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Affordable Texas health insurance  Texas Health Insurance Agent Why use a Texas broker?

Why a Consumer Should Rely On a Health Insurance Broker

The Internet has provided today's consumer with a wealth of health insurance information.  With a click of a computer mouse the consumer has access to multiple insurance carriers, plan specifications, benefits, premiums and the online application process.  Since all of this valuable information is immediately accessible by the consumer, what is the benefit of the services provided by a broker?  Plenty, and the key word is service.

No Additional Cost

First, the service of a broker has no direct effect on the cost to the consumer.  The consumer receives the services of a broker, and the carrier compensates the broker for providing the service for the policies that are approved and are in force by that carrier.  It is important to understand that the premium paid by the consumer is the same whether a broker is used or not - there is no financial benefit in terms of a lower premium if a consumer does not use a broker. 

Access To A Consultant

The value of the broker in today's information-driven environment is to make sense of the information and to help the consumer apply the information to his or her particular situation.  Health insurance is a very technical field which includes terminology that is foreign to many consumers.  The broker helps explain terms such as deductible, coinsurance, copay, drug tiers, preexisting conditions, C.O.B.R.A. and creditable coverage and how these terms affect the consumer's health insurance options.  Although a vast amount of information is available online, the broker helps make sense of what the information means and how it applies to coverage decisions.

As with other important decisions in our lives, we rely on consultants to guide us in making the most beneficial decision.  Whether the decision involves legal issues, accounting, career, architecture, construction or investing we rely on the advice and counsel of professionals such as lawyers, accountants, architects and financial advisors.  Health insurance is no different.  The consumer needs the knowledge and experience of a health insurance broker to assist with plan selection based on a number of criteria including premium budget, benefit requirements, carrier suitability, underwriting tolerance and carrier network access.  All these factors and more go into the decision of which carrier and which plan is most suitable for the needs of the consumer.  The broker's role is to consult and guide consumers in making the best decision relative to his or her needs and situation.

Underwriting Communications

The service of a broker can be extremely beneficial after the application is submitted.  A full service broker maintains communications with the carrier to monitor the status of an application and reports to the applicant the progress of the application as it moves through the underwriting process.  The full service broker serves as an active participant in the underwriting process to ensure that information is being shared between the applicant and the carrier in a timely manner so that an underwriting decision can be achieved in the shortest time possible.

Client Support

A broker continues to provide service after an application has been approved.  In the short term after an application has been approved, the full service broker confirms that the coverage is established correctly with the carrier, confirms that enrollment documents and identification cards are received, facilitates the submission of any prior coverage documents, and explains any modifications to coverage such as riders or waivers.  Long-term assistance includes the replacement of identification cards, address changes, coverage changes and coverage options.

Brokers function strictly to service the health insurance needs of their clients.  Brokers succeed by providing exceptional service during the evaluation, application, enrollment and coverage stages of a policy.  If they are not active and successful at providing service to their clients, their lackluster performance will be reflected in poor growth and low retention of existing clients.  Health insurance consumers can take advantage of the wide array of services provided by Stateside Insurance Services.  Not only is the service provided at no additional cost, but also the consultation will most likely result in cost savings and better coverage.



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