Health Insurance Brokers in California
Buying health insurance can be tricky. You’re not buying groceries or clothes. You’re buying coverage that can save your life in case unexpected medical events occur. So, how do you know you’re making the right choice for your health? Are you sure you’re getting the best value for your money? The options can seem overwhelming.
If you’re thinking of buying health insurance for yourself or your family, you might want to consider using a California health insurance broker. Brokers represent an extensive network of professionals who help consumers obtain health insurance at no extra fee. They are certified with Covered California and licensed with the state’s department of insurance. Through them, you can find the best medical coverage at affordable prices.
Here are five reasons why we believe a covered California broker may be of help to you:
1. They Give You Several Choices
California health insurance brokers work for several insurance companies. Most of them sell for multiple insurance companies. There is no need for you to waste your time filling out several online applications to get quotes. With their expertise and knowledge, you can find more value for your money than you would when searching on your own. Brokers make the comparison. You do the saving. They get you the perfect blend of coverage, service and price.
2. They Are Licensed by the State
California health brokers can help you navigate through the complex world of insurance. They are experts at assessing your insurance needs and matching them with the health coverage that would best meet those needs at a price you can afford.
Think about this. You always want to get an attorney to represent you adequately in court. Why not seek the advice of a licensed health insurance broker to be confident your health and that of your family are properly taken care of?
3. They Are Like Personal Agents
A broker will not only find you the best prices, but they will also make sure you are covered satisfactorily. Working with you one-on-one, your broker becomes your personal agent, listening to all your needs and helping you figure out the most suitable health plan. They know that it’s not just about finding the cheapest plan. It’s also about being sure you are sufficiently covered so that you can get good value for your money.
4. They Act as Your Advocate
In case of any issues with your health insurance claim or if you need to change your health coverage, your broker can be your advocate. They’ll resolve problems with the insurance carrier, so you don’t have to go through the hassle and worry.
In short, certified covered California health insurance brokers can:
- Help you compare the diverse health insurance plans
- Explain to you the benefits of each health insurance plan
- Explain to you the specific networks (HMO, PPO, EPO)
- Help you select the most suitable health plan
- Submit an application on your behalf
- Assist you in making the first premium payment
- Search for primary care physicians in the network
- Provide reliable contact information