Since you have access to the marketplace, why would you ever want to deal with a health insurance agent?
There are lots of options when it comes to healthcare coverage and trying to navigate all the jargon and coverage to find the perfect fit can take lots of time and effort.
Partnering with a local health insurance agent not only saves time, but their help does not cost you any extra money. So, if you’re looking for an individual plan or are a business owner looking for a group plan, we’ll explain why using an agent is going to be your best bet for finding the best coverage.
Health insurance agents must fulfill education requirements
To become a licensed agent, there are lots of requirements to meet and exams to pass. Without breaking into legalese, an insurance agent must meet federal and state regulatory requirements, act in an ethical matter, and provide you with proper disclosures.
All licensed agents also have to:
- Pass a licensing exam
- Complete a state-approved insurance course
- Be fingerprinted
- Pass a background check
- Be approved by your state’s department of insurance
Typically, there are also ongoing education requirements that have to be completed in order to get a licensed renewed.
All this to say, a licensed health insurance agent should know what they’re doing. Sure, some may try to push an unnecessary policy on you. But, the easy way to find out they do that is to check their reviews!
Our services are free
You do not pay an insurance agent anything for their help. Your premium will be no different if you get your plan on your own vs. using an agent, either. So, why not save all the time and hassle and use our free help?
In fact, there is a stipulation in the Affordable Care Act known as the 80/20 rule that stated insurance companies must spend at least 80 percent of the money they receive from health insurance premiums on healthcare costs. The other 20 can go towards administrative costs which include commissions.
We continue working for you, even after the policy is purchased
Expert Insurance Team likes to retain its clients. So, we monitor your policy and when any changes to the healthcare coverage landscape might affect your coverage, we let you know about it.
And should you have any issues with your benefits, we can help you through the claims process.
As you can see, obtaining coverage is a much simpler process when you have someone on your side.
Expert Insurance Team has four unbreakable rules we remind each other of and have listed on the front page of our site:
- We’ll NEVER trade your trust for money
- We’ll ALWAYS provide the best possible service our heart and mind can give
- We’ll NEVER promote a product that’s not right for you
- If we screw up, we’ll admit it
So, if you’re trying to decide whether to go it alone or get our help, you can feel comfortable knowing we will do what’s best for you.