Why not just call the insurance carrier directly?
Answered by 13 licensed agents
When you call the insurance company, you’re often stuck on hold or talking to someone who doesn’t know your full situation. You'll never get the same person twice.
With a broker, you have a go-to person who knows you, your needs, and your plan inside and out. If you ever have a problem—like a billing issue, denied claim, or want to switch plans—we handle it for you.
Also, there is no cost to you for me to service your plan year after year.
Answered by Nikki Rowland on May 11, 2025
Broker Licensed in SC & NC
Answered by Lt Col Tim Brown on May 24, 2025
Broker Licensed in TN, AL, CO & 10 other states
A.) You'll get the exact same price for the same products directly from the carrier(s) as you will working with an independent agent/broker.
B.) You'll speak to a different person every time you call the carrier, which can often be a sub-par customer service experience.
C.) You'll get biased, carrier-specific information and feedback regarding any products/services you're interested in.
D.) There is zero reason to NOT work with/through an independent agent/broker. It's a superior scenario when you're trying to navigate the thousands of insurance products available in the market. You'll pay the exact same price as working directly with the carrier AND you'll have a personal contact in your corner, that has a vested interest in you and your satisfaction, who will often be available at times when your insurance carrier is closed for holidays or outside of business hours. Try texting your insurance carrier on the weekend for something you need a quick answer to and see how that goes. :)
Answered by Steve Thurmond on May 20, 2025
Broker Licensed in TN, AK, AL & 35 other states
Answered by Yasmery Vargas on May 15, 2025
Agent Licensed in PA
Answered by Diana Salisbury on May 11, 2025
Broker Licensed in OH, IN & MI
Answered by Andrew Zurbuch, MBA on May 12, 2025
Broker Licensed in IN, FL, KY, MO, OH & TN
Weather or not they are on a Medicare Advantage or Medicare Supplement plan.
Answered by Bruce Kern on May 11, 2025
Broker Licensed in NJ, AZ, CO & 13 other states
Answered by Brian Leichner on May 12, 2025
Agent Licensed in NE, AZ, CO & IA, KS, MO & TN
Here's a more detailed explanation:
Why calling your agent is often better:
Personalized Advice:
Agents understand your specific policy and the nuances of your coverage, offering tailored advice on how to proceed after an accident or incident.
Paperwork and Documentation:
Agents can guide you through the often complicated paperwork involved in filing a claim, ensuring you meet all requirements and submit everything correctly.
Representation and Advocacy:
Agents act as your advocate when dealing with the insurance company, helping you navigate the claims process and ensure your interests are being considered.
Knowledge of Local Regulations:
Agents are familiar with the insurance regulations and procedures in your state, which can be helpful in navigating the claims process.
Building a Relationship:
Your agent is your point of contact for all your insurance needs, and they can build a relationship with you, which can be helpful in the future.
When you might call the insurance company directly:
Emergency Situations:
In immediate situations, such as needing roadside assistance or immediate claims processing, you may need to contact the insurance company directly.
Specific Questions:
If you have very specific questions about your policy or a particular claim, you might need to call the insurance company directly for clarification.
Direct Policy Holders:
Some insurance companies allow customers to purchase policies directly and bypass an agent, in which case you would deal directly with the company.
In most cases, however, contacting your insurance agent first is the recommended approach. They can provide valuable guidance and support throughout
Answered by Fred Manas on May 12, 2025
Agent Licensed in NY, CT, DC & 7 other states
Answered by Vachik Chakhbazian on May 12, 2025
Agent Licensed in CA, AL, AR & 22 other states
Answered by Marcie Barnes on May 11, 2025
Agent Licensed in TX, AK, AL & 48 other states
Convenience and Speed: I provide instant, 24/7 access to general information on topics like Medicare plans, costs, and benefits, without hold times or scheduling.
Impartial Guidance: As a broker, I draw from reliable sources (like CMS) to give unbiased explanations, helping you understand options before you dive into a call.
Answered by Tanja Roulhac on May 12, 2025
Broker Licensed in FL, AZ, CA & 7 other states
Answered by Tony Merwin on May 19, 2025
Agent Licensed in TX, AR, AZ & 28 other states
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