What You Should Look for in a Health Insurance Agent

Empower Brokerage can’t stress enough the importance of getting a health insurance agent to assist you get the coverage you need. Since the health insurance industry changes every year, it’s difficult for an agent to stay on top of all the changes let alone someone who doesn’t have a career in insurance. Therefore, an agent is a valuable asset when making your healthcare decisions. However, it is important to choose a good health insurance agent. Watch the video below to know what constitutes a great agent!

#1 – Passion

First, you, the client, should look for a health insurance agent that’s passionate. Ultimately, an agent should prioritize your needs over their sale because helping you should be an agent’s primary goal. Therefore, if you feel pressured into a sale, consider getting a second opinion.

#2 – Knowledge

Secondly, you should also look for an agent that’s very knowledgeable in the field of insurance. When it comes to finding a knowledgeable agent, there are a few indications. If you are asking questions, seeking advice, and wanting plan recommendations from an agent, then your agent needs to be able to know some of the limitations and exclusions of each plan instead of merely giving the benefits of a plan. A professional agent will deliver a full-spectrum view of all the plans to ensure that a client knows their options.

For instance, while an agent may say, “These plans cover X, Y, and Z,” they should also say, “However some of the limitations of this plan would be this and this.” Based on what the client’s needs are, an agent must then know what constitutes a limitation and a benefit within every plan. There are pros and cons to every plan; therefore, a good agent must honestly disclose all the plan details so that a client can make an informed decision.

#3 – Good Listener

Lastly, a client should look for an agent that is not only passionate and knowledgeable but also a good listener. Every client is in a different situation, and as such, they require the products to fit their specific needs. Therefore, a client does not want an agent who has a scripted presentation for a prepackaged plan or an idea that they want to sell. So, an agent should help clients, who may not know how to ask the right questions, by listening and anticipating questions and then supplying thorough answers. If an agent says, “Yes, yes, yes,…” and tells you what you want to hear, then find a new agent who listens and gives you honest answers.

Since insurance is oftentimes overwhelmingly confusing, we want to shed light on this industry by answering YOUR questions.  So if you have any questions or concerns, comment below and your question may be the topic of our next video!

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