Do I have to pay extra to use a local Medicare Licensed Insurance agent?

Question

Mike Alexander · Accepted Answer

No all agents are compemsated by the carriers it is illegal for an agent to charge a fee gir his services

Daniel Brechin · Answer

You should not pay the agent anything.  It is not proper to do that and all Medicare Agent should know that.

Danny Brechin 
Contact me.

William Lawler · Answer

There is no extra charge for enlisting the help of a local Independent Medicare licensed insurance broker/agent. Independent broker/agents offer their services to you at no charge. These broker/agents are compensated by the insurance companies. Because these broker/agents represent most insurance companies that pay the same commission, it does not matter to these broker/agents which company you enroll in.

Answered by William Lawler on April 27, 2026

Broker Licensed in MO, FL, IA & 12 other states

Answered by William Lawler Medicare Insurance Agent

Ann Sanfelippo · Answer

No — you typically do not pay anything extra to use a licensed Medicare agent. Agents are paid a commission by the insurance company, not by you, and the premium is the same whether you enroll through an agent or directly.

A good agent can help you compare plans, check your doctors and medications, and guide you through enrollment at no cost. Just make sure the agent is licensed and represents multiple carriers, so you’re getting unbiased options.

Edward MacConnell · Answer

You should never have to pay a licensed, qualified and certified Medicare broker, local or not. A local one will be more familiar with plans and importantly care choices where you lve than one who is not local.

Answered by Edward MacConnell on April 13, 2026

Broker Licensed in PA, AK, AZ & 19 other states

Answered by Edward MacConnell Medicare Insurance Agent

James Hale · Answer

You do not have to pay anything at all to work with a local, Medicare-licensed insurance agent.

Here’s why it’s free:

Medicare rules do not allow licensed agents to charge you a fee for helping with Medicare Advantage, Medigap, or Part D plans. The insurance companies pay the agent directly (through commissions set by Medicare). Your monthly premium and the benefits you receive stay exactly the same whether you enroll directly with the insurance company or through an agent.

Using a good local agent is often the smartest and easiest way to compare plans and enroll. They can explain your options in plain English, answer your questions, and help you choose the plan that fits your needs, all at no cost to you.

Michael McGarrigle · Answer

No—you don’t pay anything extra to work with a local Medicare agent.

The insurance companies pay agents, whether you go through an agent or enroll directly yourself. So you’re getting guidance, help comparing plans, and ongoing support at no additional cost.

That’s why I always tell people—take advantage of it. It’s a lot easier to have someone walk you through your options and be there if questions come up later.

Savannah Rose · Answer

No, there are never any fees with working with an independent broker. The insurance company pays us to take care of you.

Pauline Weiland · Answer

There should be no cost to talk to your local Medicare Insurance agent. They would risk losing their license.

Bruce Kaserman · Answer

No you do not have to pay extra to use a Local Medicare Licensed Insurance agent. The Medicare Insurance carrier pays the broker or agent their commission. However, there are services that the broker or Agent can offer besides Medicare planning. Check out each Broker or Agent's website to learn more

Answered by Bruce Kaserman on June 1, 2026

Broker Licensed in VA, FL, MD & NC, NJ, NY & PA

Answered by Bruce Kaserman Medicare Insurance Agent

Jennifer Kalbach · Answer

Medicare Insurance Agents are paid commission from the carrier.  You should never have to pay a local agent to help you.

Michael Kim · Answer

Medicare Insurance Brokers like myself don't charge for our services. So feel free to contact me, and I will help you.

Amy Jones · Answer

A licensed insurance agent should not charge you to give you advice, information, or a quote, regardless of their location.

Lori Crivelli · Answer

There is no cost to use a Licensed Insurance Agent to assist you with your Medicare needs.  Licensed Agents are paid by the insurance carrier a commission.

Bridget Joseph · Answer

You do not pay any extra to work with a local Medicare licensed insurance agent. In most cases, agents are compensated by the insurance companies, so their services come at no direct cost to you. Your plan premium is the same whether you enroll on your own or with the help of an agent—so you can benefit from expert guidance and support without paying additional fees.

Answered by Bridget Joseph on April 9, 2026

Agent Licensed in OH, FL, KY, SC, VA & WI

Answered by Bridget Joseph Medicare Insurance Agent

Sara Leonatti · Answer

No, no costs or fees to work with a trusted agent. All of my services are free of charge and no obligation.

Patricia Korth · Answer

No. No extra charge but need to have a valid election period. If you have any type of agent you will need to change plans in order to change agents

Do I have to pay extra to use a local Medicare Licensed Insurance agent?

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Do I have to pay extra to use a local Medicare Licensed Insurance agent?

Agents: Share Your Expertise

Seniors: Ask a Question of Your Own

Related Questions

Agent Locator

Medicare Agents HubA non-government resource website

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A non-government resource website