How to Find a Good Health Insurance Agent
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Written by
Chelsey Tucker
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Reviewed by
Daniel Walker
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UPDATED: Mar 19, 2020
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- Finding a good health insurance agent requires patience and a great deal of research
- Some people prefer to simply compare health insurance quotes online instead of hiring a traditional insurance agent
- In the past, a health insurance agent could get their clients significant discounts on policies, but many people claim that it is now easier to find affordable policies online
Many people who are looking for health insurance are worried about finding a good health insurance agent. There are several ways to research health insurance agents to ensure that you find one that will help you get the best deal. You can check out reviews online, look up the Better Business Bureau rating, and speak to people you know about their experiences with health insurance agents.
After you’ve done all of the research that you need to do, it’s time for you to meet with a prospective agent and speak to them. If this doesn’t work out, you can always compare health insurance quotes online and get your own policy. To learn more about finding a good health insurance agent, read on.
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Checking Out Online Reviews
The first thing that you should do when you’re looking for a good health insurance agent is checking out online reviews. There are several different websites that you can go to to find these reviews. The most popular such websites are Yelp and Google Reviews.
You should take the reviews on these websites with a grain of salt. Anybody can leave a review, including disgruntled ex-employees or competitors. However, you should take these reviews into account when you are researching health insurance agents. Just keep in mind that online reviews are only one part of the process.
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Looking Up the Better Business Bureau Listing
While online reviews are an important part of researching health insurance agents, you should also check out the Better Business Bureau listing for the agents you are interested in.
The Better Business Bureau investigates different companies and comes up with a rating based on their own findings. They do not allow anybody to post reviews of the companies featured on their website, so the BBB is more reliable than Yelp or similar sites.
Speaking to People You Know About Health Insurance Agents
While the Better Business Bureau ratings are fairly reliable, word of mouth is undoubtedly the most reliable method of looking into health insurance agents. You should speak to everyone you trust and ask them about their experiences with health insurance agents and see if they have any recommendations.
Meeting With Health Insurance Agents
Once you have narrowed the list of prospective agents down to two or three names, it is time for you to meet with agents in person. This may be the most important part of the process because you can always judge a person’s character better when you meet them in person.
Health insurance is an extremely important part of everyday life, and you want to make sure that your agent is somebody you can trust.
It may seem like you have to put a lot of time into finding a health insurance agent, but it’ll be worth it in the end.
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Hiring a Good Health Insurance Agent
Once you have identified the agent that you wish to hire, it is time to get a policy through them. The agent is not officially your health insurance agent until you get a policy through them and sign the contract. This is what you have to do to start a working relationship with the insurance agent that will hopefully lead to you getting many good health insurance policies in the future.
A health insurance agent may also sell other types of insurance. You may be able to get a discounted car insurance or life insurance policy if you buy it through them.
What To Do If You Don’t Like the Agent You’ve Hired
Sometimes your working relationship with the health insurance agent will take a bad turn. This can happen even if you did your research in finding a health insurance agent. If this just happened, don’t be discouraged. You should not hesitate in starting the process of finding new health insurance agent.
Finding another agent may seem like a pain, but keep in mind how important it is to have a good health insurance policy and health insurance agent you can trust.
Going Without a Health Insurance Agent
While a health insurance agent can certainly help you get a good policy for an affordable price, it is not absolutely necessary in this day and age to have a health insurance agent. It is quick and easy to compare health insurance quotes online and get a good policy.
Some people actually find this easier than getting health insurance agent in the first place.
Some people still prefer the personal relationship with the health insurance agent, and they claim that they can find better prices than comparing health insurance quotes online. Whether this is actually true or not is up for debate. In the end, it’s really just personal preference.
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Health Insurance Agents and Discounted Policies
The notion that health insurance agents can get you discounted policies has been disputed by many recently. In the years before the Internet, this was certainly true. However, the Internet has made it possible for people to compare health insurance quotes online and get their own affordable policy.
Many young people don’t even consider going to a traditional health insurance agent, and instead simply use the Internet to find their health insurance policy. Many older Americans still use traditional health insurance agents, but even this demographic is starting to use the Internet more than in-person agents.
Getting Your Own Health Insurance
In conclusion, getting a good health insurance agent is certainly worth looking into. This is the case even if you are planning to simply compare health insurance quotes online instead of getting a policy through an agent. It is very important that you do your research before you get a policy through an agent.
You don’t want to end up working with an unscrupulous or untrustworthy health insurance agent, so take your time to do research and meet with several prospective agents to determine which one is the right match for you.
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