Most clients originally call me to help them sort through their options for health insurance and come up with some recommendation for the best combination of price and value for them.
However, once this is done, I believe the greatest service I can provide is to help a client fill out an application. It can save you a lot of brain damage. Each year these forms carry more and more obscure legal clauses and terminology, supposedly included to protect the consumer, but mostly it just confuses everyone.
Here are a couple of examples from Anthem and United Healthcare.
The parts of an application that many people stumble on are the federally mandated form:
THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT (HIPPA)
and the State of Colorado required:
DETERMINATION OF SELF-EMPLOYED BUSINESS GROUP OF ONE.
In ten years of doing this, with thousands of applications filled out, not once did these parts of an application help a single person obtain health insurance, but the confusing nature of the questions surely have stopped many of them from finishing the paperwork.
These requirements are prime examples of your government creating road blocks to something that could be easily achieved, all in name of “protecting you from yourself.”
If you need new health insurance and want to avoid the agony or filling out the forms yourself, give me a call at 303-541-9533. It costs no more to work with a broker and, as I said, it saves a lot of brain damage.
