I'm Michelle, and I take insurance personally.

Most people don't grow up dreaming about insurance. I didn't either. But somewhere along the way, I realized that the gap between "having insurance" and "being properly covered" was ruining people's lives -- and almost nobody was helping them close it. So that became my job.

Michelle Blinco Smith at her desk

How I ended up obsessed with insurance

I got into this industry because I watched people I cared about get crushed by medical bills they thought were covered. I saw families pick the wrong Medicare plan because no one explained the difference. I talked to self-employed people paying $900 a month who qualified for a $200 plan and didn't know it.

The problem was never that good coverage didn't exist. The problem was that nobody sat down and actually explained the options. That's what I do. I sit down -- or get on the phone, or hop on a Zoom -- and I explain the options. All of them. In plain English. With real numbers. And then I help you pick the one that fits your life, not just your budget.

I'm not casual about it, either. I check formularies. I verify networks. I read the fine print so you don't have to. My friends think I'm a little intense about it. My clients are glad I am.

Credentials & Experience

Licensed Agent

Licensed in the state of South Carolina. Licensed to sell health, dental, vision, life, and supplemental insurance.

Certified

ACA marketplace certified, Medicare Advantage, Medicare Supplement, Part D certified. Continuing education every year because the rules change every year.

Experience

Years of experience in health, dental, vision, life, and supplemental insurance helping individuals and families navigate the insurance landscape.

Carriers

Blue Cross Blue Shield, Ambetter, UnitedHealthcare, Cigna, Humana, and others. I'm not employed by any carrier. I work for you.

The Blinco Audit

Uncover

Show me where you stand.

And I don't disappear.

After the audit, I stay in your corner. Annual reviews, life changes, open enrollment -- I'm a call away.

The Blinco Audit

  1. 1

    Uncover

    Show me where you stand.

  2. 2

    Decode

    Here's what it actually means.

  3. 3

    Compare

    Here's what else is available.

  4. 4

    Protect

    Here's what I recommend and exactly why.

And I don't disappear.

After the audit, I stay in your corner. Annual reviews, life changes, open enrollment -- I'm a call away.

Areas Served

I'm based in Summerville, SC, and I serve families and individuals across the Lowcountry. Most of my clients are within 30 minutes of me, but I work with people across South Carolina by phone and video too.

And I don't disappear.

This is the part most agents skip, and it's the part that matters most. Your life changes. Plans change. Subsidy rules change. Every year, I reach out to review your coverage and make sure it still fits. If you have a baby, lose a job, get married, move, or just have a question at 2pm on a Tuesday -- you have my direct number.

Ready to talk?

No pressure. No pitch. Just a conversation about what you need and how I can help.

Find My Coverage