Internet ha revolucionado la forma en que los humanos interactuamos y compramos las cosas que necesitamos, incluido el seguro médico.
For companies, shopping for health insurance quotes is much more complex, however. Identifying the needs of your employees, working within regulation, and determining the costs can overwhelm even the most seasoned benefits team.
Clearly, shopping online for health insurance isn’t the best route to go. Instead, companies need qualified agents on their side.
Sin embargo, incluso si su empresa tiene un agente, aún podría estar perdiendo importantes ahorros de costos y servicios.
¿Cómo sabes si lo eres?
Let’s dive a bit deeper into what your insurance agent should be doing and how you can figure out if you’re getting the best service or if it is time to change your agent of record.
Agentes y corredores de seguros: ¿Qué hace un agente de seguros de salud?
A health insurance agent is different from a broker in that they typically work with one product. This limits your ability to choose alternative plan options. However, a broker has more flexibility to shop around on your behalf and get you the best possible outcome. If you’re looking to save more money, improve your employee benefits, or simply find a better plan, a group health insurance broker could be a better solution. Read more about the difference between a health insurance broker and agent.
The Basics—The Bare Minimum Services Your Agent Should Offer
Le ayudamos con sus reclamaciones
Your insurance agent should be assisting you with any claim issues your employees encounter. This could be something as simple as calling a hospital on the insured’s behalf to more complex tasks like writing letters to doctors and hospitals and sending documents to the right locations.
Negociar las tarifas de renovación del plan de seguro
Las renovaciones se realizan casi todos los años y, sin un agente o corredor de seguros de salud capacitado y experimentado, las primas podrían dispararse, al igual que los gastos de bolsillo de los empleados. Su agente debería negociar las tarifas de renovación en su nombre.
Proporcionar información sobre los planes de seguro de salud
Your health insurance agent should also explain your benefits, plan designs, and options to employees if needed. Since your plans may change from year to year, it’s important that your agent does this every single enrollment period.
Ayuda con problemas de facturación
Si sus empleados tienen problemas para aplicar su seguro a tratamientos específicos que están cubiertos o tienen problemas con la facturación en general, su agente debería ayudarlos. Su agente debería realmente servir como una red de apoyo para cualquier cosa relacionada con la facturación.
Señales de que su agente podría hacer más
Su agente de seguros debe ser su defensor, asesor y socio dedicado en materia de seguros de salud. Para determinar si su agente es el adecuado para usted, tenga en cuenta estas cinco señales de que podría estar haciendo más.
Sign #1. You haven’t noticed any significant cost savings.
You should absolutely expect and receive cost savings by using a health insurance agent. They should be able to get the savings you need to stay in business and support your employees. Good cost-savings are a great sign that you’ve hired an experienced and skilled broker. That experience should be leveraged on your behalf.
Tenga en cuenta que las compañías de seguros tienen más que ganar si trabajan con un corredor experimentado, ya que los corredores ayudan a sus clientes con la gestión de riesgos. La gestión de riesgos le ayuda a evitar riesgos y exposiciones que pueden dar lugar a reclamaciones más graves.
Señal #2. Pasas demasiado tiempo llamando a otros proveedores.
Your agent should save you from spending time calling to speak with account managers to negotiate rates. You shouldn’t have to worry about policy agreements or adding different policies to your current plan. Your agent should handle this for you. If they are not, your agent is not going above and beyond for you.
Señal #3. El servicio al cliente es deficiente.
El servicio es un componente importante de contar con un agente de seguros de salud de su lado. El servicio al cliente de su agente siempre debe ser proactivo. Su agente debe saber qué necesitan usted y sus empleados antes que usted y debe hacerle esas sugerencias durante todo el año.
Customer service also has to do with friendliness. If your agent isn’t friendly or you don’t feel they are offering the quality of service you need to make intelligent decisions, they definitely aren’t going above and beyond.
Firma #4. Estás manejando componentes más complejos de tus políticas que ellos.
Su agente debe actuar como su asesor de beneficios para empleados. Debe ocuparse de todos los aspectos confusos, incómodos y complejos de sus pólizas de seguro. También debe ofrecerle el asesoramiento que necesita para gestionar sus pólizas, reclamaciones, etc.
This is essential for employers. You simply do not have the bandwidth to manage your employee benefits, including medical insurance, on your own. You need a trusted advisor to manage it for you. If your agent isn’t tackling all the details of your employer-sponsored plans, then you should consider shopping for a new agent.
Firma #5. Te sientes obligado a respetar determinadas políticas.
Your agent should be an advocate and a professional who is free to offer the best plan for you and your employees. Instead of being locked into policies because your agent isn’t free to offer other products, you should be able to choose what’s best.
Sus empleados merecen las mejores pólizas y coberturas, y usted merece los ahorros de costos adecuados. Con el agente adecuado de su lado, podrá conseguir un plan que funcione tanto para usted como para sus empleados.
¿En qué se diferencia PCI?
At Primary Care Insurance Solutions, we take the time to get to know what our clients really need. As an advisor, we know that there are complex issues that all clients face. Employers are constantly putting out fires. We believe that healthcare shouldn’t be another fire you are putting out.
When you work with us, we’ll go above and beyond for you. We are dedicated to making sure you actually get the customer service you need. The quality of our client service and the plans we develop for our clients is second to none.
Reach out to one of our group benefits specialists to see the difference between an agent that does the bare minimum and a specialist who goes above and beyond to provide the services your company deserves.
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