Our Philosophy
Our PhilosophyOur philosophy is simple. We believe that every person and every family has their own story and unique situation.
We want to help families find the right coverage that will give them the care and treatment they want for their family.
We also believe that you shouldn’t overpay for your health insurance, however you should be secure and have peace of mind that you are protected financially from costly medical bills.
We buy our own health insurance for our families. Each of us at Health Quotes USA has one or more of the plans we represent.
Phil Martin
Originally from Wales, Phil founded our Tennessee office over 15 years ago. He likes to be active and enjoys the outdoors – running, hiking, swimming, kayaking and being on the water. He is also a keen golfer and loves to play when it’s not open enrollment! Phil is married with 3 boys and their family loves to travel and experience new adventures together. Phil is the Agency Principal and specializes in Health Insurance for individuals, families, and our small business clients.
Joan Terry
Joan graduated with her MBA from Murray State University in 2008 and has worked in the Insurance and Medicare industry since then. She enjoys going on walks with her dogs, seeing live music, and spending time with her husband and young son. Joan is a keen volunteer in her community and loves to help people. Joan specializes in Health Insurance and Medicare plans for our clients.
Patrick Higgins
Patrick is originally from New Jersey, but he has lived in several places, including Massachusetts and New Orleans, where he worked helping to rebuild after Hurricane Katrina. Patrick has been in Nashville for over six years and loves to explore all that Tennessee has to offer. He enjoys the outdoors, staying fit, and assisting his friends with construction projects. When he’s not in the office, Patrick is often out hiking and exploring.
Emily Meacham
A proud Middle Tennessee native, Emily and her husband have four teenage daughters who keep life lively and full. She enjoys helping individuals and families navigate their health insurance options and bringing clarity to a wide range of choices. Outside of work, Emily loves to travel, discover live music – especially at small, unique venues – and occasionally hits the golf course with her husband. She also enjoys tending to her garden and trying new recipes with her daughters.
Bob Brow
Bob started his insurance career in 2000 and started Health Quotes USA in 2003. He originally worked at Golden Rule, now a part of United Healthcare. Bob has been married to his better half for over 25 years, and has three 20 something college graduates. He loves to spend time with his family golfing and watching some of their favorite shows, like Seinfeld, the Middle, and most ball games. He calls coffee a “big deal” in his household.
Karen Kerner
It’s hard to believe but Karen has 20 years of experience specializing in Individual Health Insurance, including 6 years working for Golden Rule (now a part of United Healthcare). Whenever Karen is asked about what her interests are, she responds: “Whatever my kids are doing!” Karen is married and the mother of two boys. She enjoys all kinds of outdoor activities, camping, hiking, boating and traveling, and spending time with her family, nieces and nephews.