What Are The Benefits Of Working With A Health Insurance Agent?

When finding the right health insurance for you and your family, there are many benefits of using a health insurance agent or broker. 

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When finding the right health insurance for you and your family, there are many benefits of using a health insurance agent or broker. 

Here are some of the top reasons that using a broker can help you:

  1. Save you time

Searching for the right insurance can be time consuming, especially if you've never purchased health insurance before and are unsure of where to start. You can spend hours searching online to assess the right plan for your health needs and budget. However, an experienced and knowledgeable health insurance agent's services can save you loads of time, which you can use to do the things you enjoy!

  1. They do the hard work for you

With so many health insurance companies and individual plans to choose from, researching the right plan can be challenging. Back in 2017, it was estimated there were almost 1000 health insurance companies in the U.S. to choose from, each with multiple plan options to consider. An experienced insurance agent can access various platforms to help research the best plans for your needs. They'll explore plans based on your circumstances, budget and what you think you may need coverage for in the future so you can get peace of mind you're fully covered. 

  1. Affordable quotes

Because an experienced agent knows where to look, they can find you the best quotes for your health insurance needs that fit your budget. They have access to not only the Health Insurance Marketplace but also many different independent health insurance providers and know which ones offer the best value for people living in North Carolina. An agent can help you get the best quotes for your individual or family circumstances.

  1. Knowledge and experience

If you use a health insurance broker, their experience means they have in-depth knowledge about all the many types of health insurance plans available, whether that's Original Medicare, Medicare Advantage, a private health insurance plan or a Medigap plan. With each plan, they know exactly what level of coverage you will get. For example, they can check what level of coverage is available for dental and vision, any additional out-of-pocket costs you may need to consider or whether you need to use specific providers. They can also advise you if there are any limitations to your coverage that are important for you to consider, such as only being able to get coverage within your state. 

They'll assess your needs, determine the right fit for you and provide you with a range of options that include everything you need in an insurance package for you and your family. They'll also talk you through all the various areas to consider and ensure you understand all the different packages available to you before you make a decision.

  1. Hands-on help

As well as helping you source the best quote and the right coverage for you, a health insurance broker also helps you every step of the way when applying for your insurance plan. They can assist you with your application, including taking advantage of any federal tax credits that can help to offset your monthly premiums. They'll also check whether you qualify for any cost-sharing benefits so that you can maximize those benefits.

A broker can submit your application for you and help you organize any other information the insurance company may ask for when assessing your submission. This help can mean that you don't get any nasty surprises when it comes time to filing a claim, such as not being covered for a pre-existing medical condition. It also ensures that you don’t miss any important enrollment periods that could end up costing you more.

Talk to a local health insurance broker

If you live in North Carolina, our Health Plans of NC team is experienced at finding the most competitive North Carolina health insurance quotes. We've researched thousands of plans to best suit the needs of local residents, and we'd love to help you get the best health insurance North Carolina. If you're interested in speaking to one of our experienced and locally based agents located throughout Charlotte, Raleigh, Wilmington, Asheville and all over the state, get in touch with us today.

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