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Effingham Magazine

Melissa McBride Stille of Stille-DeWitt Health Brokerage, LLC

Melissa McBride Stille of Stille-DeWitt Health Brokerage, LLC


Co-Pays • In Network • Out of Pocket • HMO
PPO • Medicaid • Medicare • CHIP


You may not know what any or all of these terms mean but there is someone who does know—licensed insurance agent and health care broker Melissa McBride Stille. After over 15 years in the health insurance industry, she is your best ally in obtaining health insurance that works best for you and your family.

Because she is locally focused, Melissa has a true understanding of our community. Being local means she can get to know you and understand your individual needs and situation. Being local means she is available for face to face interactions. You can meet in person, get answers via text, send her an email that gets answered quickly—whatever works for you. Try doing that at a big company with an 800 number! You never have to yell “Customer Service” into the phone because the person who picks it up is Melissa!

With the depth of knowledge obtained from years of experience she can help simplify the often confusing process of signing up for health insurance. Melissa has already done the groundwork and research for you. Being an independent health insurance broker means she works for you—the client.

As Your Agent:

•          She takes the time to understand your needs

•          Works with you directly, one on one

•          Provides services free of charge to you

•          Provides personalized recommendations

•          Help you enroll in qualified health programs

•          Reviews your health plan annually


Health insurance is both vitally important and often confusing. As your agent Melissa will explain the basic components of health insurance:

•          Premiums

•          Deductibles

•          Policy Limits

•          Exclusions

•          Riders


All of these greatly impact both your care and the cost.

“I know many clients are understandably concerned with cost but the best insurance for you is not necessarily the cheapest. When we look at plans together we will consider all the costs related to the insurance, as well as what you are actually getting for your money.”


Things to consider when comparing plans, even within the same insurance company:

•          Generally a lower premium means a higher deductible, and a higher premium means a lower deductible.

•          Some plans have separate deductibles for different services. For example, a plan might have one deductible for medications and a separate deductible for other services such as physical therapy.

•          Different plans cover prescriptions differently. It is very important to check what the plan offers for the prescription drugs you take and at what price. Many plans have different copayments for different drugs, and some drugs may be much more expensive than others.

•          Most plans have provider networks you need to use to get the lowest-cost care. Make sure the plan’s network works for you. And if you already have a provider you want to keep seeing, make sure they are part of the network.

Melissa says it is important to prepare ahead of time for any life changes that affect your health insurance, such as retirement.

“Don’t wait to start! You need to prepare three months in advance for life/insurance changes. Contact me and we can go over the timeline so you are ready at the right time.” The same goes for open marketplace deadlines—call Melissa and get on track in advance.

Melissa gives every client her cell number—it is even in all of her advertising so that every one, even future clients, can feel comfortable reaching out to her. She lives locally, with an office in Effingham but for the quickest response give her a call on her cell (912) 239-7119.

“I look forward to getting your call and helping you determine your best health care options.”


Cell (912) 239-7119  |

[email protected]