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Will I save money by enrolling directly with an insurance carrier and avoiding a middle-man or broker?

Experienced Medicare Broker Consulting with Client in Michigan

When it comes to purchasing insurance, many people wonder whether they will save money by enrolling directly with an insurance carrier and avoiding a middle-man or broker. While it may seem like cutting out the middle-man would lead to cost savings, the reality is that using a broker can actually save you money in the long run.

Each insurance company files their rates with the respective state insurance commissioners. Therefore, the rates direct through the carriers are the same as through a broker like MBG. This means that the premiums for a specific insurance product will be the same regardless of whether you buy directly from the insurance carrier or through a broker.

However, brokers like MBG offer more than just access to the same rates as insurance carriers. They also offer a wide range of services that can save you time, money, and stress when it comes to selecting the right insurance product for your needs.

One of the key benefits of working with a broker is that they can shop all the carriers at once, saving you time and money by recommending the products that have the best premiums, copays, and networks for each individual client. Rather than spending hours researching different insurance options on your own, a broker can quickly narrow down your choices and help you find the best insurance product for your needs and budget.

In addition, brokers can provide valuable guidance and advice throughout the insurance selection and enrollment process. They can help you understand the different types of insurance products available, explain complex policy language, and answer any questions you may have about your coverage. This level of support can be especially valuable for those who are new to the insurance market or who have complex insurance needs.

Another advantage of using a broker is that they are not tied to any one insurance company. If you went direct through an insurance carrier, that company can only discuss their products. In contrast, brokers can discuss all of the products as a one-stop shop, as they do not work for the insurance company – they work for you. This means that brokers are able to provide unbiased advice and can help you compare and contrast different insurance products from different carriers.

Ultimately, while it may seem like buying directly from an insurance carrier would be the cheapest option, the reality is that using a broker can actually save you money in the long run. Brokers offer a range of services that can help you find the best insurance product for your needs and budget, as well as provide valuable guidance and support throughout the enrollment process. So, if you’re looking to save money on insurance, it’s worth considering working with a broker like MBG to help you find the right coverage for your needs.

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What Our Customers Have To Say

Shecter Calendar
Shecter Calendar
2023-05-12
Very knowledgeable, friendly, easy to work with.
Cindy
Cindy
2023-05-11
Jim was a great resource who was recommend by my financial advisor. His explanations of the various options were straight forward and very informative. He asked me pertinent questions about my health in order to tailor a plan to best fit my needs.
beth swartz
beth swartz
2023-05-10
very knowledgable
Loventry Robinson
Loventry Robinson
2023-05-10
Jim is patient and very knowledgeable in his work. He helped me to get the Medicare advantage plan I wanted, and I am very satisfied.
Teresa Orr
Teresa Orr
2023-05-10
Jim was very helpful in explaining coverages and explaining the steps I needed to take to get Medicare. I highly recommend him. He is very knowledgeable on all aspects of care and made it easy for me to enroll in coverage.
Laurie Eisenbraun
Laurie Eisenbraun
2023-05-08
Jim was able to provide tailored Medical Gap policy solutions that fit my and my husbands individual needs. Jim is knowledgeable about all the potential policies that could work for us.
Denise Bensch
Denise Bensch
2023-05-04
I want to thank James Neil for making the Medicare Insurance sign up process so easy. He took what I thought would be a frustrating and confusing process, and made it a pleasure. He clearly explained our options and gave us information in an easy to understand manner. I will definitely recommend his services to friends and family.
Chris Bensch
Chris Bensch
2023-05-04
Mr. Neal is extremely knowledgeable & helpful. He did an excellent job of explaining how everything works and presented our options clearly. I'd strongly recommend anyone nearing retirement, considering a benefit change or simply looking for an overview of their options contact him.
Patrick Lennane
Patrick Lennane
2023-05-01
Awesome experience, explained all options clearly and made it easy to make a healthcare decision. Highly recommend!
KATHY TROHA-AUSTIN
KATHY TROHA-AUSTIN
2023-04-24
These two (Jim and Jennifer) were awesome. Extremely knowledgable about the entire process. Would highly recommend them.