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GoHealthInsurance: Six Questions to Ask a Health Insurance Agent

Shopping for health insurance can be overwhelming without help and advice from a licensed insurance agent. Agents are a great source of information and can highlight specifics for a particular plan or carrier.

Once consumers understand the basics of health insurance, they should then refer to an agent for personal questions.

Individuals should consider asking an agent the following:

1. Why should I get health insurance if I'm healthy?

If you are unsure about purchasing a health insurance policy or why you would benefit, talk to an agent. An agent will help you understand the importance of good health coverage.

2. What out-of-pocket expenses will I incur for getting surgery, filling prescriptions, and visiting the hospital, emergency room and doctor?

Know what payments you are responsible for -- it will be extremely helpful when utilizing health care services and help you make smart decisions.

3. Will my family doctor be covered with this health insurance plan?

If you have a family or primary care physician that you prefer to visit, make sure they are covered in the plan network.

4. What A.M. Best rating does this insurer have? Does the company have a track record of good customer service and processing claims?

A.M. is a global agency that rates health insurance companies on their solvency and grades insurers on how fast and well they process claims. Companies with better ratings may provide a better customer service experience.

5. Does this plan cover maternity, vision and dental coverage?

Agents will help determine what benefits you need and find a plan that fits those needs.

6. Will prescriptions that I'm already taking be covered under a plan and how much will be covered?

Talk to your agent about any medications that you are currently taking. The agent will be able to tell you if they are covered by a plan and how much they will cost.

About GoHealthInsurance

GoHealth.com is the most complete health insurance quotes resource online and has helped more than 2 million Americans obtain coverage. Consumers use the GoHealth.com platform to research, compare, and purchase coverage from the nation's top insurance companies using online technology, by phone, and through a nationwide network of trusted advisors.