We don't disappear after you enroll
Most agents are there at sign-up and gone by the first claim. MereCare is our promise to stay — with annual reviews, real answers, and hands-on help for as long as you're our client.
Support that lasts longer than the sale
Insurance isn't a one-time decision — plans change every year, and so does your life. MereCare keeps your coverage working the whole way through.
Annual plan reviews
Every year we re-check your plan against the new formularies, premiums, and networks — because last year's best plan may not be this year's.
A real person to call
When something comes up — a denied claim, a new prescription, a confusing letter — you call or text a person who knows you, not a call center.
Claims & billing help
We help you understand a bill, sort out a denied claim, and push back when something isn't right.
Enrollment & changes
Moving, retiring, turning 65, or hitting a special enrollment period? We handle the paperwork and timing so you don't miss a window.
Plain-English answers
No jargon, no pressure — just clear answers whenever your coverage raises a question.
Always at no cost
MereCare is included. Plan prices are the same with or without us, so the ongoing support is simply part of being our client.
Care that follows you, year after year
We get you covered
We compare your options and enroll you in the plan that fits your doctors, medications, and budget.
We stay in touch
You get a real point of contact — and a proactive review before each plan year so nothing slips.
We're here when life changes
New meds, a move, a diagnosis, a milestone birthday — we adjust your coverage as your life changes.
MereCare services — in detail
MereCare isn't a vague promise. Here's exactly what our team handles for you — so you never have to do it alone.
Appointment Scheduling
Don't know who to call or how to get started? Our MereCare team handles all appointment scheduling for you — whether it's your first consultation or a follow-up review. We coordinate directly with your licensed agent so you're always booked with the right person at the right time. No phone trees, no guesswork.
Intake & Prep Forms
Many people are intimidated by insurance paperwork. Our team walks you through exactly what's needed — and explains why — before your appointment. We send prep forms in advance so your licensed agent already has your doctors, medications, and budget details when you meet. That means more time solving problems and less time repeating information.
Onboarding Guidance
Once you enroll, we don't disappear. Our onboarding process makes sure you understand your plan, know how to use it, and have a clear point of contact going forward. We confirm your coverage is active, verify your doctors are in-network, walk you through your ID cards, and answer any questions you have — before your first claim.
Carrier Follow-Up
This is one of our biggest differentiators. When something goes wrong with a claim, a bill, or your coverage — we call the insurance carrier for you. You don't need to sit on hold. You don't need to explain your situation from scratch. Our team contacts the carrier on your behalf, advocates for resolution, and follows up until it's handled.
Renewals & Annual Coverage Reviews
Your health changes. Your medications change. Your doctors change. That's why we proactively reach out before every enrollment season to review your current plan and compare it against what's new. We don't just auto-renew you — we make sure your plan still makes sense for this year's situation.
Extended Support Hours
We're available when you need us most. Standard hours: Monday–Friday, 8:00 AM – 6:00 PM ET. During AEP & OEP season we extend hours until 8:00 PM ET, and we serve clients across multiple time zones.
Multilingual support
Every member of our MereCare Team speaks English, and some speak Spanish — or even more than two languages. We proudly support ongoing language learning as part of our commitment to better serve you. Each team member spends 30 minutes a day improving their English and/or Spanish. We may not speak perfectly, but we always lead with care, humility, and determination. That's the Mere way.
Meet the Mere Benefits team
Licensed agents for the decisions, a trained MereCare team for everything around them.
Kate Spilsbury
Founder & Licensed Insurance Agent
English & Spanish
Read Kate's bio
Jim Partlow
Licensed Insurance Agent
English
Read Jim's bio
Ellen Janine Lamorena
Customer Service Specialist
English, Tagalog & Ilocano
Read Ellen's bio
Rica Mae Hojas
Customer Service Specialist
English, Spanish, Tagalog & Visaya
Read Rica's bioMereCare FAQ
Can I schedule an appointment with a MereCare Team member?
The MereCare team handles scheduling, prep, and follow-up — but your actual insurance consultation is with a licensed agent. When you call or reach out, a MereCare team member will gather your information, send you prep forms, and get you booked with the right agent for your needs.
I wanted to talk to my licensed agent — why can't I?
Our licensed agents are often in back-to-back consultations, especially during enrollment season. The MereCare team is trained to handle most service requests — scheduling, carrier follow-ups, billing questions, and plan inquiries. If something requires your agent specifically, they'll escalate it and make sure you're connected.
Are MereCare Team members licensed insurance agents?
No — and that's by design. MereCare team members are trained support specialists who handle the service side: scheduling, carrier communications, form preparation, and follow-ups. They are not licensed to give insurance advice or recommend plans. That's what your licensed agent does. This division ensures you always get expert-level guidance from the right person.
What can't the MereCare Team help me with?
MereCare team members cannot recommend specific plans, provide insurance advice, or make changes to your coverage. Those decisions are always handled by your licensed agent. If your question requires licensed guidance, the MereCare team will flag it and get you connected with the right person.
What if my usual MereCare Team member isn't available?
All MereCare team members have access to your client records and history. If your primary team member is unavailable, another team member can step in and pick up right where you left off — without you having to re-explain everything.
Become a MereCare client
Get covered once, and get looked after for the long haul. Start with a no-pressure conversation — there's never a cost to work with us.
- No cost to you
- RSSA® · CMIP®
- No pressure, ever