsidies Or Tax Credits Work When Purchasing Health Insurance During Open Enrollment?

Can understanding the nuances of subsidies and tax credits really save you from unexpected financial burdens? Join us on Julie's Got You Covered, where Sophia Yvette and I, Julie Sears, break down the complex world of health insurance aids, turning it into something you can actually use to your advantage. As open enrollment l...

How Can I Get A Quote For Health Insurance?

What if securing the ideal health insurance plan could be as simple and stress-free as speed dating? Join us on Julie's Got You Covered as we uncover the health insurance process with Julie Sears, founder of Integrity Health Insurance Advisors, alongside our lively co-host, Sophia Yvette. This episode promises to transform your approach to health insurance by breaking down c...

What Are The Key Differences Between An HMO, PPO And EPO Plan?

Unlock the secrets to picking the perfect health insurance plan with Julie Sears on "Julie's Got You Covered." Prepare to unravel the complex world of HMOs, PPOs, and EPOs as Julie, alongside co-host and producer Sophia Yvette, guides you through the maze of health insurance options. With seven years of industry experience, Julie offers her exper...

How Do People Know If Their Current Plan Still Meets Their Needs For The Upcoming Year?

Is your health insurance plan truly meeting your needs, or are you unknowingly paying for inadequate coverage? Join Julie Sears and Sophia Yvette as they unlock the secrets to perfecting your health insurance choices. We promise to guide you through the maze of life changes like marriage, divorce, or children leaving the nest, and how t...

Who Is Eligible To Sign Up For Health Insurance During Open Enrollment?

Can finding the right health insurance really be a breeze? On this episode of Julie's Got You Covered, Julie Sears, the founder of Integrity Health Insurance Advisors, answers this very question and much more. Join us as Julie clears up common misconceptions about open enrollment and explains how it’s the perfect opportunity for anyone under 65 to...

What Exactly Is Open Enrollment And When Does It Happen?

Ever thought open enrollment was more chaotic than a Black Friday sale? Don’t worry, Julie Sears and I, Sophia Yvette, are here to guide you through it with an insider's take on making sense of the frenzy. This episode of "Julie's Got You Covered" promises essential insights into finding the perfect health coverage without losing your sanity. With...

Meet Julie Sears with Integrity Health Insurance Advisors

What if navigating the intricate world of health insurance could actually be stress-free? Join me, Julie Sears, along with my co-host Sophia Yvette, as we uncover the heartfelt journey that led to the creation of Integrity Health Insurance Advisors. In this episode of "Julie's Got You Covered," I share the real-life struggles my family faced when my h...