Can I meet with a Medicare advisor on behalf of my mom and dad?

Question

Arnett Evans · Accepted Answer

Yes. In many situations, you can meet with a Medicare advisor on behalf of your parents—or attend the meeting with them—but there are some important distinctions.

If your mom or dad is able to participate in the conversation, the simplest approach is usually for them to give permission for you to be present. This can make it much easier to discuss their doctors, medications, current coverage, and concerns.

If you need to speak with Medicare or an insurance plan on their behalf, access certain information, file an appeal, or take other actions for them, additional authorization (power of attorney) may be required. Medicare has processes for appointing a representative for claims, appeals, and complaints.

If you're meeting with an insurance agent about Medicare plans, I'd also recommend that your parents participate in the appointment whenever possible. Medicare decisions are personal, and the beneficiary ultimately needs to understand and consent to the enrollment decision.

As an adult child, you can be extremely helpful by preparing ahead of the meeting:

Current Medicare/insurance cards
List of doctors and specialists
Current medications and dosages
Preferred pharmacies
Current Medicare Advantage, Medigap, or Part D information
Questions or concerns about their current coverage

One other thing: if you're meeting with a Medicare agent, ask whether the agent is independent and which plans they represent. An agent may not represent every plan available in your parents' area.

Having a family member involved can actually make the Medicare process much easier—especially when there are multiple medications, doctors, or coverage decisions to consider.

Jose Felix Arevalo · Answer

Yes, you can absolutely meet with a Medicare advisor on behalf of your mom and dad. Many agents work directly with family members to help explain options, compare plans, and make sure everything is set up correctly.
Here’s what helps:
•	Bring their Medicare card and a list of their medications.
•	Know their doctors and any health concerns.
•	If you're helping with enrollment or making decisions, the advisor may ask for written permission or a signed form (like an Authorization to Disclose).
This kind of support is common and encouraged, especially when parents prefer someone they trust to help guide the process. Let me know if you’d like help preparing questions or documents for that meeting.

Winston Cardoso · Answer

Yes, you can meet with a Medicare advisor on your parents' behalf to research options and compare plans. If you want the advisor to look at their specific medical records, prescription history, or Medicare account, your parents just need to give verbal consent on a call or sign an authorization form. However, when it comes to actually enrolling them in a plan, you cannot sign the application for them unless you are their designated Power of Attorney. The easiest route is to do all the research and plan selection with the advisor yourself, then bring your parents in at the very end to give their approval and sign off.

Answered by Winston Cardoso on July 27, 2026

Broker Licensed in FL

Answered by Winston Cardoso Medicare Insurance Agent

Brian Cronin · Answer

Yes, you can absolutely meet with a Medicare advisor on behalf of your mom and dad. Many agents work directly with family members to help explain options, compare plans, and make sure everything is set up correctly.

Here’s what helps:

• Bring their Medicare card and a list of their medications.

• Know their doctors and any health concerns.

• If you're helping with enrollment or making decisions, the advisor may ask for written permission or a signed form (like an Authorization to Disclose).

This kind of support is common and encouraged, especially when parents prefer someone they trust to help guide the process. Let me know if you’d like help preparing questions or documents for that meeting.

Janelle Rider · Answer

Yes, you can meet with a Medicare advisor on behalf of your parents with a signed form that you are their Medicare Appointee. This form is called Appointment of Representative (Form CMS-1696). This form must be completed for each parent.

Answered by Janelle Rider on May 18, 2026

Broker Licensed in OH, IN & KY

Answered by Janelle Rider Medicare Insurance Agent

Gregg Matheny · Answer

Yes! There’s a few options with this. If you are the power of attorney over your parents, then not only could you meet an advisor on behalf of your mom and dad, but you could also enroll them into the plan of your choosing, you will have to provide verification that you are indeed the POA. OR you meet with the agent and deduce what would be the best plan for your parents, talk to your parents about the plan, verify that doctors and medications are covered, then help your parents fill out an application for that plan.

 Many brokers should have the ability to enroll people via email or online, so select the broker that you like, and let them know that you need assistance enrolling your parents and what plan you are interested in.

Vonda Peralez · Answer

Yes, you can absolutely meet with a Medicare advisor on behalf of your mom and dad 😊
Many advisors regularly work with adult children or caregivers to help guide decisions. Just keep in mind:

You can gather information, compare options, and help them make informed decisions even if you’re leading the conversation. But to enroll, your parents would need to be present or you would need a Power of Attorney for them. As an ethical agent, I require a POA if the parents are not available.

I'm always happy to meet with children helping their parents. And providing the education on the options available is available at no cost. 

Supporting parents through Medicare decisions is very common, and I am always happy to include family members in the process 👍

Kendra Siemiesz · Answer

Yes you can absolutely meet with an advisor or talk to one on the phone about your parent’s medicare benefits. If you are the POA for your parents you would need to be the one to enroll them into a plan. If you are not their official power of attorney, thats okay too, you can still discuss benefits with an advisor, but if you were to change their coverage in any way they would need to be there to enroll themselves with the agent or sign any scope of appointment forms. Ive worked with many individuals and families that have done this and if your parents need assistance you can be there with them every step of the way.

Answered by Kendra Siemiesz on November 7, 2025

Broker Licensed in FL, AL, AR & 19 other states

Answered by Kendra Siemiesz Medicare Insurance Agent

Voss Speros · Answer

Voss Speros here. Greek god of Medicare. Medicare is all Greek to you, you're in luck. I'm Greek.

So the question is, can I meet with a Medicare advisor on behalf of my mom and dad? Yes and no. Yes and no.

Yes, you can. If you're the power of attorney and you have the documentation saying you're the power of attorney, then yes, you can be the authorized representative. You can be on behalf of your parents. You can sign the application. Make sure you get the scope of appointment set up with your clients to be able to talk to them about what's going on.

The no would be if you don't have that in place. You can sit in with your folks, but they have to make the decisions. If you don't have authorization, it's tough to sit in with your folks because there's HIPAA, and not everybody's allowed to know what's going on.

So if you want to do that, do it the right way. Get the power of attorney paperwork, the financial, the health care, and get that knocked out so you can help out if, God forbid, something happens, or if you're there, hopefully you have that in place.

If you have any other questions, let us know. Be more than happy to answer for you. Have a great night.

Tony Carlton · Answer

Thank you for your question. This is a wonderful question and thank you for being willing to step-up to help your parents decide on the Medicare plan that fits them.
Short answer is YES! You most certainly can meet with a Medicare advisor on behalf of your Mom and Dad. There is one stipulation, you must be able to provide written proof as the Medicare Proxy for them, if called upon. Also, a verbal authorization is sufficient if meeting with an advisor via phone.
Now the reason that I think this a wonderful is because as our parents age, especially past age 80, their mental capacity seems to diminish. So, I tell my clients that their children, niece, nephew or someone younger who loves them should know what Medicare plan they are on and why. This is because unlike group work benefits, Medicare is customized health insurance. And the wrong choice can be very costly financially and/or healthwise.
Thanks again and God bless!

Jeffrey Brucculeri · Answer

Yes, you can certainly meet with an agent at any time to get information. However, when it comes to completing a compliant presentation and application, they would have to be present, unless you have power of attorney. If you have POA, then you can go through the process and sign the applications for them, and they don't have to be present. I run into this situation quite often.

Answered by Jeffrey Brucculeri on May 26, 2026

Agent Licensed in OK, KS, MO & TX

Answered by Jeffrey Brucculeri Medicare Insurance Agent

Steve and Sue Brauer · Answer

Hi, thank you for watching. We are the husband and wife Medicare team here to help you. I'm Sue, and I'm Steve.

So, the question we're looking at is, "Can I meet with a Medicare advisor on behalf of my mom and dad?" Well, the simple answer is yes. You can meet with us, and you can talk to us in general terms. But when it comes to enrollment or actually giving specific advice to people, it has to be the Medicare beneficiary. Unless you've got a power of attorney over mom or dad, or both, then we can speak to you directly, and you can help them enroll with us.

Pamela Masters · Answer

You can if you have a power of attorney that allows you to do so. If you do not, an advisor needs permission from them to speak with you and they have to approve the plan and also sign for the plan to enroll.

Answered by Pamela Masters on November 3, 2025

Broker Licensed in NC

Answered by Pamela Masters Medicare Insurance Agent

Jodi Gatlin · Answer

The answer is, maybe. If you have a power of attorney for your parent, you are able to meet with a Medicare advisor and make decisions on their behalf. Without that POA you are able to join them when they meet with their advisor, but they will need to be the one making decisions.

Answered by Jodi Gatlin on June 2, 2026

Broker Licensed in WA

Answered by Jodi Gatlin Medicare Insurance Agent

Ron Cronwell · Answer

Yes. you can gather information and options. But unless you have their Power of Attorney, they will need to be involved in the decision making and signature process.

Fortunately, signatures may be obtained through several means. Remote signature, inspersion, or voice authorization. 
contact a trusted local agent to help with options and methods.

Andrew Kramer · Answer

There is no such terminology as a "Medicare advisor." There are licensed health insurance agents that must be appointed in the state you live in, who also specialize in Medicare plans. They must also be appointed with the Medicare plans they represent. And of course you can meet with one on behalf of your parents, but unless you have legal authority to act on their behalf, you cannot sign them to any plan.

Answered by Andrew Kramer on November 3, 2025

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

Rukshini Sandrasegaran · Answer

Will I be able to talk with a Medicare advisor on behalf of my mom and dad? The answer is yes. You can speak on behalf of your parents as long as you have either medical power of attorney or Medicare disclosure authorization forms. These forms will be required at the time of enrollment.

Michelle Sparks · Answer

You are certainly able to meet with a broker, if your parents are present. If you are the legal representative for them, you can also meet without them, as well as make decisions on their behalf.

Kim Humphries · Answer

As long as you have power of attorney for them. Otherwise, you should be welcome to sit in on the appointments (with the Medicare advisor) so you can help them understand their Medicare options. Kim H.

Answered by Kim Humphries on May 11, 2026

Broker Licensed in FL & IN

Answered by Kim Humphries Medicare Insurance Agent

Meghan Blankenship · Answer

Yes, you can meet with a Medicare Advisor on behalf of your parents, but there are a few important steps to ensure you're authorized to do so such as: HIPPA Release /and/or Power of Attorney (POA) to name a couple.

Answered by Meghan Blankenship on November 13, 2025

Broker Licensed in FL, MD & OH

Answered by Meghan Blankenship Medicare Insurance Agent

Christopher Boyd RICP, CLTC, LTCP, APP, MAML · Answer

An insurance agent or financial advisor will require a Durable or General Power of Attorney (depending on your state) before they can discuss options for your parents. If they don't require to see this in writing, go somewhere else immediately.

Answered by Christopher Boyd RICP, CLTC, LTCP, APP, MAML on December 20, 2025

Agent Licensed in IN, KY, MI, OH, PA & TN

Answered by Christopher Boyd RICP, CLTC, LTCP, APP, MAML Medicare Insurance Agent

Bill Slaughter · Answer

Only if they have given you permission via a medical power of attorney recognized in the parent’s state of residence.

Jaye Maxx Alexander II · Answer

Yes, you can, and your parents will need to be available so that they can give permission to review the options.

Earl Beck · Answer

Yes youbcan meet with a medicare advisor on behalf of your parents. However you must have them present with you or have legal medical POA to do so.

Mike Alexander · Answer

You must have them em present or have legal POA. You can also have them request with the agent that they have given you  the right to listen in their behalf

Andre Jones · Answer

As long as you are their legally authorized   to do so. You can help them if they don't understand have memory issues etc, but you can't sign for them. Each has to complete their SOA