Purchasing healthcare coverage is like filing your tax return. You know you have to do it, but it’s time-consuming, frustrating and you hope you don’t have to pay too much. And thankfully, you only have to take care of it once per year.
Here in Ohio, we get a big break. Not only are rates lower than most states, but we have a much broader selection of companies that offer policies. Whether its Anthem BC, Medical Mutual, Kaiser, Aetna, Coventry or UnitedHealthcare, low-cost policies are typically available. And of course, the federal subsidy often saves thousands of dollars per year in premiums.
So…Back to the original question. When you’re shopping for a policy, where do you find the best prices? Since rates are closely scrutinized by the Department Of Insurance, you can’t get a better “deal” by using a specific, broker, company website or Exchange. However, finding the best low-cost plans that match a customer’s unique needs are best addressed by an experienced broker.
Instead of comparing policies from one specific carrier, you’re able to view the best available policies from all major top-rated companies. It’s just like shopping for a vehicle or appliance. Typically, you would like to see more than one brand before buying. The same applies to buying Ohio health insurance plans. While Anthem may be the perfect fit for your neighbor, perhaps Humana or Kaiser offer better policies for you. Thus, it’s critical to use an independent broker.
Not Just “Any” Broker
Brokers come in all shapes and sizes. Some are young and inexperienced, and others are terrific resources for information and assistance. Their websites may be constantly updated or simply contain pictures of their favorite pets! You just never know.
With our website, you get the best of everything. We have the luxury of 33 years of experience along with the most modern and updated healthcare software, that helps us research, compare and recommend your best choices. When it’s time to apply or enroll for coverage, we’re at your side (if you want) throughout the entire process. Or just a phone call or email away. The choice is yours. We also provide an updated Q&A page that may easily answer many of your questions and concerns.
Our promise is that you will be presented with the best available options at the lowest possible costs. A federal subsidy, if applicable, will reduce your premium, and only the most reputable companies will be used.
Who should I contact
to compare plans, enroll, and seek advice?
A Licensed Agent
The Government Exchange
Will they show plans ON the government Exchange Marketplace and plans OFF the Exchange (in the Private Market)?
Yes, if they are participating in both markets
No, shows only plans on the Government Exchange (Marketplace)
Can they show plans from ALL major health Insurance Companies in the state?
Yes! Independent Agents (Brokers) are licensed and contracted with many insurance companies
No, only shows their own plans
No, only the insurers on the Government Exchange (Marketplace) and only those specific plans
Yes! Access to the same personal advisor, a licensed and insured Agent (Broker), who has years of experience and specialized training in the new laws
Many advisors in a call center, but no access to the same advisor. Many of them have years of experience and specialized training in the new laws.
Many advisors in a call center, or unlicensed and uninsured Navigators and Application Counselors, newly hired and newly trained
Personal Phone Call?
Call Center only
Call Center only
Unlicensed newly hired Navigators or a meeting at the Exchange Call Center
Customer Service after the Sale?
Customer Assistance and help with understanding the insurance plan, claims, billing, enrollment rights, subsidies, problem resolution?
Yes, service from an employee of the insurance company
Yes, for some but not all issues. The service is from a government employee.
The insurance price is the same no matter which choice you make.
You do not pay a higher rate by using a broker and/or their website.