Why Choose Us
Working with us as your health insurance broker is essentially like having a personal shopper and a legal advocate rolled into one—and the best part, it’s completely free.
Here is why it is a better move to work with us rather than doing it alone:
1. It Costs You Nothing Extra
Brokers are paid commissions directly by insurance companies. By law, insurance premiums are the same whether you buy through a broker or directly from the carrier. If you don’t use a broker, the insurance company simply keeps that commission for themselves, and you lose out on the professional guidance.
2. Access to "Off-Exchange" Plans
When you shop on the public marketplace (WA Health Plan Finder), you only see plans that are part of the government exchange. We have access to "off-exchange" plans—potentially lower premiums but aren't listed on the public portal.
3. We Cut Through the "Insurance Speak"
Insurance is designed to be confusing, so we do the heavy lifting for you by:
Checking your doctors: We verify which plans your specific physicians actually accept (networks change frequently).
Checking your meds: We run your prescriptions through "formularies" to see which plan covers your drugs at the lowest tier.
Explaining the details: We can explain the difference between a $0 deductible and a $0 premium, or why a plan with a high deductible might actually save you money.
4. Ongoing Support
Our relationship doesn't end when you sign up. If you have a problem, you call us, not a 1-800 number.
Claims Disputes: If a claim is denied, we can talk to the carrier on your behalf.
Annual Reviews: Every year, insurance rates and benefits change. We will proactively tell you if you should stay put or jump to a better plan during Open Enrollment.