Hello, I'm Lisa Zehner — let's find the health coverage that truly fits your life.

Great question. When you go directly to a carrier, that agent works for the company — not you. As an independent broker, I represent multiple carriers and shop the market on your behalf. That means more choices, honest comparisons, and no sales pressure from a single company.

My brokerage services are free to you. I'm compensated by the insurance carriers when you enroll in a plan — the same premium you'd pay either way. Think of me as your personal insurance navigator, and the consultation is always complimentary.

Medicare has several parts and many plan types — Original Medicare, Medicare Advantage, Part D, and supplemental plans. Each has different costs, networks, and coverage. I'll walk you through every option, explain the trade-offs in plain English, and help you pick the path that matches your health needs and budget.

Absolutely. Many of my clients come to me after realizing they're overpaying or undercovered. I'll review your current plan, check for better alternatives, and help you make changes during the right enrollment window — or after a qualifying life event.

I'm based in Collierville and primarily serve clients throughout Shelby County and the greater Memphis area — including Bartlett, Germantown, Lakeland, and surrounding communities. I also work with clients remotely across Tennessee.