Since the passage of the Affordable Care Act, also known as Obamacare, everyone needs to have health insurance. If your employer doesn’t provide health insurance, you will need to buy a policy for you and your family.
There are many ways to buy insurance policies and there are many policies to choose from. How do you sort through all the health plans and know that you are getting the right one? Why not make it easy?
This is where an insurance broker comes in. An insurance broker can act as your guide and advocate and help you navigate the confusing jumble of health insurance.
Here is how an insurance broker can make purchasing health insurance for your family easier:
- An insurance broker will evaluate your specific needs and then show you options from multiple insurance carriers and help you find the right plan for you. If you buy insurance directly from an insurance company, you will only see the plans and options they offer. A good health insurance broker is familiar with all the plans available in their area, and knows not only the differences between the plans, but also which plans may be better for you and your budget—and can explain it all to you. They will help you get what you need and not “sell’ you.
- An insurance broker can help you determine whether you are eligible for insurance subsidies through the healthcare exchange or better coverage at better rates by buying off the exchange. Always check to make sure the health insurance broker you choose is certified to use your area’s exchange and licensed with all the major insurance carriers in your state. Many insurance agents or health insurance brokers are not. Health coverage guides or Navigators are not insurance licensed nor are many of the people you talk with at the state insurance exchanges. They legally can’t talk to you about your insurance options nor do they have the expertise to really help you.
- An insurance broker can serve as your advocate and advisor in dealing with the insurance company. If you have coverage questions, billing questions or claims issues, your insurance broker can work with both you and your insurance company to resolve any issues. With a broker, you don’t have to go it alone. You’ll have someone on your side to help you work it out.
- And finally, your insurance policy will cost the same whether or not you use a health insurance broker. That’s right. You aren’t saving any money by trying to do it all yourself—and an insurance broker will save you time, usually money and will help you avoid buying the wrong policy. Insurance rates are set by law and are the same whether or not you use a health insurance broker. The health insurance broker’s fees are paid by the insurance carrier.
Roper Insurance is the industry expert to make your insurance shopping experience easy and enjoyable. Our health insurance brokers are friendly helpful experts at what they do. Our people average more than eight years of experience in helping clients find the right plan at the right price. Our trusted brokers are all Connect for Health Colorado certified and will help you whether you are purchasing through Colorado’s exchange or not.
If you own a business, we can help you get the right benefits for you and your employees as well. Why not try us, you’ll love us!
For stress-free help with your health insurance call the experts at Roper Insurance today at 303-721-1145 or click here to request your free consultation.