It's our experience and expertise working for you.
Navigating the modern US health insurance market is anything but fast, simple, and forgiving should you make a mistake - if you do it on your own and you're not an insurance expert.
A professional health insurance agent or broker can help you avoid common mistakes people make when selecting a health plan and match you up with an insurance company that's right for you.
What Health Insurance Agents Do
Like all industries, the health insurance industry has its experts, and many of them become agents for a particular company, independent agents, or brokers. The latter two categories can assist you in selecting and buying a policy from a variety of companies instead of from just one.
A health insurance agent may meet with you in person to discuss your insurance needs, but he/she can also discuss these matters with you in depth over the phone or via online chat.
The agent will explain to you what today's market offers, ask you about your current health needs and coverage preferences, and work with you to customize a plan that's as close to an exact fit as possible.
Your agent can walk you through health insurance terminology, cost-sharing methods used by insurers, and realistic scenarios that clarify how much you would pay out of pocket under various policies in particular situations.
Additionally, a good health insurance agent can help you understand how secondary policies like accident insurance, critical illness insurance, vision and/or dental insurance, and more can supplement your primary health plan.
A Health Insurance Agent In Action
Let's say you need to buy a new health insurance plan for yourself, your wife, and your 10 year old son. Last year, you got insurance through your job, but you've switched career paths and now you need an individual policy.
You go to a trusted independent health insurance agent or brokerage firm, and the agent first walks you through the basics and answers some questions you have. Next, the agent narrows the field based on your stated preferences and needs.
Then, the agent can obtain the initial quotes for you and help you assess which one is really your best overall option.
Finally, your agent sets up the policy for you, tells you that you're now covered, and lets you know how the claims process works in case you ever need to file. Your agent also assures you that he's there to help you with your policy if you need him down the road - and hands you his card before your meeting ends.
The process is made smooth and easy. You have to provide the agent with some basic information on how much you normally spend on health care in a year, on how high of a monthly premium you can afford, and a few other things, but your agent basically does all the work while letting you make all the decisions.
That's how it's supposed to work, but not all agents or agencies are created equal. Be sure that you are relying on a licensed, experienced agency with high customer satisfaction rates, great marks with the BBB, and good reviews at Yelp, Angie's List, and elsewhere.
Who you trust to match you to the right policy and insurer really matters, so do thorough research before you decide on an agent.
To learn more, feel free to contact Summerlin Benefits Consulting today!