It’s only natural that you’ll have questions if you’re considering enrolling in a health insurance plan. The good news is that the Affordable Care Act means you can get assistance when selecting your plan. You can either work with an experienced, licensed health insurance agent or an authorized individual Marketplace representative called a Navigator to help answer your questions.
Although a licensed agent and a Navigator do share some similarities, there are some differences. It can be more beneficial to use a licensed agent over an unlicensed, government-trained representative. Here are our three top benefits of why you should choose a licensed agent.
A licensed health insurance agent is trained and certified to help you. They’re experienced and knowledgeable about state exchanges and private insurance companies available off-exchange. A local North Carolina health insurance agent can offer you valuable guidance when selecting the right plan for you. In addition, they can help with enrolling in a health insurance plan on or off-exchange, and the best thing of all is that their help is provided free of charge.
Licensed health insurance agents are focused on helping you with your health insurance plan needs. Our local health insurance agents NC team has years of experience helping people throughout North Carolina. You can feel confident they’ll work to get the best outcome for you.
Using a trained and experienced licensed health insurance agent can offer you peace of mind when making decisions about your insurance coverage. In addition to the Marketplace, a licensed agent can explain the benefits of plans not available on the government exchange. They can advocate on your behalf with your health insurance provider, helping you resolve questions or issues.
Selecting the right health insurance plan can be a lot easier with the help of an experienced and knowledgeable, licensed health insurance agent who works for the benefit of customers.
Both licensed health insurance agents and unlicensed Marketplace representatives receive training and certification as counselors for state exchanges. They can help locate subsidies that lower the cost of your health insurance.
However, when you work with licensed health insurance agents North Carolina, they can help select specific policies that match your needs and budget. Both an agent and unlicensed government-trained reps can provide assistance with enrolling in a health insurance plan through the government insurance exchange (for free). However, only a licensed agent can make recommendations based on your personal circumstances.
If you’ve got questions about your health insurance plan options within the Marketplace or using a private insurance company, our licensed health insurance agents are ready to answer your questions. We help you find the right coverage for your health needs and budget.
When you opt for a licensed health insurance agent over an unlicensed government-trained representative, there are many benefits to consider. Working with an agent means you have someone you are comfortable with who can help when you need to consider life changes, plan changes, and have any claim or benefit questions.
Additional benefits include:
They can help to select health insurance policies specific to your needs, including location, network, and drug formularies.
Providing recommendations about the best plan for you based on your health and budget.
Assisting with locating and applying for government subsidies to help pay for your health insurance.
They’re fully trained for the state exchanges they work with.
They are required to undergo full criminal background checks.
Agents are up to date with the latest regulations and information by undertaking regular ongoing education in health insurance.
Can offer guidance on what health insurance plans are available in North Carolina, including the government exchange and private health insurance options.
If you’re using an unlicensed government-trained representative, it’s essential to understand that:
They are unable to recommend a plan based on your personal health care needs and budget.
They don’t have to undergo criminal background checks before working with consumers.
They are not required to pass licensure exams to demonstrate their health insurance expertise.
They can’t help with a health insurance company after enrollment occurs.
They can’t assist consumers in understanding health insurance benefits and plans that are not sold on a government exchange like the Marketplace.
If you’re interested in finding out about affordable health insurance North Carolina or family health insurance North Carolina our health insurance agents can help. There’s no need to search for ‘individual health insurance agents near me’. If you’re based in North Carolina and have any health insurance questions get in touch with us today or compare plans online.
Health Plans of NC, Kelly Quinn