Health.Gov Will Not Take Zip Code Shows Up Two Counties California Health Insurance – Independent Health Life Agent Verses Insurance Company In House Agent

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California Health Insurance – Independent Health Life Agent Verses Insurance Company In House Agent

You’ve completed an online form requesting a free health insurance quote and moments later you’re inundated with phone calls from insurance agents hoping to get your business. Try not to get overwhelmed or upset by these “bad salespeople” because they are not telemarketers. Most of them are well-trained state-licensed professionals who can really help you make a good decision about which health plan is best and cheapest for your individual or group coverage needs.

You may be under the misconception that if you buy your health plan directly from the insurance company, and cut out the “middle man”, you will save money. This is absolutely not the case. In fact, insurance companies rely on agents for most of their business and that is why they pay them commissions for bringing in customers. It won’t cost a consumer a penny more to use a licensed California health insurance agent to get their insurance coverage.

There are many differences between health insurance in California and other states including how it is applied.

For example, while Blue Cross and Blue Shield are one company in other states, here in California, each is separated and applied individually as Anthem Blue Cross of California and Blue Shield of California.

California’s health insurance law AB 1672 is a development of the federal HIPAA law that covers all states it includes the following regarding group coverage in California:

1. Individuals with pre-existing medical conditions may switch to a new group health plan without an exclusion period.

2. It allows small businesses and professional organizations to have access to health plans if they have between 2 and 50 full time employees.

3. It prevents the insurance rate from increasing after a claim is filed.

4. Employees with health problems may change jobs or health plans without being rated higher for those with pre-existing conditions.

That said, the best health insurance agent for your individual and business needs is an “Independent Agent.” Why? Because it represents multiple insurance carriers, not just one. An independent agent can help you choose the most cost-effective plan that offers the most bang for your buck as available from the major carriers, rather than just feeding you a line of options. company health plan that may not suit your particular needs. Many people are too complacent and satisfied with what their current insurance company is offering. They can use a good independent agent to count the many plans available from many insurance carriers to find and provide the best option.

Another misunderstanding you may have is that insurance agents set the premium rates for the health insurance plans they sell. Figured if you shop around you might be able to get a better price for the same plan. Premium rates are based on your age, zip code or county where you live and are completely controlled by insurance companies. Every agent uses the exact same rate guidelines set by the insurance companies. Your health condition can affect your premium, which can be rated after the insurance company’s underwriting department reviews your medical records. Again, the insurance company, not the agent, determines the outcome.

Now, let’s talk about the benefits of having a good insurance agent to represent you. Most consumers do not know or understand the benefits a health plan offers and it takes the skills of an agent to explain the benefits to them fully. For example, do you know the difference between an “out-of-pocket maximum” and an “annual deductible?”

The out of pocket maximum is the most you pay in a year for the deductible and coinsurance for covered benefits before your insurance starts paying 100% of most costs until the end of the year.

The annual deductible is usually the amount you pay each year before your health plan starts paying anything for covered services. Generally, the higher the deductible, the lower the premium. Certain services such as prescription drugs have separate deductibles. Plans can vary and sometimes benefits start before you meet the deductible.

A knowledgeable health insurance agent can be a guide through the maze and help you choose the right plan to meet your needs and budget while getting the most benefits for your dollar spent. An agent will also explain how the benefits of a generic prescription may differ from the benefits for a brand prescription in a particular plan.

After you set up a health plan, a good, attentive agent will remind you to pay your premium on time so that the insurance company doesn’t cancel you. Your agent can also be a great resource for help if you’re having trouble getting health insurance. Instead of waiting on the insurance company’s 800 number for thirty to forty-five minutes, call your agent and explain your problem and if you choose the right agent, you can get help and save yourself a lot of time. and frustration, maybe even some money by having an expert in your corner who has your best interests first.

So the next time you or someone you know, fill out one of the online forms for a health insurance quote and you’ll receive several phone calls from insurance agents in the health that your business wants, appreciate that a professional wants to help you choose freely. in the right plan and you will have an important friend for life.

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