Consultation & Needs Assessment

• Assess client health insurance needs based on personal, family, or employee requirements.

• Explain different types of health insurance plans (HMO, PPO, EPO, etc.).

• Help determine budget and coverage preferences.

Plan Comparison &

Recommendations

• Provide access to multiple insurance providers and plans.

• Compare benefits, costs (premiums, deductibles, co-pays), and coverage details.

• Recommend plans that align with the client’s needs and budget.

Enrollment Assistance

• Guide clients through the application and enrollment process.

• Help with paperwork and digital submissions.

• Ensure compliance with enrollment deadlines (especially during Open Enrollment periods).

Ongoing Support & Policy Management

• Assist with policy changes (e.g., adding/removing dependents, changing plans).

• Help resolve issues with claims or billing.

• Provide reminders about renewal deadlines or upcoming changes.

Education & Compliance Guidance

• Educate clients about how their health insurance works.

• Stay updated on healthcare regulations (e.g., ACA, COBRA) and inform clients accordingly.

• Help businesses comply with legal requirements for offering employee benefits.

Group Insurance for Businesses

• Design and manage employee health benefits packages.

• Compare group insurance plans and negotiate rates with carriers.

• Provide support during employee onboarding and offboarding.

Cost Optimization

• Help clients find ways to reduce premiums and out-of-pocket costs.

• Explore options like Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs).