What Role Does Your California Health Insurance Agent Or Broker Play?
First, what is the difference between a broker and an agent?
These terms are often interchanged in conversation. Officially, an Agent is an individual or company that acts on behalf of the carriers to market, sell, and service insurance. The Agent has a contract with the carrier in order to transact this business. A broker is person who also contracts with carriers but officially acts on behalf of the client. In practical terms, they are not that different when dealing with California health insurance.
For example, Goodacre Insurance Services is a California agent but our goal is to find the right plan for a individual or company across the major carriers. If Blue Cross has the right option and better pricing for a given person or company, then that’s where we will go. We are independent agents which is important because we do not have interest in pushing one particular company or plan. We do have knowledge from dealing with the carriers every day in terms of which companies are easier to deal with, more stable, or better priced. There are dozens of plans on the market so this can...
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