Health insurance firms are represented by insurance agents to sell covers to potential clients. Potential clients can get valuable knowledge on an insurance cover from agents before purchasing a cover. Below are some factors you need to take into consideration when choosing a health insurance agent.
Knowledge of the type of health insurance agent either a broker agent or a captive agent is the first consideration you have to take in mind. Broker agents are independent agents and they sell covers from clients to a wider range of health insurance service providers. Captive agents, on the other hand, are hired by a single health insurance firm and are limited as they only sell covers available in that particular firm alone. It is advisable to choose an independent broker to a captive broker due to the variability of health insurance service providers they can approach with your desired cover.
The second factor you need to take into consideration is the reputation of the health insurance agent. Reviews from previous clients to the health insurance agent can come in handy in the assessment of his or her reputation. Reviews from previous clients don’t only give insight into the quality of service an agent offers but also on his or her honesty and trustworthiness. Base your choice of a health insurance service provider on reputation. Consider getting referrals to a known health insurance agent by a family member or a friend.
The third factor you ought to take into consideration is the licensing of a health insurance agent. To prove that the health insurance agent is allowed by the regulating authority to operate and sell health insurance covers to potential clients. It is therefore highly advisable that you ensure a health insurance agent is properly licensed and that he or she can present the documentation once you request for it.
The expertise of the health insurance agent and his or her knowledge with the health insurance covers they are selling to clients is the fourth factor you ought to take into consideration. The overall understanding of the insurance cover you inquire on and the ease at which an agent presents and pitches the product to you can give insight to their expertise. Consider a different agent if you find one who is not conversant and doesn’t understand the insurance cover he is selling.
Finally, take into consideration the experience of the health insurance agent. The experience can be measured by the number of years an insurance agent has been in operation and the number of clients he has successfully sold insurance covers too. The more the years and the number of covers sold the more experienced a health insurance agent is. As you choose a health insurance agent to ensure that they are well experienced. As you choose a health insurance agent let the above tips guide you.