A Peek Inside: Working With A Local Agent
Why use a local agent when looking at Medicare or Health Insurance options?
You can hardly turn on the TV or open your computer without seeing numerous celebrities or actors promoting various health coverage benefits that you might be missing. However, when you're directed to a call center, things can take a turn for the worse.
Deciding on Medicare and health insurance requires careful thought, planning, and research. It's crucial to work with someone familiar with the options available in your county and state. A local, licensed agent can conduct the necessary research to ensure your prescription drugs are covered and your doctors and healthcare facilities are within the network of the plan you’re considering.
While it might be tempting and convenient to simply pick up the phone and contact a call center, especially during the pandemic when a phone consultation may be safer than an in-person meeting, local agents can offer both options. Additionally, consider who will be available to assist you with questions regarding unexpected medical bills or claim denials. Your local agent is more than just an order taker; they serve as your advocate and a regular resource for all your questions.
We often witness the unfortunate consequences when consumers end up with the wrong health plan. For instance, prescription drug prices can become prohibitively expensive if no one has conducted the necessary research. A crucial specialist might not be part of the network, preventing the client from seeing a doctor who has treated them for years. We spend a significant amount of time helping people navigate out of these situations, and doing a bit more work upfront can save individuals time and money regarding their healthcare.
Would you consult an orthopedic doctor for stomach problems? Would you hire a divorce lawyer for an automobile accident? Of course not, and the same principle applies to insurance. Some agents specialize in life insurance, annuities, long-term care, disability, accident insurance, home insurance, and automobile insurance, to name a few. It is essential to find an agent who specializes in Medicare and health insurance because this field, like others, has many nuances related to co-pays, deductibles, networks, and more. Work with a local professional who is experienced in finding the health plan that meets your specific needs and budget.