health-insurance-agent

The Benefits Of Hiring A Health Insurance Agent

Health insurance agents help people, just like you, navigate complex insurance options. Paperwork, exclusions, and inclusions make understanding what’s included in your insurance frustrating and confusing.

A health insurance agent helps make all of these complications trivial.

In fact, you’ll benefit from hiring an agent in many ways, including but not limited to the following:

5 Benefits of Hiring a Health Insurance Agent

1. Coverage for Price Considerations

Insurance companies make coverage options complex and difficult to understand. You might sign up for a more expensive plan while receiving fewer benefits than with a cheaper plan.

When you work with an agent, they’ll ensure that you maximize your coverage.

For example, if you can only pay $100 a month for insurance, the agent will work to find the absolute best plan in this price range so that your money goes as far as possible. Your agent will also have a better understanding of your healthcare needs and will find a plan that includes the coverage you need.

2. Local Insurance Knowledge

If you’re a business owner looking for insurance options for your small business, an agent is an invaluable asset to have by your side. Local agents:

  • Understand your business and its unique needs
  • Work with insurers that know your business and offer custom insurance options

Local insurance knowledge is ideal for business owners because the agent already has connections in the industry that can help.

3. Clear Options Presented to You

Insurance agents know that insurance is very complicated. When you work with an agent, they’ll spend the time to make coverage as transparent as possible. The agent will provide you with:

  • Multiple insurance options that fit into your budget
  • Transparent costs and coverage options

With so many insurance options available, agents make getting health insurance as simple as possible. Of course, you’ll still have many choices to make, but when they’re all presented to you clearly, it’s easier to find a perfect plan.

4. Personalized Service

Your agent provides personalized service that includes asking questions and getting answers from insurance companies. Since these professionals already have contacts at many insurance companies, they’ll rapidly narrow down your insurance options while offering a personalized service that can save you time and money.

5. Save Yourself Time

Finally, you’ll save yourself a lot of time when working with an agent. You won’t have to scour through dozens of plans, ask questions to insurers or do anything else. Instead, you only need to work with a single agent that handles all of these nuances for you.

Your agent is your point of contact, and since you hire them to find a plan for you, all you need to do is sit and wait for them to get back to you with plan options that you make prefer.

If you need health insurance and want to maximize your coverage while also paying the best price, hire a health insurance agent. These professionals know how to navigate complex insurance plans and make them simple to understand.

Humana

A Brief Overview of Humana Health Insurance

HumanaHumana Health Insurance is one of the most popular options for businesses that offer health insurance options to their employers. Group and small business insurance options are available, with unique offers that are personalized to meet the needs of employers.

Traditional group plans include the following:

Medical Plans

Humana’s medical plans offer options built to meet the needs of employees and business owners. All plans come with:

• Go365 wellness

• Doctor on demand

• Preventative care

• Full-service, mail-delivery pharmacy

Employers can choose between multiple plans: Canopy, Simplicity, HDHP, Efficiency and more. Plans have a wide range of options, which include varying deductible ranges, health savings accounts, spending account options and copayments.

There are plans to match the health and age of your workforce, too.

If your workforce is younger and healthier, their plan will look significantly different than a plan for older workers who may have greater healthcare needs. Affordable self-funding options are also available.

Plans are available for businesses with fewer than or more than 100 employees.

Level-funded premiums offer affordable solutions to small businesses that have to overcome the challenge of healthcare costs.

Dental Plans

Much like the medical plans offered by Humana, there are dental plans that allow employees to visit any dentist, have dental work performed and fit into the budget of employers. Prepaid dental health maintenance options are also available in select states.

Vision Plans

Vision plans are available, with a nationwide set of practitioners ready to assist. Plans offer great options of $0 to $10 for preventative eye exams, free diabetic eye exams and many options for low-cost frames, too.

Material-only plans are available that pay for contacts and glasses but do not offer eye exam benefits.

Personalize and Enhance Plans

Employers can also choose to enhance the plans and options available to their workers. A few of the additions that can be added include:

• Group life insurance. Life insurance policies can be added to health insurance options that allow employers to provide these benefits to their employees in the event of their death.

• Group Medicare. Add Medicare Part A, B or D to a plan to improve the health of retirees, too.

• Go365. Offer rewards to employees that work hard to stay healthy. For example, verified workouts or getting the flu shot are healthy options that offer rewards to employees.

• Employee assistance programs. The EAP program offers support and guidance on any core issues that can take up the time and attention of your employees.

Humana Health Insurance has multiple affordable opportunities for employers to begin offering group plans that meet the needs of their workforce. Group plans take a whole-person approach to health, including eye and dental care as well as wellness incentives.

In today’s competitive workforce, offering the best in personalization can keep employees happy and healthy while attracting top-tier talent. Additionally, personalizing Humana Health Insurance to meet employee health and wellness needs is crucial when trying to retain staff.

Contact us today to learn how we can help you find the best health insurance options.

 

The Best Insurance Companies Heading Into 2022

Health insurance coverage in 2020 reached 91.4%, yet 28 million people didn’t have insurance. Whether you’re just getting your insurance or are shopping around for a new provider, it’s crucial to consider the best insurance companies before looking to the lesser-known insurers.

3 Best Insurance Companies Going Into 2022

1. Blue Cross Blue Shield

Blue Cross Blue Shield is rated amongst the best insurance companies, and they offer the unique value of an extensive network. In addition, the complaint index shows that the insurer has 50% less complaints than the average, so policyholders are content with the service they receive.

However, plans are often more expensive through Blue Cross Blue Shield than other insurance providers.

A few of the perks of offering or obtaining a policy through the company are:

• Available in all 50 states

• Plans are well-rated

• Policyholders have access to an extensive network

HMOs, EPOs and PPOs are all available through Blue Cross Blue Shield. One of the main complaints that policyholders have is that processing wait times are long, and contacting customer service is a hassle.

2. UnitedHealthcare

UnitedHealthcare is an insurer with impeccable financial strength and a wealth of digital tools that can help improve health care for policyholders. Additionally, UnitedHealthcare provides comprehensive solutions to policyholders through a series of add-on benefits.

For example, most plans offer the following:

• Wellness programs

• Low-cost prescriptions

• Primary care for free

Add on packages and options fill in insurance gaps with dental, disability and vision coverage options available.

One of the downsides of having a policy with the insurer is that they have a complaint index that is 50% higher than average. However, the in-depth app does help policyholders avoid potential issues by offering easy ways to estimate costs, compare doctors and maximize the benefits of your plan.

3. Anthem

Anthem is an insurer that caters to younger adults. The company is part of the Blue Cross Blue Shield company, so they have access to a massive list of providers. Due to the insurer working with younger, healthier policyholders, they can offer:

• Lower costs

• Access to a wide network of providers

However, the insurance company also has a high denial rate for claims. If your workforce or you’re an individual that is younger, Anthem is a good option. With that said, if a policyholder has routine medical issues or may need surgery, the higher denial rate of Anthem makes them a less desirable company.

Additionally, the appeal process with Anthem is long and complicated.

While these companies all offer exceptional insurance options, some are better than others depending on your unique needs. For example, some are optimal for younger workforces while others are better suited for workforces.

Some of the other insurers that offer great insurance options but did not make it on our list, include:

• Aetna

• Cigna

• Humana

• Oscar

While no insurance company is perfect and without complaints, the companies above are some of the best rated in 2022.

If you’re looking for the best insurance companies for your business and employees, we can help.

Click here to learn how we help make choosing a health insurance provider easier.

 

insurance as a young person

4 Reasons You Still Need Health Insurance Even If You’re Young and Healthy

Health insurance isn’t usually at the top of your must-have list when you’re young, healthy, and just starting your adult life. But it should be.

Health insurance gives you peace of mind that if you’re injured or sick, a trip to the doctor or hospital won’t bankrupt you.

If you’re still on the fence about buying medical insurance, here are four other reasons you still need health insurance, even if you’re young and healthy.

1. Accidents Can and Do Happen – And They Can be Expensive

You can’t predict the future. Accidents can happen anytime, whether it’s a car accident, fall or sports injury.

According to data from the Centers for Disease Control and Prevention, accidents account for 45% of deaths of people aged 20-24. However, injuries are far more common, and they can be costly.

Without health insurance, you’ll be left to foot the bill if you’re hurt in an accident. The mean cost of hospital stays in 2016 was $11,700, and prices have increased over the last five years. Unfortunately, few people are financially prepared for such high costs of care.

2. Insurance Plans Can Help You Stay Healthy

Health insurance isn’t only there for when you’re sick or injured. Many preventive services are also covered by insurance, thanks to the Affordable Care Act (ACA).

Routine screenings and checkups may identify health issues early on, allowing you to take action before they progress into something more serious. Regular screenings and health exams can help detect:

  • High blood pressure
  • Prediabetes
  • Colon cancer
  • Lung cancer
  • High cholesterol
  • Depression, and more

Having health insurance when you’re young and healthy can help you stay young and healthy.

3. Insurance May Be More Affordable Than You Think

Many young adults put off buying health insurance because they assume they can’t afford it. Right now, you’re just getting started in life, and you may already be stretching your budget thin.

However, health insurance may be more affordable than you think, especially if you truly are healthy. Additionally, tax credits and subsidies can help lower premium or out-of-pocket costs.

4. You Have Peace of Mind That You’re Covered

When you’re young and healthy, it’s hard to imagine being sick or injured. But it can happen. Having health insurance will give you peace of mind that if the worst should happen, you’re covered.

A simple broken leg or a multi-day stay at the hospital can cost thousands of dollars without health insurance. Without insurance coverage, you could find yourself responsible for paying the entire bill out of pocket.

Data shows that 66.5% of bankruptcies in the U.S. are because of medical bills. More than 500,000 families file for bankruptcy each year because they cannot afford the cost of medical care. Having health insurance can help prevent this worst-case scenario, and may help protect your financial future should you be faced with a medical emergency.

Even if you’re young and healthy, you never know what tomorrow holds. Illness can strike at any time. Without health insurance, you may find yourself struggling to cover the cost of treatment.

 

 

 

 

 

Full-Service Insurance Agency ClaimLinx

How A Health Insurance Agent Can Help You Find the Best Plan for You

Ohio residents pay an average of $471 a month for their health insurance if they’re 40 years old. When you go through the marketplace or exchange, you’re at the mercy of an algorithm that uses a few base questions to show you the options that you have available. A health insurance agent in Ohio can work with you on a deeper level to find the right plan for you.

How a Health Insurance Agent Can Help You Find the Best Plan for You

Help Navigate Marketplace Plans

Marketplace plans are available that may best suit your needs. An insurance agent can help you browse through these plans and explain the options that you have available to you. Since the agent’s services come at no cost to you, the information they provide can be invaluable.

Alert You to Non-marketplace Plans

The marketplace is just one avenue where you can search for plans. Sometimes, the best plans are not listed on the marketplace. The insurance agent will assist you in finding these plans so that you have a clear picture of the healthcare options that are available to you.

Assist You with Subsidy Plans

Subsidies may be available to you, and a health insurance agent will be able to:

• Recommend subsidies that may fit your needs

• Assist you in applying for these plans

• Lower your out-of-pocket expenses

Most states allow agents to access plans so that they can provide the best options to their customers.

The agent can help you both apply for these subsidies and may enroll you into these plans to save you significant time in the process.

Advocate on Your Behalf

When you sign up for a plan, you’re often left alone and have no one to help you the following year. However, an agent can work as your advocate year after year so that when open enrollment comes around or there’s a major life change that you go through, the agent can help you find the best plans available.

Additionally, they can:

• Ask questions about benefits

• Walk you through the claim process

Learn and Understand Your Needs

Your needs are unique, and when you go through the marketplace, your needs are often not considered in the same way that an insurance agent can offer. An insurance agent will work to understand your unique needs so that they can:

• Narrow down plan options

• Eliminate plans that won’t work for you

• Find only the best insurance options available for your needs

Often, the insurance agent will assist you in finding the plan that matches your needs and budget. However, when you sign up for the marketplace and don’t work with an agent, you’re missing out on potential plans that may offer you better coverage and benefits.

Ohio’s health insurance costs are expensive, but you need coverage to ensure that if a medical emergency does occur, you’ll receive the care you need most. Health insurance agents in Ohio can help you find a plan that best fits your unique needs and budget. They’ll even help you work through subsidies that can save you money.