Nobody in this industry wants to publish this page. Here it is anyway, with my license numbers attached to it.
You are never billed by me. Not for the review, not for the enrollment, not for the help two years from now when a claim gets coded wrong.
The insurance carrier pays me a commission that is already built into the plan you buy. You never write me a check, and the plan does not cost you a dollar more because I am on it.
Almost nobody in this business will tell you how they get paid. That silence is exactly why people assume the worst about insurance agents. So here it is in plain English, on a public page, with my license numbers at the bottom of it.
No. Rates are filed with each state and the producer commission is baked into that filed rate. Calling the carrier directly does not strip the commission out and hand you a discount. The same plan is the same price. What changes is whether you have somebody whose name and license number you know sitting on your side of the table when something goes wrong.
The comparison, the underwriting questions, the application, the follow up when your ID cards do not show up, the phone call when a claim gets coded wrong, and the review every single year at renewal. There is no consultation fee, no enrollment fee, no broker fee, and no fee of any kind to you. If anyone in this industry asks you for one, that is your signal to walk.
Yes, compensation varies a little between carriers and between product types. Anyone who tells you it is identical across the board is lying to you. Here is how I handle that: I quote what fits the household, I tell you what I am recommending and why, and I show you the trade offs of the cheaper option next to it. You see the same information I see. And if the right answer for you is a plan I cannot place, or staying exactly where you are, I will tell you that and I will not send you an invoice for the honesty.
I will not sell, rent, or trade your contact information. You will not be dropped onto a lead list and dialed by six strangers in an hour. One licensed person calls you, once, and if you say no thanks that is genuinely the end of it.
No. Not for the consultation, not for the comparison, not for the enrollment, and not for the help afterward. The carrier pays the producer commission and that commission is already inside the filed rate of the plan.
No. The commission is built into the filed rate whether a licensed producer is involved or not. Going direct does not remove it from the price. It just removes the person who would have caught the problem for you.
Compensation does vary somewhat by carrier and by product type. I will not pretend otherwise. What I do about it is show you the alternatives next to my recommendation, including the cheaper ones, and explain the actual trade off so you are choosing rather than being steered.
Then I say so. That happens most often when someone qualifies for a large subsidy on a marketplace plan. If a subsidized plan beats what I can place for your household, I will tell you that on the first call.
No. There is no fee for the review, no fee for the comparison, and no fee for deciding to stay exactly where you are.
No. You get my direct line. Billing questions, ID cards, provider network questions, claim problems, and the annual renewal review all come back to me. That continuing service is the part the commission is actually paying for.
One call. Licensed producer, not a call center. If your current plan is still the better deal, I will tell you that.
Under-65 coverage only. We do not sell Medicare.