Houtz Insurance LLC

Houtz Insurance LLC Your Insurance Friend With Benefits. We craft comprehensive group insurance solutions for businesses and their employees. Protecting your people is our priority!

Health, dental, vision, life, and disability insurance, plus retirement plans. As an insurance broker at Houtz Insurance LLC, I specialize in crafting comprehensive group insurance solutions for businesses and their employees. My goal is to provide the coverage you need to protect your most valuable asset: your people. I offer a wide range of options, including health, dental, vision, life, and disability insurance, as well as retirement plans. I’m passionate about helping small to midsize companies establish and optimize their insurance plans. With over a decade of experience in the insurance industry, including a background in billing, coding, and claims, I have a deep understanding of both the front and back end of the business. I use this knowledge to educate and support my clients year-round in all areas of medical, dental, supplemental, and life insurance. My life is full of diverse experiences, which I believe enriches my work. I’m a mother of four boys and I have a passion for animals (except birds!). I also enjoy cooking, exploring new places, and staying active in the outdoors. You might find me hiking, kayaking, gardening, or enjoying a bonfire. I’m also an avid motorcycle rider and love expressing my creativity through photography, sketching, and painting. And, yes, I’m known to sing along to the radio, especially in the car! I’m originally from Pennsylvania but have embraced a nomadic lifestyle, always open to change. I’ve held various roles, from bartending and nursing assistance to leadership positions in the insurance world. These experiences have shaped my approach to my work and my ability to connect with clients from all walks of life. At Houtz Insurance LLC, we’re committed to providing top-notch service and building lasting relationships with our clients. We offer expertise, customer-focused solutions, comprehensive coverage, and competitive rates. Contact us today to learn more about how we can help you secure the future of your employees and your business.

💰 How premiums are split between employers and employeesWhen it comes to employer-sponsored health insurance, the monthl...
04/16/2026

💰 How premiums are split between employers and employees

When it comes to employer-sponsored health insurance, the monthly premium is usually shared between the employer and the employee.

In many cases, the employer pays the larger portion, and the employee pays the rest through payroll deductions. The exact split can vary depending on the plan, the company’s contribution strategy, and whether coverage is for just the employee or their family.

For example:
If a monthly premium is $600, an employer might pay $450, while the employee pays $150.

That’s why benefits strategy matters. The way premiums are structured can affect affordability, employee satisfaction, and retention more than many business owners realize.

The goal isn’t just to offer coverage; it’s to offer coverage your team can actually afford to use.

If you’re reviewing your employee benefits and want to find the right balance, let’s talk.

Your technicians spend their days keeping everyone else safe on the road. But who’s helping protect them? 🔧Auto repair s...
04/13/2026

Your technicians spend their days keeping everyone else safe on the road. But who’s helping protect them? 🔧

Auto repair shops are fast-paced, physical environments where injuries, repetitive strain, and time away from work can hit hard. Not just for the employee, but for the whole business.

From lifting heavy parts to working with tools, chemicals, and tight deadlines, mechanics take on a lot behind the scenes. That’s why benefits matter in this industry more than most people realize.

The right strategy can help shop owners:
✅ Support employee health and recovery
✅ Offer financial protection through disability or supplemental coverage
✅ Improve retention in a competitive labor market
✅ Show technicians they’re valued beyond the paycheck

Good technicians are hard to find. Keeping them starts with taking care of the people who keep your business running.

If you own an auto repair shop or service business, let’s talk about benefits that make sense for your team and your budget.

Currently sitting in a waiting room… and no, it’s not for a networking meeting this time.It’s my first colonoscopy.And l...
04/10/2026

Currently sitting in a waiting room… and no, it’s not for a networking meeting this time.

It’s my first colonoscopy.

And let me just say—whoever designed the prep… we need to talk 😅

But honestly?
This is one of those things I see from both sides.

On one side—I’m a business owner, busy, constantly moving, always saying “I’ll get to it.”
On the other—I’m in insurance, and I’ve seen what happens when people wait too long.

And those two sides don’t always align… until they have to.

So today, I finally stopped pushing it off.

Not because it’s convenient.
Not because I wanted to.
But because it’s necessary.

If you’re in that same “I’ll schedule it later” phase… just do it.

---

Alright… be honest—what’s something you’ve been putting off that you know you shouldn’t?

Your employees are your company's greatest assets. 💎I often hear from small business owners that offering health insuran...
04/09/2026

Your employees are your company's greatest assets. 💎

I often hear from small business owners that offering health insurance feels like a "luxury" expense. But when you look at the data, it’s actually one of the smartest investments you can make.

The ROI isn't just on paper:
💙 Retention: It’s 10x harder (and more expensive) to hire new talent than to keep the rockstars you already have.
💪 Productivity: Healthy, stress-free employees do better work. Simple as that.
✨ Culture: Offering benefits says, “I value you.” It builds a foundation of trust.

Whether you have a team of 3 or 30, there are tailored plans designed to fit your budget while Protecting Your Greatest Assets. Let’s chat about how we can supercharge your team’s success.

Confused by the math? You’re not alone! Understanding the "science" of your plan is the first step to making it work for...
04/06/2026

Confused by the math? You’re not alone! Understanding the "science" of your plan is the first step to making it work for you. As your Insurance Friend With Benefits, I’m here to help you find that "Goldilocks" plan, not too high, not too low, but just right. 🤝

Questions about your current deductible? Drop them below! 👇

🩺 How to Find In-Network Care (and Avoid Surprise Bills!) 💡Before scheduling your next doctor visit, make sure your prov...
04/02/2026

🩺 How to Find In-Network Care (and Avoid Surprise Bills!) 💡

Before scheduling your next doctor visit, make sure your provider is in-network. It can save you hundreds (sometimes thousands) of dollars. Here’s how:

✅ Log into your member portal.
Most insurance companies have a “Find Care” or “Provider Search” tool where you can confirm if your doctor or facility is covered.

📞 Call the doctor’s office directly.
Ask them to check your specific plan network. Names can sound similar, so it’s worth confirming.

⚠️ Double-check before your appointment.
Networks change! Always verify coverage to avoid unexpected out-of-network bills.

A quick check now can prevent a big headache later.

If you had Marketplace health coverage last year, you’ll need Form 1095-A to file your taxes. Here’s how to find it:✅ St...
03/30/2026

If you had Marketplace health coverage last year, you’ll need Form 1095-A to file your taxes. Here’s how to find it:
✅ Step 1: Log into your Marketplace account.
✅ Step 2: Select your application for the year you’re filing taxes.
✅ Step 3: Click on “Tax Forms” to download your 1095-A.

This form includes details about your coverage, premiums, and any tax credits you received, all essential for completing your return accurately.

Need help understanding your 1095-A or what to do with it? Reach out — I’m happy to walk you through it.

Last night was one of those moments that makes you pause for a second…I was honored to receive 2026 Business  #1 in Mome...
03/27/2026

Last night was one of those moments that makes you pause for a second…

I was honored to receive 2026 Business #1 in Momentum for Berks County.

If I’m being real—this didn’t happen overnight.
It’s been a lot of conversations, a lot of showing up, a lot of figuring things out as I go… and a lot of genuinely caring about the people I work with.

Because at the end of the day, this business isn’t just about insurance.
It’s about making sure people don’t end up in a situation that financially breaks them—especially when they did everything right.

There were times I questioned if I was doing enough…
If I was growing fast enough…
If people really understood the value I bring.

This award reminded me—momentum doesn’t always feel fast when you’re in it.
But it’s happening.

To my clients, referral partners, and everyone who has trusted me along the way—thank you. You’re the reason this matters.

And Berks County… we’re just getting started 💚

When Can You Change Your Health Plan Outside Open Enrollment?Life doesn’t always stick to an insurance calendar and than...
03/26/2026

When Can You Change Your Health Plan Outside Open Enrollment?

Life doesn’t always stick to an insurance calendar and thankfully, your coverage doesn’t have to either.

You can make changes to your health plan outside of Open Enrollment if you experience a Qualifying Life Event (QLE), such as:
💍 Getting married (or divorced)
👶 Having or adopting a baby
💼 Starting a new job or losing coverage from a previous one
🏠 Moving to a new state or coverage area
🎓 Turning 26 and aging off a parent’s plan

These moments trigger a Special Enrollment Period (SEP), usually lasting 60 days, giving you the chance to update or choose new coverage that fits your changing life.

If one of these events happens, don’t wait. Reach out and we’ll walk you through your options to make sure you stay covered through every life change.

03/23/2026

That’s the power of group health insurance — shared strength, shared protection.

03/19/2026

When one of our long-time members reached out in frustration after her prescribed hormone therapy injections were repeatedly denied as “experimental,” we knew she needed more than sympathy; she needed advocacy.

Her pills were covered, but the injections, medically necessary and time-sensitive, were not.

Our team went to work:
📂 Gathered medical records from her doctor, psychiatrist, and therapist
🔎 Identified an alternate diagnosis code that supported coverage for the same medication
📝 Presented a detailed appeal backed by medical necessity and precedent

The insurer authorized the treatment in full, saving our client thousands in out-of-pocket costs and ensuring she received the care she needed without delay.

This is what real advocacy looks like. At Houtz Insurance, we fight for fair coverage and real outcomes.

It’s been one year of partnering with Empowered Digital Marketing, and what a difference it’s made! 🙌From social media s...
03/16/2026

It’s been one year of partnering with Empowered Digital Marketing, and what a difference it’s made! 🙌

From social media strategy to website improvements and SEO, their team has helped take Houtz Insurance’s online presence to the next level. The website not only looks better; it’s performing better, and our social pages have grown so much over the past year. 💪

A huge thank-you to the Empowered team for your creativity, consistency, and collaboration. I’m so grateful for all your hard work and excited to see what we’ll accomplish together in year two!

Address

Boyertown, PA
19512

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

Telephone

+16102076819

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