A More Personal Approach to Insurance
Family-rooted experience. Personal guidance. Coverage built around you.
Hi, I'm Stephanie Hill!
Insurance has been part of my family's business for nearly two decades. Since 2007, my family has owned and operated CMS Insurance Agency, also known through Medigap4Seniors and NewPlanOptions, helping individuals and families navigate their health insurance needs.
Being part of a family-owned agency has given me an appreciation for something that I believe makes a real difference in this industry: the relationships we build with the people we serve.
Behind every insurance policy is a person or family trying to make an important decision about their healthcare and finances. I believe those decisions deserve time, attention, and thoughtful guidance.
Today, I help individuals and families throughout Metro Detroit understand their Medicare and health insurance options, compare available coverage, and make decisions that fit their needs and budget.
Insurance Should Start With a Conversation
I believe the best insurance guidance begins with listening.
Before comparing plans, I want to understand what's important to you. Maybe it's keeping a doctor you've trusted for years, lowering your monthly expenses, protecting yourself from unexpected medical bills, or making sure your family has dependable coverage.
Whatever your priorities may be, they deserve to be part of the conversation.
I don't believe in recommending a plan simply because it's popular or has the lowest monthly premium. I believe in looking at the bigger picture and helping you understand the benefits and trade-offs so you can make a decision you feel good about.
And sometimes, that means discovering that the coverage you already have is still a good fit.
The Value of a Family-Owned Agency
Since 2007, our family has built its business around helping people navigate the often-complicated world of health insurance.
While insurance plans, regulations, and healthcare costs continue to change, our approach remains centered on personal service and meaningful relationships.
When you work with me, you're not simply comparing policies. You're working with someone who values getting to know you, understanding your priorities, and being available when questions arise.
I'm proud to carry that family-business approach forward while bringing my own personal attention to the people I serve.
What You Can Expect When Working With Me
Personal Attention
I'll take the time to understand your needs, answer your questions, and help you feel comfortable throughout the process.
Clear, Straightforward Guidance
Insurance can be complicated, but our conversations don't have to be. My goal is to explain your options in everyday language so you understand what you're choosing.
Thoughtful Plan Comparisons
Whether we're reviewing Medicare Advantage, Medicare Supplement, prescription drug plans, or individual and family health insurance, we'll consider more than just the monthly premium.
Support Beyond Enrollment
Insurance questions don't always end after choosing a plan. I want to be a dependable point of contact when questions arise or your circumstances change.
Proud to Serve Our Community
I help individuals and families throughout Rochester, Rochester Hills, Shelby Township, Macomb Township, Sterling Heights, Troy, and the surrounding Metro Detroit area.
Whether you're preparing for Medicare, reviewing your current coverage, or exploring health insurance for your family, I'm happy to help you understand your options.
Let's Get to Know Each Other
If you have questions about your coverage or simply want to understand what's available to you, I'd love to connect.
There's no pressure and no obligation to make a change. Just a conversation about your needs and how I may be able to help.
Request a Consultation
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