Should You Use a Health Insurance Agent or Find Insurance Alone?
Whether you need personal, business or family policies, health insurance can be very complicated. If you don’t have health insurance through your employer, looking at coverages and exclusions and deductibles can be really confusing. On top of that, the price can be expensive depending on how many people need coverage, what insurance company you choose and your age. There are also multiple options for different family sizes, employee groups, and businesses. Because there are so many choices to consider, it’s difficult to try and figure out which coverage to buy on your own. The policy you end up with could either end up costing you money in unnecessary fees or be short on coverage in critical areas… two things you surely want to avoid. Here’s how using a health insurance agent can help you right away.
A health insurance agent can help you understand all of the plans on the Exchange or Marketplace.
A licensed agent will be able to dissect the different insurance plans being offered and help you choose the best plan for your needs at the best price available. After all, no one wants to spend money on coverage that they’ll never want or need! Agents have special access to plans you might not be able to find on your own or through the navigation service, so they can help you get the best insurance for what you can afford. Their knowledge and wisdom regarding all aspects of the industry are invaluable in getting not just the first plan that’s presented, but the plan that’s built with your best interest in mind.
Every state requires insurance agents to be licensed. This means they are required by law to work in your best interest. In other words, your agent is your best friend! Your EZ Health Rates agent will be happy to answer any questions that you might have and work alongside you for as long as it takes to ensure that you get the health insurance that is best for you and your family or business. Our agents are waiting for your quote request now and will start work immediately to provide your personal plan.
Act as your advocate
A health insurance agent will be your advocate if you are having problems with your insurance. If you’ve received a notice from your health insurance company that has to be resolved, it’s good to have someone with experience on your side. They will call on your behalf, with your best interest in mind and try to work out an acceptable solution for all involved. Your EZ Health Rates health insurance agent is your friend in the business, and will always work to make sure that your insurance issues are taken care of quickly.
Recommend a plan based on your individual needs
An agent can customize coverage to meet your unique needs. For instance, they can get coverage that covers more for a specific line item such as hospitalization or find a plan that will have better coverage for certain health conditions. If you have specific health conditions, be sure to ask your EZ Health Rates agent to look into these kinds of adjustments in order to save money or bolster coverage on the services that benefit you the most.
Help you understand plans that are not on the Government Exchange
You might be able to find better coverage outside the Government Exchange. The Marketplace is another option that is available to find insurance. While The Exchange is based on your income, if you don’t qualify, you’ll need to go to the Marketplace to look for an insurance plan. Agents are very familiar with these plans and can help you pick the right plan for your needs either way. They can check prices and options from many different sources to ensure that you get the best choice.
Because of the endless number of options, qualifications, and sources that need to be considered, finding insurance on your own can be very stressful. It’s hard to figure out which plan to choose because they are all completely different. Luckily, you don’t have to! An EZ Health Rates health insurance agent can help you choose the perfect plan and work in your best interest to find the coverage that works the best for you or your business today.