Have you lost your job? Has your spouse recently changed jobs? Have you recently graduated and are looking for a job? Have you recently retired? Are you self-employed? Are you concerned about the changes surrounding health insurance? Do you question whether or not you have the best health insurance coverage for yourself and/or your family? If you answered yes to any of these questions, contacting a health insurance broker may be the answer.

What is a health insurance broker?

A health insurance broker is Licensed Health Insurance Specialist who helps you find the best health insurance plan that best matches your needs and budget. Most of us know just enough about health insurance to get us into trouble. Even with careful precision, the most thorough applicants can miss information hidden in the fine print, which is only to be revealed when the final bill comes in the mail as well as being surprised when the benefits you thought you bought and paid for is not covered or the claim is denied and you wind up paying more in out of pocket costs than expected.  That is what they call a “Gotcha Clause” in the insurance business.  A good broker can save you from surprises like these.

This leads me to share 5 reasons to use a health insurance broker when applying for health insurance:

#1 No extra cost to you

Most people think that cutting out the middle man will save them money. Therefore, if a health insurance broker is not consulted, the applicant believes he/she is saving money on their new policy with the  Texas health insurance company. This is NOT true! The health insurance broker does get paid by the health insurance company you choose because the broker brought them a client. However, the price of your premium is not affected whether or not you use a broker to apply for insurance. So why not utilize a service that is ultimately free to you?

#2 Ask the expert

If you have a question about something, most likely you will ask an expert. Health insurance brokers are the experts on the ever-changing face of health care. With all the past changes and the potential future modifications of health care and health insurance, you will have access to the leading expert in the field.

#3 Receive unbiased advice

Your health insurance broker is only concerned about getting you the best coverage at the best price for your needs. You are the broker’s client; he/she does not work for anyone else. Therefore, you will receive unbiased advice concerning the benefits of different health insurance companies and plans.

#4 You are not a number

When you approach a health insurance company in order to apply for insurance, you are assigned a number. You may never speak to the same representative. You will be sold a health plan that may or may not be the best available for you and your family. However, if you choose to be represented by a health insurance broker, you have a name and a voice.

#5 Freedom to take charge of your health care decisions

Having a personal representative in this process, you will be taught and guided through each step, allowing you to take charge of your health care needs. You know best what you need when it comes to health care coverage. With a health insurance broker, you now have the support of an expert to help you get the coverage you pay for.

So maybe the question now is, why would you NOT use the services of a Texas health insurance broker?

If you are interested in learning more about your options for health care coverage or if you would like to speak with an experienced  Texas health insurance broker, please contact Custom Health Plans at 877-749-2241 or visit us at www.customhealthplans.com or locally for those in the Dallas/Ft Worth area at 469-361-4032.