What Is A Health Insurance Broker And How Can They Help Me Shop For Insurance?

Let’s face it: Whether it’s personal health insurance or group health insurance, the whole process of buying insurance can be pretty confusing. Sometimes, you might find you have few options.

Other times, it seems like you have plenty to choose from, but it’s hard to tell which ones will be right for you. Health insurance is too important to leave to chance. All too often, though, you end up doing guesswork – picking something and hoping for the best for another year.

Isn’t it time for a better way?

The traditional approach to health insurance has been a free for all. That’s precisely where your local health insurance broker fits in. Instead of having to do it all yourself, you can get expert advice that’s custom-tailored to your exact needs, provided by someone who wants to see you succeed.

Your Local Health Insurance Broker Is Your Best Ally When It Comes to Better Insurance

If you’ve ever looked for answers directly from a health insurance agent, you know the process is hit or miss. Agents might know everything there is to know about the insurance products offered by their own company, but they are not allowed to give you information about their competitors.

In other words, you are missing a big piece of the puzzle that can help you make an informed decision.

What Central Florida families really need is an overview of all their health insurance options and the chance to get the answers about each one. That’s precisely what your local health insurance broker provides – all without pushing you in one direction or the other.

A local health insurance broker is an independent insurance professional who understands all the health insurance options in a given area. They dig down deep to develop relationships, within the community and with the organizations that offer health insurance.

Health insurance can be offered by many different organizations, not just traditional insurance agencies. One role of the health insurance broker is to make sure all of the available options are gathered in one place. This can include nonprofits, labor organizations, faith-based organizations, and more.

With more options, you’ll often have opportunities that you wouldn’t have if you stuck with employer-based health insurance or waited for open enrollment in the Affordable Care Act marketplace. One big advantage is the chance to change your health insurance coverage at any time of year.

How Does Partnering with a Local Health Insurance Broker Work?

When you consult with a health insurance broker, there’s no obligation to choose any particular plan. An independent broker doesn’t have a sales quota or other obligations from any insurance provider. In the initial meeting, the main goal is to learn about your needs and how they can be met on your budget.

People from all backgrounds and all walks of life use a health insurance broker. It may be a wise idea to speak with one if you’re disappointed by the coverage available through your employer. If you choose an Affordable Care Act plan and later decide it is not right for you, a health insurance broker can help you reduce or even eliminate the gap in coverage you might suffer if you close your ACA policy.

A local health insurance broker can also help you find policy options for family members, such as dental and vision insurance coverage or extended prescription coverage. Whatever gaps or other concerns you have with your current coverage, your dedicated broker is there to help you navigate the options.

And, yes, using a DeLand health insurance broker can save you more money than going alone. It all depends on your specific needs, of course, but you will have the information you need to make real, direct comparisons between health insurance options instead of “filling in the blanks.” If there is one policy option that’s especially affordable, you’ll easily be able to zero in on exactly what it is.

All in all, the process is simple:

  • You meet with your broker and lay out all your needs and concerns
  • They do the research and tell you about a number of policy options
  • You have all the time you need to review the details and choose

If one of the policy options is right for you, you can go ahead and get started with your new coverage. You don’t need to worry about paying more just because you use a health insurance broker. Plus, you can always return to your broker for more insights as long as you live within their service area.

Contact us to get started today.