Frequently Asked Questions

An AOR is the designated insurance agent who acts as your representative and liaison with insurance carriers. They handle various tasks like policy management, claims assistance, and staying updated on industry changes.

Consider changing your AOR when service gaps affect enrollment, billing, claims assistance or renewal planning. Compare response expectations, responsibilities and carrier access before authorizing a switch. Confirm the handoff date and outstanding issues; changing representation does not itself change your insurance policy.

Primary Care Insurance Solutions (PCIS) offers enrollment and claims assistance, renewal comparisons and benefits-administration support. Before designating an AOR, agree on service responsibilities, response expectations, carrier access and any separately priced administration. Ask for a service review against your current needs.

Primary Care Insurance Solutions (PCIS) offers medical, dental, vision, short-term and long-term disability, life and other supplemental benefits. Availability depends on the carrier, eligible group and underwriting rules. Review funding, contributions and enrollment requirements for each product rather than assuming one eligibility rule covers everything.

Primary Care Insurance Solutions (PCIS) can help coordinate benefits enrollment, employee questions, renewal information and administrative vendors. Define who handles notices, eligibility changes, COBRA administration and deadlines in writing. Broker support does not transfer all employer obligations or replace legal or tax advice.

No, there are no setup fees or enrollment costs associated with making PCI your AOR.

Changing the Agent of Record normally requires an employer-authorized designation and carrier acceptance under its rules. Confirm the effective date, any waiting or rescission period, and who handles open claims and renewals during the handoff. Signing a broker form does not itself change your policy. Contact Primary Care Insurance Solutions (PCIS) to coordinate the transition.