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How to find the best health insurance agent

How to find the best health insurance agent is something that everyone needs to know the answer to. It is important to deal with people that you trust and are confident will do a good job for you. Educating yourself is the key to how to find the best health insurance agent. You need to be familiar with the factors that make up a good health insurance agent, where to find agents and the questions to ask them. With the right knowledge and just a little preparation; finding the best health insurance agent will be easy.

Options On How To Find The Best Health Insurance Agent

There are many ways to find health insurance agents. Some of the top ones are listed below.

Online quotes: If you get quotes through online quote tools, usually you will be contacted by a health insurance agent, who has been designated to handle your inquiry.

Referrals: Ask friends, family and other people you know if they have a health insurance agent they would recommend using. Referrals are often the preferred way of finding good service.

Yellow pages: Look in the yellow pages to find health insurance agents, then ask the necessary information to make sure he or she is the best agent for you.

How To Find The Best Health Insurance Agent: The Necessary Traits To Look For

Once you have found a health insurance agent, it is important to make sure that he or she is the best one for you. Selecting the best health insurance agent can be tricky but it will help if you are aware of the traits to look for. A good health insurance agent should be:

  1. Patient

  2. Informative

  3. Knowledgeable

  4. Professional

  5. Reliable

  6. Prompt

  7. Trustworthy

How To Find The Best Health Insurance Agent: What You Should Ask

It is important when looking for the best possible health insurance agent to make sure you are comfortable with the person and have a good rapport. The best way to discover these things is by having a conversation with him or her. Below are some things to discuss.

  1. Experience: Ask about the agent’s experience in the health insurance industry and the company’s experience. It is wise to go with a health insurance company that has been in business for a while and has dealt with a variety of different situations. If your agent is experienced, you will usually be able to get better, more accurate information more quickly than with someone who is inexperienced.

  2. Stability of Company: Ask about the stability of the company or companies the agent represents. Specifically asking for their insurance ratings will tell you a lot about the company. If they have all A’s with the independent insurance ratings companies, then you can count on its financial stability.

  3. Claims Process: Ask the agent about the company’s claims process. A good agent should be able to inform you as to how long it takes for claims to be paid out and what procedures there are to appeal a decision should a claim be denied.

  4. Independence: Ask how many different insurance companies the agent can work with. Some insurance agents can only work with one health insurance company (called a captive health insurance agent) while others can work with multiple companies (called independent health insurance agents or health insurance brokers).

  5. Explanations: Ask the agent to explain the different coverage and different health insurance terms. Ask about the difference between individual health insurance and group health insurance. If he cannot do these things to your satisfaction, then you may want to consider using a different health insurance agent.

How To Find The Best Health Insurance Agent: Go With Big Name Companies

Big name insurers that are nationwide are often well known for their professionalism, dedication to customer service and the quality of training they provide to their employees. Companies that have been in business for a long time and have grown and prospered recognize that quality is important. They strive to provide the best health insurance agents possible through good, continual training, competitive salaries and recognition for a job well done. Some big name health insurers to consider are:

  1. Blue Cross Blue Shield

  2. CIGNA

  3. United Healthcare

  4. Humana

  5. Aetna

  6. Assurant Health

  7. Kaiser Permanente

How To Find The Best Health Insurance Agent: Compare Quotes

Once you have found out how to find the best health insurance agent, the next step is to get a quote comparison. You can do so by going to the top of this page and clicking in the quote tool box.

Compare multiple insurance companies and agents quotes side by side online.

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