Best Health Insurance Agent in Florida
Best Health Insurance Agent in Florida 2020
Health care is expensive. That’s true no matter where you live — or what age you are.
With a little planning, though, you can hang on to more of your hard-earned cash.
Find a Health Insurance Agent who works for you
Selecting the right insurance broker is as important as picking a health plan.
A good agent takes the time to get to know your business and understand your financial goals — as well as your limitations.
A good broker can make or break your health care experience.
You’ll be counting on your broker to find the best plan for your team so it’s crucial to find someone who knows the whole nine yards — and beyond.
But the relationship doesn’t end there. Your broker will continue to work with you to manage the plan throughout the year.
Your broker also should suggest ways to cut costs and keep you informed of industry news.
So here are some questions to ask yourself: In the past year, has your broker discussed recent legislative changes to COBRA? Have you talked about how HIPAA will affect your business? Has your broker explained Section 125 plans, which reduce payroll costs and let employees pay their share of health care premiums with pretax dollars? If not, it’s time to shop for a new broker.
Entrepreneurs also should be mindful of how their agents are compensated. Commissions vary depending on the product line and the carrier but typically range from 2.5% to 5% of the annual premium
In other words, if you’ve been socked with a 25% increase on a $1 million policy, your broker just scored a nice fat bonus. Make sure he or she is working for that pay.
Best Health Insurance Brokers is Tampa/Sarasota/Florida
7 Top Things to look for in a great health insurance broker
Licensing and professional qualifications
Find out what coursework your broker has done — many have taken a series of college-level courses — and what professional certifications they’ve added to their arsenal (some brokers have as many as five!). Next, confirm that your broker is licensed. Search through your state’s department of insurance to find out the status of their license and to see if they’ve ever had any disciplinary action taken against them.
You’ll spend a lot of time working with your broker, so make sure you get along well with them. Find someone that’s easy to talk to, and make sure your team is comfortable with them too. Similar to a real estate agent or attorney, you get to choose your broker — so choose wisely.
Focused on finding the right plan for your company
Your broker should be your personal plan shopper.
They shouldn’t harp on specific carriers, and they should only look for plans that work for the budget you have in mind.
Top insurance brokers will work with you to evaluate the type of insurance coverage that’s best for your company and then will patiently explain the details of all the different plans.
They will also offer plan recommendations and find plans that meet your company’s needs and budget.
Experience setting up insurance plans
Different-sized companies are a whole different ballgame.
Make sure your broker has worked with many companies similar in size and ideally, with a budget similar to yours.
Keeps you compliant
From tax credits to classifications, your broker should be obsessed with keeping you compliant.
This is where licensing and professional development come in: Brokers who maintain their licenses, participating professional associations, and continuing training will really know their stuff.
In fact, some may be able to handle compliancy in their sleep.
Does the daily work
There’s a lot that comes up with health insurance: address changes, new hire enrollments, and other small (but crucial!) details. That’s why it’s important to have a broker that knows how to handle all of the routine to-dos.
You also want to be able to review your plan with your broker on a regular basis, so you can update coverage as needed and keep costs down.
You should also be on the lookout for a broker willing to advocate for you when you’re dealing with insurance companies, health providers, and government agencies.
Helps your team feel comfortable
Your broker should be willing to help you explain health benefits to your employees like it’s no big deal. During open enrollment, your team will likely fire off tons of personal questions about their particular health situations.
If they feel comfortable with your broker, they’ll feel empowered to make more informed decisions about their care.
Best Health Insurance Broker in Tampa Florida
Once you’ve found a broker that checks off all of the above characteristics, you’ll probably experience a wave of relief.
It means that you’ve found a broker who has your best interests at heart, knows the health care space to a T, and can help you make a complicated process — dare we say — somewhat enjoyable.
Best Health Insurance Broker in Florida
An Independent Insurance Broker Since 1999
For 20 years and counting, Mintco Financial has helped individuals, families and small businesses select the best healthcare plans from among the many providers in Florida.
Our professional services are always free, unbiased and customized to you.
No matter what your income, budget, family history or current state of health, you have many options to stay healthy and financially secure today and long into the future.
We offer a variety of individual and family medical health plans from the top carriers in the State of Florida, NY and Georgia.
We can help you choose the plan that best fits your needs.
Mintco Financial will work with your business to help you shop the best carriers for your unique needs and circumstances.
Our goal is to help you secure an attractive benefit package that keeps you competitive in your market but remains affordable for you and your employees.
Contact us today at 813-964-7100
Email us at firstname.lastname@example.org