It cost nothing to use a broker. The rate for a plan is the same with one as without a broker, but with a broker you get a professional to help you with service issues throughout the year and with questions/guidance at renewal time.
Independent brokers and agents usually contract with multiple companies and plans, so you don’t only get a salesperson that is direct with that one carrier and can’t compare multiple options for you!
Once you decide on a broker, think about what plan you should go with and then discuss it with your broker:
Be realistic and think about your lifestyle when choosing a plan and premium. You are the one who will need to make the premium payment each month.
Focus on what points actually matter in a plan. Are you someone who goes to the doctor every month or sees a lot of specialists? Then you’ll want to make sure you have copays available up front, and not a limited number of them or only available after you’ve paid the entire deductible.
Confirm that the doctor you use is in network or in your plan. Many times people purchase a plan without looking into whether their doctor is in network or not.
When shopping for health insurance, shop smart.
Don’t be deceived by insurance agencies allowing them to sell you plans from their preferred carriers so that they can clinch the sale and leave you with obstacles to solve.
When you reach out to Cosmo, our health insurance brokers in New Jersey spend all the time necessary to determine what your needs and priorities are. We are independent and offer plans from a large spectrum of reputable carriers. We explain your options in great detail and clarity– down to the fine print – so that you can choose a plan that will satisfy you for the long term.
