What is the difference between a health insurance agent and a health insurance broker?

A health insurance agent is an individual who represents a health insurance company and sells health insurance plans. A health insurance broker, on the other hand, is an independent professional who works with multiple health insurance companies to offer health insurance plans. They can help you review plan options, coverages, and pricing to help you choose the best plan for your individual situation.

These two are often referred to as the same. And although there are some slight differences, both are tasked to help you understand your health insurance options and help you get a health insurance plan that works best for you.

The licensed agents at Skyline Insurance Agency are health insurance brokers. We represent several companies in Utah and consult and recommend their health insurance plans. We are an independent insurance agency. Our duty is to our customers and clients to help them find a solution to their health insurance needs.

What are the benefits of working with a health insurance agent or broker?

There are many benefits of working with a health insurance agent or broker. They can help analyze your insurance needs, help you save time by doing the research for you and provide you with affordable quotes from different insurers that fit within your budget. They also have a wealth of knowledge about the different types of plans available and can help you understand the coverage options.

What do Health Insurance Agents do?

Health insurance agents help you find health coverage for you and your family. A health insurance agent or broker works with multiple health insurance companies to offer health insurance plans. They can help you review plan options, coverages, and pricing to help you select the best policy for your individual situation. They help you review your insurance coverage, and insurance products, and find the right healthcare plan.

Health Insurance Licensing

All health insurance agents and brokers are required to be licensed in the states they operate in. Their activities are overseen by the Depart of Insurance for their state. Each agent has to take pre-licensing classes, pass a state-administered test, and complete Continuing Education courses to keep their license active.

Insurance Company Training & Certification

In addition to state licensing and training, each insurance company that a broker represents will require the agent to complete their training. These classes will teach the broker about their products, plans, coverages, exclusions, and pricing. All insurance companies want to ensure that the agents and brokers that are representing them are experienced and knowledgeable to answer your questions.

Do I need a Health Insurance Agent to buy a health plan in Utah?

No, you are not required to have a health insurance agent. However, an agent can save you time and money by doing the research for you and providing you with multiple quotes from different insurers.

How can I contact a licensed Health Insurance Agent?

There are many ways to contact a licensed health insurance agent. You can search online, ask friends and family for referrals, or contact your local Chamber of Commerce

How do I find a health insurance agent or broker?

There are many ways to find a health insurance agent or broker. You can ask friends and family for referrals, search online, or contact your local chamber of commerce. Once you have found a few agents or brokers, be sure to interview them to find out if they are a good fit for you.

What questions should I ask a health Insurance Agent?

When you are interviewing potential health insurance agents, be sure to ask about their experience, the types of plans they offer, and how they are compensated. You should also ask about their process for helping you choose a plan and whether they offer any discounts.

Is there a fee for working with a health insurance broker?

Some health insurance brokers may charge a fee for their services. However, many brokers are compensated by the insurance companies they work with. At Skyline Insurance Agency, we do not charge any additional fees.

How do Health Agents get paid?

All health insurance companies build the cost of an agent’s commission into the price of their health insurance plans. There is no additional fee for working with an agent or broker. You will pay the same cost for your plan whether you buy your plan with a health insurance broker, you buy directly from the health insurance company, or you buy on the health insurance marketplace. The price is the same.

Cost of not using a broker

There are several disadvantages to not working with a health insurance broker. These disadvantages include:

1. You have to call each insurance company to get quotes. A broker can access quotes from all available insurance companies for you.
2. You need to study and learn each plan’s coverage, benefits, exclusions, and costs. A broker received extensive training from each health insurance company they represent and are trained to help you narrow down your options.
3. You have to process your own application and paperwork. A broker can complete all the paperwork for you. They can also help assist you with any additional requirements you receive as a result of your application.

Using a qualified health insurance broker will help save you time, money, and hours of frustration. And all at no extra cost to you.

How do you find the best health insurance broker in Utah?

The best way to find a health insurance broker is by asking friends and family for referrals. Once you have a few names, be sure to interview them to find out if they are a good fit for you. You should ask about their experience, the types of plans they offer, and how they are compensated. You should also ask about their process for helping you choose a plan and whether they offer any discounts.

How do you know if a health insurance broker is reputable?

You can check with Google 🙂 Look for online reviews from previous insurance clients. You can also check with the Better Business Bureau or local Chamber of Commerce to see if the health insurance agency or broker you are considering is reputable.

What services can you help me with?

Skyline Insurance Agency is an independent agency. We are a local Utah health insurance agency. We can help you with your Utah Insurance, from North Logan to Southern Utah and the St George area. We are your local health insurance experts and can help with your individual health insurance, family health insurance, dental insurance, vision insurance, Medicare Advantage, and Medicare Supplement Plans.

Give our insurance team a call today, we’re happy to answer any questions you have. We work to provide top-notch customer service and offer our expertise in the insurance world to help you. Request a quote today.