Welcome to Crest Benefits
Coverage You Can Trust, From a Partner Who Cares
Independent Health Insurance Agency
Choose clarity.
Crest Benefits is an independent agency helping individuals and families find health coverage that actually fits — plus small businesses building a benefits package that works financially for the employer and the employee alike.
Choose clarity. Choose Crest Benefits.
Learn moreCoverage
Explore our insurance services
Health Insurance
For Individuals & Families
Marketplace and private plans compared side by side, with subsidy eligibility checked before you enroll.
Learn moreLife & Final Expense
Protection for Loved Ones
Term life, whole life, and simplified‑issue policies. We help you choose based on what will genuinely support your family.
Learn moreGroup Benefits
Level-Funded, ICHRA & More
Small-business plans, renewals and enrollment support that keeps your team covered and your budget intact.
Learn moreOur approach
Straightforward from the first call
Insurance shouldn’t feel like learning a new language. We keep things simple: plain explanations, clear numbers, and a walkthrough you can follow without needing a glossary.
- 01
A real conversation
We start with learning about who you, your family, or your business are and what your health care needs are first.
- 02
Options, side by side
We shop multiple carriers and show the tradeoffs in plain language.
- 03
Enrollment handled
Paperwork, deadlines and carrier calls — we do that part for you.
- 04
We stay on the file
Claims questions and yearly reviews are part of the service, at no cost.
Client reviews
What our clients say
She took the time to explain every benefit in detail so we could make an informed decision for the company and our employees. Always responsive, always following up.
Incredibly personable and genuinely knowledgeable. I trust her completely and could not appreciate her more.
She recommended a plan I didn't even know was an option, and it saved us thousands. She made the whole process stress-free.
Caring and compassionate about her work, with the best interest of the client at heart. Would fully recommend to any company looking for a broker.
She answered every question as we navigated early retirement and health insurance. I may not have retired early without her help.
Very consistent, and she does exactly what she says she will do. I'm thankful for the help.
About us
Meet Michelle DeMeter, Founder & Owner
Michelle DeMeter is the founder and owner of Crest Benefits, an independent insurance agency built on a simple idea: clients deserve an advisor who remains committed long after the initial enrollment. We're licensed, independent, and compensated by the carrier — which means our guidance is unbiased, transparent, and provided at no cost to you.
From individuals or families to business owners managing employer benefits for a growing team, clients stay with Crest Benefits because our advice is consistent, reliable, and designed to create clarity out of confusion.
Contact
Let's review your coverage
Send a few details and we'll come back with options and an honest recommendation. No pressure, no fee.