Insurance guidance that actually works for you.
Huth Insurance Services brings personalized broker service to the Chippewa Valley and Eau Claire area. Melinda shops multiple carriers, handle the details, and keep your interests first.
The right insurance plan for every need.
Should you have any inquiries, please feel free to reach out to me regarding any of these services.
Built on trust and local expertise
My journey began with a fundamental principle: insurance should serve the interests of individuals rather than oppose them. Over the years, I have dedicated myself to understanding the genuine needs of families and individuals in Eau Claire.
My Story
What our great clients say about us.
I cannot recommend Melinda enough!
“I cannot recommend Melinda highly enough! Health insurance can feel overwhelming and confusing, but Melinda makes the entire process simple, clear, and stress free. Also, she genuinely cares, she isn’t just helping you pick a plan, she’s helping you protect your health, your family, and your financial future.”
Melinda is extremely knowledgeable
“Melinda is extremely knowledgeable about a subject that is constantly changing. I felt very confident and comfortable in her knowledge that she shared with me regarding my health plan. 2 years after getting kicked off my parents' insurance at 26, I finally have insurance again!”
Fantastic at marketplace navigation
“Melinda is fantastic at marketplace navigation, sign ups, and follow-up. My wife was able to find a health and dental plan that fit our budget and her needs. I highly recommend Melinda!”
Melinda was wonderful and patient
“Melinda did a great job explaining all the different insurance plans and which one would be the best for us. Not an easy task but she was wonderful and patient.”
Melinda was outstanding
“Melinda was outstanding—patient, clear, and poised as she helped my wife navigate the “mysteries” of Marketplace insurance, even though we ultimately chose a medical share option. A true powerhouse of the “Huth Power Team."
Time and stress saver
“Highly recommended! Quick to respond, Knowledgeable and educate clients on options. Melinda is a time and stress saver."
Have questions? I have the answers you need.
If you have inquiries regarding insurance, rest assured you are not alone. The complexities of this subject increase annually.
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Short-Term Medical insurance is temporary health coverage designed to fill gaps when someone needs insurance for a limited period of time. These plans provide basic medical protection for unexpected illnesses or injuries.
Generally, no. Most Short-Term Medical plans do not cover pre-existing conditions and may review medical history during the application process.
Medicare coverage is divided into several parts:
- Part A – Hospital insurance
- Part B – Medical insurance (doctor visits, outpatient care)
- Part C – Medicare Advantage plans offered by private insurers
- Part D – Medicare Part D prescription drug coverage
Medicare programs are overseen by the Centers for Medicare & Medicaid Services.
The ACA Marketplace is a federal platform where individuals and families can compare and enroll in health insurance plans, often with financial assistance or premium subsidies.
Many people add supplemental coverage such as:
- Dental insurance
- Vision insurance
- Hospital indemnity plans
- Accident insurance
- Disability income protection
These plans can help reduce out-of-pocket costs if an unexpected medical event occurs.
Important tip: Short-Term Medical plans are intended as temporary protection, not a permanent replacement for comprehensive health insurance.
Short-Term Medical plans are commonly used by people who are:
- Between jobs
- Waiting for employer benefits to begin
- Recently graduated from college
- Self-employed and seeking temporary coverage
- Early retirees not yet eligible for Medicare
- Waiting for the next Open Enrollment period
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