Why Should I Work with a Broker?
Does it still make sense to have a broker help you choose a health or life insurance policy? Absolutely! The Internet may have made shopping for insurance easier, however I think we can agree that the Affordable Care Act has made the process considerably more complicated. Brokers are insurance experts. It is our job to help you shop plans from leading carriers so you can be confident you’ve found the best rates and benefits for you. Also, a broker who is Certified with Connect for Health Colorado understands the processes and nuances of which path you should take before you enroll in a plan. Do you qualify for a subsidy (tax credit) that will help lower the cost of your monthly health insurance premiums? What steps are necessary to receive that credit? A broker can assist you not only with answering those questions correctly, but also with the process from start to finish. And most importantly, it does not cost you a penny more!
4 Reasons to Work with a Licensed Insurance Broker
1. Brokers guide you through the process – Let’s face it, buying an insurance policy can be extremely complicated. A licensed broker will walk you through each step of the process and help you make sense of it all.
2. Brokers offer you choice – Your broker has a portfolio of plans to choose from, from every carrier in the state. The hundreds of choices available can be very confusing, and it is our job to know which policies may best fit your needs, lifestyle and budget. It is also our job to understand the landscape of this constantly changing market, so that you can make informed decisions that give you peace of mind.
3. Brokers troubleshoot mistakes – A mistake on your application, especially if you are looking to receive tax credits to subsidize your monthly premium costs, could lead to months of headache and frustration. Every broker in our office completes a Certification process with Connect for Health Colorado so that we can help you through that application process. Some households are still very complex, so we have built a partnership with Eligibility Specialists who assist us to help ensure a correct eligibility determination. Also, being Certified with Connect for Health Colorado means that we can take any enrollment issues directly to a broker support team. This saves you time, headache, and more often than not is a path to quicker resolution.
4. It is FREE – This is the best part about getting insurance through a broker. Brokers receive payment from the insurance companies they represent. And because we represent every carrier in the state, the advice you receive from us will be totally unbiased.