Have you recently just lost your medical insurance, and you reside in Indiana? You might want to look for the assistance of an independent Health Insurance broker here in Indiana. Here are a few of the items you should examine and consider as you make your decision on what agent to work with.
The First Thing to Consider:
Carrier Appointments: This simply means what companies does the agent represent? The question of the health insurance agent representing a firm or several firms should be asked. The reason being that no insurance company has the perfect plan for everybody.
Network of physicians and hospitals, list of drug formulations, and insurance benefits differ amongst insurance companies. Therefore your chosen health insurance agent should be able to search out a suitable insurance policy for you. Because a captive insurance agent working for one insurer, is not going to have many policies to choose from, it is recommended that you use a multi-carrier agent or broker. An independent agent is affiliated with several insurance companies, thus having diverse portfolio of insurance products at hand. From the many carriers available, they can select the one that would be perfect and suitable for their clients.
Another Thing for Your Consideration:
Certification: Another question you might want to ask is if your Indiana health insurance broker has CMS certification, which gives them the authority to offer ACA program policies. Of course, you might not be needing a ACA Marketplace plan. Still, at some point, you might want to compare between ACA and non-ACA plans. Or you may not even currently know the difference. It would be helpful if you have an agent that can explore all options. Especially if you currently have some health issues. Almost all Pre-existing medical conditions are not covered by non-ACA medical plans.
Also, depending on the intricacy of your condition, you should ensure your health insurance agent has professional know-how about handling insurance complexities. Designations such as the Chartered Life Underwriter (CLU) certifies an agent as being able to handle and deal with complicated cases of insurance and other financial matters.
State Licensing, up to date credits on educational continuance, any allegations by the state Department of Insurance (DOI) should also be looked into. A call to the department of insurance for your state will allow you to conduct a quick search on an agent. By visiting a link on the state DOI website you can easily confirm the license of your agent. Indiana’s DOI site uses the Sircon Inquiry system found by clicking here.
A Local Indiana Independent Health Insurance Agent
In conclusion, as hard as telephone call centers and marketing websites have tried, an insurance policy is not a “one size fits all” deal. It is of immense help if your insurance agent can have a face to face meeting with you (or at least a computer screen sharing appointment). Preferably where your insurance offer is in front of you to view in "black and white".
We work and live in Indiana, and that provides us the opportunity to work with our clients face to face in jointly choosing the most suitable insurance coverage. Having an independent agent that can be contacted also helps in case of misunderstanding or changes within your chosen plan. Obviously, when in search of a suitable health insurance broker, there are more things to be considered, but those I’ve mentioned above, are the most basic things you should look out for.
It's is advisable that you have access to your prospective insurance agent via the phone (preferably their mobile phone) and also face to face meetings. This puts you at a more advantageous position of conversing with the agent and getting to know him or her. You can determine if they will work with your best interest at heart. This person should be there guiding you in finding a suitable insurance choice. One that will be of the best service to you, your family or company.
Do you need a local Indiana health insurance broker? Give me a call or schedule a meeting time at indyhealthagent.com. Give us the chance to work with you in choosing your next individual or group health insurance plan. If you decide to work with us, you can be assured of service with integrity and dependability. There’s no need to put this off, let's get you protected with the right plan. Schedule online or call/text me now at 317-514-8696 and tell me about your situation.
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