Buying Health Insurance: Why You Should Use An Agent

Health insurance…


Everyone needs it, but how do you know what’s best? Who has the time to try and figure out what deductible is best, will that plan cover my prescriptions? Is my doctor in the network?? What IS a network!? The list goes on an on. Sure, you could call the insurance company direct and wait on hold for 30 minutes or more before getting to a representative that MAY help you decide, but who has the time for that? So what’s the solution? Simple. Your local insurance agent! But doesn’t that cost extra? Absolutely NOT! At least not at Schwegman Insurance.


Our motto, and #1 priority here is to make health insurance easy and understandable. When you walk out of our office, we want you to say, “well that was easy.” So what can we do for you?

1. YOU are our #1 priority! We will sit down with you and lay out all of the possible options. Overwhelming? Maybe, if you were looking at it yourself, but that’s what we are here for! We will quickly go through and rule out all plans that will not work for you, get down to two or three options and then let you decide for yourself what would be best. After all, it is your life and your money. We will never make the decision for you, but we are EXCELLENT at giving advise! Once the decision has been made, we will help you with the application, submit it for you, AND keep and eye on it so you don’t have to worry if it made it to the health insurance company or not.

2. Claims. What if you have a bill that you don’t quite understand? Bring it in, let us look at it! What if you the insurance company didn’t pay for something you thought should have been covered? Give us a call, we will call the health insurance company with you and speak on your behalf! With your permission of course. The main point is, you DO NOT have to deal with the hassle of calling the insurance company yourself if you don’t want to. If you chose to go direct, you will ALWAYS have to call, wait on hold, and deal with the insurance company.

3. The Marketplace. Most people cringe when they hear “Obama Care” or “The Marketplace.” It sort of has a bad reputation for being complicated. Luckily, we have it all figured out! First of all, we will help you decide if the Marketplace is something you should consider or not, or if you even qualify for a tax credit. If we can save you money, we will!! If you go direct, the representative may help you do the same, however if you do qualify and would like to apply on the Marketplace, you have to figure that one out for yourself. If you come see us, we will help you create a login, and actually go through the application process with you. IT’S THAT EASY! 


The bottom line is, don’t give yourself a headache trying to figure out health insurance yourself. Let us do the work for you! And what’s the best part??



Give us a call today!! 918-336-1800

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