Getting the right health insurance plan is very important for you. Just as important is finding the right agent to represent you in your search. There are tons of agents that would love to help you, but finding a good one is tricky.
If you have started your search and have requested any quotes online you have probably starting getting calls from eager agents. Not all agents are created equally. Some agents are working for you, while others are only interested in making a quota.
Some people opt to do the search and purchase online without ever speaking to an agent. If you know all the health insurance lingo and you do not have any complicated circumstances this is perfectly fine. But if you have questions or you are not sure what kind of plan is best consult with an agent.
Some people are more comfortable meeting the agent face to face and working local. Others find it just as easy to work with a licensed agent right over the phone and online from the comfort of their own sofa. Either way is fine.
If you have friends or family that have recently purchased health insurance, perhaps they can recommend an agent. Word of mouth advertising is usually a good source! Otherwise you should visit your states Department of Insurance to help you find a licensed agent.
There are basically 2 different kinds of agents. A captive agent is simply contracted with a insurance company. They can sell and recommend only the products that the insurance company has. And independent agent can shop around all insurance companies for you.
Be careful of the pushy agents that call you at home 20 times a day. Some are very good agents, but some our out for their best interest, not yours. And do not fall for the sales people (not agents) that call you trying to sell you non insurance products such as a discount card.
There are many fraud reports revolving around these discount plans. They often are misleading and refunds are non existent. If you are a self pay patient at a doctors office or hospital you will receive a discounted rate. You do not need to spend hundreds on a piece of paper to get that.
If you have started your search and have requested any quotes online you have probably starting getting calls from eager agents. Not all agents are created equally. Some agents are working for you, while others are only interested in making a quota.
Some people opt to do the search and purchase online without ever speaking to an agent. If you know all the health insurance lingo and you do not have any complicated circumstances this is perfectly fine. But if you have questions or you are not sure what kind of plan is best consult with an agent.
Some people are more comfortable meeting the agent face to face and working local. Others find it just as easy to work with a licensed agent right over the phone and online from the comfort of their own sofa. Either way is fine.
If you have friends or family that have recently purchased health insurance, perhaps they can recommend an agent. Word of mouth advertising is usually a good source! Otherwise you should visit your states Department of Insurance to help you find a licensed agent.
There are basically 2 different kinds of agents. A captive agent is simply contracted with a insurance company. They can sell and recommend only the products that the insurance company has. And independent agent can shop around all insurance companies for you.
Be careful of the pushy agents that call you at home 20 times a day. Some are very good agents, but some our out for their best interest, not yours. And do not fall for the sales people (not agents) that call you trying to sell you non insurance products such as a discount card.
There are many fraud reports revolving around these discount plans. They often are misleading and refunds are non existent. If you are a self pay patient at a doctors office or hospital you will receive a discounted rate. You do not need to spend hundreds on a piece of paper to get that.
About the Author:
Agent Jeff Clines cares about finding you health insurance that meets your needs. Jeff is not one of those fast talking pushy salesmen. He wants to match you with what works best for you. He can help you find affordable insurance plans. Call him 24 hours a day at his toll free # 866.526.9669
No comments:
Post a Comment