Why work with a Health Insurance Broker?

I get a lot of people asking me how would working with a Health Insurance Broker be to their advantage.

Overall the answers are pretty simple.

Rates/Quotes are the same
no matter who you go to

• Health Insurance premiums are filed with and regulated by the State of Colorado Insurance department
• Contrary to popular belief, you do not get a premium discount by going directly to the health insurance companies. (yet with car insurance it is possible to get lower rates this way, but your level of service is in my opinion diminished)

Multiple Carriers

• When working with a captive agent you end up getting quotes for only one carrier.
• Captive agents are very good at beating up all the other carriers and their plans. It's the only way they can sell to you "one legged".
• Broker's come to you with a wide variety of carriers in their book of business.
•  Instead of getting a quote for just one carrier you will be getting quotes from a variety of carriers. We have nothing to lose so there won't be any negative bashing of other carriers

Underwriting

• In regards to underwriting, no two Health Insurance Carriers are alike.
• Based on your particular needs a broker can suggest the right carrier for your situation.

 Best Rate Guarantee:

• Premiums quoted by a broker will always be the same as quoted by the Health Insurance Carrier. To read more go to Best Rate Guarantee

Personal Assistant/Advocate

•  Based on your needs, we will price shop for you, compare benefits from all of our carriers and providers at no cost to you.
• A good broker will be there for you if you have policy changes, rate Increases, dispute with a claim, etc.