Lobo Health
Health
Individual and family plans for doctor visits, prescriptions, and the big stuff you hope never happens. Built around your doctors and your budget.
You don’t have to wait for open enrollment.
I’m Natalie, an independent licensed advisor. I help people in 20+ states find health, dental, and vision coverage that actually fits, any month of the year.
Working with me costs you nothing. You’ll hear from me or my assistant Charlotte, never a call center.
Got it. I’m on it.
You’ll get a text from me shortly with your options. Want to skip ahead? Grab a time and I’ll walk you through everything on a quick screenshare.
Pick a time with Natalie- Enroll year-round
- Licensed in 20+ states
- No cost to work with me
- A real person who texts back
Coverage for the life you actually have.
I’m independent, so I’m not tied to one company. I compare plans across carriers and show you the ones worth your money.
Dental
Cleanings, fillings, and the surprise crown. Standalone or paired with your health plan.
Vision
Eye exams, glasses, and contacts, without paying full retail every year.
Three steps, and none of them are a sales pitch.
Tell me your situation
Answer four quick questions. Takes about a minute, and nothing gets sold to a list.
Get your options by text
My team texts you real quotes, usually the same day. Questions? Just text back.
Walk through it together
We hop on a short screenshare, compare side by side, and I handle the enrollment with you.
Hi, I’m Natalie.
Insurance shouldn’t feel like a maze you have to figure out alone. I started Lobo Health so people could talk to someone who explains things plainly, answers the text, and actually remembers their name.
As an independent advisor, I work for you, not an insurance company. That means I can compare plans across carriers and tell you honestly which ones fit, and which ones don’t.
Take care of yourself,Natalie Villalobos, independent licensed insurance advisor
Questions people ask me first
Can I really get coverage outside open enrollment?
Often, yes. Depending on your situation, there are plans you can apply for any month of the year, and life changes like losing a job, moving, or having a baby can open other doors too. I’ll tell you straight which options you qualify for.
Does it cost anything to work with you?
No. Advisors like me are paid by the insurance companies, so you don’t pay me a fee, and the plan price is the same as going direct.
Will I get a flood of calls after I fill this out?
No. Your info comes straight to me. You’ll hear from me or my assistant Charlotte, and that’s it.
Which states do you cover?
I’m licensed in 20+ states. Put in your ZIP and I’ll confirm right away, or text me and ask.
Can I keep my doctor?
Tell me who your doctors are and I’ll check which plans have them in network before you pick anything.
Let’s get you covered this month, not next fall.
Start your quote now, or grab 15 minutes and talk it through with me.