It’s Time to Take Advantage of Open Enrollment 2017!

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As a 2017 Elite Agent for HealthNet, DeWitt Risk Management assures you that taking advantage of Open Enrollment is the BEST way to make sure you are “covered” in 2017. In fact, acting now can put you ahead of the game when it comes to next year’s New Year’s resolutions to get healthy and take care of yourself. With the right health insurance coverage, you will be able to depend on an excellent network of doctors and healthcare providers so no matter what comes at you, you’re ready for it. As Health Net™ likes to say, “Whoever you are, whatever your health care needs – we are your Health Net™.”

THE IMPORTANT FACTS: Open enrollment for 2017 is here! This is the time you can enroll in – or make a change to – your health coverage. Enroll by December 15, 2016, if you want new coverage to start January 1, 2017.

Individuals, families and small businesses may apply for coverage through the new health insurance marketplaces during open enrollment.

Seeing a doctor regularly is one of the best ways to make sure that you stay healthy! And with Health Net™ you’ll find you have the opportunity, the information and the reminders you need to make that happen. With regular checkups and preventive care, your doctor will be able to find and treat problems early with a higher chance for successful treatment. Keep your own health in mind so you can be the best person you can be and live your best life!

For more information about Health Net open enrollment or any other health insurance or life insurance needs, contact everybody’s favorite full service broker and health insurance specialist at DeWitt Risk Management Consultants, LLC.

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What is a Broker and Do You Need One?

ImageA broker is a licensed agent authorized to do business by the respective State Department of Insurance. Brokers (in comparison to “agents”) work for the client. They sell and represent various insurance products and solutions. Brokers are a vital work force since most insurance companies can not “sell” directly to the public.

A Broker is licensed with many insurance companies but is independent in that they are not agents of the insurance companies. They do not represent one insurance company or another. They are trained and knowledgeable regarding all the insurance options in order to guide individuals and groups toward the insurance solutions/packages that will best suit their needs. 

Many wonder if utilizing the expertise of a broker will result in a higher cost for their insurance coverage. This is why we find it important to discuss broker compensation. The most common form of broker compensation is premium commission. Although the broker works for you, the insurance companies pay the broker commission. It is important to note, premiums charged to the employer are the same with or without a Broker. Contracting with a Broker provides you with an additional “arm” of service in addition to any service the insurance companies provide. 

Broker Contracting depends upon A Broker of Record (BOR) letter from the client. It authorizes the broker to work on the behalf of the client for all insurance matters. Brokers can be appointed for one or all contracts. The Broker of Record appointment remains in place until rescinded by the client in writing. The BOR is completely revocable by the client at any time for any reason.