As we mature and grow it can get harder to know who we can trust and depend upon. When we are young it is the foundation of our security that our family, teachers, and loved ones advise us impartially and with our well being at heart.
But, when dealing with the many complexities of life, advice is harder to come by and even harder to trust. Knowing when to ask for help and using good discretion in choosing who to trust is an invaluable life skill. One good rule of thumb when choosing an advisor is to look for independence and experience. This is vitally true when you enter the complex arena of health insurance for the first time.
Obtaining health coverage at any time in one’s life is a complicated and time consuming process. But it is much more involved when you are doing it as a young adult, just leaving the safety of your parent’s coverage, and seeking coverage for yourself for the first time. Graduating from college, getting a job, and signing up for your employer’s health care plan all used to come in logical progression. But, today, many employers are eliminating health care coverage from their benefits package and many young people will go to work in one of the millions of small businesses who can’t afford to offer health insurance. Thus, shopping for and acquiring coverage is a rude welcome to the adult world for many young people. Just who can you trust to give you the best advice and recommendations? In the health insurance industry there is a valuable resource with no hidden agendas that offers sound, impartial, and independent guidance-an Independent Insurance Broker.
An Independent Insurance Broker is an agent that owes no allegiance to any specific carrier, nor do they represent any one company. An Independent Broker can be the mentor every young person needs when first purchasing insurance coverage. Rather than opening up the Yellow Pages and calling an agent that offers only one company’s coverage, they can turn to a Broker who can research all the relevant companies and make the recommendation that can give them the insurance and financial security they need. It is all a matter of trust.
An Independent Insurance Broker is, by virtue of years of experience and impartial commitment, an expert at finding the right coverage for the best value. In addressing life skills with it’s young people, many college placement advisors and counselors are including information about how to find balanced and impartial legal, insurance, and financial advice for its graduates. Insurance brokers can be the difference between years of medical and financial strain and the beginning of a responsible and successful life.
A young person needs mentors to succeed in life and they can find such a mentor in an Independent Insurance Broker. At their jobs, recent graduates will find the guidance they need in their more experienced co-workers who have learned the ropes from their more experienced co-workers. The right of passage in learning from the adults who came before them is evident in every phase of life.
Health insurance is something that many young adults take for granted because Mom and Dad provided coverage and it is surprising how little many graduating seniors know about health insurance. It isn’t something they have ever had to deal with and the experience Mom and Dad have with insurance may be equally lacking because they have always had employer sponsored health care coverage. But the world our young people are entering is a lot different than Mom and Dad’s. The demands and decisions they have to make are in many ways more complicated. Independence and a lack of agenda are the hallmarks of Insurance Brokers and they answer a critical need-unbiased recommendations.
When the stakes are so high, parents and educators owe young people not only the benefit of their experience but up-to-date solutions to today’s problems. One of these solutions is going to an expert and independent Insurance Broker the guidance to start adult life off on the right foot with the best health insurance coverage.