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Watch this short video to learn the basics of Utah health insurance plans.
What’s the difference Between a "Utah Health Insurance Agent" and a "Utah Health Insurance Broker?”
When it’s time to purchase a Utah health insurance plan, there are two options you have available: one way is through a health insurance agent, and the second option is through a health insurance broker. While the kinds of health insurance products that are available are essentially the same whether you choose to get them from one or the other, the kind of services you can expect and options made available are vastly different between an agent and a broker. Understanding these differences will help you determine which option to choose when it’s time to purchase your health insurance coverage. There are definite benefits to each one that you’ll want to know and take advantage of to make your search for and purchase of a health insurance product less of a hassle.
A health insurance agent is a person who is contracted by a particular health insurance company to sell its products and services, while a health insurance broker is a person who works independently and sells products and services from various health insurance companies. This presents a clear difference in the kind of services that you can expect to get from each one of these insurance professionals. An agent will only be able to sell you products and services from one particular company and is therefore likely to be biased towards the company he represents and unable to provide you with more options. On the other hand, a broker will be able to take health insurance products from various providers, do the comparison for you, and offer you the one that best suits your needs. Contacting a broker will eliminate the need for you to talk to several agents to get health insurance quotes from various health insurance companies.
Although a health insurance broker is also a health insurance agent, he is not contractually obligated to represent only one company and push only one particular health insurance product. A broker, therefore, can give you more options and recommend the best plan options that will most appropriately fit your individuals needs, and not on the basis of their affiliation or source of compensation. For these reasons and many others the obvious choice would be to deal with a Utah health insurance broker rather than a captive agent. You may be asking yourself…how are these insurance brokers compensated? Brokers are compensated by the insurance carriers after they have properly serviced your insurance needs. The best part about using a broker is you’ll pay the same rate going through a broker as you would going straight to the insurance carrier, so why wouldn’t you want to use a broker and get their unbiased advice.
So what are you waiting for...start saving on your Utah health insurance today, go with Utah's #1 health insurance broker: www.UtahIndividualHealthInsurance.com
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