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Health Insurance Agents: What Do They Do?

HealthPlans of NC

Finding health insurance plans that meet all your needs can be time-consuming and stressful. Finding an insurance company that offers plans that fit your budget can also be difficult. Health insurance agents can assist you in this process. But what does a health insurance agent do?

Health insurance agents are licensed professionals who know the similarities and differences between insurance plans. They are well-versed in specific health insurance plans and often work directly for insurance companies. Using an insurance professional can save you time, money, and unnecessary stress.

This article is meant to educate potential clients about what agents do and how they can help you find the perfect health plan. Visit our website to get a quote and learn more about our agents.

What Are Health Insurance Agents?

Health Insurance agents work directly with an insurance company to guide clients toward plans that meet their desires. They are contractually obligated to sell only plans offered by their insurance company.

Working with a captive agent can help you qualify for a premium tax credit, saving you money. To become an agent, you must meet the following requirements. 

  • Have a high school diploma or GED certificate (bachelor’s degree optional)

  • Need to become licensed within their state

  • Must have an understanding of health care laws, tax laws, and state and federal health benefits

  • Must have good computer skills

Most people aren’t educated on health insurance's ins and outs. Knowing what plans you're eligible for isn’t always simple. That’s why working with an insurance professional is so important.

Our team of health insurance agents is highly qualified and experienced. Potential clients can explore our agents here.


4 Services Health Insurance Agents Do For Their Clients

Before choosing a captive agent to work with, it’s wise to learn exactly what they do for their clients. While other professionals can help you in your mission (such as a health insurance broker), an agent is often more knowledgeable about specific coverage. This is due to working directly for an insurance company. They also offer the benefit of assisting individuals seeking a premium tax credit. 

Responsibilities of an agent include:

  • Interviewing potential clients

  • Assessing their needs

  • Explaining health care policies and different types of insurance

  • Customizing insurance programs

  • Handling policy renewals

  • Assisting in settling claims

A health insurance broker doesn’t work for an insurance company. They work directly for the client. While a health insurance broker may be able to help you shop for plans with more than one insurance company, they often don’t have the inside knowledge and internal contacts with the insurance carriers that a captive agent does. 

Here are four services that a good health insurance agent will offer.

Listens and Learns About Your Needs

An insurance professional should be a good listener. Learning your story can offer a bigger picture, allowing an agent to create a solid health plan. 

After understanding a client's needs, they should walk you through the process of attaining coverage. They will also explain the types of insurance available and the coverage details.

A good agent's main goal is to find an affordable plan that meets all of the client's needs. A good agent will feel like a guide rather than a salesman.

Explores All Available Options In the Market

Another key benefit of working with a licensed insurance agent is that they can make personalized recommendations. An agent can offer a healthcare plan based on your circumstances.

A good agent will understand the full scope of a situation, the types of insurance available, and a client's eligibility and needs. From there, they can explore the marketplace for the best plan possible. 

Look here for more benefits of using a health insurance agent before considering a health insurance broker.

Helps You Save Time and Effort

Agents have access to tools and resources that clients often don’t. Their services can simplify a usually tedious task. Due to modern technology, clients can more efficiently work through their health plan options with an insurance professional.

A good agent will stay in touch with clients and build long-term relationships through social media, email, and other electronic means. Staying in touch shows that they care and are willing to go the extra mile to give you the coverage you deserve.

Updates Their Clients About New Insurance Policies

Insurance agents are paid to stay educated about their industry. As new policies emerge, a good agent will let you know immediately. This information makes clients feel valued, encouraging them to stay with that agent long-term.


The Difference Between Insurance Agents and Navigators

Another health insurance professional is an insurance navigator. Navigators help individuals enroll through the health insurance exchange. They are unlicensed, so they cannot recommend particular policies.

In addition, navigators are hired to provide general information about coverage and financial assistance connected to the Affordable Care Act, specifically Medicaid. They are government-employed and are not affiliated with particular insurance companies. 

Simply put, insurance agents can offer more specific and comprehensive assistance. Navigators are only able to help with government-based coverage. They aren’t legally allowed to recommend specific plans based on your needs.

Navigators are essentially designed to help you navigate the government-run exchange website. Insurance navigators are allowed to work without a criminal background check, which licensed agents must adhere to.

If you’re eager to find an agent to help, get a quote today.

Ways to Connect With Health Insurance Agents

Having a qualified insurance agent at your side is a worthy investment. Taking time to explore your options can help you save money and time. Referrals from friends and family and online search tools can assist you in your search.

Please also check out our team of agents. We’re eager and ready to find a health plan that meets your needs and budget.

Frequently Asked Questions

What are the three main types of insurance?

Health Maintenance Organizations (HMOs), Point-Of-Service (POS) plans, and Exclusive Provider Organizations (EPOs).

What is risk in insurance?

Insurance is based on the possibility of unforeseen events that lead to loss of life or property. You pay an insurance premium based on the probability of the event happening.

What is the difference between a broker and an agent in health insurance?

An agent offers comprehensive insurance plans within one particular company. On the other hand, a broker works directly for you, providing information about plans from many different companies.

What are claims in insurance?

A request to your insurance company for reimbursement.

Is a health insurance agent necessary?

An insurance agent is not necessary. However, their services often help individuals find their desired plan faster with less stress.

Do You Want to Find the Best Insurance Plan Available?

Insurance agents are licensed health insurance professionals who can help individuals find quality health insurance that meets their needs. They generally work for one insurance company, offering in-depth knowledge about specific health plans. Working with an agent often helps individuals better understand their options.

If you’re looking for a less stressful health insurance process, contact one of our agents today to get a quote.

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