Indianapolis, IN – Do you live in Indianapolis or in the surrounding area and need health insurance? An Independent Indianapolis Health Insurance agent is ready to assist you with your need. However, whoever you decide helps you, it would be best if you looked out for a few things when hiring a local broker.
Determine whether the agent works for a health insurance company or represents more than one company. This is important because every company has different plans and types of coverage. Insurance carriers have different coverage agreements, such as drug formulary lists, doctors' networks, and other covered services. It is the responsibility of an agent to provide the right policy for his or her client. Some agents are called captive agents because they work or sell one insurance product (usually an employee of an insurance company). However, health insurance brokers and multi-line agents work with several companies. They can get the right policy coverage for your family, not concerned with selling the products of one company.
The next thing to look at is certification. Determine whether the Indianapolis health insurance agent is CMS certified to provide ACA plans. If you think there is no need to get an ACA policy, that’s fine. However, it can’t hurt to compare the ACA plans with the non-ACA plans to decide which is better for your circumstances. This is often crucial if you have health issues or pre-existing conditions that are often not covered by a non-ACA plan. Ensure your agent has experience and knowledge in handling complex issues, because your case may be complicated. The Charted Life Underwriter (CLU) certification is one credential for agents that shows they can handle complicated insurance and other financial matters.
Ensure that your agent is also licensed with your state; their continuing education is up to date and that he or she doesn't have any complaint issues with your state department of insurance (DOI). To check if your agent has complaints, call your state DOI office. Some states can even verify an agent's license via a link on the states DOI website. Indiana's Sircon Consumer Inquiry system is an example of this.
Finally, insurance is not a one size fits all package. You should go over the available plans with your health insurance agent and see the terms in a carrier provided document. Even honest brokers have trouble when giving an account of things on the phone, and this can lead to disputes after the sale. We are in Indianapolis, and we offer face to face meetings to our customers. You can meet with your agent when enrolling and to review the insurance plan materials that you selected with us. Hiring a local agent near you will make it easy for you to settle questions that may arise in the future, or in case, you want to alter the selected plan.
Although most agent – brokers have the option to set an appointment online (including us), it is advised to call an agent prior to setting a time to meet. This way, you can do an interview with them, and you will be sure that you are meeting the right person who can handle your situation. Often, if you set an appointment online with me I will call up to introduce myself and see how I can best help you. This allows me to first make sure there are products available to meet your needs and it also allows me to be better prepared to help you when we meet or do a video conference. Call us if you need a local health insurance agent in Indianapolis or central Indiana. You can also book an appointment right here at indyhealthagent.com. Let us provide the best medical plan for you. We look forward to working with you.
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