Saturday, July 30, 2011

Benefits of a Local Agent – How to Find Them and What to Ask

Choosing individual health insurance from a local independent health insurance agent allows you to settle a deal face to face. This human aspect of purchasing insurance is quickly depleting, but you can still make use of a personable agent who can literally sit down with you and find the coverage you need. There are a number of benefits of working with a local independent health insurance agent.

Filing an insurance claim when you have a local agent is much easier as well. Even though no one imagines they will need to file a claim, it’s always a possibility. With an agent on your side, you have someone to defend your rights instead of going up against the insurance company all on your own.

Insurance coverage can be expensive, and with a local agent, you can save money. Ironically, the opposite—that working with a local agent is more expensive—is often assumed. If you find the right agent, this assumption is absolutely false, especially when you consider the personal attention you receive to secure the perfect coverage.

How to find them
  • A local independent insurance agent is what you will be seeking for the best insurance buying experience possible. Ask friends and family members who they have worked with on a local level and what their experience was like.
  • Outside your social circle, you can conduct your own research online. Check out the Alpine Agency and what they have to offer in terms of individual health insurance, guaranteed issue health insurance, Medicare supplement plans, and life insurance. Getting started with a local agent here is easy.

What to ask

  • Before you settle with one agent or another, inquire about their experience and training. If you get a negative feeling from anyone you talk to over the phone, continue your research until you find the perfect local agent for you.
  • Along with assessing the agent’s credentials, you need to find out more about the coverage you can receive when choosing individual health insurance plans. Ask about your right to choose your own doctor or hospital, how specialist referrals work, what the exclusions are, specific benefits of one plan over another, and of course what the premiums, deductibles, and co-payments will be.

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