The health insurance landscape is as complicated as the Chicago Loop during construction season. It’s full of twists and turns, detours and diversions, all designed to confuse and confound the casual driver. But you don’t have to be a timid and vulnerable driver. The difference between being lost and being on point is a matter of having an up to date, concise, and understandable guide. The health insurance landscape can be negotiated with confidence by having a guide who can provide “turn by turn” directions to finding the right health insurance to meet all your needs.Insurance companies maintain much of their power by keeping the consumer confused by exclusions, limitations, and a myriad of difficult to define terms. The average consumer, trying to choose a carrier and policy, finds the challenge of understanding policy language both anxiety provoking and threatening. But there is a way to simplify the process and bring the complex landscape of insurance coverage into perspective.A qualified insurance specialist can help you through the complex language, specifications, and terms of insurance documents and policies. With a wealth of experience and training behind them, the specialist can be the difference between having over priced and unsuitable coverage and a policy that meets your needs at the best rate available. How many of us go to a automobile dealership to choose a used car without the input of a trusted mechanic? How many of us start out on a cross country trip without a roadmap? Finding health insurance, like many things in life, requires guidance and a degree of trust. Your insurance specialist can provide that guidance and, with time and commitment, answer that need for trust and confidence.Choosing your insurance specialist carefully is job one for the consumer. Be sure to review your specialist’s credentials, paying specific attention to their experience and association with a variety of insurance products. The broader the scope of their experience the better advice they can provide. But don’t expect a specialist in auto insurance to be the best advisor in health insurance. The reverse is also true-insuring your car or home is a world different from insuring the health care coverage of you and your family.The right insurance specialist for you is one that has built a career in the successful sale and administration of a variety of insurance products with a wide selection of carriers. But they are also good listeners who can help you determine your needs and priorities. You can’t get directions to get somewhere unless you know where you’re going. The right insurance specialist can listen to your concerns, the specifics of your family’s needs, and your financial capabilities with respect to how they impact your health insurance requirements. Always plan on a lengthy interview with a prospective specialist and don’t walk away until all your questions have been answered. A good specialist will be able to explain the complexities of health insurance in terms that you can understand and absorb.The right health insurance specialist will be able to calm your fears about health insurance and you’ll finally get some sleep knowing that someone who understands you, your needs, and your constraints is actively searching out health insurance solutions for you and your family. It is amazing how far you can get with the right guide who knows the lay of the land and all the short cuts to your destination. Like so many things in life-all it takes is the right guide.