What Does an Insurance Agent Do?

Insurance agents are licensed professionals who specialize in connecting people with the insurance policies that are right for them. They help the customers understand their coverage by studying all the insurance company’s policies and their networks of doctors, hospitals and other facilities. They study all the plans that are available, prices, and they know how their customers choice of health plan will affect their tax return. Your broker/agent can protect and help you to prevent costly pitfalls and gaps in getting and keeping coverage that is inappropriate. 

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Why You Should Use An Insurance Agent Or Broker To Guide You

Customers who work with insurance agents receive the insurance policies that are tailored to their needs at the best price available. Trying to research this massive amount of information on your own is like trying to do your own tax return or fixing your own car. Where do you even start? And chances are, you won’t get the best results. The best part about working with insurance agents is their services are free to customers. Insurance agents are paid by the insurance company, not the customer. The customer will never pay extra or have any fees added to their policy for using their services. This means that customers have access to this specialized assistance at no additional cost.

Professional Insurance Services That Are Free to You

Think that cutting out the middleman always saves money? Think again! Using the specialized services of a professional insurance agent doesn’t cost you anything. Sure, you could do all the footwork yourself. It usually takes our agents 3-4 weeks each year studying, in depth, the new plans that come out during open enrollment, and they understand how these plans work. On your own, however, spending hours wading through industry jargon and cross-checking policies most likely won’t save you any time nor money. Agents start forming in their minds a perfect plan customized to your circumstances, as you begin to tell them your situation. They take your medical needs into consideration to help identify plans that would cover and the costs of prescriptions you’d have to pay on each plan. If you feel comfortable enough with your agent to tell them your circumstances, this will allow them to help you. Working with an insurance agent ensures that you get the best insurance at the best rate for the price that fits your needs and budget. Agents have knowledge of the networks and formularies as well as finding the right doctors and hospitals that are in those networks. If applying for a subsidy, they will ensure you accurately state your income to keep you out of deep financial trouble with the IRS. They understand what prescription drugs your plan covers, and they specialize in knowing the benefits of these plans.

Comparison Shopping with an Insurance Agent

When it comes to shopping around for insurance, it can be hard to ensure that you’re making accurate comparisons. Policies, co-pays, policy limits, deductibles, premiums, and available discounts all vary from one company to another, making it difficult to understand how to evaluate prices and coverage options. An insurance agent has the knowledge and expertise to accurately cross-compare insurance companies. They know the differences between major medical, indemnity, mini-medical, group, on exchange, off exchange, and government subsidies.

Insurance Agents Provide Personalized Service

Unless you have a background in the insurance industry, understanding the coverage options that you have available can be difficult. Your insurance agent sits down with you to discuss a full range of factors including your budget, lifestyle, and then tailors an insurance policy that is just right for you. On top of that, if you ever need to file a claim or an appeal, your insurance agent has your back and can help guide you through the process from start to finish if the claims are not getting processed correctly.

Enjoy Tighter Control Over Your Personal Information

Shopping around for insurance often requires that you provide personal information, including your contact information, to several insurance companies. This can lead to a bombardment of phone calls, mailers, text messages, and emails from numerous insurance companies. When you work with an insurance agent, you gain the benefit of getting free quotes from multiple insurers without having to give your personal information out multiple times.

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Be Confident in Your Insurance Coverage With Nevada Insurance Enrollment

When disaster strikes, you want good insurance, not cheap insurance. If you buy a plan that is “cheap”, the few dollars that you save every month with a low premium on a sub-par policy will be quickly swallowed up by the bills you’re stuck with if your insurance isn’t enough to cover you. Unfortunately, many people don’t realize that their insurance is inadequate until they need to use it. The services of our licensed insurance agents are 100 percent free for customers. So, why would you do the work yourself? At Nevada Insurance Enrollment, we help you find the right coverage for your needs at the best price available. Give us a call today to learn more about the services we provide.

Related Articles:

Why Use an Insurance Agent?

How To Get The Most Out Of Your Health Insurance Plan

Signs You Should Go See Your Doctor

Things Potentially NOT Covered By Your Health Insurance


Read More: Health Insurance in Las Vegas, Nevada


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