Can you afford an unknowledgeable health agent?

This is a question only each one of us can answer for ourselves, but it appears that the resounding conclusion is NO. Approximately twenty percent of our gross domestic product is spent of healthcare as an industry. Obviously, most of these expenditures start through the premium process, meaning that our healthcare expenses start by being collected by the health insurance carriers and third party administrators. From there, actual healthcare expenses and administrative costs are paid.

My whole point was not to give you an insurance 101 class, but to state of how important the role of an agent who will help you and your family decide how to spend your money in attaining the best health insurance policy for and your family’s needs.

Therefore, if your agent is not experienced enough, nor has the knowledge for all products and plan types that should be available to you, then he or she may not be able to assist you in getting the best health insurance policy for you.

An agent really must qualify each prospective client individually and specifically for their needs. This means that a client’s health conditions and health history are important for this process to be done right. The risk of submitting an insurance application to the wrong carrier that may reject you can be great.

Also, a good health insurance agent will properly analyze your budget and work with you on assessing your tolerance for risk.

The combination of all these things plus understanding the carriers peculiarities in processing, underwriting, billing, acceptance, etc. will go a long way in really working the best health insurance policy for you.