Health Insurance Made Simple-With a Personal Touch.
Merlin Close
Meet Merlin Close
Hi, I’m Merlin Close—your local health insurance broker with a personal touch.
I didn’t start out in insurance—I started out helping people. Over the years, I saw how confusing and overwhelming health coverage could be, especially for families planning for the future or seniors navigating Medicare. That inspired me to become a broker: to be a clear, honest guide in a space that often feels anything but.
Today, I help individuals, families, and seniors across Iowa and beyond find plans that truly fit their needs—whether it’s Medicare, Marketplace coverage, or supplemental options. I’m not tied to any one insurance company, so my only priority is you.
When we work together, you’re not just getting a policy—you’re getting a partner who’s here to listen, explain, and support you every step of the way.
+31 years
IA, IL, TX, FL
40+
Bilingual
How I Can Help
I take the time to understand your needs, explain your options in plain language, and help you choose coverage that fits your life, not just a checklist.
Medicare
Health Insurance (ACA)
Life Insurance
Dental & Vision
Hospital & Accident Insurance
International Medical Insurance
Critical Illness
Short & Long-Term Care
What Clients Are Saying
My Office Location
Contact
(563) 571-7422
info@merlincloseinsurance.com
Address
2550 Middle Rd, Ste 300
Bettendorf, IA 52722
By appointment only!
Opening hours
Monday to Friday
9am to 6pm
Frequently Asked Questions
How do I know which plan is right for me?
I’ll walk you through your needs, budget, and eligibility step by step.
Can you get quotes from more than one insurance company?
Yes—a licensed broker like me can source quotes and policies from multiple carriers I represent, so you can compare options side by side and choose what’s best for you.
What are the advantages of using a broker over going directly to an insurance company?
Brokers work for you, not the insurance company. We analyze the entire market of carriers we represent, explain differences in plain language, and help you find the best fit—often at no additional cost to you.
Which doctors and hospitals are in the network?
Network rules vary by plan. I’ll help you verify that your preferred providers and facilities are in-network to avoid unexpected out-of-network charges.
When should I review or update my coverage?
I recommend an annual review during open enrollment and any time you experience major life changes (marriage, new baby, job changes, etc.) to make sure your plan still fits your needs.
What’s the difference between an agent and a broker?
An agent represents one insurance company and can only offer that carrier’s plans. A broker is independent and works with multiple carriers, helping you compare options and find what truly fits your needs.
Will it cost more to work with a broker?
No. Whether you work with an agent or a broker, you pay the same price. Their compensation comes directly from the insurance company—not out of your pocket.
Are there hidden fees?
No. There are no extra fees. Brokers and agents are paid by the carriers. You get free, professional guidance at no additional cost.
Do brokers offer more plan options?
Yes. Brokers are contracted with multiple insurance companies, giving you access to all or most of the plans available in your area. Agents are often limited to one company’s products.
What should I expect when working with a broker?
A good broker will:
Explain plan pros and cons clearly
Compare coverage, premiums, and drug costs
Help with Medicare Parts A and B enrollment
They’ll also take the time to guide you—no pressure, no rush.
What if I try to do it on my own?
Going solo may seem easy, but it can lead to:
Choosing the wrong plan
Missing enrollment deadlines
Overpaying or losing key benefits
A broker helps you avoid costly mistakes and simplifies the process.
Is coverage the same whether I use an agent or broker?
Yes. If you enroll in the same plan, the benefits are identical. What differs is the level of support and the range of options available during the decision process.
When should I choose a broker?
A broker is the best choice if you:
Want unbiased advice
Prefer comparing multiple plans
Appreciate clear, personalized guidance