It's our experience and expertise working for you.
A good health insurance agent can make a huge difference in helping you select the best possible fit when it comes to health insurance. Their well honed expertise can get you the coverage level you need for less and save your out-of-pocket spend in the year ahead.
If you've shopped your state's health insurance exchange, you probably know that government hired "navigators" are readily available to interact with you as you hem and haw over which plan best fits your needs.
How do agents differ from navigators? And what makes a health insurance agent superior to an ACA navigator?
Why Shop For Health Insurance Via A Licensed Agent?
Now, both health insurance agents and ACA navigators can be helpful as you shop for your new health insurance policy. But the fact is, in general, agents will possess a higher level of training and experience (that comes with getting a hard-won license) than navigators.
Agents are not just working their “job”, like many navigators, but are pursuing their lifelong passion. They can help you delve deeper into the "fine print" of insurance policies and more skillfully "translate" health insurance terminology into "plain language."
Also, you keep the same agent after enrolling in your new health plan. That same professional agent will be there as an advocate for you and to help you understand how to file claims or deal with other issues later on. And you can go to the same agent year after year. You can have a professional relationship with an agent, one who is aware of any changes in your health or financial needs over time, not just at that one moment of enrollment like you would have with a navigator.
It is always a different navigator on the exchange, selected at random, and you can't rely on them for significant assistance once you've already signed up. Very rarely, if ever, will you talk to the same navigator twice. If you have issues with claims or care in the future, who will you have to help you? Another random navigator or your Professional health insurance agent?
How Do Health Insurance Agents And Navigators Differ?
But how else do agents differ from navigators? Is it a mere luxury to have a skilled agent assist you, or are there additional, substantial differences?
The answer is, yes, there are yet more advantages to having an agent over a navigator than what we've thus far discussed. These advantages include:
To learn more about how a health insurance agent or broker can help you choose the best possible health plan this year, feel free to contact us at Summerlin Benefits Consulting today!