Benefits of an Independent Health Insurance Broker
Trying to navigate the health insurance market on your own can be a nightmare, especially if this is your first venture into a private policy rather than typical employer-provided coverage. With so many plans and options, it may feel like you are comparing apples to oranges, which is why an independent health insurance broker can be such a valuable resource. Unlike an agent, who may only work with one insurance company, a broker is licensed at the state level and can be more knowledgeable about standards and benefits. Before you sign up for a new plan, consider these five reasons why you should work with a health insurance brokers in Santa Rosa.
1. Freedom of Choice
One of the more frustrating aspects of finding the right health insurance coverage is the lack of good options. You may be faced with only two or three plans, none of which feels right for you or your family. An independent broker who represents several companies can present coverage options from multiple companies to give you a wider spectrum of service from which to select.
2. Best Price
Let’s face it; health insurance costs rarely feel like a good value. Year after year, the policies are tweaked, sometimes leaving you paying more money for less coverage. An independent insurance broker can help break you break down the expenses to analyze which is the best policy for your budget and need. Imagine the amount of research you would have to do by yourself to get close to that level of practical information.
3. Personalized Protection
A good broker wants to know all about you, not to snoop, but to better understand what coverage is best for you. By reviewing your lifestyle, hobbies, history, and more, a health insurance broker can put together custom coverage, including services you need and foregoing benefits you may not ever use. In addition, a broker is more likely to review your plan at regular intervals to ensure the plan you have is still the best fit for you.
4. No Extra Fees
Are you worried how much your broker’s services may cost you? Rest easy knowing that insurance brokers get commissions from the insurance companies directly, which means you do not have to pay out of pocket for his or her assistance. The fact that you can get better coverage without added charges sounds like a good deal for any individual or family.
5. Your Neighbor
An independent health insurance broker in Santa Rosa is a part of the community, supporting the same local events, going to the same local establishments, and using the same streets and road. This is a person who is easy to reach and happy to help, a real advocate for his or her clients. By working with a local person instead of a toll-free number, you can expect a different level of customer service with a broker.
If you think a health insurance broker sounds too good to be true, try our services for yourself. Contact us online or call our office at (707) 823-3689 for a consultation. We look forward to helping you!