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Eric Wilson
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Eric Wilson   My Press Releases

Purchasing Health insurance through a broker might be a good idea??

Published on 11/20/2018
For additional information  Click Here

The internet is everywhere, you purchase Christmas presents online, this week I purchased my son a Nintendo ds online, yes, you can even purchase health insurance online.

Using the internet to purchase health insurance has some advantages, it might save you some time, you might even be able to compare plans and get estimated premiums.

All of these are advantages of the internet, however, it is not that simple. Usually, the premiums quoted on the internet are preferred pricing, which many people cannot qualify due to medical conditions or height and weight restrictions. They also like to show their lowest priced plans. Some companies will show you their 50%/50% coverage because it will be priced lower than their 80%/20% plan. Others have a higher out of pocket maximum, which means you are paying more at the time of claim.

Insurance companies have to file their rates with the state insurance department so it does not cost you any more to work with a broker, that with the internet. There are several reasons to work with a trusted insurance broker, here are just a few…

A good broker will be able to help you pick the right plan for you and your needs, and can also get you with the right career. For example, Celtic Insurance based in the Chicago area is often times the lowest priced plan. Their business model is that Celtic, as a company has decided in all of their PPO, plans to only pay for two doctor visits per person on the policy per year. Now for most people that is plenty. It is not for everyone. I spoke to a client a week ago who was on my website wanting Celtic because it had the lowest premium. After speaking with her, I found out, she went to visit the doctor over 20 times last year. Celtic was not the carrier for her.
Many carriers will exclude pre-existing conditions for 12 months or more. Aetna will not exclude those conditions if you have had creditable coverage for at least 18 months. They either accept you or they do not. The first question I ask when someone tells me they have a pre-existing condition is “do you want to get them covered?” Dealing with a broker saves you time.

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