What Are the Benefits of a Licensed Insurance Agent?
Tailored advice and recommendations for your specific health needs may save you money
Reviewed by: Stephanie Demus, Licensed Insurance Agent.
Health insurance agents can help you compare a broad range of plans from different carriers. A carrier may be limited only to product options you have with them.
There are many details to Medicare, and agents can help you break down the pros and cons to tailor your options.
You can save a lot of time, and at no cost, comparing plans and receiving the benefit of professional counsel that understands maximizing available benefits.
Health insurance agents provide many benefits. A licensed insurance agent initiates research, selection, transaction, and management of your plan. The best part is they do this work for you at no cost. You get total confidence in your benefits while you save time with free counsel.
If you want to shop for health insurance on your own, it can get tricky. A licensed insurance agent knows how to compare plans to meet your needs and budget.
Skillful health insurance agents compare many plan types for your unique needs. They present the best options after learning your insurance goals. At GoHealth, our licensed insurance agents’ job is to find the plan you need at the cost you want.
A few examples of the questions an agent may ask include:
- Are you buying health insurance for the first time?
- What is your budget?
- How often do you go to the doctor?
- Do you see specialists?
- Are you currently taking any medications?
A few questions you will want to ask the agent include:
- Does the coverage allow me to see specific doctors?
- Are their procedures or offices that may affect the cost of premiums if used?
- How do I know if I qualify for programs or subsidies to lower monthly costs?
If you’re unsure about whether to expand your coverage, ask your agent. They can explain how different benefits work when you have unexpected health issues.
Your answers help inform custom plan recommendations for your budget and medical needs. The agent will present the plan options and answer any questions. Also, they help explain different health insurance plan types (HMO, PPO, etc.). If you have questions about monthly costs or out of pocket fees, they have those answers, too.
Like a personal shopper, a licensed health insurance agent has only your needs in mind, and they are knowledgeable of industry changes. Best of all, they do all the research for you and present it to you in a way that you can understand. They also take the time to guide you through the process of choosing a plan, so there is no need to sign up for health insurance or Medicare alone.
Health care plans
Health insurance agents compare different carrier plans. You get more choices because your agent isn’t limited to a single insurance carrier. A broad view of options, and side by side comparison, makes it easier to find a plan that meets your needs.
All GoHealth licensed agents receive ongoing training and pass a rigorous licensing process. Our licensed agents are always available to answer questions and assess your coverage.
You can receive benefits counsel from a licensed GoHealth insurance agent at no cost. Also, you are not obligated to enroll in a plan after speaking with our licensed insurance agent.
The questions you ask will help you understand costs and what to expect. Making a selection for a monthly premium or coverage alone may not be the best long term decision. Networks or extra coverage could cost you more in the long run.
Cheap health insurance
There’s no such thing as cheap health insurance, but a licensed insurance agent is an excellent place to start to find value. A GoHealth licensed insurance agent may help you save money, and the advice never adds to your plan’s cost. We have additional information to learn about your health insurance and health costs.
When you’re ready to enroll for the first time or assess your benefits, seek an established company for help. You know what you want, and a senior-focused company will be familiar with what you need. A beneficial partnership can lead to benefits and coverage perfect for you.
At GoHealth, licensed insurance agents are available to assist you at no cost. Our telecare teams help members stay on track with benefits, claims and appointments.
How does a health insurance agent get paid?
GoHealth licensed insurance agents do not make money from how much you spend on health insurance. Using a GoHealth licensed insurance agent to enroll in a plan will never make the plan’s cost more expensive.
How can I contact a GoHealth agent?
You can speak with a licensed insurance agent Monday to Friday. GoHealth licensed insurance agents available from 7 a.m. to 8 p.m. (CT); contact us by phone at 1-855-792-0088 TTY: 771, or connect with us online at our website Gohealth.com.
Should I buy health insurance through an agent or online?
Most big decisions come with a list of pros and cons. Enrolling in Medicare is no different. You have the option to join Medicare online with the Social Security Administration.  If you have questions about the enrollment process or your plan’s benefits, some help could be useful. If time is a factor, a GoHealth licensed insurance agent can save you time and deliver insight. They can help you through the enrollment process step by step.
Enrolling online or using a licensed health insurance agent is up to you. If you’re confident in your plan and the enrollment process, online may be the most comfortable option. But know that a GoHealth licensed insurance agent has answers for you at no cost.