Did you know that when you hire an insurance agent, they have a duty to put your best interest before their own or even the insurance company’s? An insurance agent works for you. This is why it is better to purchase Philadelphia individual health insurance through an agent rather than directly from the insurance company. Insurance Shops wants to help you choose the best plan for you and your family.
Advantages to Using an Agent
Imagine hiring a person to review various health insurance options, read the fine print, understand the coverages, and break down the financial aspects of each one. It may sound too good to be true, but that is the role of an insurance agent. Understanding which individual health insurance plan is best for you is no easy task to take on by yourself.
Reasons to purchase individual health insurance may include:
- Self-employment
- No group plan offered by employer
- Spouses and/or dependents not covered by group plan
- Premiums of group plan are too high
Regardless of the reason for purchasing Philadelphia individual health insurance, using the agents from Insurance Shops is the most beneficial method of shopping for plans.
Benefits of using an agent include:
- Better Pricing. While it may seem counterintuitive that using a third party would be more cost effective, it’s actually true! Insurance companies tend to provide lower premiums to agents because they are specially trained to find their customers the best policy for their needs. Thus, the insureds are less likely to be under insured, which decreases the amount of unnecessary claims. And remember, it costs you nothing to use an agent’s services!
- Personalized Service. Not many people enjoy calling a number just to hear an automated voice telling you to press numbers, say things out loud, and repeat yourself, all to be transferred without getting your questions answered. On the flip side, agents are easily reachable, and many times answer questions after hours by personal email or phone. They will take the time to educate the consumer and explain different coverages.
- Built-In Advocate. Even after you purchase your insurance plan, your agent will continue to act as your advocate when dealing with the insurance company. They will also help you update your coverage after big life changes.
The agents at Insurance Shops are also licensed to sell ObamaCare health insurance plans. The Open Enrollment period begins November 1 of this year and ends on January 31, 2017. You can avoid a financial penalty of $695 per adult and $347.50 per child (maximum of $2085 per family) by enrolling in a health plan before it’s too late. If you miss open enrollment, you may qualify for “special enrollment” periods throughout the year.
Purchase Your Philadelphia Individual Health Insurance Through Insurance Shops
Don’t be overwhelmed by plans and coverage options while shopping for individual health insurance in Philadelphia. Instead, contact the professionals at Insurance Shops, who will offer advice based on your needs and provide you with quotes before you buy anything.
Don’t wait to contact us – we’re here to assist you navigate through the world of health insurance!
