What does a Health Insurance Broker Do?, Health Insurance California, Health Insurance San Francisco, Health Insurance San Jose, GROUP INSURANCE SAN FRANCISCO CALIFORNIA, GROUP HEALTH INSURANCE SAN FRANCISCO CALIFORNIA, HEALTH INSURANCE SAN JOSE, MEDICAL INSURANCE SAN FRANCISCO, INSURANCE BROKER SAN FRANCISCO, BUSINESS INSURANCE SAN FRANCISCO, DENTAL INSURANCE SAN FRANCISCO, SMALL BUSINESS HEALTH INSURANCE , 401K, group insurance for Dental, Vision, Life, Short term and Long term Disability, 401k, COBRA and Cal COBRA, HSA (Health Savings Accounts), FSA (Flexible Spending Accounts) (Section 125), Employee Benefits Management Services
 
GROUP INSURANCE CALIFORNIA, SAN FRANCISCO, SAN JOSE
MEDICAL INSURANCE, DENTAL INSURANCE, VISION INSURANCE, 401(k), DISABILITY INSURANCE
HEALTH INSURANCE, CALIFORNIA, GROUP HEALTH INSURANCE CALIFORNIA, CONTRA COSTA, ALAMEDA, SANTA CLARA, SAN MATEO, MARIN, DUBLIN, PLEASANTON, WALNUT CREEK, CONCORD, MOUNTAIN VIEW, SANTA CLARA, MEDICAL, DENTAL, VISION, 401K, DISABILITY, HEALTH INSURANCE FOR SMALL BUSINESS, BUSINESS INSURANCE, LONG TERM CARE INSURANCE, MEDICARE SUPPLEMENTAL INSURANCE, HSA, HRA, COBRA, CALCOBRA, FSA, Aetna, American Specialty Health Plans, Ameritas, Anthem Blue Cross, Assurant, Beneficial Administration Company, Benelect, Best Life, Blue Shield of California, California Choice, Cigna, Colonial Life, CoPower, Delta Dental, Direct Dental Administrators, Eye Med, Guardian, Hartford, Healthnet, HSA California, Humana, ING, John Hancock, Kaiser, KP Choice Solution, Landmark, Lincoln Financial, MES Vision, MetLife, MHN, Nippon Life, Pacificare, Premier Access Dental, Principal, Reliance Standard, Safeguard, Sharp Health Plan, Standard, Sun Life, The Holman Group, United Concordia, United Healthcare, Unum Provident, Vision Plan of America, Vision Service Plan (VSP), Western Health Advantage, Wolfpack

"Reap the BENEFITS of Our Expertise." Call today!

(925) 244-1330
Call Today for FASTER SERVICE!
Email: Begin@GgroupInsuranceSanFrancisco
CaliforniaSanJoseSanMateoSantaClara.com
Products: Group Health InsuranceMedical InsuranceDental InsuranceVision InsuranceDisability Insurance401(k)
 
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GROUP
INSURANCE
CALIFORNIA CA
.com



Sound Benefit Solutions
KIETH HALE
2410 Camino Ramon, Ste. 124
San Ramon, CA, 94583

CA License 0829290

Phone: (925) 244-1330



Email: Begin@GgroupInsuranceSanFrancisco
CaliforniaSanJoseSanMateoSantaClara.com
   
 


 
 





What We Do

Get Quick Group Insurance Quotes
For Your Business,

Lower Your Group Insurance Costs,

As an Insurance Broker / Employee Benefits Consultant, I specialize in offering benefits to groups with 2-50 employees in the areas of medical, dental, vision, life, disability, and 401k. Employee Benefits Management Services with Medical and Healthcare Benefits for Employees, including medical insurance, 401(k), FSA, legal and regulatory administration, privately owned, independent insurance broker, delivers seamless service to companies of all sizes as well as to individual clients, full-service employee benefit management company

 

How do you become famous?
Helping people! Changing their lives and making a difference in their lives.
Loving them... Eric Brenn


 

What Does a Health Insurance Broker Do?

Author: Kurt Stammberger

Those seeking to understand who is involved in the nebulous system that is contemporary American healthcare will discover a wide variety of individuals, each with unique roles. One such role is that of the health insurance broker, also known as an "independent agent" or "health insurance agent." This article seeks to shed some light on who the health insurance broker is, what they do and, ultimately, what role they play in the selection of health insurance policies.

A health insurance broker's job is to provide clients with the most appropriate health insurance policy. Authorized by specific insurance companies to act on their behalf, the broker essentially guides clients through the process of selecting a policy for themselves or for employees. A broker makes his living (and demographics show the broker is usually a "he") off commissions – sometimes as much as 15%. The rates quoted by broker or by direct contact with insurance provider will be the same because, if the insurance company is contacted directly, the person who makes the sale (known as a "captive agent") will collect the same commission a broker would collect. Some states even mandate the use of insurance brokers.

In most instances, an individual seeking to be a licensed health insurance broker must take a series of courses then take and pass one or more examinations. Once licensed, a state or employer may require health insurance brokers to take additional classes. Because policies and laws change constantly, a broker involved in continuing education will be more current on applicable law and guidelines and, ideally, better prepared to assist clients. Each state makes its own laws to govern the practices of insurance brokers. While no two states have the same law, increasingly states are recognizing licenses granted in other states. This allows brokers to move without retaking examinations or to operate in more than one state simultaneously.

An individual going into their first day of work as a licensed health insurance broker tends to be older than the average person entering into a given area of employment. This is because the typical health insurance broker has transferred into the industry, usually from a sales position in another healthcare field – hospital equipment sales, for example. An individual with a sales background tends to be comfortable with the demands of the job – like providing excellent customer services, working to maintain a client base, and living on a commission-based salary.

While many come into the health care broker industry having worked professionally in other fields, some do enter the field directly after getting a university diploma. Those coming straight from college are likely to have majored in business or sales. In some cases, health insurance brokerage houses will directly mentor undergraduates – and even offer tuition assistance or loan pay-back plans – provided the undergraduate agrees to work for the brokerage house for a predetermined number of years.

Active health insurance brokers have the option of joining the National Association of Health Underwriters (NAHU) and the umbrella organization of the American Insurance Association (AIA). Both organizations have ethical guidelines that must be followed to maintain membership in good standing. A health insurance broker must divide a typical day between two general tasks: meeting with current and potential clients and fulfilling administrative duties. The broker acts as an agent on behalf of the insurance companies in his or her portfolio, so administrative duties include processing claims, cutting checks and delivering payment. The meetings will be with current clients, to ensure they are being kept abreast of all changes or trends, or potential clients, to present options with the hopes of generating additional business.

Some hire administrative assistance to help but the salary is usually taken from an insurance broker's earnings. It is usually only the seasoned veterans (who may earn over $100,000 annually) who hire help, rather than those relatively new to the industry (who often earn about $40,000 annually).

The health insurance broker functions as the liaison between insurance company and policyholder, but the nature of the industry is changing. Access to the Internet is available to a tremendous number of Americans and, with online access, consumers are more aware than ever before of the healthcare options available to them. This means that any potential client, if they have done their research, will be aware of a variety of policy offerings. Because not every agent is licensed by every company, a broker may not be able to offer the policy that interests a given client. This places the burden on the broker to be aware of all policies available and to be able to present comparable offerings to those that they may not be able to sell.

Just as the Internet has empowered consumers, so has it empowered health insurance brokers. When once the task of acting as conduit between insurance company and policyholder required long administrative hours, computers now allow broker and insurance company to instantly transfer information. Still, time saved by computer must be made up by competing for a limited and educated client base. The new technology has in part driven a trend towards specialization: brokers are marketing themselves as specialists in a given industry. One might be the specialist in nonprofit health insurance while another may specialize in the travel industry. This allows brokers to be aware not just of policy options but also of the typical wants, needs and budgets of a given industry.

What directions technology will propel the industry will be revealed only with time. One thing that remains clear is that Americans do not want to worry about their health coverage and will look to experts for help securing the best service at the right price.

 
         
 

 
GROUP INSURANCE CALIFORNIA, SAN FRANCISCO, SAN JOSE
MEDICAL INSURANCE, DENTAL INSURANCE, VISION INSURANCE, 401(k), DISABILITY INSURANCE
HEALTH INSURANCE, CALIFORNIA, GROUP HEALTH INSURANCE CALIFORNIA, CONTRA COSTA, ALAMEDA, SANTA CLARA, SAN MATEO, MARIN, DUBLIN, PLEASANTON, WALNUT CREEK, CONCORD, MOUNTAIN VIEW, SANTA CLARA, MEDICAL, DENTAL, VISION, 401K, DISABILITY, HEALTH INSURANCE FOR SMALL BUSINESS, BUSINESS INSURANCE, LONG TERM CARE INSURANCE, MEDICARE SUPPLEMENTAL INSURANCE, HSA, HRA, COBRA, CALCOBRA, FSA, Aetna, American Specialty Health Plans, Ameritas, Anthem Blue Cross, Assurant, Beneficial Administration Company, Benelect, Best Life, Blue Shield of California, California Choice, Cigna, Colonial Life, CoPower, Delta Dental, Direct Dental Administrators, Eye Med, Guardian, Hartford, Healthnet, HSA California, Humana, ING, John Hancock, Kaiser, KP Choice Solution, Landmark, Lincoln Financial, MES Vision, MetLife, MHN, Nippon Life, Pacificare, Premier Access Dental, Principal, Reliance Standard, Safeguard, Sharp Health Plan, Standard, Sun Life, The Holman Group, United Concordia, United Healthcare, Unum Provident, Vision Plan of America, Vision Service Plan (VSP), Western Health Advantage, Wolfpack

"Reap the BENEFITS of Our Expertise." Call today!

(925) 244-1330
Call Today for FASTER SERVICE!
Email: Begin@GgroupInsuranceSanFrancisco
CaliforniaSanJoseSanMateoSantaClara.com
Products: Group Health InsuranceMedical InsuranceDental InsuranceVision InsuranceDisability Insurance401(k)

How do you become famous? Helping people! Changing their lives and making a difference in their lives.
Loving them... Eric Brenn


GROUPINSURANCECALIFORNIACA.COM

CALIFORNIAHEALTHINSURANCESANFRANCISCODISABILITYMEDICALDENTAL.COM

GROUPINSURANCESANFRANCISCOCALIFORNIASANJOSESANMATEOSANTACLARA.COM

Sound Benefit Solutions, 2410 Camino Ramon, Ste. 124, San Ramon, CA, 94583

What We Do

Get Quick Group Insurance Quotes
For Your Business,

Lower Your Group Insurance Costs,

As an Insurance Broker/Employee Benefits Consultant, I specialize in offering benefits to groups with 2-50 employees in the areas of medical, dental, vision, life, disability, and 401k. Employee Benefits Management Services with Medical and Healthcare Benefits for Employees, including medical insurance, 401(k), FSA, legal and regulatory administration, privately owned, independent insurance broker, delivers seamless service to companies of all sizes as well as to individual clients, full-service employee benefit management company

 

Geography / Zipcodes we do business in:

San Francisco, 94101, 94102, 94103,94104, 94105, 94107, 94108, 94109, 94110, 94111, 94112, 94114, 94115, 94116,94117, 94118 , 94119, 94120, 94121, 94122, 94123, 94124, 94125, 94126, 94127, 94129, 94130, 94131, 94132, 94133, 94134, 94137, 94139, 94140, 94141, 94142, 94143, 94144, 94145, 94146, 94147, 94151, 94153, 94154, 94156, 94158, 94159, 94160, 94161, 94162, 94163, 94164, 94171, 94172 , 94177, 94188, 94199, 94506
Alamo, 94507
Antioch,94509, 94531
Brentwood, 90049, 94513
Byron, 94514
Clayton, 94517
Concord, 94518, 94519, 94520, 94521, 94522, 94523, 94524, 94527, 94529
Pleasant Hill, 94523
Crockett, 94525
Danville, 94506, 94526
El Cerrito, 94530
Antioch, 94509, 94531
Hercules, 94547
Lafayette, 94549, 94596
Martinez,94553
Moraga, 94556, 94570, 94575
Oakley,94561
Orinda, 94563
Pinole, 94564
Pittsburg, 94565
Rodeo, 94547, 94572
San Ramon, 94583
Walnut Creek, 94595, 94596, 94597, 94598
Richmond, 94530, 94801, 94802, 94803, 94804, 94805, 94806, 94807, 94808, 94820, 94850
El Sobrante, 94803, 94820
San Pablo, 94806
Alameda 94501, 94502
Santa Clara 95050, 95051, 95052, 95053, 95054, 95055,95056, 94002 650
Belmont , 94002, 94003
Brisbane, 94005
Burlingame, 94010, 94011, 94012
Daly City, 94013, 94014, 94015, 94016, 94017
El Grananda, 94018
Half Moon Bay, 94019
La Honda, 94020
Loma Mar, 94021
Menlo Park, 94025, 94026, 94027, 94028, 94029
Atherton, 94027
Portola Valley, 94028
Millbrae, 94030, 94031
Montara,93940, 93942, 93943, 93944
Moss Beach, 94038
Mountain View, 94035, 94039, 94040, 94041, 94042, 94043
Pacifica, 94044, 94045
Pescadero, 94060
Redwood City, 94059, 94061, 94062, 94063, 94064, 94065
San Bruno, 94066, 94067, 94096, 94098
San Carlos, 94070, 94071
South San Francisco, 94080, 94083, 94099
Palo Alto, 94301, 94302, 94303, 94304, 94305, 94306, 94307, 94308, 94309, 94310
San Mateo, 94401, 94402, 94403, 94404, 94405, 94406, 94407, 94408, 94409, 94497
San Rafael 94901, 94903, 94904, 94912, 94913, 94914, 94915
Greenbrae 94904, 94914
Kentfield 94904, 94914
Belvedere, 94920
Tiburon 94920
Bolinas 94924
Corte Madera 94925, 94976
Dillon Beach 94929
Fairfax 94930, 94978
Forest Knolls 94933
Inverness 94937
Lagunitas 94938
Larkspur 94939, 94977
Marshall 94940
Mill Valley 94941, 94942
Novato 94945, 94947, 94948, 94949, 94998
Nicasio 94946
Oleama 94950
Point Reyes Station 94956
Ross 94957
San Anselmo 94960, 94979
San Geronimo 94963
San Jose, 95101, 95102, 95103, 95106, 95108, 95109, 95110, 95111, 95112, 95113, 95114, 95115, 95116, 95117, 95118, 95119, 95120, 95121, 95122, 95123, 95124, 95125, 95126, 95127, 95128, 95129, 95130, 95131, 95132, 95133, 95134, 95135, 95136, 95137, 95138, 95139, 95140, 95141, 95142, 95148, 95150, 95151, 95152, 95153, 95154, 95155, 95156, 95157, 95158, 95159, 95160, 95161, 95164, 95170, 95171, 95172, 95173, 95190, 95191, 95192, 95193, 95194, 95196
San Quentin 94964, 94974
Sauslito 94965, 94966
Stinson Beach 94970
Tomales 94971
Wood acre 94973
Corte Madera 94925, 94976
Monterey 93940, 93942, 93943, 93944
Santa Cruz 95060, 95061, 95062, 95063, 95064, 95065, 95066, 95067
Cupertiono 95014, 95015
Los Gatos 95030, 95031, 95032, 95033
Morgan Hill 95037, 95038
Campbell 95008, 95009, 95011
Sunnyvale 94085, 94086, 94087, 94088, 94089, 94090
Saratoga 95070, 95071
Los Altos 94022, 94023, 94024
Stanford 94305, 94309
Milpitas 95035, 95036
Portolla Valley 94028
Wood Side 94062
Fremont 94536, 94537, 94538, 94539, 94555
Newark 94560
Union City 94587
Hayward 94540, 94541, 94542, 94543, 94544, 94545, 94546, 94552, 94557
San Leandro 94577, 94578, 94579
Oakland 94601, 94602, 94603, 94604, 94605, 94606, 94607, 94608, 94609, 94610, 94611, 94612, 94613, 94614, 94615, 94617, 94618, 94619, 94620, 94621, 94622, 94623, 94624, 94625, 94626, 94627, 94643, 94649, 94659, 94660, 94661, 94662, 94666
Berkely 94701, 94702, 94703, 94704, 94705, 94706, 94707, 94708, 94709, 94710, 94712, 94720
Emeryville 94608, 94662
Dublin 94568
Livermore 94550, 94551
Vallejo 94503, 94589, 94590, 94591, 94592
Benicia 94510
Napa 94558, 94559, 94581, 94585
Santa Rosa 95401, 95402, 95403, 95404, 95405, 95406, 95407, 95408, 95409
Sanoma 95476
Fairfield 94533, 94534, 94535, 94585
 Sacramento 94203, 94204, 94205, 94206, 94207, 94208, 94209, 94211, 94229, 94230, 94232, 94234, 94235, 94236, 94237, 94239, 94240, 94243, 94244, 94245, 94246, 94247, 94248, 94249, 94250, 94252, 94253, 94254, 94256, 94257, 94258, 94259, 94261, 94262, 94263, 94267, 94268, 94269, 94271, 94273, 94274, 94277, 94278, 94279, 94280, 94282, 94283, 94284, 94285, 94286, 94287, 94288, 94289, 94290, 94291, 94293, 94294, 94295, 94296, 94297, 94298, 94299, 95812, 95813, 95814, 95815, 95816, 95817, 95818, 95819, 95820, 95821, 95822, 95823, 95824, 95825, 95826, 95827, 95828, 95829, 95830, 95831, 95832, 95833, 95834, 95835, 95836, 95837, 95838, 95840, 95841, 95842, 95843, 95851, 95852, 95853, 95857, 95860, 95864, 95865, 95866, 95867, 95873, 95887, 95894, 95899
Vacaville 95687, 95688, 95696
Dixon 95620
Stockton 95201, 95202, 95203, 95204, 95205, 95206, 95207, 95208, 95209, 95210, 95211, 95212, 95213, 95215, 95219, 95267, 95269, 95290, 95296, 95297, 95298
Tracy 95304, 95376, 95377, 95378, 95385, 95391
Manteca 95336, 95337
Modesto 95350, 95351, 95352, 95353, 95354, 95355, 95356, 95357, 95358, 95397
Hollister 95023, 95024
Watsonville 95076, 95077
Gilroy 95020, 95021
Salinas 93901, 93902, 93905, 93906, 93907, 93908, 93912, 93915, 93962
Marina 93933
Carmel 93921, 93922, 93923
Pacific Grove 93950
Fresno 93650, 93701, 93702, 93703, 93704, 93705, 93706, 93707, 93708, 93709, 93710, 93711, 93712, 93714, 93715, 93716, 93717, 93718, 93720, 93721, 93722, 93724, 93725, 93726, 93727, 93728, 93729, 93740, 93741, 93744, 93745, 93747, 93750, 93755, 93760, 93761, 93762, 93764, 93765, 93771, 93772, 93773, 93774, 93775, 93776, 93777, 93778, 93779, 93780, 93784, 93786, 93790, 93791, 93792, 93793, 93794, 93844, 93888

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