A broker is a person or business that is licensed by your state to sell you insurance. Brokers have to stay on top of state and federal regulations that constantly changing. They can help you get all types of insurance: health, life, dental, long-term care, disability and vision insurance. Here’s what you can expect your brokers here at Cosmo Insurance to do for you.
Number 1: We will help you select the right plans for yourself, your family or your business. There is no one size fits all when it comes to your insurance. For businesses you’re going to need a plan that fits the size of your business and your employees’ needs. When it comes to your family you need a plan that covers your spouse and children specific needs.
Number 2: At Cosmo we search through every possible plan while keeping your budget in mind. We explain all your benefits in the simplest form that you will understand.
Number 3: We work directly with the carriers to enroll your family and or employees in the plan. We help with every aspect of enrollment, any hiccup during this process can have a huge impact so getting the proper guidance is essential.
We also help your business stay compliance when comes to ACA, HIPAA, Cobra and more. The rules are always changing especially now. We will stay update to date to keep our clients in the clear.
Number 4: Our team is here to answer any of your question including your team’s benefits even after enrollment happens. We help with terminations and life changes that may occur.
Regardless if its business or individual insurance we are here to help you renew or find better options. We make the processes as painless as possible.
Number 5: The best thing about working with a Cosmo Insurance broker is that we provide assists when it comes to your claims or billing issues. We will fight with the carriers to make sure you are being charged correctly. Our claims department is here to help you 24/7
Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.
