There are many health insurance companies that have chosen to eliminate the broker from their sales force and sell directly to the public
. However, the role of a broker is not obsolete. Many brokers have years of experience in the insurance industry. They know how to evaluate the needs of a client and make recommendations accordingly. They advocate lower premiums and better levels of service. Often, they have long-term associations to one or two insurance companies. Through this association, they can often pass on the benefits of discounted premiums to their clients. If you choose to make use of a broker, you have an expert you can go to with your queries. If there are any new additions or changes to your health insurance policy, your broker can advise you of these. If these changes happen to have a negative impact on your policy, they can often make alternate recommendations so that you do not lose out on your policy when trying to make a claim. Perhaps one of the greatest benefits of having a broker is that when you do need to submit a claim, they take care of the admin. There is no need for you to stay on hold for hours while waiting for the insurance company call center to give you feedback on your claim. That becomes the task of your broker. Often, because of the contacts that they have, they can quickly track your claims for you. For More Info please visit: www.benefitpackages.com.