https://www.goodfinancialcents.com/switching-insurance-companies-changing-your-insurance-agent/ Mon, 13 Nov 2023 08:26:51 +0000 hourly 1 https://wordpress.org/?v=6.4.3 https://www.goodfinancialcents.com/switching-insurance-companies-changing-your-insurance-agent/#comment-12403 Wed, 20 Oct 2010 16:40:33 +0000 http://gfc-live.flywheelsites.com/?p=14454#comment-12403 Your article makes sense for P&C insurance, where the agent usually represents just one company. But I would definitely recommend having an independent broker helping you with your health insurance. There are a lot of carriers with a lot of different types of policies. Understanding what you’re getting is not easy and comparing the options that meet your needs from all available carriers, understanding other variables like carrier reliability, provider networks, etc is too much. Insurance is the same price no matter where you buy it, so there is no cost for a broker. And it is more efficient for the health insurance carriers to have a commissioned broker helping you out, so they don’t put too many resources into having in house help for you if you have problems with claims, billing, etc. A broker can really help in a situation like a claim issue since they know who to talk to at the insurance carrier, can help decipher EOBs, know what to say to the claims dept, etc.

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