Best Health Insurance Agent in Tampa Florida
Best Health Insurance Agent in Tampa Florida
When shopping for health insurance, you might ask why should you use a health insurance broker.
While you can certainly go it alone, the benefits of working with a professional health insurance broker are many.
What Is An Insurance Broker?
More than just a professional that provides insurance options, an insurance broker acts as an advisor and specialist in health insurance and risk management.
Instead of representing an insurance company, a broker acts on the behalf of their clients and the clients best interests.
When you seek the assistance of a broker, he or she will help you identify your business risks and help you choose benefits that might help lower these risks.
Some insurance brokers are generalists, while others may provide a specific type of insurance, such as health insurance.
A broker can make specific recommendations on which type of plan you should enroll in based on a number of factors, such as your budget and the number of employees you have.
Brokers are fully licensed and have the training and experience needed to provide expert advice to ensure that you are making an informed decision.
What are the fees charged by a Health Insurance Broker
You can use a broker’s services for free.
Brokers make money through commissions that are already included in the cost of every health insurance plan, no matter where you buy it or whether a broker was involved.
A health insurance plan never costs more because you use a broker. In fact, most states have filed rates that are fixed and non-negotiable, so if a broker can help advise you while you pay the same amount, you have nothing to lose and a lot to gain by using a broker.
Benefits of a Health Insurance Broker in Florida – Best Health Insurance Agent in Tampa Florida
An independent broker can help you compare plans and companies, help devise a strategy for covering different classes of employees, and advise on each carrier’s specific enrollment requirements to make sure you qualify for coverage.
They will work with you throughout the year to maintain the policy in terms of assisting with new enrollments and terminations.
They also help explain plan benefits to new and existing employees.
At renewal time, they will assist in reviewing the new plan rates and any benefit changes, and can review alternative carrier plans when/if rates change.
They also assist when you get an audit or need to verify compliance which can be overwhelming for a business.
How to choose a Health Insurance Broker in Florida
Some things to consider when looking for a broker:
– Do they have any professional credentials in this field? Commitment in the field shows knowledge and experience.
– How long have they been in the business for? With time comes experience, and the more the broker has the better.
– Do they have happy customers? Testimonials are a good way to judge approval of a broker’s work.
Health Insurance Brokers are a no lose decision. Health insurance rates are non-negotiable for small groups, so having a trusted advisor in your corner that can assist in the day to day administration of your plan, help compare carriers and benefit options, and assist in enrolling new employees onto your plan all for no cost should certainly answer the question: Why should you use a health insurance broker!
How Do I Choose a Health Insurance Broker?
Choosing a good health insurance broker is not always easy.
Today you can find countless plans and policies online, by calling toll-free numbers, and from local brick- and-mortar businesses.
How do you know which is best for you? It all comes down to what you want your experience to be like. If you want the guidance, professional advice, and security that come from choosing a customized health insurance plan, then you want an insurance broker.
If your existing broker is not providing this to you, it may be time to make a change.
At Mintco Financial, we specialize in health insurance for individuals, families, and seniors. We are independent, licensed insurance agents who work with a variety of insurance companies in the Florida market.
Serving clients across the state gives us a great feel for the insurance landscape in Florida, and we can help you compare plans with varying costs and benefit structures. We focus on providing personal, individualized service aimed at helping our clients make better-informed decisions. High client satisfaction is always our goal!
Email us at firstname.lastname@example.org