15 Questions to Ask Your Broker About Group Health Insurance Coverage?

Collect a few key pieces of information before a meeting about group health coverage. This information will determine the plans that work for your employees. For a list of these tasks, check out our blog post “How to Prepare for A Meeting With A Group Health Insurance Broker.” Once you’ve complied this information and supplied it to your broker, you are ready for your consultation.

When discussing your options and reviewing quotes pay attention to the details of the plans. There are 15 questions that we believe you should ask your broker about your group health coverage. The answers should provide you with what you need to make an informed decision.

1. Do you quote all carriers?
2. How many hours are required for an employee to be covered?
3. What percentage will we pay as business owners?
4. What percentage will we pay for dependents?
5. How many employees do we need to participate in the plan? Do they all need to?
6. Do you charge a fee for your services?
7. What is the deductible?
8. What is the max out-of-pocket payment?
9. What is the co-pay?
10. Will my doctor be included in the network?
11. Is out-of-state travel covered in the plan?
12. How can you help me through the process of getting group health coverage?
13. What is covered by this plan?
14. Can I add additional coverage such as dental, vision, disability, or life insurance?
15. How do insurance renewals work?

Are you a Washington State business in need of group health coverage?

The LifePlan Financial Inc. team will compare plans across carriers, giving you options that are right for your business. We are here to answer your questions, provide relevant options, and

educate you on group health insurance for your business. If you would like to request a quote, contact us here.