Do you need a health insurance broker?

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Good deal! Cheerful young man bonding to his wife while shaking hand to man sitting in front of him at the desk

Do you need health insurance coverage but you’re unable to get it through your employer? Don’t panic. There are other options for you, which are best discussed with a health insurance broker.

Knowledge

If you have trouble understanding health insurance terms like “premium” and “deductible,” you’re not alone. These terms are confusing to many people. Luckily, your broker can explain them clearly.

Experience

A licensed broker knows the ins and outs of the insurance plan that’s best for you. They can help you pick the right plan by explaining the benefits of each, including how they might affect you in any given year.

Fast support

Once you get a health insurance plan through a broker, they’re your designated go-to person if you need help. Any time you want assistance filing claims, or have questions about coverage, eligibility, payments and other issues, your broker is there. This is often a much faster way to get questions answered than spending hours on the phone, or trying to navigate a health insurance company’s website.

Talk to a broker today

Talking to a broker before purchasing health insurance coverage can give you peace of mind. You’ll know you got the right plan and you’ll fully understand its costs. Get in touch with a broker today.

What’s the difference between a health insurance agent versus a broker?

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When it comes to health insurance plans, the terms “agent” and “broker” are often used interchangeably. However, there are some key differences. Take a look below to find out just a few of them.

Health insurance agent

Insurance agents work directly with health insurance companies. In fact, most of them have specific contracts with those companies. Essentially, the company is their boss, not you. They only sell that company’s plans, even if a plan from a different company would be a better fit for the customer.

Health insurance broker

Insurance brokers, on the other hand, are independent agents. They’re not loyal to any one insurer. They usually work with several companies who pay them based on how they sell plans to customers. A broker offers more options than an agent, because they’re knowledgeable about a wider variety of companies and plans.

Call a health insurance broker today

If you’re sure about which health insurance company you want, and you know an agent that sells its plans, feel free to work with that agent. However, if you have questions about different companies, plans and policies, a broker can probably help you better. You could end up with a cheaper plan, or one that offers more value for the same money. Contact a broker today to learn more.