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There are many good reasons to rely on an experienced health insurance agent when you go to sign up for a new health policy, but one of the most exciting to most people is undoubtedly the way an agent can help them save money.
Everyone loves to save money! Here are 5 key ways that a health insurance agent can help you do just that:
1. Save On Premiums
If your main goal is to simply be insured for the lowest possible amount per month, a health insurance agent can certainly help you accomplish that. Getting lower premiums may come with other adjustments such as less coverage or higher deductibles, and an experienced agent can help you strike the right balance when you provide them with the essential information.
2. Save On Out-of-pocket Costs
In some situations, people will be more concerned about reducing out-of-pocket costs like deductibles, copayments, and coinsurance than just reducing premiums. Also, expanding coverage to new areas (like prescription drugs, for example) and deepening existing coverage areas may be a top priority.
An agent can calculate your lowest out-of-pocket expenses given your estimated annual covered healthcare costs to clarify which plan will work best for you.
3. Save Time Applying
Time is money, they say, and a good health insurance broker can get you insured faster, freeing up your valuable time for things like work that produce more income - or if you wish, recreation! The search will be shorter and have better results, and the agent can walk you through the application process. And remember, there is no charge for using the services of a health insurance agent!
4. An Agent Is A Source Of Valuable Savings Tips
Don't overlook the treasure trove of health-related wisdom that resides in your health agent. He or she will not only know how to help you choose your ideal health plan but also have valuable tips on how to reduce annual healthcare needs, stay healthier, and qualify for discounts for healthcare services. Don't be afraid to "pick your health insurance agent's brain!"
5. A Health Insurance Agent Can Help You With Claims
The great thing about using an agent is you can go back to them later for help with filing a claim, disputing a claim, or clarifying any issue you are confused about relative to your policy. This may make the difference as to getting a claim approved or otherwise save you money.
To talk to an experienced, helpful health insurance agent today about signing up for a new health plan or finding ways to save money on health insurance and healthcare costs, contact Summerlin Benefits Consulting today!