What if one accident drained your savings?
I make sure that never happens.
30+ years protecting families with health, supplemental, and life insurance solutions that fit your life.
Dorothy "Michelle" Niederer
30+ years helping families protect their peace and their future.
Hi, I’m Michelle Niederer. For over 30 years, I’ve been helping families find insurance that actually works when life doesn’t go as planned.
30+ years helping families protect what matters most.
Licensed in 10+ states with 300+ carrier partnerships.
Thousands of clients served with peace of mind.
Insurance isn’t just about policies. It’s about peace. I make sure your family is covered—no matter what life throws your way.
Who is Michelle?
In less than 2 minutes, see how I help families avoid costly gaps and protect what matters most.
What We’ll Cover in Your Call
HEALTH
INSURANCE
Find affordable coverage your doctor accepts.
SUPPLEMENTAL
PLANS
Close the gaps your primary insurance leaves open.
MEDICARE
PLANS
Get the right plan for your needs and control your costs.
LIFE
INSURANCE
Protect your family’s future with the right plan.
INDEXED
UNIVERSAL LIFE (IUL)
Grow tax-advantaged wealth while protecting loved ones.
Frequently Asked Questions
Get quick answers to the things people ask me most.
HEALTH
INSURANCE
How much will my health insurance cost?
It depends on your income, household size, and the plan you choose. Many of my clients qualify for subsidies that lower the monthly premium significantly, sometimes even to $0. I’ll walk you through your options so you only pay for what you need.
Will my doctor be covered?
That’s one of the first things we check. I make sure the plans we look at include your preferred doctors, specialists, and local hospitals before you make any decision.
What’s the difference between bronze, silver, and gold plans?
It’s mainly about how much you pay each month vs. how much you pay when you use care. Bronze plans have lower premiums but higher costs when you get care. Gold is the opposite. I’ll help you match the right plan to your health and budget.
SUPPLEMENTAL
PLANS
Why do I need supplemental insurance if I already have health coverage?
Health insurance pays the doctors and hospitals. Supplemental insurance pays you directly to help with lost income, travel, or out-of-pocket costs your main plan doesn’t cover.
How much does supplemental insurance cost?
It’s usually much less than people expect — often just a few dollars a week. Costs vary based on your age, coverage type, and benefit amount. I’ll show you plans that fit both your needs and your budget.
What types of situations does it cover?
It depends on the plan, but there are options for accident injuries, cancer diagnosis, critical illness, or hospital stays. You can choose one type or combine them for broader protection.
MEDICARE
PLANS
What’s the difference between Medicare Advantage and Medicare Supplement plans?
Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare, often including prescription coverage. Medicare Supplement plans (Medigap) help pay out-of-pocket costs that Original Medicare doesn’t cover. I’ll walk you through which works better for your health and budget.
When can I sign up or change my plan?
You can enroll when you first become eligible for Medicare, or during the Annual Enrollment Period each fall. Certain life events can also qualify you for a Special Enrollment Period.
Will my prescriptions be covered?
I check each plan’s drug formulary to make sure your medications are covered at the best cost possible.
LIFE
INSURANCE
How much life insurance do I really need?
A good rule of thumb is enough to replace your income for several years, cover debts, and secure your family’s future plans. I run a needs analysis for you so you know exactly what makes sense.
What’s the difference between term and whole life insurance?
Term covers you for a set period, usually at a lower cost. Whole life lasts your entire life and can build cash value. I’ll help you decide which matches your goals.
Can I get coverage if I have health issues?
In many cases, yes. I work with over 300 carriers, so I can find options that fit a wide range of health situations.
"I want to thank you for everything. That cancer policy saved my life. I was so behind on bills etc. I just got the check for 100K today. I was so happy I cried as the stress about money was taking a toll on me."
"Michelle has been my insurance agent for the past 3 years. I have found her to be very knowledgeable, very responsive, and extremely friendly. I recently lost my wife and during that time, Michelle has reached out just to see how I was doing very often. I could tell that she cares for me on a personal level and not just as her client. She has helped me navigate the insurance process when you deal with hospitalization and death, without hesitation. Michelle has a great sense of humor and has made me smile in this very difficult experience. I have worked with insurance agents in the past, and I have not ever worked with a better one than Michelle Niederer."
"Michelle came recommended to me as I had been without health insurance coverage for years and I was experiencing difficulties finding a healthcare plan that covered my needs. As a 50 year old man, I had specific health concerns that had worried me for awhile. Michelle made suggestions and influenced my decision on coverage that was affordable. I was ultimately able to eliminate my healthcare concerns as Michelle got me more screenings and doctor assistance than I expected."
“Michelle takes the time to explain everything so I understand it. You can tell she truly cares because it shows in her patience. Most importantly, she actually answers the phone when I call for help. I’ve had other agents who disappear after writing the policy — Michelle has been there for me every time, maintaining an excellent customer relationship.
Why Now Is the Best Time to Review Your Coverage
Lock in better coverage while you’re healthy.
Avoid paying more later when costs rise.
Protect your savings before the unexpected happens.
Ready to See Where You Stand?
I only reserve a handful of calls each week. Please book a time you’ll commit to—this is your opportunity to finally get clarity about your coverage.
I’ve walked families through some of life’s hardest seasons. The right coverage made all the difference.
Let me help you do the same.
Discernment
I don’t sell what’s trendy. I guide what’s true.
Honor
Every family I serve is sacred. Every moment we share is mutual.
Legacy
This isn’t about coverage. It’s about what outlives you.
Dorothy "Michelle" Niederer
Independent Insurance Broker — Access to 300+ Carriers
NPN #: 7271133
Lic: CA 0K00179
Lic: ID 584915
Lic: MT 3000074137
Lic: OR 7271133
Lic: HI 7271133
Lic: OH 1607102
Lic: WA 123585
Lic: TX 3227906
Lic: SD 40737543
Get In Touch
Assistance Hours :
Mon – Fri 9:00am - 6:00pm
Saturday – Appointment Only
Phone: (808) 990-1620
Disclosures & Compliance
We do not offer every plan available in your area. Any information provided is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
Insurance product availability, costs, and features may vary by state and carrier.
No coverage is in force until an application is approved and premiums are paid.
This website is for informational purposes only and is not a guarantee of coverage.
Any testimonials or examples are for illustrative purposes only and do not represent a promise of similar results.
Privacy
By submitting your information, you agree to be contacted by a licensed insurance professional.
Your information will never be sold to third parties. See our [Privacy Policy].
© 2025 Real Coverage Coach
Legacy isn’t a product. It’s a decision.
All Rights Reserved.
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