Four Reasons You Need An Insurance Broker

If you’re in the market for health insurance, it can be tempting to simply search online and pick what looks like the best deal. At Thomas & Associates, our insurance brokers can help you find the right health insurance policy to meet your needs. 

In this article, we’re looking at four ways that an insurance broker can help you.

TABLE OF CONTENTS:

  • Breaking Down the Benefits of An Insurance Broker
  • Your Range of Options With Thomas & Associates:
  • Cost Savings in Your Plan
  • Claim Assistance
  • Let’s Get Started

 

Breaking Down the Benefits of An Insurance Broker:

To begin, let’s break down what an insurance broker is.

Insurance Broker: A professional with the training and knowledge of many health insurer policies and can sell these to individuals or business owners. 

Reputable insurance brokers may be licensed to sell policies from any company. Unlike speaking with a representative from an individual insurance company, who has a significant interest in encouraging you to choose their company’s policy, insurance brokers give impartial advice, looking at each client’s needs and budget.

Thomas & Associates’ insurance brokers can compare similar policies including:

  • Premium costs
  • Conditions that are covered
  • Exclusions
  • Whether the policy will address their unique needs. 

Insurance companies generally won’t help people compare their policies with a competitor.

 

Your Range of Options With Thomas & Associates

Our insurance brokers can show you the offerings from many different health insurance companies in Jacksonville, FL. Some companies will provide a discount for businesses that employ a certain number of employees or may have special limited coverage plans with reduced rates for corporate clients. Other insurance companies may have full-service options that include special perks for individuals, including sponsored gym memberships, or free flu shots, and other preventative health care. Our professional brokers can help you find the right fit for your lifestyle at a price you can afford.

 

Cost Savings in Your Plan

Thomas & Associates’ team can help you find the best deal and may be able to negotiate with insurance companies on their client’s behalf for things like a higher deductible in exchange for lower monthly rates, or a much lower deductible and higher rates for families who may have frequent doctor visits. The cost savings that you’ll get from working with a broker can quickly pay for themselves.

 

Claim Assistance

Our brokers can help you when it’s time to file an insurance claim, walking you through the process and ensuring that you have the right documentation for the claim to be processed. We can also help you if a claim is denied, giving you advice on steps you need to take to appeal the claim or re-file it with the right justifications. Instead of trying to figure it out yourself, our brokers save you a lot of time and headaches with their thorough knowledge.

 

Let’s Get Started

When you’re looking for health insurance companies in Jacksonville, FL, look no further than Thomas & Associates, providing insurance guidance for families just like yours since 1970. Whether you’re looking for an individual policy or group coverage, we can help you with the right health insurance in Jacksonville. Give us a call or visit us online to learn more!

 


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