This post offers a few quick tips to find a health insurance agent in Arizona.
Why do you need to find a health insurance agent in Arizona?
Purchasing health insurance in Arizona can be a challenging process, especially if this is the first time you have purchased coverage. Having an agent help you navigate the process can make a big difference. An agent can help you understand your options, find the right plan and provider for your needs, and assist you through the application process.
Agent vs. broker
When you begin the health insurance purchasing process, you may come across terms like agent and broker. While you might assume that the terms are interchangeable, they actually have very specific roles in the insurance process.
- Broker – A health insurance broker is a person who is not directly employed by any health insurance company. Brokers are self-employed individuals who are paid a commission for any policies they sell.
- Agent – A health insurance agent, on the other hand, is usually employed by a specific health insurance company and is therefore bound to their specific policies.
In other words, brokers are independent operators who sell policies from multiple companies, while agents are employed agents whose primary function is to sell one company’s products.
How to find a health insurance agent in AZ?
When searching for a health insurance agent in Arizona, start by asking your friends and family members if they have any recommendations.
You can also use online resources like Yelp or Google to find a health insurance agent in your area. These tools allow you to see reviews from other customers and can help you find an agent near you.
Finally, a great way to find an experienced agent that you can trust is to search our directory of verified health insurance experts in Arizona.
Why you should use a broker when buying health insurance?
Health insurance can be complicated, and for many people, it is very difficult to understand the different plans available and what is covered. Using a broker can help you navigate these challenges and find the right policy for your needs and your budget.
At the core, the role of both an agent and a broker is to help you navigate your health insurance options and find the best company and plan for your needs. But they can do much more.
Brokers and agents can also help you apply for coverage, follow up with your application, and provide customer service and help in case of a claim. There is no additional cost for using an agent or broker.
We recommend using an independent broker if you want to compare the features of the many health insurance companies in Arizona. A broker can often find the best health policy for your situation and the best price among all the insurance companies.
How to find the right health insurance agent in AZ?
Once you have found a few agents who you think would be a good fit, you can use these tips to find the right one for you.
As mentioned above, be sure to check out our directory of licensed health insurance brokers in Arizona. This is a great place to find a health insurance agent you can trust.
Ask for references – References can help you understand how other customers feel about an agent and how they work.
You can also check online review sites like Yelp and Google.
There are also associations like the National Association of Health Underwriters and the Health Insurance Consultant Association that certify members and have strict standards of conduct.
Conclusion
Health insurance can be complicated, and using an independent broker can help you navigate these challenges and find the right policy for your needs and your budget.
