Choosing a Health Insurance Broker:
Four Things You Should Know
Protecting your health is essential, and obtaining the right health insurance is one of the keys to making sure you can get the finest medical care when you need it. However, there are many variables to consider when you’re choosing a health insurance plan; what’s best for you is not what’s best for your next-door neighbor or your closest friend.
You’re searching for the coverage that’s right for your situation, as well as the right fit for your budget. But how can you know for sure that you’ve considered all your options—or that you even know what all the options are?
Health care reform has added additional variables to the mix: policies available on the exchange, policies off the exchange, premium subsidies, Metal plans. It can be overwhelming to try to sort through it all.
So the first step in choosing the best insurance plan is choosing the best person to help you find it. Look for a professional health insurance Personal Benefits Consultant who will get to know your personal situation and will be looking out for your interests so you can feel confident that the plan you purchase is the right fit for you.
As you search for someone to help you with this decision, consider these four attributes of an outstanding insurance Personal Benefits Consultant:
- Choose an agency that represents many insurance companies. An agency that only represents a few companies can only present you with a few options. Rates and coverage can vary widely from company to company. Even when two insurance carriers are offering essentially the same coverage, their rates may be significantly different.
For those reasons, you should choose a broker with access to many options in order to find not only the best coverage, but the best coverage for the best price. Also, if your premium increases, you can turn to your Personal Benefits Consultant to quickly compare rates between many companies and potentially find you a better value. This includes the charges of psychiatrists, psychologists, psychoanalysts, and psychotherapists.
- Choose an expert Personal Benefits Consultant, and one you will know by name. When you have questions about health insurance, you want to know that you’re talking with someone who’s an expert in the field, someone who knows the ins and outs of the market and of health care reform, the details of the plans his or her agency represents, and the best way to pull it all together to save you money. The best Personal Benefits Consultants are there for you year-round, not just during open enrollment periods.
- Choose a broker who specializes in health insurance. On the surface, it sounds like a good idea: buy your health insurance where you buy your car and property insurance. But companies who primarily focus on auto and property insurance often sell health insurance secondarily. And it’s likely that they only represent a few companies (sometimes only one) with a few different types of plans. They won’t have the broad selection of options that can help you save money both in the beginning and for the long haul.
- Choose a company that will guarantee that you’ll be satisfied. You want to be able to get your money back if you’re not happy with your insurance plan. Review our “Extremely Satisfied” money-back guarantee, one more way to be sure that when you choose HSA for America as your health insurance broker, you’ve made the right decision.
Personal Customer Service
HSA for America is proud to say that we meet all of these criteria and more. We’ve been in business since 1986, and while we’re big on experience, we’re small enough to offer individualized service to each and every one of our clients. Our Personal Benefits Consultants are licensed, experienced and up-to-date on the latest information on health insurance and health care reform.
Let’s Get Started
If you prefer, you can start the process by running an instant quote. Or maybe you’d rather start the whole process by talking to someone. If so, give us a call at 800-913-0172 or send us a note through our contact page.
Now more than ever, it's important to work with an experienced, licensed Personal Benefits Consultant, someone who knows the fine points of today’s health insurance and is looking out for you. While some people are using the government’s website to search for insurance, the navigators who assist you on that site are neither allowed to give you advice nor trained to save you money.
With more than 25 years of experience in the health insurance business, we can help you before, during and after the enrollment and subsidy application process; we’ll allow you to make decisions based on all of your options—both on and off the exchange.
And HSA for America won’t just sell you a policy and then disappear. We’ll be watching out for you every step of the way: we’ll monitor the situation from the beginning as your initial policy is processed, and we’ll conduct an Annual Comprehensive Policy Review each year after to make sure that the policy you have is still the best policy for you.
HSA for America invites you to see for yourself how working with a licensed Personal Benefits Consultant can make shopping for health care a money-saving, hassle-free experience.