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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.


Do Agents and Assisters Do the Same Thing?

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Question: How do consumers choose between agents and assisters? It looks like they do the same thing.

Answer: Some things are the same, they will both educate and inform people about options available to them. But you choose an agent because you want to ask the agent bottom-line questions like, ‘What do you think I should do?’ If an unlicensed assister is asked that question they’re going to have to say, “I can’t tell you what to do.” Also, agents do much more than sell insurance. Agents explain critical differences in plan designs and provider networks. This usually involve substantial fact-finding about the client’s needs. Back to your question, these differences will not be obvious to consumers. It’s out job to tell them.

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