We came across a recent article written by a colleague of ours in which he compares buying health insurance to replacing the roof on your house — for most of us, if we tried to replace our own roof, we would have no idea where to begin, what kind of shingles to use, or how to do the job.
We like the comparison! And it is very true.
Most Americans have no idea where to begin when it comes to selecting health insurance. The various options and benefits are confusing, and the stakes — your health and your budget — are high.
So just as you would hire an expert to replace your roof, here are four reasons you should consult with an expert — a broker — when buying health insurance:
1- Working with a health insurance broker costs you nothing extra; it may even save you money.
Whether you buy your coverage through a broker, on your state’s exchange (healthcare.gov for Virginia residents), directly from a carrier, or from any other source, the premiums are identical. Rates are regulated by your state and cannot be marked up or down.
Working with Virginia Medical Plans gives you the benefit of our years of experience to guide you through the process, ensuring you’re getting the right coverage for your needs. This means not paying more for coverage you won’t need, and getting the best coverage for your money.
2 – Our service continues for the life of your policy.
Before, during, and after you enroll in a plan, we are at your side. From choosing the right plan, to helping with enrollment, to assisting with claims or billing questions, we are just a phone call or email away.
3 – We work WITH all the major health insurance carriers, but we don’t work FOR them!
Our goal is not to sell you a product, but rather to educate you on the best options out there. After all, you can’t make a sound decision without knowing the facts.
4 – We provide a one-stop-shop for health insurance.
Because we work with all the major carriers, we provide a one-stop, hassle-free source to compare all of your options. And then we help you identify the product(s) that will best meet your needs.
Benefits of Hiring a Broker
Here is a quick comparison chart showing why going through a broker is the best way to purchase health insurance.
Broker | Healthcare.gov or other state exchange | Direct from Carrier | |
Licensed |
X |
X |
|
Expert Advice |
X |
X |
|
One-Stop Shop to Compare Plans from Multiple Carriers |
X |
||
Help with Enrollment |
X |
X |
X |
Help with Claims |
X |
||
Help wth Billing Disputes |
X |
Contact Virginia Medical Plans
You would not replace your roof on your own, so don’t choose your health insurance on your own!
Give us a call 1-800-867-0800 or send us an email: jkatz@vamedicalplans.com. We are here to help!