Knowing What To Look For In A Broker Is They Key To Finding The Right One
Unfortunately, finding a health insurance broker is not like finding an excellent Mexican restaurant in Scottsdale. That is because you’ve likely eaten tacos, burritos, black beans, and guacamole for the better part of your life. You know the difference between good salsa and bad, and we are lucky enough to live in Arizona where there are a plethora of great choices.
But finding a health insurance broker for your small business is another story. And getting the right group health coverage at the best prices for your employees is a lot more important than what you’re having for dinner tomorrow night.
Because you may not know where to look, what to look for, and what separates the right broker from the wrong one, finding a health insurance broker can be an intimidating and uncertain process.
But the hunt for group health insurance doesn’t have to be a major hassle. If you need quotes, information, and guidance on your quest to provide your employees with coverage that will keep them healthy, happy, productive, and motivated, consider these helpful tips.
Understand What A Group Health Insurance Broker Does
You hire an attorney to guide you through the complexities of the law. You see a doctor to diagnose illnesses and get the care you need. You do this because lawyers and physicians have specialized training, experience, and expertise in their fields that the people they serve do not.
The same is true with independent group health insurance brokers. Brokers licensed in Arizona possess both the resources and the expertise to help local small business owners understand their needs as well as the insurance plans and options best suited to meet those needs. Brokers can explain how health insurance works, provide you with a selection of alternatives and help you select the plan that is best suited to your workforce and your budget. And the very best Arizona group health brokers will guide you through the enrollment process and be there afterward to answer questions and help with your plan's administration.
Look For An Independent Broker
When looking for help buying an Arizona group health insurance policy, make sure you look at policies that are sold by an independent broker. This means that they work with multiple carriers that offer a variety of plans instead of being tied to just one insurance company. If you do not work with an independent broker, you will have limited choices, and the choices you do have may not meet your needs.
Being an independent group health broker also means the ability to provide you with objective analysis and guidance focused on what plan or carrier is best for you and your company, not what is best for their bottom line. Additionally, you will not need to pay any kind of fee to an independent health insurance broker, so there is no downside to taking advantage of all that an independent broker can offer.
Look For Someone Local
There are countless websites and online insurance agents that will promise to take care of finding and enrolling your company in a group health insurance plan. But take a moment to ask yourself: How comfortable am I with entrusting my employees' health, not to mention my company’s finances, to a faceless, nameless person I will never meet, and who might change with each call I make for information about my plan? How will I know the qualifications of the “representative” I deal with, and how well can they know my company if they are thousands of miles away?
Arizona is unique, and so is your Arizona business. Your concerns and requirements aren’t the same as every other company out there or even the same as your closest competitor. A local Arizona health insurance broker can meet with you often and will spend the time getting to know you, your business, and your workforce. This level of personal attention can help you understand the options your business needs, and which it doesn’t. A local broker will be there when you have questions and make themselves personally available when you need them, from the discussion stage right through to plan administration.
Look At What Others Say
All brokers will toot their own horn, and explain to you why they are the best in their field. But what customers, carriers, and colleagues say about their experiences is infinitely more reliable. Look for unbiased, positive customer reviews, make sure that the broker has no license or disciplinary issues, and check to see if they are members of certified professional health insurance and brokerage organizations, such as the National Association of Health Underwriters.
Finding A Health Insurance Broker For Your Arizona Business Is As Easy As Picking Up The Phone
If you are about to begin the process of finding a health insurance broker, the independent Arizona health insurance brokers at Anderson Insurance Services are ready to help. We are a locally owned Arizona small business and individual health insurance broker with over three decades of experience servicing the health insurance needs of companies in Scottsdale and throughout Arizona. We are committed to answering your questions, addressing your concerns, and providing solutions to keep you and your workforce safe and healthy.
To obtain a quote and arrange a free consultation to discuss your small business health insurance needs, contact Anderson Insurance Services today.