Getting the most suitable health insurance means getting professional help. Health insurance agents provide the professional help you need to find the best insurance plan. Looking for health insurance in Noblesville, Indiana, we have put together pointers to help your search.

Captive agent or multi-carrier agent?

Let’s begin by discussing the two categories of health insurance agents. Health insurance agents can be captive or multi-carrier agents. You should know the difference between the two types of agents to choose effectively.

A captive agent is an agent that represents a single organization. If you engage the services of a captive agent, you would most likely have to choose between plans offered by a single carrier. A multi-carrier agent, on the other hand, is not affiliated with a single carrier. Multi-carrier agents are affiliated with different health insurance providers.

From the basic definition of the two categories of health insurance agents, one can infer that the services of captive agents are limited. When you know the category an agent belongs to, you know the kind of services to expect.

Certification and complaints

Before you choose a health insurance agent, you should also find out about certification and complaints. The certification of an agent will determine the quality of service you will get. Certified personnel have the full backing of the law to offer the services; this applies to the health insurance agents just like other professionals.

It is also notable the certification required to practice according to location. Thus, you should be sure that your chosen agent is fully licensed to practice in your locality. The department of insurance of your state will provide full information on the certification of agents.

You can also find out about complaints that have been filled against the agent. You have the option to contact the department of insurance of your state to find out whether complaints have been filled against an agent.  Remember to evaluate whether complaints have been filled against the company and not just the agent.

References

Another aspect to consider when assessing the credibility of health insurance reps are their references. You should interact with other clients of the agent or read their online reviews to ascertain both the credibility and quality of service. It is best to interact with individuals and organizations that can provide unbiased reviews

Indy Health Agent caters to the individual and group health insurance needs in Noblesville, Indiana. We partner with our clients to find the plans that are most suitable for the needs and goals of our clients. As independent agents, we find plans from a wide range of carriers. We also search for plans across the different categories and types of plans.

We cater to the needs of individual and business clients, finding the most suitable individual, family, and group employer plans. In line with our commitment to help our clients make strategic financial decisions, we also offer value-added services such as Medcard. With Medcard, our clients get extra services such as telemedicine at no extra cost. We also have a free guide on employee benefits that do not cost money.