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California Health Insurance Broker

What are some important things to look for in a California health insurance broker? Is it possible to save money by just going directly to the insurance company for a health plan? How will having a California health insurance broker help me? These are all great questions – let’s explore these topics in detail so that you will be able to find the best value in a CA health plan and experience great service from a California health insurance agent/broker!

Things To Look For In A California Health Insurance Broker

The most important thing to look for in a California health insurance broker is independence. When an agent is independent then that the agent is able to work with many different health insurance companies all across the state of California. Some insurance agents can only work with one insurance company; these agents are called captive. A captive insurance agent does not have the ability to “shop your policy” around and help you compare CA health insurance quotes from 2, 3, 4 or even 5 different insurance companies.

Ideally, you will want to compare California health insurance quotes from at least 3 different health insurance companies. There are many strong health insurers in the state of California, including but not limited to: Blue Cross Blue Shield of CA, PacifiCare (United Healthcare), Kaiser Permanente, and Aetna. You can use our free insurance quote finder on our home page to compare multiple California health insurance plan quotes side by side online.

Working With a California Insurance Broker Vs. Going Direct To The Insurer

You will never be able to get a cheaper health insurance rate by choosing to work directly with an insurance company rather than with a California health insurance agent. CA health insurance rates are regulated by the state and set by the insurance company. The rates are the same regardless of whether you purchase from Bob Smith, Agent or John Jones, Agent or directly from the insurance company.

(WARNING: Watch out for the unethical practice of “lowballing”. “Lowballing” is when an insurance agent shows you a quote that appears to be much lower than a quote for the same plan that you have seen somewhere else. An agent can make the quoted rate appear much lower by changing your personal information like your age, height, weight, etc. Don’t be fooled because when the application is submitted the rates will of course be adjusted to their correct level by the insurance company. You can avoid being a victim of “lowballing” by inputting your personal info in yourself at our free California health insurance quote finder).

How Working With A California Health Insurance Broker Will Help You

If you choose to apply directly with the insurance company without the assistance of a CA health agent then you are missing out on a valuable resource.

When working with a California health insurance agent/broker you will not only benefit from the expertise and experience of the health insurance agent but you will also benefit from their objective and hopefully unbiased viewpoint. Your health agent should be able to help you compare the different insurance company’s plans that are available to you in your zip code and point out the pros and cons of each different selection.

Also, having an independent California health insurance agent can prove invaluable years down the road as you will want to re-evaluate your health insurance coverage on at least an annual basis. (If you choose to work directly with an insurance company then they will always push you to stay with them – imagine the absurdity of a Kaiser Permanente customer service representative offering to help you compare Blue Cross Blue Shield and Aetna quotes!)

All of these reasons are great selling points for choosing a California health insurance broker over choosing to work directly with an insurance company.You can be put in touch with a knowledgeable California health insurance broker and view personalized health insurance quotes online from all of the top insurance companies that offer coverage in your zip code in minutes! Get free California health insurance quotes now!

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