Your Health Insurance Advocates LLC 863-588-1615 a non-government entity

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  • More
    • Home
    • Welcome
      • About Us
      • Healthcare Needs Map
      • Schedule Appointment
      • Our Mission
      • TESTIMONIALS
      • News Letters
      • Blog
      • Our YouTube Channel
    • MEDICARE
      • Medicare
      • HSAs with Medicare
      • Inflation Reduction ACT
      • Medicare Renewals ANOC
      • Choose your Direction
      • PARTS OF MEDICARE
      • Medicare Costs
      • Meet IRMAA
      • Enroll in MEDICARE
      • Medicare 101 Videos
      • Medicare Supplements
      • Medicare Advantage
      • Part D - Prescription
      • Wellness & Physical Exams
      • Quotes for Medicare
      • Medicare DOESN'T Cover
      • Extra HELP
      • Penalties/Appeals
      • Medicaid
      • Home Health Care
      • Help / Gov Sites
      • Senior Websites
      • WellBe Health Asst
      • LINKS
      • AARP Membership
      • Away from USA
    • U65 & Ancillary
      • Ind/Fam Plans U65
      • Group Census Info
      • Quotes
      • Dental & Vision
      • Accident
      • Critical Illness
      • Disability
      • Final Expense
      • Funeral Planning
      • Hospital Indemnity Plans
      • Pet Insurance
    • GROUP Ins
      • Employer NJ forms
    • Disability
      • Disability
    • Social Security
      • When Does It Start
    • National Life
      • RETIREMENT
      • NLG
      • Life Insurance
      • Life Insurance_2
      • Gift of Life
      • IRA's
      • IUL Life Insurance
      • Annuities
      • Financial Calculators
    • ValuTeachers
      • Find Out More
      • Career with ValuTeachers
      • Ready and sign up
    • Mentor Broker Program
      • BROKERS Back office
      • Medicare Mentor Program
    • CRM Technology
    • About
  • Home
  • Welcome
    • About Us
    • Healthcare Needs Map
    • Schedule Appointment
    • Our Mission
    • TESTIMONIALS
    • News Letters
    • Blog
    • Our YouTube Channel
  • MEDICARE
    • Medicare
    • HSAs with Medicare
    • Inflation Reduction ACT
    • Medicare Renewals ANOC
    • Choose your Direction
    • PARTS OF MEDICARE
    • Medicare Costs
    • Meet IRMAA
    • Enroll in MEDICARE
    • Medicare 101 Videos
    • Medicare Supplements
    • Medicare Advantage
    • Part D - Prescription
    • Wellness & Physical Exams
    • Quotes for Medicare
    • Medicare DOESN'T Cover
    • Extra HELP
    • Penalties/Appeals
    • Medicaid
    • Home Health Care
    • Help / Gov Sites
    • Senior Websites
    • WellBe Health Asst
    • LINKS
    • AARP Membership
    • Away from USA
  • U65 & Ancillary
    • Ind/Fam Plans U65
    • Group Census Info
    • Quotes
    • Dental & Vision
    • Accident
    • Critical Illness
    • Disability
    • Final Expense
    • Funeral Planning
    • Hospital Indemnity Plans
    • Pet Insurance
  • GROUP Ins
    • Employer NJ forms
  • Disability
    • Disability
  • Social Security
    • When Does It Start
  • National Life
    • RETIREMENT
    • NLG
    • Life Insurance
    • Life Insurance_2
    • Gift of Life
    • IRA's
    • IUL Life Insurance
    • Annuities
    • Financial Calculators
  • ValuTeachers
    • Find Out More
    • Career with ValuTeachers
    • Ready and sign up
  • Mentor Broker Program
    • BROKERS Back office
    • Medicare Mentor Program
  • CRM Technology
  • About

wHERE WE SHINE

Your Health Insurance Advocates (www.insadvocates.com) stands out because they prioritize you—your health, your budget, and your peace of mind. Here’s why working with them is a smart choice:

✅ Personalized Guidance

Unlike big-box insurance companies, they take the time to understand your unique needs and find the best plan tailored to you. No one-size-fits-all solutions here!

💰 Cost-Saving Expertise

They help you navigate the complexities of health insurance, ensuring you maximize benefits while minimizing costs. That means no hidden fees, unnecessary add-ons, or surprises.

🏆 Advocacy & Support

They don’t just sell you a policy and disappear. They advocate for you year-round, helping you with claims, billing issues, and plan changes.

🍎 Special Appreciation for Teachers

At Your Health Insurance Advocates, we hold a deep respect for teachers and educators. We recognize the incredible work you do and are committed to providing tailored Retirement solutions that honor your dedication and service.

🤝 Trust & Transparency

With their independent status, they work for you, not the insurance companies. Their advice is always in your best interest, not based on commissions.

⏳ Hassle-Free Enrollment

They simplify the entire process, from comparing plans to enrollment, so you can focus on what matters—your health and well-being.

If you want an insurance experience that’s stress-free, cost-effective, and built around your needs, Your Health Insurance Advocates is the right choice. 💙

Want a free consultation? CALL US  today! 🚀

About Us

Lynne Clausen

Lynne Clausen

Lynne Clausen

FL License# W237003

CA License # 4089910 

AZ, CT, D.C., DE, GA HI, IL, IN, MD, ME, MI, NC,  NJ, NV, NY, OH, PA, SC, TN, TX, VA, VT, WI, WV


863-588-1582  

click on my pic to email me 

to schedule an appt, see blue button at very bottom


Lynne Clausen has over 27+ years of experience in the Employee Benefits/Insurance arena.  


  If there is a solution, she'll put you on the right path! 


Our founding principle is to help clients achieve their financial and retirement goals.  


Navigating the intricate world of employee benefits and insurance isn't just about policies; it's about people. From my early days at Oxford Health Plans, managing the Small Group Sales Team, to my pivotal role at CIGNA Healthcare, I've always believed that the heart of healthcare lies in understanding and addressing the unique needs of each client. My journey through the health insurance sector has been a blend of learning, evolving, and leading.


In 2000, I embarked on a mission to empower brokers by handling the complexities of Employee Benefit programs, Retirement, Social Security, and Medicare, allowing them to focus on their strengths. This led me to establish my own sales and service organization, a venture that has not only been rewarding but has also been recognized for its excellence in sales and customer service.


My commitment to the industry is further demonstrated through my active involvement with the National Association of Health Underwriters NJ Central Chapter, where I served as Past President. My passion for effective communication and human relations, honed through the Dale Carnegie Course and my ongoing role as a graduate assistant, has been instrumental in my professional journey.


Holding various licenses in Life & Health, Property & Casualty, Personal & Commercial Lines, Real Estate, and being Medicare Certified, along with a Certification in Consumer Directed Healthcare, I bring a comprehensive understanding of the insurance landscape.


I'm on LinkedIn to connect with like-minded professionals who are passionate about making a difference in the health insurance and benefits arena. Whether you're a broker looking for support, a fellow industry professional keen on sharing insights, or someone curious about navigating the complexities of employee benefits, I'm here to engage, learn, and collaborate.


Let's connect and explore how we can make a meaningful impact together. If you found this introduction helpful or are interested in the content and connections I'm looking for, feel free to give this post a like, drop a comment, or even repost. Together, we can drive change and foster success in our industry.



BOOK AN APPT

Lynne Clausen

Lynne Clausen

https://rebelrates.com/agent/LynneClausen


Health Insurance gets more complicated every day, so we can all use a helping hand to sort out what the best options really are.  We are always happy to go over the coverage options available to you.  A little hands-on assistance from a senior agents like Lynne or Sue can be valuable to you as you make your choice.  This will give you a better understanding of what you are choosing and the benefits the plans provides.


  The financial and healthcare consequences of choosing a health plan without access to all the facts can be consequential to you and your family.  





No Fees 

for our Services our Insurance Carriers pay us when we write an application with you.




Are you turning 65 




Do you need Extra Help with Medicare?


Do you need help enrolling into

 Parts A or B



We give clients A REASON to do business with us.  Click on our Testimonials.



Did you receive a Penalty that you feel shouldn't have been imposed?




Do you know about IRMAA is or how much your Medicare Part B will cost you based on your IRMAA?



Please RATE us on 

Google 


Sue Smigelsky

Lynne Clausen

Sue Smigelsky

NJ License # 1044997

 FL, GA, MA, MI, NJ, NY, PA 


863-588-1587

click on my pic to email me

to schedule an appt, see blue button at very bottom


 Did you know that behind every successful team, there's often an unsung hero who orchestrates the symphony of day-to-day operations with grace and efficiency? Meet Susan “Sue” Smigelsky, a powerhouse with 28+ years of administrative management experience, whose journey from the front desk to leading operations teams is nothing short of inspiring.

Starting as the welcoming face of the company, Sue quickly demonstrated her unparalleled dedication and a go-getter attitude. She wasn't content with just doing her job; she was determined to excel in it. Through her journey, Sue has worn many hats - from a Front Desk Receptionist to an Executive Assistant, and now, a key player in operations management. What sets Sue apart is not just her ability to adapt and excel in various roles but her genuine commitment to the team's success.

Working closely with Lynne Clausen, Sue has become an indispensable part of the client journey, ensuring a seamless experience from the initial quote to the final application. But her role doesn't end there; Sue is committed to being there for clients, addressing their concerns, and answering their questions, making her our Resident Prescription Drug expert.

What drives Sue? It's her vision for the company and her relentless pursuit of excellence. She believes in going above and beyond, not just to meet expectations but to exceed them. This philosophy has not only contributed to her personal growth but has also significantly impacted the teams and clients she works with.

I'm here to connect with like-minded professionals who are passionate about making a difference, whether it's through operational excellence, client service, or team leadership. If you're someone who values dedication, innovation, and a team-first attitude, I'd love to hear from you. What's your story? How do you strive to make a difference in your role?

Let's connect and make an impact together. 


Sue, our Medicare Guru

BOOK AN APPT

Your Health Insurance Advocates

863-588-1615

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