What does a Health Insurance Agent do?
Published 4 min read
A health insurance agent is a professional who helps people choose the right health insurance plan for their needs. They are usually well-versed in the different types of plans available and can help individuals compare and contrast the various options.
Health Insurance Agent job duties include:
- Act as a liaison between insurance companies and policyholders
- Assist clients with plan selection, enrollment, and claims
- Answer questions and resolve problems related to health insurance coverage
- Educate clients about their rights and responsibilities under their health insurance policy
- Keep abreast of changes in the health insurance industry and updates to policies
- Maintain accurate records of client interactions and transactions
- Monitor client accounts to ensure timely payment of premiums
- Process applications for new health insurance policies
- Renew existing health insurance policies
- Upsell additional products or services to clients
Health Insurance Agent Job Requirements
Most health insurance agents have at least a bachelor's degree, although some jobs may only require a high school diploma. Many agents also complete certification programs offered by professional organizations such as the National Association of Insurance Commissioners or the American Health Insurance Plans. Some states also require health insurance agents to complete continuing education courses. Many health insurance agents have previous experience working in the insurance industry, although this is not always required.
Health Insurance Agent Skills
- Empathy
- Communication
- Patience
- Attention to detail
- Organization
- Multi-tasking
- Negotiation
- Sales
- Persuasion
- Problem solving
- Critical thinking
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How to become a Health Insurance Agent
A career as a health insurance agent can be very rewarding. As a health insurance agent, you will help people obtain the coverage they need to protect themselves and their families from financial ruin in the event of an unexpected illness or injury. While the job does require some training and education, it is not as difficult as one might think to become a health insurance agent.
The first step to becoming a health insurance agent is to obtain your license. In order to do this, you must pass an examination administered by your state's department of insurance. The examination will test your knowledge of the different types of health insurance policies available, as well as your ability to explain these policies to potential customers.
Once you have obtained your license, you will need to find a job with a health insurance company. Many companies will require that you complete a training program before they will allow you to sell their policies. Once you have completed the training program, you will be able to start selling health insurance policies to customers.
The most important thing to remember when selling health insurance is that you are working with people's lives. It is important that you take the time to get to know your customers and their needs before recommending a policy. You should also make sure that you keep up with the changing laws regarding health insurance so that you can offer your customers the best possible coverage.
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