Many people may still not quite understand what role an agent or broker plays when it comes to your health insurance plan. You don’t pay fees to work with an agent or broker, and the return in services in invaluable.
Most importantly, we serve to help you understand the complex world of health insurance. Whether you are an individual or family shopping for coverage or an Employer looking to cover their employees, we provide you with access to multiple insurance companies and plans, thereby ensuring you have all the information necessary to make your decision.
Agents also work to negotiate the best rates for you. We work with the carriers to make certain your rates are the lowest they can be. They serve as your underwriting liaison to contest declines, or work with rated policies. This is the case for all plans – individual/family plans and small/large businesses as well.
When it comes to group plans, we work to take the burden of administering your plan off of you. We will walk you through the plan options, negotiate your rates when it comes to renewal time, and help your employees complete all of their paperwork. When it comes to new hires, terminations, or COBRA enrollments, again we step in to facilitate the necessary paperwork.
Once your plan is issued, we continually work to help you. Whether it is obtaining medical records for claims processing, assisting your pharmacy in getting a medication authorized, or explain detailed claims benefits, you can always count on us to be there to assist.
Health Reform concerns often bring up the concept of removing agents from the picture. This would destroy the personalized service you have received from us for years.
Tags: agent, COBRA, health plan
