Health Insurance - Buy direct through your agent

Health Insurance - Buy direct through your agent

Buy direct to save money on your health insurance is practically a myth. More and more there are ads on television and radio that brings potential customers to believe that they save by buying directly from an insurance company. In most cases, the insurance company is actually trying to make more money rather than save money.

Health insurance premiums are regulated by state insurance departments. This ensures that all consumers are treated equally. Whether you plan to purchase directly from the insurance company or buy from an agent, the price must be the same, provided that the plans are listed with the same data, such as industry, age, number of persons to be insured .

So why would the insurance to create this kind of illusion? The insurance company that sells directly to more profits to policyholders. The insured does not pay over and above the price policy for an agent. An agent is paid by the insurance company in the form of a commission. The committee has already been figured into the premium amount, if you choose to buy from an agent or directly from the insurance company, you pay the same premium.

Having an agent could be a huge advantage. An agent's job is to provide guidance and assistance for your insurance needs. Health insurance is very important and complex. All plans are not created equal. Policies are usually written in legal terms that most people are not accustomed to reading. Let health insurance agent help you better understand exactly what they are buying to protect you from financial burden.

Basic services such as claims and policy changes are likely to be much faster run through an agent. Rather than wait for hours waiting to have a correct credit error, ask your agent to help with the situation. Probably, the agent is done with less time and effort invested on your part.

You put money in the community to get an agent rather than directly. The commission will be paid to someone, whether the insurance company or agent of the community is taking the decision.

That always chooses the option to buy health insurance, the price for an exact policy should be the same.