Should you buy your health insurance from a broker? Or should you buy directly from Healthcare.gov or an Indiana insurance company? And is your rate higher by using a broker or do you receive a discounted premium? These are legitimate concerns by Indiana consumers and we will discuss the pros and cons of each choice.
Most importantly, the rate you pay for your medical coverage is exactly the same regardless of how or where you purchase that specific policy. Exchange prices do not vary for the same product, regardless of where it is purchased. Although Marketplace plans are heavily regulated, the cost of coverage and the amount of federal subsidy you receive (if you qualify) is fixed.
Enrolling Through Our Website
For example, if you purchase an Anthem HSA directly from the insurer, and the monthly premium is $210, when you enroll directly through our website, the rate will be identical to the price offered through the government Marketplace or any other broker/agent. There are never any fees you pay, or additional penalties for terminating coverage. Your customized and personalized service is always offered.
There are no associations to join and you are not required to take a physical or answer medical questions for qualified benefits. However, by reviewing all available offered plans, calculating your subsidy, and providing unbiased advice that benefits only yourself, naturally, utilizing our website and free services are your best option. We customize your personal online quotes to help you review only the most cost-effective options.
NOTE: In previous years, the government website was been riddled with glitches, delays, security concerns and confusing data. Although most of these concerns will be resolved within 12-18 months, many dissatisfied customers prefer to utilize our website. And why not? You can speak to a live person and enroll in less than 20 minutes by phone or online. If you have questions about furure TrumpCare coverage, we can provide answers.
So why do so many people choose to work with us? In my opinion, based on my three decades of experience in the healthcare business, I believe the key phrase is “unbiased.” When you visit our established website, we present current and accurate information, and recommendations that save you money. We do not work for a single insurer, and have only consider your best interests.
So instead of receiving advice and 10 reasons why you should buy a policy from “Company A,” you’re receiving expert research and guidance about “Company A. B, C, D and E.” Thus, our loyalty is to you, so you can be confident you're always paying as little as possible. And you're learning about different plan options.
If you qualify for "free" coverage, (Medicaid or subsidy) we'll objectively explain the advantages and disadvantages along with the best case and worst case scenarios. You should always be made aware of both bad and good consequences that can result from choosing a specific plan vs. another.
Because, whether it is Anthem, or UnitedHealthcare or any other carrier, we will not show bias or favoritism towards any single carrier. Our “favoritism” will be towards you…our client, who we are obligated to offer the best policies at the absolute lowest possible cost.
And personally, I have more than 32 years of experience as an insurance broker. When you call an insurer directly for a quote, I doubt you will ever speak to anyone with that type of resume.
Fees? None. Free Expert Assistance? Plenty!
What about fees that you pay? Actually, there are never any costs or fees associated with our website. Ironically, we are paid directly by the insurers since they realize that most persons purchasing coverage prefer to work with independent websites and brokers. Thus, you receive the lowest possible rate, pay no extra costs, and typically work with someone who has many years of experience that will drastically simplify a complex decision.
After you buy your policy, you may need some assistance. It may only be once per year or possibly may be more. Usually, consumers prefer to communicate and work with the same person, as opposed to a customer-service office that may have high employee turnover. It is not unusual for us to spend more time servicing than selling. And we still have not talked to one person who prefers to be serviced by a government healthcare website instead of an experienced local broker.
And that is good news for customers. Instead of talking to someone different each time you contact the .gov website (after you have been "on hold" for 20 minutes), we'll know who you are, when you call or email us. Need an answer from a live person at midnight? Most evenings, we'll provide a live response.
Updates And Reviews Always Available
And just as importantly, at some point, your existing Indiana medical coverage may need updating or perhaps even changed to a different carrier. In that situation, it is imperative that you are considering all of the companies in the state, and not just one. Prices change every week and we monitor and update product and rate fluctuations.
Indiana Open Enrollment
Open Enrollment takes place every year, so although you do not have to make any changes to your policy, it is your inherent right to switch coverage without taking a physical or answering medical questions. There is no extra cost associated to changing benefits. Since each carrier's provider networks are different, before a change is made, please ask us to verify that your existing physicians, specialists, hospitals, and other medical facilities will still be available.
Some of the circumstances that could warrant considering a change include moving to a different area, developing a chronic disease that requires tens of thousands of dollars (or more) of annual treatment, or having a family member become eligible for Medicare.
We do not question the integrity or honesty of any employee that works directly for Anthem, Humana, UnitedHealthcare or any of the top companies. Our point is that when you “go direct,” you are not really shopping or comparing all of the best plan options. You’re only seeing a fraction of the available policies, when you could be seeing them all.
When you enroll for coverage through our website, you receive the lowest possible rate, great service for all of your needs, and annual updates that review your current plan. Shopping online isn't the same as meeting in person. So we give you a choice of how you wish to receive your information.
Finally, our rates are guaranteed to be the same that are available directly through healthcare.gov or any single carrier. However, our personalized and customized expert service gives our customers a significant advantage.