If you’re looking to enroll for health insurance under the Affordable Care Act/Obamacare, then choosing an agent over the healthcare.gov call center may be the right thing for you to do. The healthcare.gov call center will answer your questions related to health insurance under Obamacare, assist you to start and complete an application, help you to compare plans and to enroll, but an insurance agent will provide you all that and much more. You can enroll in marketplace health coverage by seeking help from insurance agents.
Using an agent over healthcare.gov call center
You can sort through the array of health insurance plans available to find one that fits your needs and budget with the help of insurance agents. While you may seek help from the healthcare.gov call center for enrollment, seeking professional help will make the process less daunting. An important step in the enrollment process is deciding who you will have to seek help from to choose an insurance plan. An insurance agent will assist you better in making a health insurance than the healthcare.gov call center.
However, you need to make sure of certain things before you decide on an insurance agent. These things include the following:
- Choosing a professional and reputable insurance agency with the help of referrals
- Checking registrations and licenses
- Calling state insurance commissioner’s consumer hotline to check the agent’s disciplinary record
- Ensure that the agent is able to completely understand and meet all of your health care needs
- Make sure the agent has a sound knowledge about everything related to health care insurance under Obamacare
- Look for an agent familiar with all health care facilities in your location, basically someone located close to your residence
Insurance agents typically have more leverage to make plan changes than healthcare.gov call center. Insurance agents have access to markets that others may not have and their services are also less costly. To find out what different carriers offer, it is recommended to research about a few insurance agents before coming down to a decision of choosing one.
Asking your agent how renewals are handled is a good idea as a renewal notice at the last minute may surprise you. You may want to have strategic-planning meeting to set health insurance goals for the year as part of your insurance renewal process 90 t0 120 days prior to the renewal date. Your agent will help you to review your plan annually and ensure that it fulfills your health insurance needs once you’ve chosen an insurance plan.
Health insurance agents are presented with opportunities and uncertainties by the Affordable Care Act/Obamacare. In order to navigate the changing regulations, enrollment process and health plan choices, consumers and small businesses require health insurance agents.
These insurance agents are experienced and licensed professionals. The health insurance agents are important to consumers as they help them plan that best fits their needs and budget. All these things make the health insurance agents a better option for seeking help than the healthcare.gov call center.