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health care brokers near me

Visit New York State of Health to select the right health insurance for your individual, family or small business needs. It’s your place to shop. Get the personalized attention and quality care you deserve from your local health insurance option that has been serving our communities for over 40 years. For general inquiries about selling Humana Medicare and individual and family medical and supplemental products, please call 1-800-309-3163.

Health care brokers near me -

Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., and Cigna HealthCare of North Carolina, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Group Universal Life (GUL) insurance plans are insured by CGLIC. Life (other than GUL), accident, critical illness, hospital indemnity, and disability plans are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.

 Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website. Cigna may not control the content or links of non-Cigna websites. Details

Источник: https://www.cigna.com/contact-us/all-states

Professional health insurance brokers provide the expertise that can be very helpful in finding the best plans for your business and guiding you toward the right choices. These individuals are licensed experts who:

  • Know the market. They can discern the best products from the merely adequate.
  • Know the law. They are versed in the state and federal regulations that can expose your business to serious liabilities.
  • Know the industry. They have satisfied licensing requirements, which require them to keep up-to-date on the insurance market.

Brokers vs. Agents

When we say “broker,” we mean a professional who can direct you to products offered by a range of companies. This is in contrast to a health insurance agent, who works with only one company and promotes that company’s products. Technically, both of these types of professionals are licensed as insurance “agents,” but we distinguish between them based on common parlance. If you do not use a broker, you will likely work with an agent at each company you contact.

What Will the Broker Do?

Your broker will help you:

  • Shop for the right plan(s) for you, and provide you with one or more premium quotes.
  • Discuss alternatives with you so that you have a clear understanding of your plan choices.
  • Implement the plan you select.
  • Service the account, including solving problems with billing, eligibility and claims.
  • Ease the burden on your time by doing the “legwork” for you.
  • Get the most from your coverage after you’ve bought it.
  • Assist with the renewal process.

Broker Commissions and Fees

Brokers earn a basic commission for their services, and sometimes charge extra fees as well. Commissions are typically based on a percentage of the annual premium and are included in the premium that you pay. In other words, a broker’s basic commission is built into the insurer’s rates, so everyone pays them whether they use a broker or not. Fees, on the other hand, may be charged for certain extra services. You’ll need to make sure you know what, if any, fees will be charged when working with a broker. Extra fees are generally paid directly to the broker.

Finding and Choosing a Broker

You can find an insurance professional in your community in a number of ways:

  • Contact assocations that focus on health insurance or small business. Often they can direct you to brokers. Your state or local association of health underwriters or chamber of commerce are just two examples.
  • Ask trusted advisors, such as your accountant or attorney.
  • Check with other business owners about their experiences.
  • Check for brokers online. We discuss online brokers below.

When making a decision on whether to use a certain broker, be sure to keep the following in mind:

  • Ask about the dollar amount of any fees or commissions that you will be charged, and ask if any separate fees will be added to the premium by the agent/broker.
  • Clarify the services that you will receive. For example, some will assist you with explaining the plan to your employees; others will not.
  • Remember that an agent or broker becomes an extension of your staff. How well does this person work with your staff on a day-to-day basis?
  • Discuss how the agent or broker will assist you during the year. Will your representative be your primary contact, or is another person responsible for servicing your plan?
See “Brokers and Agents” for referral sources.

Online Brokers

There are hundreds of broker-sponsored websites aimed at consumers shopping for health insurance. Broker sites fall into two categories: those sponsored by independent brokers whose primary interaction with clients is offline, and those operated by companies that specialize in selling insurance online. The two different types of sites have different strengths.

Independent broker sites may offer only limited online capabilities, but may provide more personalized service and greater administrative support throughout the year. Brokers dedicated to the online channel may offer broader online capabilities but less ongoing support for billing, eligibility and claims issues. These sites aim to have most consumer interactions occur online, but also offer centralized telephonic customer service to augment online services.

When shopping for insurance online, you should know that broker sites sometimes have trouble keeping benefit details up to date. Once you narrow your choices down to one or two health plans, be sure to confirm coverage details (what’s covered and what’s not) at the health plan’s own website.

See “Purchasing Insurance Online” for names and contact information.

Going It Alone

If you know the health plan that you want and you have some comfort level with the world of insurance and its often confounding terminology, you could work directly with an account manager or salesperson at the insurance company. Keep in mind that when you buy insurance this way:

  • Some insurers will not sell direct.
  • Initial premium quotes are usually “representative.” Actual rates are based on your business and employee population, so your premium rate can vary greatly from the initial quote. You won’t know your actual premium until you go through the application and underwriting processes. This is also true when you work with a broker, whether traditional or web-based.
  • You will be responsible for handling all service issues, including:
    • Initial enrollments.
    • Annual enrollment periods.
    • Problem resolution (billing, eligibility, claims, and so on).

It is possible to buy group insurance directly over the Internet. Here are some things to keep in mind when buying insurance online:

  • Three types of websites provide information for consumers shopping for health insurance: broker sites, health plan sites and purchasing alliance sites.
  • At broker sites, you have a variety of plans and insurers from which to choose.
  • Not all transactions can be completed online. With some transactions or brokers, you must complete the transaction by mail or phone.

Previous: Step 2: Decide What You Want

Next: Step 4: Understand the Marketplace

 

Источник: https://www.healthcoverageguide.org/part-two-getting-covered/step-3-find-a-broker/

Health Insurance Maryland

The health insurance policy you choose matters. Today there are many health insurance companies to choose from. Which ones offer the lowest deductibles and the most coverage? Get a health insurance cost comparison from our caring agents who understand health insurance and will explain it to you. Maternity insurance, dental insurance, small business health insurance, and health insurance for the self-employed are all available at Insurance Brokers of Maryland. The right health insurance for you, your employees, and your family is only a phone call away. Contact our Emmittsburg office at 301-447-2565 or our Frederick office at 301-668-2233 and get a health insurance cost comparison today. Insurance Brokers of Maryland: See how affordable insurance can be.

Understanding Health Insurance

Perhaps, one of the biggest and most talked about topics in the Insurance Industry is Health Insurance. However, we often ask these questions. Who is a trusted insurance provider? What are my potential gaps with your policies? How can I get an affordable premium?

We understand that you have plenty of questions in mind. Insurance Brokers of Maryland thrives not only to provide great health insurance policies to our clients, but we also aim to answer all their questions and give them accurate information of their insurance package before signing up. It is very important to us that our clients have a full understanding of their coverage. Our representatives will explain everything to you and ensure that your investment makes sense. We always make sure to break down all the details of a policy so our clients fully understand what benefits come with the coverage.

Whether you are a working professional, business owner or simply a hard-working individual who puts health at the top of their priorities, purchasing the right Health Insurance policy is crucial. We can help you decrease your medical expenses and be prepared for unexpected events.

Health Insurance Frederick MD

With so many companies claiming to be the best Health Insurance provider, the options can be overwhelming. At Insurance Brokers of Maryland, we sort the best providers for you and give you comparable shopping which will allows you to make an informed decision. You don’t have to waste your time shopping; we’ll take care of this tedious process to provide you the best choices. With 32 years in the Industry, providing the most affordable yet the highest quality of Health Insurance policy; we have worked with countless clients and gained good reputation in the industry. Ask us and we will answer all the questions you may have.

Источник: https://insurancebrokersofmd.com/health-insurance-maryland/

The Role of Brokers & Agents

Agent/Broker Service Line: 1-800-547-8156
Monday – Friday: 9:00am-7:00pm PST

Licensed brokers and agents are able to help individuals and employers with the application and enrollment process, and receive commissions for the QHP enrollments they perform.

Any licensed producer who wishes to sell Exchange plans through Nevada Health Link will need to submit their contact information.  By providing your contact information you will be notified with further instruction on training and certification requirements.

Nevada Health Link is requiring ALL returning and existing Brokers and Agents to fill out the Broker Intent to Sell Form. The Intent to Sell form is now closed.

In order for Brokers/Agents to sell Exchange plans through Nevada Health Link the following is required:

    • Completion of required Nevada Health Link training modules
    • Must be a licensed producer in the State of Nevada

It is the producer’s responsibility to make sure that they are appointed with all of the carriers offering Qualified Health Plans (QHPs) through Nevada Health Link.  Payment of commissions will be governed by the agreement between the broker/agent and the carrier.  All commissions will be payable by participating carriers and not by Nevada Health Link.

By opting-in with Nevada Health Link and providing your contact information, your information will be included in the broker directory. Consumers will be able to search by zip code or name. The tool will utilize a database of contact information for all licensed brokers who are listed.

Agent/Broker Service Line: 1-800-547-8156
Monday through Friday: 9:00am-7:00pm PST

Closed for:

  • Nevada Day – Friday 10/29/2021
  • Veterans’ Day – Thursday 11/11/2021
  • Thanksgiving & Family Day – Thursday 11/25/2021 & Friday 11/26/2021
  • Christmas (observed) – Friday 12/24/2021 & Saturday 12/25/2021
  • New Year’s Eve – Friday 12/31/21
  • New Year’s Eve/ Day – Friday 12/31/21 & Saturday 1/1/22
  • Martin Luther King – Monday 1/17/22
  • President’s Day – Monday 2/21/22
  • Memorial Day – Monday 5/30/22
  • Juneteenth – Sunday 6/19/22- Observed Monday 6/20/22
  • Independence Day – Monday 7/4/22
  • Labor Day – Monday 9/5/22

Brokers and agents can call Rebecca Lomazzo with the Silver State Health Insurance Exchange at 702-486-5264 or by email at [email protected]

For Broker User Reference Manuals, Guides, and Useful Documents, please click on the ‘Reference Materials’ link below:

Reference Materials

Источник: https://www.nevadahealthlink.com/partner-resources/brokers-agents/

Find help near you

BeWellnm has certified agents/brokers and assisters/enrollment counselors across New Mexico that can help you enroll into a health plan that fits your needs.

What is the difference between an agent/broker and an assister/enrollment counselor? 

Agent/broker is a person who can help you shop for and enroll in a Marketplace health plan (sometimes called a “Qualified Health Plan”). The can also help you apply for other types of coverage and insurance, including Medicare, dental, vision, life insurance and additional supplemental plans. They can also help small business owners find a plan for their employees.

An assister/enrollment counselor is an individual (affiliated with a designated organization) who is trained and able to help you look for  Marketplace health coverage options through beWellnm, including helping you complete eligibility and enrollment forms.

Whether you are seeking help from an agent/broker or assister/enrollment counselor, assistance is completely free to those who reside in New Mexico.

Источник: https://www.bewellnm.com/we-can-help/find-help-near-you/

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Better solutions are closer than you think. Reach out today to start a conversation about how we can work together to move you forward.

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With offices across the United States, and in Canada, Europe and Puerto Rico, our health care brokers near me teams are ready to work with you.

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Источник: https://www.nfp.com/


The health insurance brokers of Minnesota Health Insurance Network (MNHI).

We are a health insurance brokerage available to help individuals and small businesses find health and other insurance.

MNHI has been in business since 1994, is a member of the Minnesota Association of Health Underwriters (MAHU), and also a member of the Better Business Bureau.




Our health insurance brokers represent Minnesota's major health health care brokers near me insurance companies: Blue Cross Blue Shield of MN, Medica, HealthPartners, PreferredOne and Assurant.

We help our clients find the right health insurance for their specific needs. health care brokers near me

MNHI is designed to help individuals, families, and small business owners find the best value for insurance and benefit needs.

We strive to provide high quality insurance including:

  • Individual and family health insurance
  • Small business and small group health insurance
  • Dental insurance
  • Life and disability insurance
  • International travel health care brokers near me medical insurance



Give us a chance to discuss how we can work closely with you or your small business. Please contact us to learn more about Minnesota Health Insurance Network.

This site is constantly being updated based on new tax law changes, so check back anytime for updates that may affect you.




Many of our customers have provided feedback for the past several years. Here are a few comments we've received:


  • I was very pleased with the help I received from Kevin. With his help I was able to get a reasonable health insurance package that's right for me. He was personable and accessible (he answers the phone!), and he knows the ins and outs of the system, which helped me a great deal. He suggested the best plans for me, and he advised me to apply for insurance from more than one provider, which I would not have considered without his advice.
  • You guys far exceed the best of customer service! You've been unbelievable to me and you never complain.
  • Kevin Rocked! I was able to explain my situation and he was able to provide numerous options from a variety of vendors immediately. Ended up going with his recommendation. He saved me a ton of time and provided detail information about what my best case worst case situations might be under each option. Very happy with his service.
  • Kevin was solid!
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  • The service was great and we received a better understanding of what Insurance would best fit our needs
  • The service we received from MNHI was wonderful. Not only did our representative respond quickly to our questions and inquiries, they were experienced and reliable with their information.

Click here if you would like to view more testimonials from our customers.

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MN Health Insurance Providers

Источник: https://www.mnhealthnetwork.com/mn_health_insurance_brokers.htm

Health Insurance Maryland

The health insurance policy you choose matters. Today there are many health insurance companies to choose from. Which ones offer the lowest deductibles and the most coverage? Get a health insurance cost comparison from our caring agents who understand health insurance and will explain it to you. Maternity insurance, dental insurance, small business health insurance, and health insurance for the self-employed are all available at Insurance Brokers of Maryland. The right health insurance for you, your employees, and your family is only a phone call away. Contact our Emmittsburg office at 301-447-2565 or our Frederick office at 301-668-2233 and get a health insurance cost comparison today. Insurance Brokers of Maryland: See how affordable insurance can be.

Understanding Health Insurance

Perhaps, one of the biggest and most talked about topics in the Insurance Industry is Health Insurance. However, we often ask these questions. Who is a trusted insurance provider? What are my potential gaps with your policies? How can I get an affordable premium?

We understand that you have plenty of questions in mind. Insurance Brokers of Maryland thrives not only to provide great health insurance policies to our clients, but we also aim to answer all their questions and give them accurate information of their insurance package before signing up. It is very important to us that our clients have a full understanding of their coverage. Our representatives will explain everything to you and ensure that your investment makes sense. We always make sure to break down all the details of a policy so our clients fully understand what benefits come with the coverage.

Whether you are a working professional, business owner or simply a hard-working individual who puts health at the top of their priorities, purchasing the right Health Insurance policy is crucial. We can help you decrease your medical expenses and be prepared for unexpected events.

Health Insurance Frederick MD

With so many companies claiming to be the best Health Insurance provider, the options can be overwhelming. At Insurance Brokers of Maryland, we sort the best providers for you and give you comparable shopping which will allows you to make an informed decision. You don’t have to waste your time shopping; we’ll take care of this tedious process to provide you the best choices. With 32 years in the Industry, providing the most affordable yet the highest quality of Health Insurance policy; we have worked with countless clients and gained good reputation in the industry. Ask us and we will answer all the questions you may have.

Источник: https://insurancebrokersofmd.com/health-insurance-maryland/

The Role of Brokers & Agents

Agent/Broker Service Line: 1-800-547-8156
Monday – Friday: 9:00am-7:00pm PST

Licensed brokers and agents are able health care brokers near me help individuals and employers with the application and enrollment process, and receive commissions for the QHP enrollments they perform.

Any licensed producer who wishes to sell Exchange plans through Nevada Health Link will need to submit their contact information.  By providing your contact information you will be notified with further instruction on training and certification requirements.

Nevada Health Link is requiring ALL returning and existing Brokers and Agents to fill out phone number santander customer service Broker Intent to Sell Form. The Intent to Sell form is now closed.

In order for Brokers/Agents to sell Exchange plans through Nevada Health Link the following is required:

    • Completion of required Nevada Health Link training modules
    • Must be a licensed producer in the State of Nevada

It is the producer’s responsibility to make sure that they are appointed with all of the carriers offering Qualified Health Plans (QHPs) through Nevada Health Link.  Payment of commissions will be governed by the agreement between the broker/agent and the carrier.  All commissions will be payable by participating carriers and not by Nevada Health Link.

By opting-in with Nevada Health Link and providing your contact information, your information will be included in the broker directory. Consumers will be able to search by zip code or name. The tool will utilize a database of contact information for all licensed brokers who are listed.

Agent/Broker Service Line: 1-800-547-8156
Monday through Friday: 9:00am-7:00pm PST

Closed for:

  • Nevada Day – Friday 10/29/2021
  • Veterans’ Day – Thursday 11/11/2021
  • Thanksgiving & Family Day – Thursday 11/25/2021 & Friday 11/26/2021
  • Christmas (observed) – Friday 12/24/2021 & Saturday 12/25/2021
  • New Year’s Eve – Friday 12/31/21
  • New Year’s Eve/ Day – Friday 12/31/21 & Saturday 1/1/22
  • Martin Luther King – Monday 1/17/22
  • President’s Day – Monday 2/21/22
  • Memorial Day – Monday 5/30/22
  • Juneteenth – Sunday 6/19/22- Observed Monday 6/20/22
  • Independence Day – Monday 7/4/22
  • Labor Day – Monday 9/5/22

Brokers and agents can call Rebecca Lomazzo with the Silver State Health Insurance Exchange at 702-486-5264 or by email at [email protected]

For Broker User Reference Manuals, Guides, and Useful Documents, please click on the ‘Reference Materials’ link below:

Reference Materials

Источник: https://www.nevadahealthlink.com/partner-resources/brokers-agents/

GetCoveredNJ

GetCoveredNJ has a network of trained professionals who can help you enroll at no cost. You can find a certified Assister or Broker in your area who can guide you through the application and help you find the right plan.

Navigators are trained and certified individuals who can provide free assistance in-person or remotely.

Assisters are trained and certified. They can give free over-the-phone and in-person help to consumers shopping for health coverage on GetCoveredNJ.

Agents and Brokers are licensed in New Jersey and trained and registered by the Marketplace. They are generally paid health care brokers near me insurance companies whose plans they sell. They are required to act in a consumer’s best interest and can refer consumers for Medicaid/CHIP help.

Find Local Assistance

Ready to talk to an expert?

Locate an assister near you now, it’s free! To begin, navigate to https://enroll.getcovered.nj.gov/hix and click the Help & Support Menu, then choose “Find Local Assistance:”

Screenshot: showing how to navigate to XXX and click the Help & Support Menu, then choose “Find Local Assistance:

Next, choose whether to search for a New Jersey Certified Agent or Broker or New Jersey Certified Assister near you:

 Screenshot: Showing how to choose whether to search for a New Jersey Certified Agent or Broker or New Jersey Certified Assister near you

 

For Agents/Brokers, you can search by location (i.e. Zip code and distance), or if you know the name of your Agent/Broker you can search by their First/Last Name or Company Name:

 Screenshot: Search for a Certified Agent or Broker

For Assisters, you can search by location (i.e. Zip code and distance), or you can search for an organization by name:

 Screenshot showing how to Search for in-person assistance Get Covered New Jersey


Back
to top
Источник: https://nj.gov/getcoverednj/help/local/

Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., and Cigna HealthCare of North Carolina, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Group Universal Life (GUL) insurance plans are insured by CGLIC. Life (other than GUL), accident, critical illness, hospital indemnity, and disability plans are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.

 Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website. Cigna may not control the content or links of non-Cigna websites. Details

Источник: https://www.cigna.com/contact-us/all-states

Find help near you

BeWellnm has certified agents/brokers health care brokers near me assisters/enrollment counselors across New Mexico that can help you enroll into a health plan that fits your needs.

What is the difference between an agent/broker and an assister/enrollment counselor? 

Agent/broker is a person who can help you shop for and enroll in a Marketplace health plan (sometimes called a “Qualified Health Plan”). The can also help you apply for other types of coverage and insurance, including Medicare, dental, vision, life insurance and additional supplemental plans. They can also help small business owners find a plan for their employees.

An assister/enrollment counselor is an individual (affiliated with a designated organization) who is trained and able to help you look for  Marketplace health coverage options through beWellnm, including helping you complete eligibility and enrollment forms.

Whether you are seeking help from an agent/broker or assister/enrollment counselor, assistance is completely free to those who reside in New Mexico.

Источник: https://www.bewellnm.com/we-can-help/find-help-near-you/

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