Services (and Benefits of Using a Broker)

Brokers provide expert guidance throughout the application and enrollment process for coverage in the health insurance Marketplace.

Independent brokers offer knowledge and up-to-date training in insurance products from many different carriers so you get a wide range of choices and impartial advice.

Brokers can determine eligibility for financial help options and estimate your potential cost savings before you even apply for coverage. They can generate quotes with the savings you qualify for already factored in.

Brokers offer a step-by-step walkthrough of the application process to prevent any errors or inaccurate information being submitted that could cause a delay in approval or effective date of the policy.

Brokers are available year-round, not just during open enrollment, to answer questions, solve problems, and act as an advocate on your behalf to the insurance company (if the need arises).

Brokers will get to know your needs and make sure that the doctors and hospitals you trust, and the treatments and medications you require, will be covered under the plan you choose.

Insurance companies pay the broker's commission and this is already built into the cost of their policies. You'll pay the same amount for your plan whether you use a broker or buy it yourself.

Brokers help to ensure that claims are submitted by required deadlines, processed efficiently, and see them through to resolution. They can also advocate on your behalf with the insurance carrier, if needed.

A broker knows which carriers offer policies that fit your specific needs. They can run several quotes at once for comparison, which saves you time from filling out multiple requests on your own for quotes.

Brokers will spend time learning about your needs and those of your family. They're always available to address questions or problems, and you benefit from speaking with someone who knows your situation and what solutions might work for you.

Your broker will keep you posted on your application status from start to finish. They will also make sure you receive everything you need once you're enrolled (ID cards, policy details, provider directories, prescription formularies, and more).

Brokers conduct periodic reviews to ensure your plan is still right for you, and can help make changes outside of open enrollment for major life changes (such as marriage, moving, childbirth). They will also send you reminders of any deadlines or important dates to remember so you don't miss anything that might put you at risk of losing coverage.