In the age of the internet anyone can go and buy an insurance plan without speaking to an agent or a broker but is this really a good idea?
Insurance is complicated and without proper training it is virtually impossible to understand all of the policies and how they work. An agent helps you understand exactly what you are getting with a policy and how it works as well as any exclusions.
With the uncertainty of the Affordable Care Act and what Congress is or is not going to do, it is more important than ever to not try and do this by yourself.
All agents are not the same. Some agents only work for one carrier and will only give you options with that carrier. That means there might be other options out there that would be better but you will never hear about those from these types of agents. These are also called “captive” agents.
Other agents are actually brokers. They work for you. You do not pay them and they can shop around for a plan from many different carriers and can build a custom plan for you that fits your budget and healthcare needs. This is the type of agent that you want to go with when shopping for insurance.
The bottom line is don’t try to do this alone. Know what you are getting with the help of a licensed agent. To get free quotes from a broker fill out this brief form today.
There is a lot of confusion and uncertainty with what is happening in Washington with the Affordable Care Act and Health Reform. Everyone needs to understand that so far, nothing has changed.
So what does that mean for everyday Americans?
Open Enrollment starts on November 1st and will run through December 15th (some specific state exchanges have extended their deadlines). In the past, consumers have had three to six months, this year is only 45 days. That means there is less time for you to talk with an experienced professional to find out what your options are and what the best fit is for your budget and needs.
The frustrating part of the Affordable Care Act is that it is truly difficult to find plans that are affordable in many cases. Affordable plans are out there, but it often takes an Agent to find those plans for you and explain how they work. Often, it means bundling several plan pieces together to form a comprehensive plan at an actual affordable rate.
Yes, affordable healthcare is actually possible. Please click the following link to book a consultation during open enrollment. Remember, it is only 45 days this year so these time slots will book quickly! If you are currently without insurance and need something before 2018 go ahead and get a free quote today!
Book Your Free Appointment Now