Real guidance from real people.
Insurance decisions are easier when you can ask a person who will explain the tradeoffs, answer the follow-up questions, and tell you when something is not a fit.
A 15-minute phone consultation. Start with your questions, not paperwork.
The conversation starts with your situation.
Coverage Babe helps individuals, families, and business owners make sense of their coverage questions. The conversation starts with who needs help, where they are located, and what is changing. We keep personal health insurance, small-business group coverage, and supplemental employee benefits separate so you can understand the purpose and tradeoffs of each option.
Meet Sean and Lishele Wigand.
Bring the question you have right now — premiums, networks, prescriptions, plan access, costs, or the next enrollment step. Availability and eligibility must be checked for your situation before you choose a plan.
Sean Wigand
Sean works with individuals, families, and business owners on health insurance and employee-benefit questions. Start with your state, who needs coverage, and your timing — he will explain the tradeoffs and tell you when something is not a fit.
Lishele Wigand
Lishele handles quotes, enrollment, and insurance consultations. Bring questions about premiums, networks, prescriptions, or the next enrollment step. Availability and eligibility must be checked for your situation before you choose a plan.
Different needs deserve different conversations.
Personal coverage, business health insurance, and employee benefits are related, but they are not interchangeable.
Individuals and families
Health insurance guidance for households, self-employed people, and people whose coverage needs have changed. Start with who needs coverage, your state, and your timing.
Small-business health insurance
Health-insurance reviews for employers with 5–50 employees. Discuss costs, plan access, contributions, and participation before choosing a group plan.
Employee benefits
Supplemental employee-benefit reviews for employers with 5+ employees. These programs are not a replacement for major medical health insurance; eligibility needs a separate review.
Ask the question you have right now.
Book a consultation →A clearer place to start.
We can sort through the specifics in a focused conversation.
Do I need to choose a product before we talk?
No. Start with your question, your state, and your timing. For personal coverage, think about your doctors, prescriptions, and budget. For a business, start with team size, current coverage, and renewal timing. A first conversation helps identify the relevant next step; it is not a commitment to enroll.
Would I be speaking about health insurance or employee benefits?
We keep personal health insurance, small-business health insurance, supplemental benefits, and PEO services separate. Each has different requirements and a different review process.
Prefer to write first?
Use email to send a short note. Please keep medical details and employee documents out of your first message.