search

Agents And Brokers Can Help You Choose The Right Plan For 2019 With Federal Marketplace Training

posted by AHIP

on August 1, 2018

August is more than cookouts and beach days. For health insurance agents and brokers, it’s the time to prepare for Open Enrollment. It starts Nov. 1 and ends Dec. 15.

To help people in your community make the right health coverage decisions, insurance professionals participate in government-required training programs. Through these online courses, agents and brokers refresh their knowledge of the Federally-facilitated Marketplace (FFM), learn about any recent changes in federal and state laws, and more.

The courses are approved by the Centers for Medicare and Medicaid Services (CMS). Some agents and brokers get their required FFM training through a professional organization such as AHIP, which administers courses with information that goes beyond what the government requires, so they’re even better prepared to advise their clients.

To purchase health insurance online through the Marketplace, you don’t need to work with an agent or broker. However, here’s why some consumers choose to consult a local expert during Open Enrollment:

  • Should you change plans? Licensed agents and brokers are trained to help you make the right choices your health needs and budget.
  • If your current plan is not offered through the Marketplace for plan year 2019, you’ll need to go with a different provider. Your agent or broker can help you weigh your options.
  • Enrolled in Medicare? An agent or broker can help you determine if your coverage in the Marketplace might change and what to do.
  • Networks and drug coverage can change from year to year. An agent or broker can help you check if your doctor is in-network and what prescriptions are covered.
  • Some states have their own Marketplace. Plans, coverage, eligibility, and even enrollment deadlines vary. A qualified agent or broker who works in your community will know what you need to know.
  • By helping you make the best choices, agents and brokers can save you money.

And remember, no matter where you go for information and advice, make sure you know your options, know what to expect, and enroll early in a 2019 plan.