Your Carrier and Plans
A broker change does not require a carrier change. The broker of record sits between you and the carrier.
Your carrier and plans can stay put.
The broker of record sits between you and the carrier. Changing it does not alter the policy, the plan design or the carrier contract. If your current plans are right, they stay.
Whether to also market the plan or change carriers is a separate question, and you decide it with the facts from a review in hand.
What Stays the Same.
Carriers, plan designs and rates all belong to the contract between you and the carrier. A broker change does not alter them. The broker sits beside that relationship as your adviser and point of service.
If you want to keep your current plans, you can. A new broker may suggest options, but nothing changes without your decision.
It is worth saying so explicitly when you talk to a broker: ask them to leave plans as they are until you have reviewed their recommendations.
A few more questions.
Can I keep my current plans and just change brokers?
Yes. A broker change does not require any plan change.
Will my rates change because of the switch?
Not by themselves. Rates are set by the carrier at renewal.
Can the new broker propose a different carrier?
Yes, if they think it is in your interest, and you decide.
Do we need to re-quote everything?
No. Many employers keep plans as they are.
Will the new broker know our plans?
They will review the documents and the carrier’s records.
Related guides.
How to Switch Benefits Brokers in Michigan
Signs it is time, the six steps, and timing.
Your Employees’ Coverage
ID cards, networks and claims continue as they are. Employees often notice nothing.
Your Renewal Date
The effective date of your coverage does not move because the broker of record does.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program: cost, plan performance, risk and administration.
Switch to CFH. Unhappy with your broker? Your employees won’t notice. You will. →