Choosing a Health Insurance Agent

Choosing health insurance agents is one of the most important insurance decisions you will make. While the majority of Americans with health insurance are insured through a program offered by their employer, there are still millions of people without employer-sponsored plans.

For these consumers, choosing a health insurance agent means making certain that the benefits received adequately cover routine care, emergencies and catastrophic illnesses and all for the most cost-effective price.

Health Insurance Basics

There are essentially two types of health insurance:

  • Indemnity Coverage – This type of health insurance allows you to choose your own doctors and medical facilities.
  • Managed Care – This type of health insurance typically limits your options to doctors on your specific health care plan and might limit options to one particular clinic, hospital or physicians' group.

What you Should Know About Choosing a Health Insurance Agent

Many insurers claim to offer the lowest-priced health insurance policies. But when choosing a health insurance agent, the low-cost provider does not necessarily mean the best provider for you. Be certain that when choosing a health insurance agent, he or she:

  • commits to understanding your particular needs
  • can explain the often-complex benefits to which you will be entitled, including
    • costs of office visits
    • deductible that you must pay before coverage kicks in
    • prescription drug options
    • coverage of pre-existing conditions

Choose a Knowledgeable and Professional Agent

Every health insurance policy will have an Outline of Coverage and Exclusions and Liabilities. Make absolutely certain when choosing a health insurance agent that he or she can explain these to you.

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