Ask which plans and insurance companies the agent can represent, how they are paid, and why a recommended plan fits your needs. Also ask whether your doctors, hospitals, prescriptions, and preferred pharmacies are covered.
Useful questions include what you could pay in a high use year, whether referrals or prior authorization are common, what happens when you travel, and which important alternatives were not included in the comparison. For Medicare or Marketplace coverage, ask about enrollment deadlines and future plan review.
Bring a current medication list, preferred providers, and a realistic budget to the conversation. Do not enroll until you understand the premium, deductible, network, prescription coverage, and main limitations of the plan.
Get additional insights from licensed health insurance agents
The number one question to ask is "What is this plan's max-out-of-pocket?" Too often agents sell "indemnity plans" masked as health insurance and clients don't fully understand the difference. We get insurance to make sure we don't go bankrupt if something big happens. Make sure you know what your maximum financial exposure would be on the plan you decide.
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