1. By law it cost you no more to work with a broker than to deal directly with a health insurance company.
2. Working with a broker, you are much more likely to understand the plan you are applying for and thus be able to select the best combination of price and value for you and your family.
3. Experienced brokers know the underwriting tendencies of the companies they work with. This is important if you have pre-existing medical and/or life-style conditions. One company’s potential denial is another company’s preferred client.
4. Filling out an application with a broker, whether on-line or in person, saves a client a lot of brain damage and greatly increases the potential for acceptance.
5. A broker can follow the underwriting process through their agent portal at the insurance company’s website so that they can keep you informed of your applications progress and any needed actions on your part.
And, believe it or not, even though they have to pay the broker a commission on sales, health insurance companies would prefer that you go through an agent when applying rather than attempting to do it yourself. They tell us that applications that go through a broker are better filled out, more appropriate for the client’s needs and stay on their books much longer than self-submissions.
If you would like help filling out a health insurance application, please give me a call at 303-541-9533.