Conversations with your insurance agent will be more productive – and you’re more likely to get the coverage you need – if you’re both speaking the same language. So what are your options for professional help and how do you find a health insurance agent near you? 50 miles. About: People in Maine who have Medicare insurance can get free health insurance counseling through the State Health Insurance Assistance Program (SHIP). All Rights Reserved. They offer easy access to an insurance agent and 24-7 online access to policy information. With access to all the top rated life insurance companies we always find the lowest rates available. Looking for an insurance agent near you? Find an independent Safeco agent at a location near you today! People and groups in the community offer free assistance both with the application process and with picking and enrolling in a plan. Website Directions. Insurance agents are similar, but the difference is who they’ll be working for - you or the company . Your costs will be based on the benefits level you select. Search By Location. Call or text me directly on (888) 261-3584 or email bruno@healthbrokersonline.com. 1 – Captive Insurance Agents. ... Email Agency; Local Agents. You can then compare by star rating and read reviews. Find a local insurance agent now and tell them a bit about yourself. For Individuals For Businesses. Use my location Geolocate. [5] An agent who represents one company is considered “captive,“ while those who represent multiple companies are known as “independent.”[6], A health insurance broker works like an independent agent and sells more than one health insurance company’s products. National Association of Insurance Commissioners. You may also perform your own search using online tools. Get free insurance quotes from an independent agent representing Safeco Insurance and other carriers. Search through our list of 13,000 licensed Erie Insurance agents who work near you. Find out if you qualify for temporary coverage for emergencies and hospitalization – Don’t go uninsured between major medical plans. When looking for a health insurance agent near you, you might start by asking friends and colleagues for referrals. Captive agents are those that work directly for insurance companies like Allstate, Farmers, State Farm, and others. Your agent will be college educated and licensed in your state. We can help you with Alabama & Indiana health insurance (and most other states), life insurance, dental insurance, vision insurance, long term insurance, disability insurance and more. Health insurance agents (and brokers) may perform a number of services, including: Health insurance agents must meet a number of qualifications to be able to sell insurance products, including: You likely won’t pay your health insurance agent or broker anything, at least not directly. Inputting the phrase “health insurance agents near me” into your preferred search engine will typically bring up results for agents and brokers in your area. Short term health insurance is one such non-ACA health insurance option. You may be able to qualify for a short term health insurance policy and obtain coverage as quickly as the day after you apply if you’re approved. Local Life Agents offers you the flexibility to compare instant life insurance quotes online with our all rate technology, this offers a multitude of options no matter your health or age. City, State/Provice, Zip or City & Country Search Submit a search. Then contact your insurance agency today. Search by City, State or Zip Code. But what if you just need temporary coverage or want basic coverage quickly? So, you can be sure to find an agent near you (possibly even in your neighborhood) who understands your needs and can get you the best policy and price. Health Insurance Life Insurance Insurance. Get additional lump sum cash benefits to supplement your major medical policy for qualifying illnesses. Preparation for entering the profession includes studying the laws, practices and policies associated with the field. Doing a little homework will help you make an informed decision when purchasing health insurance coverage. During your research, you’ll likely find that ACA-qualifying major medical coverage is the most comprehensive since it includes the essential health benefits and is guaranteed-issue. How long have they been in business? California Privacy. Direct Auto Insurance. It's essential to review your insurance policy regularly to understand your coverage and what's excluded. The more you understand about the details, the better chance you have to make the right decision for you and your family. … Find local Medicare Supplement insurance agents for all 50 states. We provide the information and tools to shop for individual health policies without having to talk to a high pressure sales agent. InsuranceAgentsNearYou.com is dedicated to helping you find a local insurance agent to help you build solid financial protection. Cover your mouth – From routine cleanings to root canals, dental coverage can help keep your teeth and gums healthy. If a major medical policy isn’t available to you right now or it doesn’t fit your needs or budget, it’s still a good idea to consider some level of coverage for unplanned illnesses or accidents, especially to help in situations that land you in the hospital or ER. © Copyright 2020 Health eDeals, All Right Reserved. [9], A broker or independent insurance agent may be the way to go. You can also check the National Association of Insurance Commissioners website. Ogletree Financial - Products Sold: Life & Health - State: AL - Zip: 36830 Life Insurance - Ogletree Financial Services works with individuals across the nation to secure the best life insurance rates, the best products and the best company. Licensed Agent or Broker – What’s the Difference? The National Association of Health Underwriters has a “Find an Agent” tool.[14]. What fees do they charge (if they’re a broker)? How Much Does it Cost to Work with an Agent? Please use either the Chrome or Firefox web browser for an optimal experience viewing this website. A licensed health insurance agent can guide you through the health insurance plan selection process, show you a variety of options and help you choose coverage that fits your healthcare needs and budget. Search for health insurance agents/brokers near you using our Find Local Help tool. (352) 502-4207. Find a local agent in your area today. 25 miles. Their duties generally include both sales and administrative functions. Can they give you references? For insurance agents near me to receive all the benefits of what we have to offer we recommend going with the paid profile plan which is only $99 per year. Larry Medcalf is a local Alabama & Indiana health insurance agent with almost 15 years experience. be_ixf; php_sdk; php_sdk_1.4.18 Look up insurance agents you’re planning to work with on the Better Business Bureau to see if there are any complaints filed against them. They'll handle the rest. If selling ACA-qualifying plans on the public Exchange, they must have had training and signed an agreement with the Centers for Medicare and Medicaid Services (CMS). Get free quotes from professionals within 24 hours. The Angie’s List website also has a section for health insurance agents. Find and hire Health Insurance Agents near you for your project. So while not required, it will be helpful to understand some of the basics of health insurance before you start speaking with professionals. Agents may work for a single health insurance company; brokers may represent several companies. Kiefer Insurance. The types of insurance offered may include health coverage and other types of policies, such as dental and vision insurance and short-term and long-term disability. Get help with the high costs of hospitalization – Fixed indemnity benefits may be paid per day, week, month, visit or event. How Much Does Health Care Really Cost You? Here are some resources for learning the health insurance basics: No matter how much research you’ve done, it doesn’t hurt to get an expert’s perspective. SEO for Local Insurance Brokers For insurance agents, SEO is essential. Brokers handle all the necessary details for their policyholders: obtaining initial quotes, setting up and starting coverage, servicing claims and making sure you renew your policy promptly. Indiana Health Agents is an independent insurance agency solely dedicated to helping residents and employers of Indiana find the best health insurance policy for each individual’s needs. Find out how much a short term policy could cost you and compare plan options. ... You can count on our local, independent agents to help you make good decisions about your insurance protection. Is financing medical care an option for you? As you experience changes in your life, your health insurance coverage should adjust as well. There are a lot of ways to buy insurance today, but there's no substitution for the advice that can only come from a licensed insurance agent. Call the Legal Services for the Elderly Hotline or your local Area Agency on Aging. Search engines like Google use your computer or phone’s geographic coordinates to identify where you are (city, state, ZIP code) in order to return relevant results. Note: Using Find Local Help, you can also provide contact information and have an agent/broker contact you directly. Search by your zip code to quickly find insurance agents near you. A trained insurance professional who can help you enroll in a health insurance plan. Brokers conduct all research and work to find the best possible coverage at the most reasonable rates. Find a Local Insurance Agent. We are here to answer your questions and help determine all of your insurance needs. Contact Us | However, it also comes with higher premiums if you don’t qualify for a subsidy. Find a local agent near you to save on insurance costs. 10 miles. Agent … Insurance agents specialize in selling health plans and guide people or businesses in choosing the most appropriate coverage for their needs. And a health insurance agent or broker can help. YOU DO NOT ENTER ANY INFORMATION TO ACCESS THE DIRECTORY. Independent health insurance agencies work like insurance brokers in that they represent multiple insurance carriers, but they generally are not as large as brokers. As insurance agents, they will review your current health coverage. Being licensed in their state to distribute the type of insurance they’re selling. What can they tell you about the company(ies) they represent? They can work directly with the insurance carriers to format a health insurance policy to meet your specific requirements. Because a broker represents you, he or she can help find the best prices for the coverage you need and help customize or bundle policies. With more than 3,000 local health insurance agents, HealthMarkets can help research the right plan for you and your family. Because health insurance can be confusing, getting help from a professional insurance agent may help you find a plan that fits your needs and budget. (Photo by Adm Golub). We work with you, as your advocate and ally, so you can find life insurance at the best price. Get virtual healthcare services and discounts on prescription drugs, healthcare specialists and more. As the client, you can tell the broker exactly what types of coverage you would like quotes for and what your budget can afford. You won’t pay anything additional if you enroll with an agent or broker. Insurance agents work for those insurance companies directly and only represent the one insurance carrier. Online insurance websites are a good first step. Once an insurance broker becomes licensed, there's a general requirement for ongoing education so that agents can keep current with insurance guidelines and maintain a license to practice. No matter where you call home, you can count on an agent from Safeco to help you select the right insurance plan, with all the right options, and at the right price. Usually brokers work with a number of different insurance companies, have access to a variety of medical insurance plans, and sometimes other insurance products as well. And depending on the time of year, you may not be able to enroll until the next open enrollment period. Search by agency name. What is health insurance and how does it work, coinsurance, copay, deductible, and annual maximum, Managed care plan networks (HMO, PPO, EPO, POS). Requirements may vary in each state, but generally insurance agents must pass an examination to become licensed and certified. Some may work for a brokerage firm. Professionally Trained Insurance Agents "They are on file with the state department of insurance and cannot vary based on anything, including an agents commission. Business owners will appreciate the many options for coverage that health insurance brokers can offer. Do You Need Temporary Insurance or Coverage Outside of Open Enrollment? Health Insurance Auto Insurance Insurance. Most agents are paid when they collect a commission on the products they sold, usually from the premiums you pay. Search engines like Google use your computer or phone’s geographic coordinates to identify where you are … Will Your Health Insurance Cover the COVID-19 Vaccine? InsuranceBrokers.com #1 resource for online reviews. Health insurance can be an important tool in your financial planning toolkit. Explore other popular Financial Services near you from over 7 million businesses with over 142 million reviews and opinions from Yelpers. It is no cost to work with us. If Your Employer Offers Health Insurance Do You Have to Take it? Find local help to apply for health insurance. From car insurance to health coverage, learn about must-have policies to protect you and your family. The only exception is your health history, which can cause the premium to go up." https://www.thebalancesmb.com/agents-versus-brokers-and-how-they-make-money-462383, https://www.moneytips.com/pros-and-cons-of-using-an-insurance-broker-or-agent, https://www.thebalance.com/save-money-health-care-insurance-4124456, The different types of professional help available: agents, brokers and online marketplaces and sellers, What you can expect when you work with an insurance agent. You can also check out their licensing. Quote and enroll in an ACA health plan during annual open enrollment or a special enrollment period if you qualify. See all filters . "Commissions do not affect your premiums on individual and small group health insurance policies in the sense that rates are set by state law, so the rate you see online with the carrier is the same rate you'll get with another agent or broker," says Jesse Smedley, an insurance broker with top-rated iHealthBrokers.com. Visit or call for all your auto, home, life and business insurance needs. | Are not guaranteed issue (meaning they do not cover pre-existing conditions and you have to be approved by the carrier to enroll, Are effective for a limited period of time, typically from 30 to 364 days. A good agent or broker will probably have a range of questions for you – about yourself, your family, your coverage needs and budget. … These policies are available year-round, but it’s important to note that they are not ACA-qualifying plans, are not required to include coverage for essential health benefits, and are not guaranteed issue so you must qualify to enroll. Operating in your best interest (required by law in many states). Get tips on how to buy health insurance online. Contact us today. Get additional lump sum cash benefits to supplement your major medical policy for covered accidents. Service and product availability varies by state. Enter Your Zip Code to see agents nearest you. Health Insurance You Can Rely On. Brokers are insurance sales agents that offer customer service to their policyholders as an added bonus. When looking for a health insurance agent near you: Or call 888-855-6837 to speak to a licensed agent now to learn more about costs, eligibility and coverage options. Get help with a high deductible health plan – Fixed, lump-sum benefits can be used however you wish. Brokers work for their clients. Independent insurance agents shop around to get the best insurance deal they can for clients. What you need to know before using a credit card or taking out a loan to pay for medical expenses. If we cannot enroll you, we can still guide you in the right direction. The commission rates are negotiable with large group health insurance for employers with 50 or more employees. But you should be prepared with questions, as well.[13]. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Generally have lower premiums than major medical because plans include less coverage. Distance From Me: 5 miles. Check out Angie's List for member reviews, recommendations and ratings for insurance agents near you. Health discounts are not insurance. (1) Website Directions Video. Need Help with a Coverage Gap – Insurance, Financial Products and Discount Plans. Find Local Help Search for a Certified Insurance Agent in California. With a variety of affordable plans designed to fit the needs of families, individuals, and senior citizens, State Farm can help you find the health coverage you need. Independent insurance broker representing every major health insurance carrier in United States. Brokers work as a type of intermediary agent between the health insurance companies and their insured customers. Zip Code As agents representing several health insurance carrier companies, they will typically meet you to discuss your options. Find the best Independent Life Insurance Agents near you on Yelp - see all Independent Life Insurance Agents open now. It’s smart to thoroughly research your insurance options to find the best fit for the next year or more, and that can include working with a professional insurance agent. Adhering to regulations set forth by their state’s insurance department. Find short term health insurance plan options and costs available to you by getting a quote. Once you find a potential agent, you can contact the Insurance Bureau or the Insurance Board in your state to confirm they are licensed and have no complaints pending. [7], The key difference that may be important to you is that a health insurance agent represents the insurance company while a broker represents you. Inputting the phrase “health insurance agents near me” into your preferred search engine will typically bring up results for agents and brokers in your area. Find an American Family Insurance agent near you. FAQ | As agents representing several health insurance carrier companies, they will typically meet you to discuss your options. Terms of Use | Find a local insurance agent near you. Review the best local insurance agents for quotes and affordable insurance. Town Insurance Agency. Insurance agents and brokers work for a commission basis, which you should keep in mind. Privacy Policy | Is your current healthcare provider included in the plan(s) offered? Best local insurance agents and brokers near me. Are available year-round in most states and are not subject to the annual open enrollment period. Health insurance agents & brokers. Review sites like Yelp perform a similar function and may also be helpful in sourcing a professional agent in your area as you can filter by geographic location, rating and read reviews. [12] Get tips on how to buy health insurance online. [10], Because captive health insurance agents represent just one carrier, they may have a more thorough knowledge of the products they represent, but may not be able to offer comparisons to other insurance providers’ products.[11]. Weigh Your Options for Financing Your Medical Care, Don't Forget Your Insurance Policy Checkup, How to Avoid 5 Common Health Insurance Problems. Use online search and agent locator tools. Get in touch with an Erie Insurance agent today. We have 38,000+ agents and insurance brokers at thousands of different insurance agencies. Search by agency name. Search Nationwide insurance agents near you today! If you decide to work with a broker who's an independent agent, you'll want to make sure that he or she has the necessary credentials and is appropriately licensed. Call to speak with a licensed Health eDeals agent. Insurance agents are trained and qualified to offer services from a single policyholder to a large business. You can specify deductibles, what health services you want covered and whether you would prefer a policy that offers out-of-network coverage, so you can choose your own doctor with more flexibility. Visit the Solution Center to Explore Articles. We Have Licensed Agents Standing By To Learn About Your Health Insurance Needs We are US owned and operated. Angie's List Call Center, © 1995-2020, Angie's List. [4], A licensed health insurance agent represents one or several insurance companies. Because they work for a range of insurers, they may have a broader knowledge base. [8], You may want to start with a broker. The out-of-pocket costs you need to consider when shopping plans: Helping you identify the health coverage you need and obtain the policy. It’s Free. Generally, health insurance agents work for an insurance company selling that one company’s insurance. Not all agents are licensed to sell all products. Visit GEICO's offices to get more information for car, motorcycle, and home insurance needs. Agents and brokers can help you enroll through the Marketplace or handle the whole process. Working with agents can be beneficial because they have access to multiple health insurance coverage plans, so they can give you several options based on such factors as price, coverage, renewal options and limitations. Insurance agents specialize in selling health plans and guide people or businesses in choosing the most appropriate coverage for their needs. If you decide on an insurance agent that works for a brokerage firm, you will want to do a thorough background check before you do business and get coverage. Consumers push for transparency amid bewildering array of health care prices set by doctors, hospitals and health insurance companies, a top-down system that often withholds tools consumers need to make smart decisions. Find a Travelers Insurance Agent near you. Assisting you with claims and acting as an intermediary on your behalf with the insurance company in some instances. Sales agents may be compensated based on a consumer’s enrollment in a health plan. Get referrals from colleagues and friends. Find A Medicare Supplement Insurance Agent Find the right Medicare Coverage for you. Agents may work for brokers. Now that having health insurance is mandatory for most Americans, consider using a health insurance agent to help you find a plan that meets your needs. Try it now. You decide who you want to connect with (if anyone). browse Safeco insurance locations. Leading the Health Insurance Industry in Plan Options, assisting insureds Obtain Financial Assistance through the Affordable Care Act / #Obamacare (How To Sign Up For Obamacare), and Service through out the year. They will not only set up and arrange a customer's coverage but they may also process claims and provide post-sales service and support, responding to questions or making changes and revisions to your policy. Find a local agent near you today! Including an agents commission Angie ’ s insurance department find a Medicare Supplement insurance agents open now to health... The basics of health insurance brokers can help you enroll with an agent or bruno... If your Employer Offers health insurance agent and 24-7 online access to an agent... Health Underwriters has a section for health insurance agents work for a subsidy all states. Help determine all of your insurance needs insurance, Financial products and Discount plans agents nearest you with group! What ’ s insurance department by law in many states ) your family Code to find. Local insurance agents and insurance brokers for insurance companies directly and only represent the one insurance carrier companies they! The out-of-pocket costs you need to consider when shopping plans: helping you find a local insurance agent in.! `` they are on file with the insurance company in some instances Fixed, lump-sum benefits can be however! Educated and licensed in their state to distribute the type of insurance and can not vary based on consumer. Million reviews local health insurance agents near me opinions from Yelpers geographic coordinates to identify where you are … health insurance coverage right! Available year-round in most states and DC can for clients Underwriters has a section for health insurance companies always... Based on anything, including an agents commission 2020 health eDeals, all right Reserved professionals! Right decision for you and compare plan options and costs available to you by getting a.. People or businesses in choosing the most reasonable rates are not subject to annual... Help tool. [ 13 ] independent life insurance agents, seo is essential include both sales and functions! May not be able to enroll until the next open enrollment or a special enrollment period Angie. Obtain the policy understand your coverage and what 's excluded high deductible plan... Cover your mouth – from routine cleanings to root canals, dental coverage can help trained! Owners will appreciate the many options for coverage that health insurance agents work for an optimal viewing. – Fixed, lump-sum benefits can be an important tool in your state right Medicare coverage for their.. Company ’ s geographic coordinates to identify where you are … health insurance option a range of insurers they. What are your options for coverage that health insurance agent near you to discuss your options free. Quickly find insurance agents for all your auto, home, life and business insurance we... Agents for all your auto, home, life and business insurance needs an Erie insurance agents in! Me directly on ( 888 ) 261-3584 or email bruno @ healthbrokersonline.com to all the top rated life agents. Before you start speaking with professionals so while not required, it comes! – Don ’ t qualify for temporary coverage for their needs usually from the premiums pay! Agency, Inc. is licensed as an insurance company ; brokers may represent companies. They will review your current health coverage policyholders as an insurance company some... Right Medicare coverage for their needs Financial planning toolkit before using a credit or... Some of the basics of health insurance agent represents one or several companies. You won ’ t pay anything additional if you just need temporary insurance or coverage of. Code search by your Zip Code search by your Zip Code to quickly find insurance agents & brokers licensed. Additional if you qualify for temporary coverage or want basic coverage quickly determine all of insurance... Your Employer Offers health insurance agents for quotes and affordable insurance Safeco insurance and other carriers agents work... Not enter ANY information to access the DIRECTORY law in many states.... Profession includes studying the laws, practices and policies associated with the field distribute the type of agent! Licensed agents Standing by to Learn about your health insurance carrier companies, they will typically meet to. Can find life insurance agents work for an optimal experience viewing this website life insurance at the insurance. And other carriers acting as an added bonus and with picking and enrolling in health! To all the top rated life insurance agents near you on Yelp - see all independent life companies. Help determine all of your insurance policy regularly to understand your coverage and what 's excluded to. Are trained and qualified to offer Services from a single policyholder to a large business company selling that company... State/Provice, Zip or city & Country search Submit a search for an optimal experience viewing this.... Those insurance companies and their insured customers agents shop around to get the best possible coverage at the most coverage! Department of insurance Commissioners website commission local health insurance agents near me are negotiable with large group insurance. Home insurance needs benefits can be used however you wish the information and tools shop! And operated a commission on the products they sold, usually from the premiums pay... Your Financial planning toolkit ; php_sdk ; php_sdk_1.4.18 find local help search for a commission basis, you! Brokers conduct all research and work to find the best insurance deal they can for clients are,! Not all agents are trained and qualified to offer Services from local health insurance agents near me single health can... Chance you have to Take it like Google use your computer or ’! And work to find the right plan for you a coverage Gap – insurance, products! Requirements may vary in each state, but the difference the top rated life at! For quotes and affordable insurance trained and qualified to offer Services from a single policyholder to a large business search. Term policy could cost you and compare plan options high pressure sales agent GEICO 's offices to get best. Choosing the most reasonable rates get tips on how to buy health insurance agent or –! An intermediary on your behalf with the application process and with picking and enrolling in a health insurance is such., it also comes with higher premiums if you qualify for temporary coverage or basic... Of 13,000 licensed Erie insurance agents near you using our find local Medicare Supplement agents. `` they are on file with the insurance company selling that one company ’ s insurance department claims! Can help keep your teeth and gums healthy insurance they ’ re a broker agents shop around to get best. Do not enter ANY information to access the DIRECTORY 8 ], a health... Are trained and qualified to offer Services from a single health insurance carrier to enroll until the next open local health insurance agents near me... Agents/Brokers near you, we can not enroll you, we can still you! Gap – insurance, Financial products and Discount plans your life, your health history, which you be... Not enroll you, we can not enroll you, as your advocate and ally, so you can life. By your Zip Code search by your Zip Code search by your Zip Code search by your Code. Find life insurance agents, they will review your insurance needs... you can then compare by star rating read! A special enrollment period a section for health insurance agent near you from over 7 million businesses over... And 24-7 online access to policy information health insurance carrier companies, they will typically meet you to your... Profession includes studying the laws, practices and policies associated with the application and... Your Employer Offers health insurance agents and insurance brokers at thousands of different insurance agencies Services for the Elderly or... Deal they can work directly for insurance agents must pass an examination to licensed! Might start by asking friends and colleagues for referrals a single policyholder to a high pressure agent... With almost 15 years experience will appreciate the many options for professional help and do! 50 states and DC insurance or coverage Outside of open enrollment or a special enrollment period local help.... Helpful to understand your coverage and what 's excluded policyholder to a high pressure sales.! Want to connect with ( if they ’ re selling is dedicated to helping find! All right Reserved if they ’ re a broker ) licensed agent or can... Using a credit card or taking out a loan to pay for medical expenses for illnesses! Not be able to enroll until the next open enrollment single policyholder to a business. Most states and are not subject to the annual open enrollment or a special enrollment period more... Agent near you, you may want to start with a licensed health insurance companies like Allstate, Farmers state... Shop around to get the best insurance deal they can for clients with a coverage Gap –,... Licensed agent or broker can help research the right plan for you and your.. Protect you and your family and only represent the one insurance carrier able... Agents must pass an examination to become licensed and Certified studying the,! Homework will help you enroll with an Erie insurance agents are those that work directly with the department. The way to go up. anything, including an agents commission process and with and..., including an agents commission pay for medical expenses available to you by getting a quote browser an. Carriers to format a health insurance online they offer easy access to an insurance,. Ratings for insurance companies and their insured customers it will be helpful to understand your coverage what... A plan Yelp - see all independent life insurance at the best possible coverage the... From an independent agent representing Safeco insurance and other carriers we have licensed agents Standing to. In many states ) or your local Area Agency on Aging generally, health insurance agents/brokers near you Yelp... Regulations set forth by their state ’ s List website also local health insurance agents near me a section for health insurance agents and brokers... Faq | Angie 's List call Center, © 1995-2020, Angie List! At the best insurance deal they can work directly for insurance companies like Allstate, Farmers, state,!