Health insurance agents operate in a demanding environment marked by administrative burdens, fragmented data systems, and evolving regulatory requirements. Many firms still rely on spreadsheets or disconnected legacy tools to manage client records, policy renewals, and commission tracking. As a result, many insurance companies are rife with inefficiencies, inconsistent service delivery, and missed opportunities in general.
To help with such problems, health insurance companies can use another type of software—CRMs. A CRM (Customer Relationship Management) is a specialized platform that centralizes all data related to clients. This alone can be a game changer for many health insurance companies as they can now organize and store all their data, including its context, within a safe, accessible space.
However, that’s not all: CRMs can also automate workflows, reducing manual workload for employees and reducing the chances of human error. With these time saving features, health insurance companies can tackle all their objectives at a greater speed.
There is one caveat to CRMs—there are quite a lot of options. The market is saturated with all kinds of CRMs that fulfill one niche or the other, which is great, but also confusing when you’re trying to narrow down your options. To help you separate the wheat from the chaff, we’ve come up with a list that has some of the best CRMs for all kinds of industries such as health insurance.
Company | Best for | Main Features | Pricing |
Pipedrive | Small Firms |
| Starts at $19/seat/month |
HubSpot | Growing agencies |
| Starts with a free option |
Zoho CRM | Medium sized companies |
| Starts at $20/user/month |
Salesforce | Large companies |
| Starts at $350/user/month |
Insureio | Specialization |
| Starts at $25/user/month |
AgencyBloc | Insurance Specific Solutions |
| Customized Pricing |
Pipedrive CRM is a platform that’s designed for small teams and individuals. It’s used for a wide variety of purposes including health insurance, offering contact management features that allow agents to track leads and manage client interactions. Its automation also helps in sending automatic follow-ups, ensuring that customers receive insurance renewal reminders on time and agents do not miss out on additional revenue.
Standout Features
- Cloud-Based Contact Management: Offers a cloud-based contact management solution where agents can monitor each stage of the sales process, all from a dashboard
- Omnichannel Communication: With this, insurance agents can manage different types of communication from one platform
- Integrations: To further centralize operations, Pipedrive provides integrations with third party software (e.g.: Slack notifications) so that every agent has everything on their desk
Pricing
Pipedrive offers four pricing plans:
- Lite - $19/seat/month
- Growth - $34/seat/month
- Premium - $64/seat/month
- Ultimate - $89/seat/month
The platform also offers a 14-day free trial.
Disclaimer: The pricing is subject to change.
Pipedrive Pros And Cons
Pros
- Ability to create templates for emails
- Integrates with popular apps like Gmail
- All kinds of users find it easy to use, even non-technical ones
Cons
- Doesn’t have native email campaign tools and relies on integrations for them
- Delivers unclear reporting at times
HubSpot CRM software is a popular choice for CRMs and for a good reason—it offers a free option (for 2 users) alongside relatively inexpensive pricing and still provides a feature rich platform. Health insurance agents in particular can make use of its lead distribution and security features. In addition, HubSpot is also very scalable, meaning that health insurance agencies can upgrade to premium versions with more advanced features.
Standout Features
- Automations: Allows insurance agents to automate tasks such as customer service, giving them faster response time
- Segmentation: Provides a way to segment customers into categories such as gender, location, buyer stage, etc.
- Data Security: Protects sensitive data with security measures such as encryption, advanced authentication, etc.
Pricing
HubSpot offers a free option alongside premium pricing plans. The free option is ideal for startups or independent brokers. Meanwhile, the premium pricing plans are geared towards growing agencies; beginning with the Starter Customer Platform that’s priced at $15/month/seat.
Disclaimer: The pricing is subject to change.
HubSpot Pros And Cons
Pros
- Time consuming tasks can be automated
- Centralizes all communications
- Forms and workflows improve lead management
Cons
- Reporting can lack clarity, according to some users
- Sales forecasting does not provide thorough customization
Zoho CRM software is another solid option for small to mid-sized companies as it provides a solution with extensive features, while keeping it affordable. With the help of automation and other time saving features like Lead Management and Process Management, agencies can increase the quality of their service without overworking themselves.
Standout Features
- AI Sales Assistant: Includes a virtual assistant that helps users stay on top of their tasks
- Multiple Policies: Handles multiple policies for different insurance categories with the help of conditional fields and multi-page layouts
- Mobile App: With the inclusion of the mobile app, agents can access data anywhere, anytime
Pricing
Zoho CRM offers four pricing tiers:
- Standard - $20/user/month
- Professional - $35/user/month
- Enterprise - $50/user/month
- Ultimate - $65/user/month
It also offers a 15-day free trial.
Disclaimer: The pricing is subject to change.
Zoho CRM Pros And Cons
Pros
- Core features make it easy to interact with customers
- Provides a great deal of insights for leads, such as its origin
- Multiple integrations for a variety of functions such as finance
Cons
- Can be overwhelming for new users
- According to some users, customer support can vary
Salesforce is a CRM platform that provides different kinds of solutions for large companies. For health insurance, it provides Salesforce Health Cloud, a solution geared towards health insurance agents. With Salesforce, agents can automate activities like documentation, managing claims, etc. On top of that, they can also make use of predictive analytics, helping with actions such as proactive interaction.
Standout Features
- Integrated Care Management: Provides patients with flexible care plans that account for social determinants and assessments
- Intelligent Document Automation: Streamlines all health document intake and processing
- Data Cloud: Provides a holistic view of all patient’s health with clinical and non-clinical factors within a real-time profile
Pricing
Salesforce Health Cloud offers the following price tiers:
- Health Cloud Enterprise - $350/user/month
- Health Cloud Unlimited - $525/user/month
- Health Cloud Agentforce 1 for Service - $750/user/month
- Health Cloud Agentforce 1 for Sales - $750/user/month
Disclaimer: The pricing is subject to change.
Salesforce Pros And Cons
Pros
- Highly customizable, meaning that it can meet the needs of multiple departments
- Well-designed user interface with distinguishable colors
- Extensive functionality and compatibility
Cons
- Customer support could be more responsive
- Manual documentation can be time consuming more than it should be
Insureio is a CRM that’s designed specifically for life and health insurance agents. Because of this, it offers built-in features to tackle all kinds of insurance headaches (such as paperwork) that generic CRMs cannot. Its inherent simplicity also makes it an attractive option for smaller health insurance agencies and individual agents who are looking to get started without any hassle.
Unique Insureio Features
- Automated Lead Workflow Management: Utilizes custom status types and rules to build workflows that trigger automated emails, call reminders, etc.
- Application Fulfillment: Simplifies information processing with the help of 40 leading carriers, e-Tickets, and electronic application forms
- Pre-Built Email Marketing Templates: Provides templates that have already been tested on a subscriber list of 60,000 names
Pricing
Insureio provides 4 pricing plans, alongside a free trial option that lasts for 30 days. The pricing plans are:
- Basic - $25/month
- Marketing - $50/month
- Agency Management - $50/month
- Marketing And Agency Management - $75/month
Disclaimer: The pricing is subject to change.
Insureio Pros And Cons
Pros
- Built for the health insurance industry, so agents don’t have to reinvent workflows
- Transitions smoothly from initiative to policy
- Reliable support for medium sized teams as well as solo agents
Cons
- It’s narrow focus on health insurance means that it’s not great for other insurance brokers
- User interface may not as modern as other popular solutions like Hubspot
AgencyBloc AMS+ is an agency management solution/CRM. Like Insureio, it’s built for life and health insurance agencies, specifically those that want an insurance specific solution instead of a general-purpose CRM. AgencyBloc also caters to health insurance carriers, helping them extend their distribution channel, thus providing greater visibility.
Unique AgencyBloc Features
- Policy Management: Manages different insurance policies for individuals and groups, helping agents receive the correct amount for each policy
- Electronic Compliance Management: Helps insurance agencies stay compliant with the help of pre-built compliance documents, automated document storages and more
- Reporting And Analytics: With the help of customizable reports builder and dashboard analytics, agencies can gain insights for important metrics such as commissions, market trends, etc.
Pricing
AgencyBloc has several pricing plans for its three solutions. For its AMS solution—a.k.a., the one used by insurance agencies—it offers the following pricing plans:
- Grow - customized pricing
- Accelerate - customized pricing
- Elevate - customized pricing
Disclaimer: The pricing is subject to change.
AgencyBloc Pros And Cons
Pros
- Web based platform that allows users to access it anywhere
- Centralizes everything within one platform
- User friendly design
Cons
- No faxing capabilities
- Requires upfront labor and time to transfer existing data from older programs
While this may sound like a bit of a cop-out, there is no software that fits every single insurance agency. It’s your job to look through all the CRMs out there and figure out which software is best for you.
All the software we’ve listed so far are best for a certain type of company. However, that’s not the entire story. Many software have their various quirks and drawbacks that make them suitable for one thing and unsuitable for another. For instance, Hubspot’s free option makes it a great contender for solo insurance agents. But what if you were part of a seasoned agency and are looking for something more? Then you’d be better off with CRMs like AgencyBloc.
Ultimately, the best choice is contingent on your needs, biases and overall situation.