{"id":6669,"date":"2019-06-03T06:12:29","date_gmt":"2019-06-03T10:12:29","guid":{"rendered":"https:\/\/peakinsuranceadvisors.com\/?p=6669"},"modified":"2019-06-03T06:12:54","modified_gmt":"2019-06-03T10:12:54","slug":"the-benefits-of-using-a-broker-for-purchasing-health-insurance","status":"publish","type":"post","link":"https:\/\/peakinsuranceadvisors.com\/the-benefits-of-using-a-broker-for-purchasing-health-insurance\/","title":{"rendered":"The Benefits of Using a Broker for Purchasing Health Insurance"},"content":{"rendered":"
There are many services and products in business where you can save money. Finding a lower priced supplier, negotiating a better deal and doing the work yourself are all tried and true ways of lowering costs. Things are a little different with small group health insurance. Since all plans are filed with the State of NY, the price does not vary from broker to broker. In fact, using a health insurance broker Long Island<\/a> will cost the same as going to the company directly. Here is why you should use an insurance broker when you shop for your next group health insurance plan.<\/p>\n It has become very clear to me over the past 29 years as a Health Insurance Broker Long Island, NYC and NY how important the advice and guidance of a broker is to a business owner and their employees looking for group health insurance. And it\u2019s not just me noticing this. According to an article on CNBC<\/a> regarding those choosing a health plan-<\/p>\n \u2013 Many make poor financial choices with health plans, costing them $$$<\/p>\n \u2013 Financially savvy are not immune<\/p>\n \u2013 Consumers research car, electronics more than health insurance<\/p>\n A health insurance broker, and especially Registered Health Underwriters, have extensive training in group health insurance plans<\/a> and options. Spending years working with insurance companies and employers alike gives them the experience and insights few employers can get on their own or by searching online. A broker also understands plan details and benefits better than an employee, so they are prepared to assist employees in finding a plan that best matches their needs.<\/p>\n As an example, we have employees call us up asking for help lowering premiums. They ask about \u2018the best plan\u2019 but, the best doesn\u2019t always mean the most expensive. A broker can go thru options to see if there might be a lower cost plan that meets their needs.<\/p>\n We also have companies that call up saying they chose a plan for their company directly, only to find out their own or their employee\u2019s doctors do not participate in the plan. \u00a0There are simple checks a health insurance broker Long Island would do as one of the first steps in the plan selection process.<\/p>\n A New York Health Insurance Broker<\/a> will not only assist in narrowing down plan choices, search doctor networks and help to explain the differences between carriers and plans, they are a sounding board for ideas and questions that no other person or company is better suited to answer.<\/p>\n The best part is a NY health insurance broker<\/a> is free for you to use. \u00a0You do not pay more for your plan when you use a broker, and you do not get any discount for not using one. I question why anyone would venture to tackle the complex task of reviewing and choosing a health insurance plan on their own when for free they can leverage the experience and knowledge of a seasoned health insurance broker. You have nothing to lose, and everything to gain!<\/p>\n For a free health insurance quote<\/a><\/p>\nExpert Advice and Guidance<\/strong><\/h5>\n