Why Choose A Local Health Insurance Agent

Using a local agent or broker can offer plenty of benefits if you're in the market for a new health insurance plan. Not only can you access quotes for plans that support your future medical needs, but getting advice from someone nearby can mean they understand the nuances of different plans specific to North Carolina. At Health Plans of NC, our experienced agents know how to find the best health insurance plans for North Carolina residents. 

Benefits of using a local health insurance agent

Here are just some of the benefits using a locally based health insurance agent can offer:

Local knowledge

Some states offer different policies, and some have various restrictions or rules depending on where you live. Using a locally based broker who lives and works in your area can help ensure that you purchase a policy that's right for you. A reputable local broker also stays updated with the latest news and regulations to keep you informed if there are any changes to consider when it comes to renewing your plan.

A local broker also understands coverage limits with Original Medicare, Medicare Advantage, private health insurance, and Medigap plans. They know which types of plans offer 'in-network' providers and can talk to you about your options if you want to stick with your local physician. They can also identify out-of-pocket costs, inform you about dental and vision coverage, and advise on any limitations that apply to specific plans, such as only being covered in your home state of North Carolina. 

A local broker will take the time to understand what you want from an insurance plan, including your budget, your medical needs, prescriptions you use or may need in the future. Then, they'll assess your family situation and devise the right plan to cover you and your family. And best of all, they'll take the time to talk you through your options and explain them, so you fully understand them before deciding on the right plan. 

Time-saving

If you've never purchased health insurance, it can be daunting to know where to start, and the search itself can be time-consuming. However, a local and knowledgeable health insurance broker can save you time by doing the hard work for you, so you can get on with more enjoyable things in life!

Access to research

Local brokers work directly with insurance companies which means they can access a wide range of plans and policies that aren't necessarily easy to access when looking on your own. In addition to working with insurers, they use various platforms to research the best plans for their client's needs based on their circumstances. 

Tailored for you

An experienced and local agent will take the time to consider your health needs to find a perfect policy for you. They'll listen to you to establish your budget and search for the best quotes that meet your needs and fit your budget. 

North Carolina health insurance agents have access to a wide range of policies and understand what's included in policies to recommend the best ones for you and your family.

Ongoing support

Local brokers work closely with their clients to help ensure they not only secure the best quote that covers all their needs but also help get the plan in place. They can help you complete all the relevant paperwork, including checking for things like tax credits to help offset monthly premiums and identify if you're eligible for any other cost-sharing benefits. 

Their knowledge means you won't miss any key enrollment dates and won't have to worry about not understanding how to make a claim or what different policy terms mean. They'll explain everything to ensure you fully understand your policy and plan details. 

What to look for in a local agent?

If you're looking for a health insurance broker, it's essential to know what to look for to help you find the right agent for your needs. Here are our top tips for finding the right insurance agent for you.

Experience: choosing a health insurance broker with years of experience can give you peace of mind that they know what to look for when securing the best health insurance plan for you and your family. 

State wide: if you live in North Carolina, choosing a broker with agents spread throughout the state can mean they understand the needs of residents, whether you live in Raleigh, Charlotte, Durham or anywhere else throughout the state.

Access to different plans: when shopping around for the right agent or broker, ask your agent how many types of plans they can offer and where they find their quotes. A reputable broker should be able to provide you with a wide range of quotes from various health insurance companies to ensure you get the right deal for you.

Knowledgeable: asking lots of questions when you initially talk to a broker can help you identify how much they know about different policies, regulations, rules, and application processes. Ask them about Original Medicare, Medicare Advantage, supplement plans, ACA plans, or short-term insurance plans, depending on your need.

Consider your needs: your health insurance broker should tailor the policy for your needs. Whether you work freelance, are changing jobs, thinking about retirement or already have an existing policy you're looking to renew, make sure your agent considers your circumstances when providing you with quotes.

Get help from a local agent

If you're ready to speak to an experienced and caring local health insurance broker, get in touch with our Health Plans of NC team. Our agents are located throughout the state and are on hand to help you get the best health insurance plan NC. Contact us today to find out more.