Have you ever used an insurance broker? There are so many good reasons to do so! Using an insurance broker to find a good, affordable, health insurance plan is a great idea. Here are the top reasons to go ahead and seek out the assistance of an insurance broker.
Insurance brokers are experts.
They know more about the current and upcoming laws, rules, and regulations that affect health insurance than you will. An insurance broker can tell you if the health insurance policy you are considering buying will not be considered to be a sufficient plan in 2014. They can tell you if there is a better plan out there for you. The insurance broker will know about all the currently available health plans, and can help you narrow things down from there.
Insurance brokers can help you save money.
Right now, it is really difficult for the average consumer to compare one health plan with another. Is the one with the lower deductible the best? Will the higher deductible plan cover more? Is there a plan that doesn’t include a deductible at all? Insurance brokers can figure all of this out. They can tell you which plan is going to really be the most affordable one.
Insurance brokers continue to help.
You went to an insurance broker, and she helped you buy a great health insurance policy. A few months later, your insurer wants to raise your rates. Or, maybe your insurer didn’t cover as much of your medical bills as you believed they would.
Instead of fighting this out with your insurance company yourself, contact your insurance broker. Part of their job includes “follow up” advice and assistance with the plan that they helped you find and purchase.
Insurance brokers are available right now.
In 2014, the health insurance exchanges will be up and running. That’s a long time to wait for health insurance coverage! Insurance brokers are available to help you right now. If you are able to purchase good insurance plan now, you can avoid paying the fine in 2014 for not having insurance coverage.
Insurance brokers can help with medication coverage.
Many of us use prescription medication. How will you know, for certain, if the health plan you are considering covers the drugs that you rely on? Ask your insurance broker. If they don’t see the answer to your question specifically laid out in their computers, they can call the company and get a direct answer. If not, the insurance broker can help you find a better plan.
Image by Mike Licht on Flickr