Finding affordable health insurance that fits your needs can be difficult. With so many options available, finding the right health plan is a daunting task. Most people struggle to discover the perfect plan by themselves, not realizing there are health insurance agents who can help. So, how do I find a health insurance agent?
At Health Plans of NC, we are ready to help you find the health plan that suits your needs. When it comes to health insurance plans, it can be difficult to understand the fine print. A qualified health insurance agent can walk you through the process so you don’t have to do it all on your own.
Finding the right health insurance plan starts with finding the right health insurance agent. This article focuses on what licensed agents do and where to find the right one for you.
What is a Health Insurance Agent, and Why Do You Need One?
Health insurance agents are insurance professionals who can help you enroll in health insurance plans. They also assist in settling claims with your insurance company. These individuals sometimes work for a single insurance company or represent several health insurance companies. In addition, these licensed agents must be licensed in their particular state.
A benefit of working directly with a health insurance agent is that you may qualify for premium tax credits. Premium tax credits can make healthcare more affordable for lower-income individuals.
Sifting through health insurance plans can leave many people even more confused than before. Having qualified insurance professionals hand-pick your health plan can make the process quick and simple.
Qualifications for Health Insurance Agents
There are specific qualifications necessary to become a health insurance agent. Licensing requirements may vary by state. Choosing an agent that is familiar with your state's health insurance plans is very important.
Learn more about the importance of hiring local insurance agents here.
Agents must either have a high school diploma or GED
They must complete a background check
They must obtain a license within their state, which may require specific training and regulations
3 Tips on Where to Look for the Best Insurance Professionals
It’s smart to spend some time researching your insurance agent options before selecting one. It is an important decision that can have a big impact on your health and wellness. Knowing where to look is the first step. Explore some of our qualified, licensed agents here.
Don’t settle for the first agent you find. Here are three tips on how to find top insurance professionals.
Ask For Referrals
When seeking insurance professionals, asking colleagues and friends is a good idea. Leaning into people you know and trust often leads to a positive result.
Searching Online
Using online tools can make your search much easier. Use Google or other search engines and type in “health insurance agents near me.” GPS on your phone or device will likely have your location, allowing the search engine to connect you to agents in your area.
Take some time to review the candidates. Read their reviews and make a note of their star rating. This often indicates if others would recommend them. Additionally, sites such as Yelp can offer similar information.
Utilize Insurance Industry Tools
Associates like the National Association of Health Underwriters offer comprehensive industry tools. Their Find An Agent tool has helped many people in their search.
After finding an agent you like, it’s wise to contact the Insurance Bureau within your state. They can check to make sure your agent is licensed and qualified. You can also explore the Better Business Bureau to ensure they don’t have any complaints against them.
The Difference Between Health Brokers and Insurance Agents
Two types of insurance professionals can assist you with your health plan, insurance agents (which we’ve been discussing) and health brokers. While they may have similar goals in mind, they also have some distinct differences.
Agents usually work directly with an insurance company. They generally have deeper knowledge about particular health insurance plans. Their attention to detail makes them a better option for comparing quotes and answering questions. Agents are more specific and have more expertise in the field.
Also, we recommend working with insurance agents if you are seeking to bundle your coverage with other forms of insurance. Their connection to a particular insurance company gives them the inside scoop on all available plans. Agents also assist with qualifying for premium tax credits. Health insurance agents represent insurance plans directly.
Health insurance brokers offer a more generalized service, offering broad access to the full insurance marketplace. They are essentially a middleman between you and the insurance companies.
Brokers help you compare policies from different providers without expertise in any particular plan. Both agents and brokers have to be licensed in their states and need to sign agreements to sell Marketplace health plans. Insurance brokers represent you, not an insurance company, and in most states, brokers are required to act in a consumer's best interest.
What Qualities to Look for in Health Insurance Agents?
When seeking an agent, be sure you fully understand what they offer. This way, you can be sure that they will assist you in finding the best plan available. For the top professionals in your area, explore our list of qualified agents and get a quote today.
Here are some qualities you should be searching for in a potential agent.
Knowledgeable and Informative
A good agent should have a full, comprehensive view of your needs as well as the available plans. They should understand the plans in your price range and be able to sell you on the policy. A good agent should understand all legality within a plan and know how to explain it to you in a direct way. Being able to communicate the details in a palatable way is very important.
Focuses on Your Needs and Personalizes Your Plan
An agent is essentially your personal adviser. They should be focused on your needs financially while making sure you are completely covered. Agents are also your advocate when it comes to billing and claims concerns. They should be trustworthy and timely, making themselves available when necessary.
Frequently Asked Questions
How do I know which insurance is best?
Each individual has specific needs from their health insurance plan. Your finances, health, and age play a role in discovering the best plan for you. Speak with an insurance agent to help clarify your needs.
How do I choose US health insurance?
You can find US health insurance through the Marketplace, Medicare, and other Non-Medicare options.
Which health insurance company has the highest customer satisfaction?
Blue Cross Blue Shield, Humana, and UnitedHealth are amongst the highest-rated companies in the US.
What are the top five health insurance plans?
The five largest health insurance companies are Anthem, Aetna, Humana, Cigna, and UnitedHealth Group.
Who is the most trusted insurance company?
According to Investopedia, Blue Cross Blue Shield is the most trusted health insurance company in the US.
Are You Looking for a Qualified Health Insurance Agent?
Insurance agents help individuals find the right health plan for them. They often work directly through specific insurance companies, making them more knowledgeable about specific plans than brokers.
Finding the right agent for you can save you money and give you the coverage you need. Get a quote and consult with our qualified agents today.