What is a Health Insurance Broker?

By Employer Benefits, Inc.

July 15, 2022

A broker is someone who acts as a go-between when it comes to your health insurance. They make sure that all your needs are met, figure out payments and plans, and make sure you get the insurance plan that is best for you.

An insurance broker makes sure their client gets what they need and that all the requirements are met on both sides. They are independent, rather than an agent, who works for a specific company.

Health Insurance Brokers’ Must-Haves

When you are looking for a health insurance broker, there are a few qualities they should have.

Honesty

Too many people hear the word ‘insurance’ and think scam. Honesty is a great quality that they should have. That means they have a long history of helping people. With the health insurance needs.

Organized

You want your local health insurance broker to be well organized and on top of things. That means they have the information you need when you need it, and they know what is going to be coming in the future, as well.

Good Listener

When you tell your health insurance broker what you need, you need them to hear you. You don’t want to be fobbed off on a policy or plan that isn’t going to meet your needs or that includes things you don’t need but have to pay for anyhow,

Good Negotiator

Everyone’s healthcare needs are different. That means that a standard health insurance plan may not work for you. That means your broker must understand what you need and work hard to make sure you get it.

Key Benefits of Having a Broker

Using a medical insurance broker can help you in many ways. It opens the door for more options for you for a more tailored health plan.

Save Money

By getting your health insurance through a medical broker you can get your insurance premiums much lower. Rather than working through an agency where there are limited plans, your broker works with several insurance companies to get you the best deal.

Better Information

Your health insurance broker has many contacts and extensive knowledge about many insurance plans and policies. They know how to negotiate for you and make sure you get the plan you need without paying for extras you don’t need.

Fast Claim Payouts

If you need to make a claim, your broker will negotiate all the details for you so you don’t have to worry. They answer all your questions and deal with the insurance company themselves.

They Work For You

Your insurance broker doesn’t care about making money for an agency. They work for you and they advocate for you. You get excellent customer service from a licensed professional.

Reno’s Trusted Health Insurance Broker

If you need more information or would like to book an appointment, contact us here at Employer Benefits, Inc. You can book a free consultation and see what type of plan will work best for you and your family.

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