Why You Need A Health Insurance Broker To Help You With Individual Healthcare Needs

ACA, Blog, Group Insurance, Individual Insurance

A broker speaking over the phone while holding a document, and a patient speaking to a doctor in the background signifying he's a health insurance broker

It’s not uncommon for most people to think that having a health insurance broker is not necessary when choosing a healthcare plan. This is largely because they are presented with options that are already well-established and organized. It is as if they are products one can find in a store shelf where all it takes is to; choose the most popular brand, listen to recommendations by the salesperson, or choose the product your family and friends has been using.

Well, the truth is you’re not actually looking at one store shelf. You’re looking at the whole store. Even the store across the road probably has a couple more shelves with unique options you have not seen yet. Choosing a healthcare is an incredibly daunting task. The sheer volume of plans available, each with its own set of benefits, premiums, and deductibles, can leave you feeling overwhelmed.

When it comes to healthcare, making informed decisions cannot be overstated. Selecting the wrong choice could result in inadequate coverage, unexpected expenses, and inability to access necessary medical care. Everyone deserves to have a plan that best fit their situation, and that’s where brokers come in.

Below are four reasons you need a Health Insurance Broker:

Reason #1: Health Insurance Brokers Help You Find the Plan that’s Right for You

Taking the time to thoroughly research and understand the available options is crucial. You need to ensure you select a plan that meets your individual needs. It should provide the level of coverage you require for both preventive care and unexpected medical expenses. We all should do our own research, but this is just the first step.

Let’s be honest, doing extensive research on our own is often beyond our expertise. We need people who actually do this for a living. Healthcare Brokers empower individuals by helping them understand their best options. An important part of their job is to recommend plans based on your needs. They are well-versed in healthcare plans and will help you find a plan that aligns with your specific requirements. Whether you need coverage for mental health services, chiropractic care, or other specialized treatments, brokers are your biggest helpers.

Essentially, brokers give you the ability to control your health and financial future. They give you a peace of mind that what you choose is truly the best fit.

Reason #2: You Might Have to Deal with Out-of-Network Healthcare Providers

When a healthcare provider is out-of-network, it means they do not have a contract with your insurance company. This results in higher out-of-pocket expenses for the patient. Being in this situation can quickly turn into a major headache when you are in need of medical care.

In addition to the financial burden, dealing with the complexities of out-of-network billing and reimbursement can be incredibly frustrating. It’s also time-consuming! This is another crucial time when healthcare brokers can provide invaluable assistance.

They are the experts. With their knowledge in health insurance and your network coverage, brokers can offer guidance on how to minimize out-of-pocket expenses. Whether it’s negotiating with the healthcare provider for discounted rates or appealing insurance denials, brokers can help patients face these challenging situations with confidence. For instance, AUI as a trusted broker, can provide counsel on how to negotiate with your doctor.

If you want to learn more about dealing with Out-of-network healthcare providers, check out our blog here.

Reason #3: Health Insurance Plans are Often Confusing, That’s Why You Need a Health Insurance Broker

Often times, health insurance plans can feel like you’re translating a foreign language if you don’t have a background in this topic. From understanding terms like premiums, deductibles, and copayments to understanding coverage limitations and exclusions, the process can quickly become overwhelming. Brokers are your tool in simplifying everything you need to know. They will explain the details of different plans, highlight key features and benefits, and provide personalized recommendations based on your needs and preferences.

AUI, in particular, is a broker that serves as advocates for our clients by offering ongoing support and guidance throughout the year. We do not just support you at the beginning when you’re choosing your plan. Whether it’s assisting with claims processing, resolving billing disputes, or answering questions about coverage, we brokers are there to provide reassurance and assistance every step of the way.

Reason #4: It’s Completely Free!

This might be hard to believe but the last and most significant reason you should use a broker to help you with your individual healthcare needs is because it’s completely free. You can get all the benefits mentioned in this blog by having a healthcare broker by your side.

Many people are unaware that using a broker does not affect the cost of their healthcare plan. This is actually the main thing that prevents them from doing so. One might ask how do brokers earn if their service is free. Actually, brokers earn commissions from insurance companies when they successfully enroll individuals in a health insurance plan. These commissions are already built into the premiums of the plans, meaning the customer pays the same premium regardless of whether they use a broker or not.

Additionally, some brokers may charge fees for certain specialized services, such as providing consulting for employer-sponsored plans or assisting with complex insurance needs. However, for individuals seeking assistance with individual healthcare plans, the services of a broker are typically offered free of charge. It’s also important to note that brokers are legally required to act in the best interests of their clients. They are obligated to provide impartial advice. They are not incentivized to steer individuals towards certain plans based on higher commission rates, as this could lead to conflicts of interest. Instead, brokers are motivated to help individuals find the most suitable plan that meets their needs and budget, ensuring they receive the best possible coverage.

AUI is at Your Service

Having a trusted partner like AUI can make all the difference. As a reputable healthcare broker, AUI offers invaluable expertise and guidance to individuals seeking the right healthcare coverage for their needs.

By leveraging our knowledge on the industry and connection with major healthcare providers, AUI ensures that you have access to top options and can make informed decisions about your healthcare coverage. Best of all, you can benefit from our expert assistance without any additional cost.

With AUI as your partner, you can have peace of mind knowing you’re getting the best possible coverage for your health and financial well-being. Let’s have a chat! Contact us now.

We do more than cover small businesses and individuals with the right insurance policies and benefit plans – what motivates our team is helping you save more so you can invest more in your team, family, and goals.

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