Where you buy your insurance matters almost as much as what you buy. Most people do not realize they have a choice or that the choice costs them nothing extra.
Buying Direct from an Insurer
Going directly to an insurance carrier limits you to that company's exclusive plans only. The advantage is a direct line to the administrator. The disadvantage is a deliberately narrow view of the market: you see one carrier's offerings and have no independent advocate for different coverage and products.
Working with Independent advisor
CareGuard connects you with multiple carriers who work for you and not the insurance company. They evaluate your doctors, medications, and budget and then present options from across the full market, side by side. Brokers are compensated by the insurer, not by charging you extra. The premium you pay is the same or lower than going direct, and you gain a professional advocate.
Smarter insurance decisions start with CareGuard
Ready to see the full market in one place?
Key Takeaways
- Buying direct limits you to exclusive products and perspectives.
- A broker compares the full market on your behalf at no added cost to you.
- A broker also serves as your claims advocate, not just a one-time enrollment helper.
