Getting NC health insurance can be a confusing process.
Not only do you have to figure out how much coverage you and your family needs but you have to sort through the hundreds of health plans to find the one that fits.
This takes time and energy, both of which you could be spending on something much more enjoyable than researching health plans.
Luckily you won't have to do it alone.
A qualified health insurance agent can help you sort through your options to find the perfect fit for you, your family and your budget.
Finding a NC health insurance agent is much easier than actually finding a good insurance plan.
The first step you should take is to consult with people in your social network to get recommendations.
A personal referral is always better than using the yellow pages because you can ask questions about their experience.
If no one in your network knows of an agent try asking your health care provider for referrals.
The internet is also a great place to find names of agents specializing in North Carolina health insurance.
Whomever you talk with the most important thing is to make sure they are knowledgeable about health insurance plans in North Carolina.
The last thing I would want is someone from California telling me about my options in North Carolina.
The next step is to do some research on the agent.
As noted before, you want to make sure they specialize in health insurance NC plans.
You want someone who knows the local insurance companies and can guide you towards choosing the best one for you.
Once you've got a few names, do a search for them on the internet to see if there are any reviews about them.
Also want to check that they are in good standing and properly licensed with the Department of Insurance.
NC Health insurance agents are paid directly by the insurance company for selling their plan so it will cost you nothing to work with one; in fact you cannot get a better rate by going direct to the carrier.
Do a telephone interview to get a feel for the agent and whether or not you would enjoy working with them.
This process should also give you a good understanding of their market and product knowledge.
A good agent will work with you like a consultant and not a salesperson.
You will be interacting with this person for many years and so it is best to find someone you enjoy working with and that you feel has your best interest in mind.