Small Business Health Insurance Quotes – 3 Reasons You Need a Broker

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[/raw] It’s 2013 and with the new taxes that seem to be coming the way of business owners and employees alike I would imagine trimming the fat out of the budget may be at the top of most people’s to do list.  One of the best ways to do this may be to get some small business health insurance quotes and try to save you and your employees some money of benefits.  Here are 3 reasons a broker may help you do just that while saving you a headache or two.

Multiple quotes – A broker can work with you and complete a fact finder one time then go out and quote multiple companies.  They know who is hot right now and who is expensive.  A broker has relationships with insurance companies to help you get the quotes back quickly.  They will be able to only present you with plans that have the benefits you are looking for and ensure that you are entirely familiar with the plan you choose without having to read over gobs of product brochures.

One point of contact- You won’t need to know 5 or 10 prompts to get a live person on the phone. You won’t have to have your EIN number and group number handy at all times, and you will be able to deal with the same person every time you call.  You will talk to your broker or maybe their assistant.  You will get someone who is in the United States, knows something about your business, and isn’t in some large corporate call center.  You won’t have to ask for a supervisor, you will be speaking to them and they will be able to answer your questions or get an answer for you.  A broker can reduce the stress of managing your group benefit plan immensely.

Education- Brokers work in a highly regulated insurance environment.  Brokers are required to attend continuing education regularly and many do it as part of their own personal improvement plans.  They have to be licensed to sell and familiar with state and federal laws.  If you want to be sure you are working with someone who has put in the time to be licensed and stay informed, a broker is the way to go.  Company employees often do not need to be licensed, only supervised by someone who is.  Brokers also specialize in filtering complex plan information into terms you can understand.  Your specialty may be construction, IT, or running a service business.  A brokers job is meant to help you understand everything you would like to know about the product you choose.

These are just a few ways a broker can help you when you are looking for small business health insurance quotes.  There are plenty of other ways and you should have a discussion with your broker or feel free to reach out to us.  Here’s to a successful 2013.