3 things to keep in mind when working with health insurance brokers in Atlanta, GA
Health insurance is an important part of the benefits package an employer can offer. In fact, it’s not uncommon for employees to hold a job for the health insurance benefits alone. At Stellar Insurance, we understand this. We also know that employer-paid insurance packages can be complicated and expensive for you to pay for. This is why it’s a good idea to work with health insurance brokers in Atlanta, GA. However, there are certain things that you should keep in mind when choosing a broker to work for you. Read our guide below for some tips.
Do they have your best interests in mind?
Always remember that your health insurance broker works for you and not the insurance company. This means that they should have your best interests in mind when helping you find a proper insurance plan. Part of this includes finding an insurance plan that provides you with the necessary coverage you’re looking for at a price that’s affordable for you and your employees.
It’s important to keep in mind that not everybody wants to pay for an insurance plan that comes with a low copay or deductible. You’re likely to have employees who have no problem paying a minimal premium each month with basic coverage. On the other hand, others will want full coverage and are willing to pay top dollar for it. Along this vein, a broker should be able to find a plan or multiple plans that offer your employees a balance between health insurance coverage and affordability.
Will they educate you and your employees?
Health insurance coverage can be complicated. With policies that include coinsurance, copays, deductibles, and other confusing jargon, it can be difficult to understand what exactly you’re paying for with your coverage. An insurance broker should be experienced enough to have a strong understanding of what exactly you’re paying for to explain it to you.
While your employees don’t have to be experts in your company’s available insurance plans, it’s beneficial to them to have even a basic understanding of the plans that they’re signing up for. It’s important to know the benefits and perks that are available with an insurance policy as it can help to promote healthier living.
Will they help with renewals and plan changes?
It’s not uncommon for insurance companies to make changes to your plan when it’s time to renew. It also seems like each year your monthly premiums go up as coverage goes down. Your health insurance broker should be available to help you with your renewal while negotiating changes with your insurance company. If you’re comfortable with your plan, it’s ideal to make minimal changes in the policy. This helps to keep coverage affordable for you and your employees. Conversely, your insurance broker should help to keep your plan as affordable as possible for your company. Health insurance is not only an integral part of your company’s benefits package, but it’s also a big part of keeping our employees healthy and able to work.
Contact us for more
If you’re searching for health insurance brokers in Atlanta, GA, get in touch with our team at Stellar Insurance. Our team of insurance brokers can work with you and your company to find the best possible insurance plan for your employees. We’re proud to help our neighbors find the insurance coverage that’s right for them. Reach out by giving our team a call today at 833-224-5168 or send us a message to schedule an appointment. We look forward to working with you as your company’s insurance broker.