An agent/broker will work for you to determine the benefits and premiums that will meet your and your businesses individual needs. They will not only look out for your bottom line, but they will also work to make sure that you get the products and services that are right for you. An agent/broker will review the options that are available to you, summarize the differences and make recommendations based on what you need. Independent agents/brokers work for you—not any one insurance company. This ensures that your ongoing needs are their priority.

Professional health insurance agents/brokers provide the expertise you need to make the right choices. They are experts who:

• Know the market—by distinguishing the best products from the merely adequate
• Know the law—by reviewing state and federal legislation and regulations that impact the sale of health insurance products.
• Know the industry—by completing stringent licensing requirements and continuing education courses

• Review your unique needs
• Learn about different insurance companies and types of coverage that can satisfy your specific concerns
• Ease the burden on your time by doing the “legwork” for you
• Get the most from your coverage after you’ve bought it

Consumer Guides
Consumer guides on individual and group health insurance, long-term care, Disbility Insurance, Medicare, Health Savings Accounts, High-Risk Pools, voluntary products and more.

Healthy Access Database
Healthy Access Database an online tool to help make American health care consumers aware of all of the coverage options available to them.

Glossary of Terms

Coverage for All through Education

New York Health Care Options Matrix