Insurance Broker

Benefits of Using a Health Insurance Broker

October 16, 2020

Benefits of Using a Health Insurance Broker

Whether you are getting individual health insurance or a business owner looking for group health insurance, using a health insurance broker can save you time and money. You may also be able to find the right plan that covers your insurance needs. Brokers can simplify the underwriting process and keep you updated on changes that maximizes your coverage while reducing your healthcare costs.

A health insurance broker is a licensed professional that helps individuals and businesses compare health insurance companies in their state, find a suitable plan, and manage their policy as needed. Brokers help clients sift through all available options to find a plan that is compatible with their needs while staying within their budget. It should be noted that a broker represents the client, not the insurance company. They are always acting in the best interests of the individual or small business owner.

Using a Health Insurance Broker: How It Works

One of the advantages of using a health insurance broker is that they simplify the process of getting health insurance in only a few steps.

  1. The broker takes you through a series of questions and answers.
  2. You are presented with multiple plan options that meet your needs.
  3. You choose an individual or group health insurance plan that works for you.
  4. The broker guides you through the underwriting process.
  5. The broker completes the process and signs you up for insurance.

Moving forward, the broker monitors your health insurance coverage and makes recommendations to update your plan as needed. If you have changes in your household or business, you simply contact your broker and let them take care of the paperwork for you.


What Are the Benefits of Using a
Health Insurance Broker?

The main benefit of using a health insurance broker is that you have peace of mind knowing that someone is always working in the background to ensure that you have the best insurance coverage at the most affordable rates. Here are some other benefits of using a health insurance broker.

You Work with the Same Broker

When you contact a health insurance broker directly, you never know who you are going to talk to. You may wait on the line for several minutes and go through a complicated web of automated instructions before a person finally answers. When you finally reach a customer service rep, they may be indifferent to your needs or unresponsive to your situation.

The role of a broker is to build a long-lasting professional relationship with you over time. They get to know you or your company and become more aware of your needs. A broker solves problems, handles claims, and gives you access to care you may not otherwise have. After a while they start to feel like a close neighbor.

Personalized Coverage Based on Your Needs

Health insurance companies follow rigid protocols and procedures. They offer few options for health insurance plans, which may or may not meet your needs. When you finally choose a provider and a plan, you are often surprised that the treatment you need for your health condition is not covered under the policy you have been paying into several months or years.

A health insurance broker can spend time listening to your needs, answering your questions, and going over the pros and cons of different insurance packages. They can find personalized coverage based on your needs and offer advice to help you select the right plan. When you work with a broker, you do not have to get stuck in a one-size-fits-all policy that does not meet all your needs.

Specialized Health Insurance Knowledge

Health insurance brokers are licensed professionals who have years of training and experience in the insurance industry. They stay current with trends, regulations, and standards and continue their education to maintain licensing and certification.

Brokers carefully analyze insurance plans from all health insurance providers in your state. They know the current state laws that protect consumers and enforce insurance companies to maintain fair practices. You can feel confident that you are receiving advice from a healthcare expert that understands the industry.


A More Personalized Approach to Health Insurance


Affordable Insurance Plans

You can save up to 50 percent on insurance premiums throughout the year. You don’t have to pay top dollar for quality health insurance.


Simple Underwriting Process

We match your individual, family, or group health insurance needs with the right insurance plan. Our underwriting process is simple and straightforward


Quality Customer Service

We are here during the moments when you need us the most. From enrollment to processing your claims, you can count on our reliable customer service.


Critical Illness Coverage

We can help ease the financial pressure of medical costs by providing a lump sum cash benefit directly to you during diagnosis or treatment.


Simple Comparison Shopping

Comparing insurance companies should not have to be so difficult. To make it easy, we compare health insurance options to find a policy that meets your needs.


Automatic Re-Enrollment

We automatically re-enroll you annually to ensure that you have the insurance coverage you need. You receive a notification to review and approve the renewal.


Which Health Insurance Plan is Best for Me?

You may be wondering which health insurance company is the best? When choosing a plan, you first need to assess your personal healthcare needs, look at all your options, and choose a health insurance plan that fits in your budget. How do you decide which health insurance is best? Ask yourself these questions:

  • How often do you visit your doctor?
  • What type of treatment do you need in the next 12 months?
  • What prescription drugs do you currently take?
  • Which healthcare providers/physicians do you prefer?

Once you decide your healthcare needs, you can narrow your search to health insurance companies in your state. Some of the health insurance providers that we work with include:

  • Untitled-1
  • Untitled-1
  • assurant
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  • for
  • IAIC-Color
  • kaiser
  • Untitled-1
  • Philadelphia-America
  • uhc-750x225-1

We Offer Affordable Health Insurance in These States:

Contact Insurance Enterprise for
Premier Health Insurance

If you have questions about group or individual health insurance and need health insurance quotes, contact Insurance Enterprise at 888-350-6605. Speak to a licensed broker and find out more about how you can get an affordable health insurance plan.