5 Must-Have Questions for your Medical Insurance Agent

 5 Must-Have Questions for your Medical Insurance Agent

Regardless of whether you are starting a new job or taking care of your family’s insurance needs individually, purchasing insurance is necessary. Ensuring coverage in an emergency or accident is essential. Understanding how the benefits of having insurance and getting answers to critical questions when purchasing insurance are also vital. That includes life, auto, homeowners, and other types of insurance.

Continue reading if you are or will be working with an insurance agent for health insurance and discover the five must-ask questions for your agent.

A health insurance agent is a lot like other insurance agents. They are professionals who have been trained and will guide you through making the proper selection of health insurance for you and your family. Insurance agents work with companies or individuals.

Insurance agents are not only trained in sales of policies but they are also equipped to answer questions about your coverage. Knowing what questions to ask is as vital as purchasing a policy. Therefore, some must-ask questions for your medical insurance agent are:

1. What Benefits Are Provided With Certain Coverage?

Most agents will present shoppers with a brochure explaining coverage. However, often those charts are confusing, and the data all run together. Therefore, hearing from the agent’s mouth what benefits are provided with coverage is essential.

In addition to simply having medical insurance, you want to know specifics such as:

  • Do I get ambulatory service?
  • Is there a copay for overnight hospital stays?
  • How much is pregnancy/newborn care covered?
  • How much do I pay for prescriptions, and are all prescriptions treated equally?
  • Is preventative and wellness services covered?

Those are just some of the questions that you want your medical insurance agent to answer before making a coverage decision.

2. How Much Will I Pay?

Paying for health insurance isn’t something that people should worry about. However, millions do not have insurance because they cannot afford it, even if they have a job. Therefore, finding out how much you will pay is vital to making the purchase decision.

If you are working, premiums usually come directly from your paycheck. The benefit of purchasing insurance through your job is typically a discount because it is a group policy. Another advantage is that many jobs will pay a portion of their employees’ insurance. Additionally, payment is made through payroll deductions, so employees don’t feel the loss of income as much as they would if purchasing insurance individually.

3. Is This a Company I Can Trust With My Family’s Health?

Insurance agents will come from companies large and small some also work selling medical insurance independently. In any event, it is important to ensure that the person you are working with has your best interest at heart, and the way to know that is to ask.

While most adults have heard of large companies like Omaha Mutual, understanding that they have top-tier agents who can offer a wide variety of policies, including dental, vision, and hearing, is essential. Omaha Insurance Medicare Agents work to educate, explain details, address customers’ health and financial needs, and take care of all the paperwork for their customers.

4. Will I Need a Referral to See Specialists?

Most insurance agents will go over your options of obtaining and registering with a primary care doctor. That is the doctor that you see for most of your health needs. However, there will be times when patients need to see other doctors or specialists.

One of the most helpful questions that you need answers to is whether you will need a referral to see a specialist. A referral is written by your primary care doctor and shows that the patient needs to see a specialist. For some patients, needing a referral is a drain. However, it is worth getting a referral instead of wasting time. Showing up without a referral won’t allow you to get examined.

5. What Are My Options?

As with all types of insurance, there will be options for purchasers to select regarding coverage. Knowing what part of the policy can be mixed and matched with other components. To your surprise, you may be able to create a health program for your family that benefits your family far beyond the structured policies that your agent has put together.


As you have read, purchasing medical insurance is as essential as buying life, auto, or homeowners insurance. Understanding what you are purchasing; therefore, asking vital questions is important. If you aren’t sure what questions to ask your medical insurance agent, the five above are an excellent place to start. Pay attention to your agent’s answers and build on those questions before deciding.

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