Welcome to
Meet your agent!
Hi, I’m Emma Kate Garrett, founder of Heartstone Health. For me, this isn’t just about plans—it’s about people. I believe choosing the right health coverage should feel simple, clear, and personal—not overwhelming or confusing. That’s why I lead with heart in every interaction and take the time to truly understand what matters most to you.
I value a straightforward, honest approach. I don’t believe in pressure or one-size-fits-all solutions, just trustworthy guidance that helps you make confident, informed decisions. My goal is simple: to make sure you feel heard, supported, and genuinely cared for every step of the way.
Built on Trust. Led with Kindness
At Heartstone Health, our mission is to raise the standard. By having access to a broad range of options, I’m able to compare plans objectively and present real choices—not just limited recommendations. Our goal is to help clients feel informed, supported, and confident knowing they’ve explored every meaningful option before making a decision.
How it Works
Quick chat with a trusted broker to determine what you qualify for and what you are looking for.
Review your needs (budget, doctors, prescriptions)
Compare Options
Pick a plan you are happy with and enroll!
Your Questions,
Answered
How do I know which plan is right for me?
During a free consultation, our advisors evaluate your healthcare needs, preferred doctors, and budget. We then compare plans side by side so you can choose confidently.
Can I keep my current doctor?
In most cases, yes. We work with multiple networks and will verify your provider’s participation before you enroll.
Will you help after I sign up, or only during the enrollment?
I do ALL of my own customer service. You have access to my personal cell phone number so you can contact me even after we find the plan for you for help with your claims, questions, or just to give you peace of mind!
States we are Licensed in :
Alabama
Kentucky
Arkansas
Florida
Georgia
Illinois
Indiana
Kansas
Oklahoma
Louisiana
Colorado
South Carolina
Maryland
South Dakota
Michigan
Tennessee
Mississippi
Texas
North Carolina
Utah
Nevada
Virginia
Ohio
Wisconsin