I actually don't believe buying health insurance online is a good idea. If you go online and complete the information request you will receive quotes on a multitude of plans from Platinum to Silver, Gold and Bronze from many carriers including HMOs, PPOs and HSAs.
In California that could be 50-75 different options.
I believe working with a licensed and certified health insurance agent who can walk you through the options, ask you important questions about how you use health care and assist you is a much better idea.
Working with an agent also does not cost you any money. Same plans and rates online or working with an independent health insurance agent.
Insurance Concierge, M&G Insurance, Lake Oswego Oregon
I agree with Barry on this one, especially since there is not cost to the consumer to use an agent. You will not pay extra in your insurance premium if you choose to use an agent in the process. All insurance rates are set by the insurance commissioner in each state and can not be changed to include a fee for using an agent. Some agents may choose to charge a fee, instead of taking the insurance commission offered by the insurance company for their services, but they may not take both.
So feel free to get some free advice, education and knowledge on these complicated and changing insurance plans. If you don't you may end up on a plan that does not include your doctor because your Doctor told you he "takes" that insurance...when in reality he only is on one of the insurance companies networks, not all 3. Use the knowledge of an educated health insurance agent to make an informed decision on your health insurance...it's one of the most important decisions you will make to protect your family.
I believe the same with Life Insurance. Make sure to glean from an educated life insurance agent before making a "wrong" choice. There are so many new options out there that bare further review such a the Indexed Universal Life Insurance plans where you can accumulate cash with a good rate of return and no downside risk of the market.
Gaining knowledge is always a good thing...ask the experts!
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In California that could be 50-75 different options.
I believe working with a licensed and certified health insurance agent who can walk you through the options, ask you important questions about how you use health care and assist you is a much better idea.
Working with an agent also does not cost you any money. Same plans and rates online or working with an independent health insurance agent.
So feel free to get some free advice, education and knowledge on these complicated and changing insurance plans. If you don't you may end up on a plan that does not include your doctor because your Doctor told you he "takes" that insurance...when in reality he only is on one of the insurance companies networks, not all 3. Use the knowledge of an educated health insurance agent to make an informed decision on your health insurance...it's one of the most important decisions you will make to protect your family.
I believe the same with Life Insurance. Make sure to glean from an educated life insurance agent before making a "wrong" choice. There are so many new options out there that bare further review such a the Indexed Universal Life Insurance plans where you can accumulate cash with a good rate of return and no downside risk of the market.
Gaining knowledge is always a good thing...ask the experts!