Chip Millard is an independent insurance broker in Chapel Hill helping individuals, families and businesses...
navigate the world of choosing insurance; disability, health, life, long term care, Medicare supplement + Part D, Medicare Advantage, dental, vision and employee benefits. He is known for researching all insurers to find the best plan ideas, then explaining the options to clients in conversational “plain speak” that is understandable to everyone. Chip then handles enrollment and is attached as a servicing agent to clients’ coverage, to be of help throughout the year (claims, billing, choosing the best coverage at open enrollment, etc.).
All at no additional cost or billed charge to customers.
Book an appointment with Chip instantly here: calendly.com/chipmillard
Group Health + Benefits
Chip specializes in helping businesses with 1-99 employees choose health, dental and other employee benefits, educating and enrolling employees, and administration.
Health Insurance
Buy your own health insurance? The market is a confusing mess! Chip can help; by finding the best plan, enrolling you on the Marketplace or off, and explaining how it all works.
Medicare + Supplemental Insurance
Turning 65? Need to understand how Medicare works? Chip can explain in plain speak, then research and recommend Medicare Supplement, Part D Rx, and Medicare Advantage plans and explain the details.
Dental + Vision Insurance
If you do not have these coverages through work you can choose your own dental plan to cover 6 month visits, cleanings, root canals, crowns, etc. You can choose vision insurance for exams and hardware too.
Long Term Care Insurance
LTC Insurance helps fund expenses for long term care and can protect your assets. Chip can help you understand the need for this coverage, and help you design a policy suited to you.
Personal Life Insurance
Life Insurance protects the ones you love in the unexpected event something happened to you. It can continue to fund your monthly budget, and your dreams for the future.
Business Life Insurance
Businesses need Life Insurance to protect the business and its owners, in times of death or business downturn, or to secure a loan. There are many creative uses for Life Insurance in your business.
Disability Income Insurance
Disability Insurance pays you a monthly benefit as replacement income when you are unable to work because of unexpected sickness or injury. Your family budget stays funded, so you can continue financially.
Short Term Health Insurance
Short Term Health Insurance can cover you and your family for just a few months when you are between job-based coverage, or serve as your health insurance plan for the entire year (at a lower cost than ACA plans).
Why Insurance “Broker”?
You will see on this site time and time again that we are an insurance broker, not an agent. Why do we think that is so important?
There are many iterations of the agent and broker, but in short…. insurance agents usually represent one insurance company (think of the insurers that advertise incessantly on television). If you speak with an insurance agent and ask any question, or request an insurance idea for anything, the answer is always going to be… the one company they represent!
As a insurance broker, we work with all the insurance companies. When you ask a question, our answer is not motivated by one insurer’s expectations. When you request a quote of insurance, we can research and find the best coverage for your needs (in both benefit and cost) from among all of the available choices.
25 Years of Service
November 1, 2024 marks our company’s 25th anniversary. We are grateful for our many customers, and look forward to a bright future as an insurance broker who can help distill the complicated world of insurance down to “plain speak” so our customers can choose the best insurance coverage(s).
12 Years in the Marketplace
The Marketplace (healthcare.gov) can be hard to navigate yourself. Chip was recently thanked by the Centers for Medicare & Medicaid Services (CMS) for his dedication to helping consumers access health coverage in the Marketplace during the Open Enroll. Period (OEP) and throughout the year (SEP), for 12 years.
2024 Elite Champions Circle
Chip Millard is again named by Healthcare.gov to the “Elite Circle of Champions” for 2024, a designation awarded to agents and brokers who help consumers choose and enroll in health insurance plans on the Marketplace. Chip has received the award each year of its existence (2014-2024).
Your Family Needs You to Have Life Insurance
Life insurance is a subject that is easy to put off. No one wants to think about their mortality, or spend time thinking about how much life insurance they need.
Here’s some real talk…if you died today it would become clear to everyone you know that wasn’t the pressing question. The question is…how much life insurance benefit does your family need for you to have in place today, so that if something happens to you, they can continue on financially?
We can help answer that question, which is easier to solve than most people realize…how can we use life insurance to fund your family budget years into the future? Contact us today and we can work on that math, and getting life insurance in place for your family.
Our Partners
Here are just a few of the many insurance companies we work with:
Convenient Communication
We focus on helping our clients make the best decisions on their insurance choices. And we can communicate in a way that is most convenient for our clients, via:
Phone or text (919) 357-6637
Email (chip@chipmillard.com)
Zoom, Google Meet, Facetime and other online meeting technologies
In-person meeting; we can meet with you in our office, or your home or workplace
Top-Rated by Local Customers
Read firsthand below the experiences some of Chip’s customers have had working with him.
Authorized Agent
Chip Millard is an independent authorized producer/agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina. The content contained in this site is maintained by Chip Millard. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.®, SM Registered marks of the Blue Cross and Blue Shield Association.
