You buy health insurance to be able to use it in your favor. However, a big part of this is having an insurance agent on your side. The agent is your main point of contact to your insurance company. It is like getting into marriage with your insurer, but in this case, there is no divorce.
The agent’s role is to provide guidance with their expert knowledge about health insurance policy. So, how do you make the most of your policy if you are dealing with a bad agent?
Health insurance is a lifetime necessity. You will want an insurance agent who will provide their assistance and guidance to the best of their ability and with your needs in mind.
The following are questions you should ask the health insurance agent to determine if he is the right one for you:
- What services do you offer in terms of post-sales?
A good agent is willing to present to your post-sales services in detail. When making claims, you particularly need your agent the most, at this time. The agent should be able to provide the necessary services whether minor of major ones.
- How do you handle things if they go wrong?
What if after 2 years, you need to file a claim, but your insurance carrier denies it? How would your agent help you to help resolve the issue. His answer will give you an idea if the agent is suitable for you or not.
- How do you usually attend to my needs as a policyholder?
While you want to avoid unfortunate situations, you want to prepare for the worst. Ask the agent what will happen if you are not satisfied with something in the policy? What if the agent takes a leave of absence and you have an urgent concern?
- What products or services do you handle?
It is better to choose an agent who specializes in health insurance only. If the agent is selling other insurance plans, there is a tendency that his mind and time gets distributed among his products as well.
- Can you give 2 customers as references?
The references the agent will provide can give you an idea how they handled their clients before especially when helping their customers in dealing with claims.
The agent you choose must be your advocate. The professional should be able to provide the best solutions to your concerns and not make the situations worse. At Dave Silver Insurance, we aim to make our client’s life easier with policies that are tailored to their needs. You can get more information about our products and services by calling our agency at (941) 907-2879. Get you quote today by CLICKING HERE.