The services of a professional health insurance agent are free (for individual products) to the client. That is a big first step in the right direction. For group products depending on the size of the group a fee may be negotiated as some carriers have moved away from paying commission and it would be hard for anyone to expect their agent to work for free.
A professional, knowledgeable agent will know more than just the price of a product. They will understand the differences among and between different products offered. There are more than one kind of health insurance policy out there and they are not yet all the same. Presently each carrier has their own model for delivering the coverage and decides what benefits they feel are needed in their major medical policies.
A professional insurance agent can help you understand the differences between the gimmicky health plan for sale signs and compare/contrast them with a real major medical health insurance policy. Also, where appropriate they are able to help you pick a temporary coverage plan. It is a professional health insurance agent who knows all of this information and can use their knowledge to guide you to the right plan choice.
For those who prefer to go at it alone and use the internet, know that yes information is out there but it will take many hours of research to gather information that will just begin to get you to the level of knowledge you need in order to be somewhat familiar with the terminology to look at what coverage you can get. Then you have to spend hours comparing plans and try to figure out what looks best. Beyond that you will have to understand the underwriting parameters and how each carrier will rate and/or write your policy as not all carriers do so the same way.
Thus, even if you can choose your policy on your own, it is practically impossible to know how the insurance carrier will review your application without submitting one. If you then get an outcome other than as expected, you will have to go again with another carrier, all very time consuming and with some carriers at an application fee cost for each try.
A professional agent can assess your insurance need, recommend the best plan, prescreen your medical issues and based on how each carrier looks at specific issues help you pick the plan which considering all factors will be your best fit. They will help submit the application and assist in tracking the application thru the underwriting process. All of this, as I said before is done at no cost to the individual health insurance plan client. Thus, you get all the benefits and it costs you nothing. That is because the insurance companies pay us as agents to provide these services to you.
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