A group medical insurance broker assists the employer in choosing the health insurance company and the health plan that fits the healthcare needs of the employees. In choosing your group medical insurance broker, you need to check his or her knowledge of employee benefits that are currently available and their corresponding insurance companies, ability to give referrals, and customer service support. The group medical insurance broker must be knowledgeable on the healthcare benefits that are available in the market. He must be able to eplain the comple details of the group medical plan that is best for your company and assist you in putting it in place. The broker must be able to give referrals of his current clients at least for the past five years. You can ask about your broker's services on claims processing, billing problems, working relationship with employees, and level of satisfaction as regards customer service, among other concerns. By talking to his previous clients, you can get to know more about the capabilities of your group medical insurance broker in offering long-term service. Good brokers volunteer their list of current and long-term clients. Customer service is an important factor to consider in choosing your group medical insurance broker. You usually do not pay the broker directly for his services. They are instead paid through commissions by the health insurance companies. It is not worth engaging a broker that disappears after you buy the group medical plan he offered. Good brokers must show his capability for quality customer service. Familiarity with the insurance companies being marketed by the broker is also important. Today, the choices of health plans have greatly reduced in most States as compared to 10 years ago. Good brokers will offer you the same choices of group medical health plans from leading health insurance companies. Avoid brokers who sell group medical plans that are unfamiliar and have low initial monthly premiums. These types of plans do not perform well in the long run and usually provide high commissions to the broker. Answer by admin — May 25, 2009 @ 12:23 pm