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There are many common myths about health insurance agents that make people wrongly conclude that they shouldn't use one. This is why so many people miss out on the great help that a health insurance agent or broker offers them free of charge.
But the truth is that the modern insurance industry is very complex, and there are many distinct advantages and conveniences when you shop for insurance with an agent as your guide.
Here are 5 of the most important reasons to make use of a health insurance agent when you choose your next policy:
1. You Don't Pay Any More To Use An Agent
Contrary to popular assumption, you don't pay any more for your insurance policy when you have it recommended to you by a health insurance agent/broker - and there are no fees you pay to meet their commission.
Agents' commissions are just part of the ordinary expenses of the businesses, which means no one is paying more or less based on whether an agent was involved in the sale - so you may as well use this free service!
2. Agents Don't Have To Limit Your Choices
If you use the right kind of agent or a broker, then there is no pressure to buy from a specific insurer or to choose a particular policy. The agent isn't paid based on which company he sells you insurance from - so there is no limitation to your choices involved.
Instead, a good agent will simply act as a "helpful middle man" who connects you to your ideal insurer and policy. Again, since you aren't paying more to use this particular type of middle man, you have everything to gain and nothing to lose by doing so.
3. You Get Immediate Answers To All Your Insurance Questions
Need help deciphering "insurance lingo?" Want a quick, honest answer to the real impacts the "fine print" of a health insurance policy will have on your actual out of pocket expenses? Or how about if you need detailed guidance on figuring out how much insurance you really need this year?
A good agent will take time to assess your likely annual healthcare expenses, crunch the numbers on cost-sharing for possible policies, and show you how much you would have to pay for various coverage amounts on competing policies. That helps to lift the fog and reveal to you what your most desirable policy really looks like.
4. Fast, Convenient Enrollment
Even when you've decided for sure on which policy you want to go with, there's still the application process to think about. A health insurance agent will guide you through enrollment step by step, making it fast and painless!
5. Be Your Go-To Assistance Going Forward
Another misconception is that insurance agents are done with you the moment you sign on the dotted line. Not at all true! You can contact your agent later on if you have any problems or questions about your policy, about making changes to your account, or about managing a claim.
Your agent is there to help whenever the need arises - and to help you re-enroll or find a new policy next year.
To find out more about how a health insurance agent can assist you with your health insurance needs, contact Summerlin Benefits Consulting today! We can guide you in finding both primary and secondary health insurance policies that affordably meet your needs and those of your whole family.