It might not be apparent, but you’d be surprised how many people can live healthy, fulfilling lives thanks to the hard work of insurance agents. Insurance agencies look at their clients’ unique circumstances and suggest coverage options that address each client’s problems while saving them money concurrently. But what kinds of clients do insurance agents deal with, and how do they assist them?
Here’s a summary of 5 types of client insurance agents help frequently.
1. Business Owners
Have you ever heard of employer group insurance? It refers to insurance plans that are designed to help businesses safeguard the health and well-being of their staff. Insurance agents help business owners select group insurance plans that provide adequate coverage for their employees without taking from the company’s bottom line. They also advise business owners on how to use employer group insurance to reduce their corporate tax payments.
In simpler words, business owners who consult an insurance agency before taking out employer group insurance are well-positioned to improve their company’s profitability through cost savings and improved staff productivity.
2. Parents
It’s common for parents to safeguard their kids’ mental, physical, and emotional development by taking out health insurance plans. But how do parents select a plan that fits their budget and provides adequate coverage for their kids? That’s where insurance agents come in.
Insurance agents help parents understand various types of children’s medical insurance policies. They explain how health insurance programs like Medicaid and CHIP work and advise parents on how to select an insurance plan that’ll prove beneficial based on their kids’ conditions.
For instance, suppose you want to help your child overcome a psychological disorder. If you contact an insurance agency, they’ll let you know which plans cover psychiatric evaluations and behavioral disorder tests.
3. International Students
Did you know international students and their dependents on J-1 and J-2 visas must hold valid medical insurance for the duration of their study program? Unfortunately, most international college students don’t know how US health insurance policies work. Moreover, most international students are limited to working a maximum of 20 hours per week while studying here. This leaves them with a limited budget to pay for medical insurance, making it vital to select the right plan with the help of an insurance agent.
Insurance agents help international students understand how US health insurance policies work. They also help students select a plan that has the right balance of monthly premiums and out-of-pocket costs. This is important because international students with existing medical conditions that require frequent trips to the doctor are better off taking out an insurance plan that has high premiums and low out-of-pocket costs. Why? Because they’ll find themselves paying out-of-pocket often.
Conversely, international students who don’t expect to go to the doctor often are better off taking out a plan with low premiums and high out-of-pocket costs to keep their overall health insurance expenditure low.
4. People with Special Needs
Another group of people insurance agents help often are people with special needs. According to the federally operated health insurance exchange HealthCare.gov, there are numerous medical insurance plans for those with special needs such as SSI and SSDI. Each plan has its own set of benefits and unique application processes that can prove difficult to understand for the average joe.
That’s where insurance agents come into the picture. They assist people with special needs and their families to understand the provisions of various health insurance plans so they can select one that fits their budget and unique requirements. They also take care of the application process and handle all the paperwork to make the process of applying for special needs health insurance plans as seamless as possible.
5. Senior Citizens
Senior citizens are typically impacted by frequent physical health issues more than other age groups. This is why they’re among the most common types of clients insurance agents assist.
In the US, individuals who are 65 years or older can opt to follow Medicare or take out private health insurance. Insurance agents help seniors decide between the various programs available based on factors like the cost of each program and whether it provides coverage for specific ailments.
Covered California Certified Agent Helps All Kinds of Clients Choose Insurance Plans That Work For Them
Whether you’re a parent looking for health insurance for your child or a senior citizen wondering whether it’s worth switching medical insurance providers, our insurance agents at Covered California Certified Agent are ready to assist you.
We’re an insurance agency in California that provides comprehensive advice on everything from dental insurance services to employer group insurance. From providing clients with accurate quotes to helping them apply for their chosen insurance plans, we do it all.
Call us now by dialing 800-771-7653 to consult one of our insurance agents in California.