How can I select the right healthcare company and representative to work with?

Question

Gregg Matheny · Accepted Answer

A good representative Will usually be very easy to spot ( Medicare agents hub ). If you End up finding someone that you trust then the carrier that you go with becomes Not as important. I have several clients and I can speak from experience in saying that putting them all on the same“good” plan Is not the right thing to do. Every individual is different, And a good representative should match up your needs with a plan that’s best for you.

Answered by Gregg Matheny on March 30, 2025

Agent Licensed in AZ & UT

Answered by Gregg Matheny Medicare Insurance Agent

Gary Church · Answer

This will depend on where you live. Choosing the right company comes down to your access to medical services. Do you live in a metropolitan or rural area? Do you want to manage your own health care or leave it to the insurance company? Do you have family or friends on Medicare who can recommend a licensed Medicare agent? How do you feel about the agent you met with?

Answered by Gary Church on September 14, 2025

Broker Licensed in Ca, AZ, NV & TX

Answered by Gary Church Medicare Insurance Agent

Steve and Sue Brauer · Answer

Hi, thanks for watching. The question is, how can you select the right healthcare company and representative to work with? Well, there's only one way to do it in my eyes. You need to find an independent Medicare advisor or broker that only does Medicare. The reason for that is you can't be an expert at everything. You have to kind of pick your lane and get really good at it. As far as the right healthcare provider, that is something you need to talk to your advisor about. There's a lot of companies and a lot of different options and a lot of ways to go. So lean on them for their expertise, make sure they're independent, and make sure they only do Medicare.

Mike Alexander · Answer

Several things to consider
On the Health plan you should look at many Factors
1) look at thr Star ratings of the Plan, I would pick a plan that has less than 3 stars with Cms
    The star ratings tell you if the plan has adequate benefits, and provides good client service
2) Make sure you Know the difference between an Advantage plan and traditional Medicare with   
     A Medi gap plan, There is a huge positive to Traditional Medicare.
3)  How long has the plan been in business in your area, Stay away from New plans with less than 3 years in the market you are in.
4)  Never answer a tele marketing call about medicare, only call a trusted advisor
5)  on an Advantage plan, make sure you call your doctors and ask them what Hmo, & Ppo plans they accept and check on the plans formulary.
6)  only use an independent Advisor, who works for you and not the insurance company, that way you get the plan that will work for you
7)  make sure your advisor does a needs assessment,  and not just pitch you plans he wants to sell
8)  Make sure you are dealing with a seasoned advisor who has at least 5 + years in the business
9) Ask the advisor for references from their clients
10) Do not answer random calls, its illegal for someone to call you without you 1st requesting the call

Mark Bilgere · Answer

My advice is to not select the company first. Find a local broker that represents all of the major carriers in your area. Discuss with them your individual situation and explore the available options. Then select the solutions that will work best for you.

Answered by Mark Bilgere on December 19, 2025

Broker Licensed in TX, AR, IN & LA, MN, NE & OK

Answered by Mark Bilgere Medicare Insurance Agent

Daniel Brechin · Answer

I believe that experience is the best determining factor to chose an agent.
I have been a licensed agent since 1995.
I have owned a property & casualty agency.  I soon discovered I did not want to be a general insurance sales.  I had started writing Life and Medicare.  In 1998.  Sold my P&C agency for a profit.
Then I worked full time with UnitedHealth care.  In 2000 I went to work with HealthSpring as a manager of 15 agents.
In 2018.  I took retirement.  In 2019 I wanted to work and started Daniel Brechin Agency.    I have grown to 500+ clients.   I work with 7 major Medicare plans,   Included with BCBSAL, Healthspring,  UnitedHealth Care,  and Devoted.    
I help retire with Annuities and represent 3 major companies 

Daniel Brechin 
Contact me.

Lt Col Tim Brown · Answer

Choose someone like myself with 37 years in the business, multiple companies and word of mouth reputation.

Terri Reagin · Answer

LOCAL is the way to go when it comes to choosing a representative to work with. There really is no better way to establish trust or ask the hard questions than looking someone in the eye and reading what their local neighbors have to say about them on google and other social media resources.

Answered by Terri Reagin on August 5, 2025

Broker Licensed in OK, AR, CO & 6 other states

Answered by Terri Reagin Medicare Insurance Agent

Christopher Boyd · Answer

What is easiest and most convenient today, most likely will not be in the future. I highly recommend you find a local agent you and your children can meet with every year as you age through retirement. 

Medicare sometimes makes big changes as do Part D Drug plans and/or Medicare Advantage Plams: such as networks, formularies, cost sharing, deductibles, etc.  I have met many clients who made the mistake of getting insurance over the phone (Medicare Advantage, Medicare Supplement, Life insurance,  etc) and later learned they did not have what they were told they were buying over the phone. 

Good, old-fashioned face-to-face, is the best way to negotiate your retirement planning. Do not think your children are too busy to sit with you and the agent, make time for everyone. That may mean an evening or Saturday appointment with your insurance agent and children. 

Unfortunately, when a senior falls sick with strokes, hip fractures, heart attacks, etc, their children are forced to get involved and often have NO idea which plan their parents have and which doctors or hospitals are in the network. This also frequently happens while traveling out of state, again, networks can become problematic in these instances.

Ann Sanfelippo · Answer

To choose the right healthcare company and representative, look for a licensed, Medicare agent who represents multiple carriers. They should review your doctors, prescriptions, and budget to recommend the best plan for your unique needs.

Answered by Ann Sanfelippo on October 8, 2025

Broker Licensed in FL, AL, AZ & 14 other states

Answered by Ann Sanfelippo Medicare Insurance Agent

Pamela Masters · Answer

Let’s first address the representative. If you feel the agent has done a thorough job of showing you what is available and giving you all the information you need as well as checked doctors, hospitals, pharmacies and medications, that is the first step. I also feel it is importantly that you like your agent and have rapport with them. As your agent shows you the available plans they can help you decide what company and plan fits your needs and desires the best. 
You can also google reviews of a plan or go to Medicare.gov to see the plan ratings. Your agent can also share that information with you as well.

Charise Karjala · Answer

How can I select the right healthcare company and representative to work with? I would say, first of all, find somebody who represents more than one company. Otherwise, you're dealing with a sales agent, and that's it. The person's job is to sell you a policy from that insurance company, whether it's United Healthcare, HealthNet, Humana, SCAN, Alignment, Aetna, CVS, or whoever. Their job is to sell you, regardless of your needs. How many of these people are gonna say, "You know what? I represent Joe Blow Medicare Company, and I don't think you need to be with us"? They're not gonna tell you that.

So, find a broker that represents at least five to seven companies. Those five to seven companies should probably have 50 or 60 different plans, including Medicare supplemental policies. Have them take you through the discipline of a needs analysis. Then, you'll know what your needs are, and you can match up policies that go along with those needs.

We've all had lots of shocking information this last year about United Healthcare and terrible things that are happening, leaving people angry. I don't want that for you. One way you can find out if your insurance company, per se Medicare Advantage company, is gonna be difficult to deal with is by looking at star ratings. A star rating of 4.5 or above is more than likely gonna lead to a fairly good fit for most people's needs in terms of accessibility, available resources, affordability, infection rates, mortality rates, etc.

So, use the star ratings. Although they're a looking-backwards perspective, if they've been successful the last ten years, then they're probably gonna continue to be. Run away from companies that have a 2.5 or a 3.0 star rating because they haven't even met the metrics that Medicare requires of them to keep their plan in action.

So, there's a few things to guide you. Find somebody like me who can assist you in navigating your needs. Look for five or six companies that they represent, do the field work, and you'll be happy. And guess what? You can change next year if you need to.

Lynn C Shurtleff · Answer

Find an honest one, not one that acts and sounds like a salesman.   There are a few of us out here.  Talk to your friends and family too and ask who they use.

Clarence &quot;Mark&quot; Christiansen · Answer

Find a local agent. Call that person. Ask how long in business and whether or not health insurance is the primary focus. Ask if the agent is independent and which companies he / she represents. Go see the rep in person, sit down, explain your situation and see what kind of advice you are getting. Easy / peazy!

Answered by Clarence "Mark" Christiansen on May 17, 2025

Agent Licensed in WI, AZ, CA & 16 other states

Answered by Clarence "Mark" Christiansen Medicare Insurance Agent

Steven Lovell · Answer

Your choice of the right representative is really a personal decision. How you click with them, their responsivenss to your questions and your overall gut feeling about them. As far as the right healthcare company, you need to make sure that it fits within your budget and your doctors accept it m. You need to get a good plan, specifically a plan G if you're referring to a medicare supplement.

Answered by Steven Lovell on July 1, 2025

Broker Licensed in GA, AL, CA & 11 other states

Answered by Steven Lovell Medicare Insurance Agent

Tasha Riggs · Answer

Do a back ground check on the broker you are working with. Do a google search, Check out there referrals and network of people they work with. Make sure they have access to a majority of the medicare plans so they are not biased and sign you up with only the ones they work with

Answered by Tasha Riggs on April 12, 2025

Broker Licensed in CO, AZ, HI & 10 other states

Answered by Tasha Riggs Medicare Insurance Agent

Misty Bolt · Answer

Good afternoon. It's Medicare Misty with Medicare Minutes, and it could be good morning, depending on where you are, or good evening, depending on what time you're logging in and seeing this. We get a lot of questions, and one of the questions we got today is, how can I select the right healthcare company and representative to work with? I love this question because I'm in over 48 states. So I can do basically any plans in those 48 states. But a lot of times it's better to go with local because local knows what your hospitalization situation is, knows what the provider situation is, knows which plans are better in that area. It does depend on what state you live in, based on how that plan is. The plan could be good in Tennessee, but in Georgia, it might not be such a good plan. So I would look at the years that they've been in the business. I would shop locally if you can. Then I would just look at the reviews of that agent, and maybe email them to see if you get a feel for whether you love what they respond with or check their website out. But do your research. I've been in the business for over 20 years, so I would love to help you.

Marsha Reiniers · Answer

Choose an agent who is independent and can offer more than one company and has been in the Medicare market for a number of years. Select an agent who listens to you and explains how Medicare works and can help you navigate through the differences between Medicare Supplement and Medicare Advantage plans. This agent can help you find the plan that fits your own specific needs. A good agent will be responsive and continue to stay in touch as your healthcare needs change.

Answered by Marsha Reiniers on April 17, 2025

Agent Licensed in FL, GA, MI & NC, PA, SC & VA

Answered by Marsha Reiniers Medicare Insurance Agent

Ezel McIntee · Answer

When choosing a healthcare company and representative, look for someone who explains your options clearly, answers your questions, and understands your specific needs. Contact me for personalized guidance to help you find a plan and agent you can trust.

Answered by Ezel McIntee on November 11, 2025

Broker Licensed in OK

Answered by Ezel McIntee Medicare Insurance Agent

Joseph Ritter · Answer

1. Look for Independence
Choose a broker who represents multiple carriers, not just one. Independent agents can compare plans from different companies and tailor a recommendation to your needs, not their sales quota.

2. Check Credentials
Ask if they’re licensed in your state and certified to offer Medicare Advantage and Part D plans. Don’t be shy — a trustworthy agent will show you their credentials without hesitation.

Teresa Berendowsky · Answer

Working with a local Broker to assess your specific needs they can look across the board at different carriers and plans to see which plan fits your specific needs. I would be happy to assist in answering any questions or concerns that you may have.

Answered by Teresa Berendowsky on August 13, 2025

Broker Licensed in TX, AR, LA & OK

Answered by Teresa Berendowsky Medicare Insurance Agent

Steven Bleicher · Answer

You always must remember to interview at least 2-3 different agents in order to hear their differing opinions regarding their company's benefits/premiums. Be careful NOT to utilize a "Captive Agent" who only works for 1 Medicare-compliant company. This means that she/he is beholden only to them, while an independent rep can have multiple affiliations with a variety of company benefits. 

This kind of agent is also called "a broker" who can elaborate on the wide variety of quirks of Medicare. This person can offer solutions that can cover those oddball situations. You may have heard negative references toward a broker but that has been attributed to a person who usually sells car and homeowner insurance (property & casualty)  But it is the Medicare brokers who will attend multiple company events & have a greater knowledge of the complexities of Medicare.

You also want to ensure that among the possible 3 companies, the one with a history of as low a percentage of premium increase each new calendar year is possibly the one "to lean on". 
Please remember that we are now at an unusual time in our history when inflation is world-wide and is not just reflecting the US economy. 

Moreover, the rapport that you establish with an agent is an important consideration, too!  So, when you have posed a question, if you feel that the agent hasn't properly conveyed the Medicare principle/answer (or seems to be double-talking), that is not the right agent for you.

Andrew Zurbuch, MBA · Answer

You should meet with a Broker. Ask questions. Discuss Medigap Insurance & Medicare Advantage, networks, out of network costs, enrollment periods, premiums, coinsurance, &  copays if they apply.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Jim Tretola · Answer

I would always go with someone who you know, like, and trust. If they are unknown, I would always ask for referrals and see if they did a good job for someone you know.

Michael Yost · Answer

I think the best way to choose the right healthcare company is working with a broker. A broker is someone who should be independent and able to shop many carriers. If you need a no cost broker to help you look at options feel free to reach out to me.

Answered by Michael Yost on April 26, 2025

Broker Licensed in OH, AL, AZ & 27 other states

Answered by Michael Yost Medicare Insurance Agent

Robert Baez · Answer

Robert Baez
Licensed Trusted Advisor

Más Health & Life
Health | Wealth | Life | Medicare

Contact me.

Deb Haley · Answer

You should plan to look at all available plans in your area and find a broker who is licensed with several products so they can help you compare your options and costs. Check with your friends, relatives, neighbors, or coworkers for a referral to an agent that they worked with that did well by them. You may also check with your local senior center as many agents advertise or offer educational seminars there.

Answered by Deb Haley on April 17, 2025

Broker Licensed in MA, AZ, CA & 11 other states

Answered by Deb Haley Medicare Insurance Agent

Erlynne (Elle) Massie · Answer

Selecting the right healthcare company and representative can feel overwhelming, especially with all the noise around Medicare plans. Here’s what to look for:

Independence matters. A captive agent works for just one company, while an independent broker can compare plans across multiple carriers. Independent brokers can show you a bigger picture, making it easier to find a plan that truly fits your needs and budget.

Ask about support. The best representatives don’t disappear once you enroll. They should provide year-round service—helping with billing issues, coverage questions, prescription changes, and annual reviews.

Look for clarity. Medicare is complicated. A good broker explains things in plain, clear terms and makes sure you understand before you sign. If you leave a meeting feeling more confused, that’s a red flag.

Verify licensing and reputation. Always check that your representative is licensed in your state and has positive reviews or references. Trust is essential—you’re not just buying a plan, you’re building a long-term relationship.

Personal fit. Beyond credentials, notice whether they listen. Your healthcare is personal, and your broker should treat it that way. You deserve a representative who respects your values and preferences.

Valerie Schurman · Answer

i believe in referrals and if you can’t find one do some research and go with your gut make an appointment and if you don’t feel right then try talking with people and see who they use hope this helps

Answered by Valerie Schurman on October 4, 2025

Agent Licensed in IL & MO

Answered by Valerie Schurman Medicare Insurance Agent

Sagrario &quot;Sage&quot; Dyer · Answer

Always work with a local agent who has a vested interest in your community. Do they have star ratings? Do they do reviews with their clients every year, send out bday and thank you cards? Have them check your meds and doctors? Hospitals? Rehab and physical therapy centers? Why do they think this would be a good plan for you? Interview them!

Answered by Sagrario "Sage" Dyer on April 13, 2026

Broker Licensed in AZ, CA, CO & 10 other states

Answered by Sagrario "Sage" Dyer Medicare Insurance Agent

Donald Elliott · Answer

The best way to select the right healthcare company and plan is to speak directly with an independent health insurance broker. A broker represents more than one company and is completely independent from outside influences. My position is very clear. I am not here to sell you something for money. I am here to ask the right questions and guide you to discover what is best for you and help you apply and receive that plan.

Answered by Donald Elliott on January 10, 2026

Broker Licensed in AL, GA & MS

Answered by Donald Elliott Medicare Insurance Agent

John Zentner · Answer

In most areas, there are many excellent Medicare plans to choose from. You can compare plans using tools like the Medicare Plan Finder on Medicare.gov. It is important to consider  cost, coverage, benefits and provider network. 

It is always a good idea to seek advice from a Medicare-certified professional, such as an insurance agent specializing in Medicare, or an independent Medicare consultant. Reviewing agents online reviews such as Google Reviews is always a good idea to make sure the individual is experienced and professional.

Steven Pomerantz · Answer

That is my job, as we do that service at no cost. Contact me. Happy to help.

Cheryl Mahon · Answer

The world is an oyster to new Medicare beneficiaries. I like to explain how Original Medicare works and all the possible additional coverage available to you in your zipcode. We compare the pros and cons of Original Medicare with a stand-alone prescription drug plan, Original Medicare with a Supplement Plan, and Medicare Advantage Plans available to you. Sometimes the best healthcare company is the one that covers your prescriptions and/or where your preferred healthcare providers are in network. There is never a cost to work with a Medicare representative. If you don't feel comfortable working with the first representative you meet, I encourage you to meet with another and another until you find a representative that you feel comforable with.

Answered by Cheryl Mahon on January 5, 2026

Agent Licensed in CO

Answered by Cheryl Mahon Medicare Insurance Agent

Kathy Greco · Answer

Its best to work with a broker who represents most of the plans and companies in your area. Because not all doctors take all plans, and medication costs can vary from plan to plan, the agent will look at your specific doctors and the medications you would like covered, to provide a narrowed down list of plans for you to review and choose from.

Answered by Kathy Greco on November 3, 2025

Agent Licensed in FL

Answered by Kathy Greco Medicare Insurance Agent

Deidre Wilhelm · Answer

When meeting bf with a representative, it is important to feel comfortable with them. It’s important to feel that they are knowledgeable and trustworthy. Someone who is personable and caring is also important. Finding a representative like this will ensure that you are put into a plan that helps you and works best all around for your needs.

Answered by Deidre Wilhelm on August 28, 2025

Agent Licensed in OH & WV

Answered by Deidre Wilhelm Medicare Insurance Agent

Fred Manas · Answer

To choose the right healthcare company and representative, look for a licensed, Medicare agent who represents multiple carriers. They should review your doctors, prescriptions, and budget to recommend the best plan for your unique needs.

Answered by Ann Sanfelippo on October 8, 2025

Broker Licensed in FL, AL, AZ & 14 other states

Vachik Chakhbazian · Answer

To select the right healthcare company and representative, you should first identify your specific needs, then research reputable companies and interview potential representatives. Key factors to evaluate include credentials, experience, communication style, accessibility, and cost.

Answered by Kevin Johnson on October 17, 2025

Agent Licensed in CA, NM, OH & SC

Answered by Kevin Johnson Medicare Insurance Agent

Mary Brown · Answer

You can compare plans using Medicare.gov’s Plan Finder or work with a licensed agent through MedicareAgentsHub.com who can help ensure your doctors are in-network, prescriptions are covered, and discuss the options and benefits of Original Medicare, Medigap, and Medicare Advantage, including extras like dental, vision, and lower out-of-pocket costs.

Answered by Mary Brown on March 30, 2026

Broker Licensed in NJ, DE, FL & NC, OH, PA & TX

Answered by Mary Brown Medicare Insurance Agent

Mark Boone · Answer

When selecting the right healthcare company and representative, you should first assess your specific needs and then research providers and representatives who meet your criteria. Working with an independent broker allows them to find a company that meets most if not all of your needs by shopping a selection of companies available in your region, thus saving you the time searching yourself. Also an independent agent is certified on an annual basis and has also passed training with each of the companies they represent.

Answered by Mark Boone on September 23, 2025

Agent Licensed in MN, FL, MI & NC, OH, SC & VA

Answered by Mark Boone Medicare Insurance Agent

Carol Conner · Answer

For example, I am a licensed Health and life representative affiliated with a reputable company and we represent all plans within Medicare so I can give you options to look at and choose from

Antonio Rodriguez · Answer

When you’re choosing a healthcare company or a representative to work with, the biggest thing is making sure they’re truly working in your best interest. A good rep should be licensed, represent multiple companies (not just one), and be willing to explain things in a way that actually makes sense.

It’s also important to work with someone who checks your doctors, prescriptions, and total yearly costs—not just premiums or TV-ad benefits. The right rep should be easy to reach, not pushy, and someone who reviews things with you each year so you’re never stuck in the wrong plan.

Cheryl Lyons · Answer

Choose a healthcare company and representative by focusing on a few key things:
	•	Reputation: Look for strong reviews and ratings.
	•	Experience: Make sure the representative understands your specific needs (Medicare, chronic care, etc.).
	•	Network & Coverage: Confirm your doctors, hospitals, and medications are included.
	•	Transparency: They should clearly explain costs, benefits, and limitations.
	•	Communication: Pick someone responsive, patient, and easy to reach.

If they take time to educate you—not pressure you—you’ve likely found a good fit.

Toni Chavez · Answer

Finding the right agent is critical they are your key connection to finding the plan that fits your healthcare needs. Look for a broker who holds a valid license in your state, represents many companies and offers free consultations most do as we they are paid by the insurance company. Your broker should do a needs analysis to determine what plans fit your medical needs.

Answered by Toni Chavez on September 29, 2025

Broker Licensed in AZ, CA, NM, NV & UT

Answered by Toni Chavez Medicare Insurance Agent

William Scott · Answer

Most consumers we've met simply google a short list of Health Insurance representatives in their area. Its pretty easy to assume that the Health Insurance Brokers and Agents that live in the area would be more familiar with the carriers and what plans they have to offer that might suit a consumer's need. Or, they will go online and seek trustworthy directories like Medicare Agents HUB that offers detailed and iuptodate backgound of individuals listed in their directory.

Answered by William Scott on July 14, 2025

Broker Licensed in GA, CO, NC, OH, SC & TX

Answered by William Scott Medicare Insurance Agent

John Messler · Answer

Before selecting an agent find out information about them. Get a reference from family or friends and then when you sit down interview them on their experience and whether they represent one or most of the plans available in your area. If an agent is only appointed with one or two companies, then they probably won’t even try to offer you options beyond that. Every agent should disclose at the beginning of the meeting how many plans they represent and how many they don’t and if you’re OK with that, you can move forward.

Answered by John Messler on September 30, 2025

Agent Licensed in NH, ME, NC, OH, PA & TX

Answered by John Messler Medicare Insurance Agent

Adam Morillo · Answer

Typically you want to speak to someone who offers the majority of companies in your area to get an unbiased review of which one is best for your needs.

Christine Brewer · Answer

Choose a healthcare company and representative who are licensed, experienced, and willing to review your doctors, medications, and budget so they can recommend plans that fit your needs. Look for someone who is patient, transparent, and available year-round to answer questions and support you after enrollment.

Answered by Christine Brewer on December 9, 2025

Broker Licensed in FL

Answered by Christine Brewer Medicare Insurance Agent

Fran Lovelace · Answer

A seasoned agent with your best interest in mind can help you select the right plan and health insurance carrier. Referrals from friends or family is a good way to find an agent, also you can look for someone on line with 5 star reviews.

Answered by Fran Lovelace on May 29, 2025

Agent Licensed in NC, SC & VA

Answered by Fran Lovelace Medicare Insurance Agent

Robin Duffey · Answer

Choosing a Medicare agent / company is easy -- go with the person you feel has your health interests at heart and will be available when you have concerns or questions.

Sean Macbean · Answer

This is a more profound question than it seems. I will answer it briefly by explaining the criteria you should look for in each one.

Company:
- Find a local company that has been in business for at least 20 years and focuses on Helping Seniors with their healthcare needs.
- Find a company that trains its agents well and supports them.
- Find a company that is a broker and offers many products and services, rather than being captive and only offering one product.

Agent:
- Find a full-time agent with at least 5 years of experience.
- Find a Local agent who will meet you face-to-face at your home or their office.
- Find an agent who is well-versed in multiple products and selections.
- Find an agent that is focused on saving you money.
- Find an agent who is a Health to Wealth expert to offer you the best services.

There are many more criteria for both the company and agent, but if you focus on these basics

You should do well.

Frankie Cochran · Answer

you want to make sure that you have a clear understanding of your health and medications. with that information you can work with a broker agent to help find a plan that fits those needs the best by comparing plans and explaining the pros and cons of each plan. you want to make sure you are speaking with a broker agent because brokers are contracted with multiple different insurance companies and are certified in ALL the plans available in your zip code. Captive agents are employees of only one company and do not have the correct knowledge or motivations to promote the pros and cons of ALL companies in order to choose the right plan to fit your needs despite the name of the insurance company

Answered by Frankie Cochran on April 1, 2026

Agent Licensed in GA

Answered by Frankie Cochran Medicare Insurance Agent

Jason Marshall · Answer

You want to make sure that Healrchcare company has a 4 star rating or better with a large doctor network and drug formulary. You want your representative to be knowledgeable about products and options, and more importantly you want them to care about you and your needs.

Answered by Jason Marshall on November 13, 2025

Agent Licensed in CA

Answered by Jason Marshall Medicare Insurance Agent

Russell Scott · Answer

Use discernment like you would choosing a doctor, plumber or contractor. Medicare is the last health insurance you'll ever have. Choosing WHO you are working with to help guide you now and as time goes on should be of high importance. A good agent is knowledgeable and will display a passion to educate you. If you feel like you're being pressured to do something that isn't in your best interest, chances are you're right. The amount of insurance companies and plans is finite. All brokers are generally able to sell all the same thing. Pick the one that proves themself beyond just the transactional side of simply selling you a plan.

Answered by Russell Scott on June 13, 2025

Agent Licensed in OK, CO, KS, MO & TX

Answered by Russell Scott Medicare Insurance Agent

Emmond Wills · Answer

Pick a licensed, independent agent who represents multiple carriers — not just one. That way, they can compare plans side by side for your doctors, prescriptions, and budget.
Make sure they’re Medicare-certified, local or well-versed in your state’s options, and take time to educate you — not pressure you.

Kevin Johnson · Answer

To select the right healthcare company and representative, you should first identify your specific needs, then research reputable companies and interview potential representatives. Key factors to evaluate include credentials, experience, communication style, accessibility, and cost.

Answered by Kevin Johnson on October 17, 2025

Agent Licensed in CA, NM, OH & SC

Jamie Herrick · Answer

That is a great question!

I often tell people to talk to friends and family to see who they work with…or what they have. Since those are the people you trust most!
I’m happy to work with you in finding the right plan, and being your agent!
Feel get in touch with me.
I am The Insurance Nurse.

I’ve been a registered nurse for 23 years:))

Alexander Lehn · Answer

Most healthcare companies are pretty good and are competitive on their offerings. Some things to consider would be the company's financial stability and their rates of coverage denial as well as their preferred network of doctors and hospitals. The more important side of the question is finding a good representative to work with. I advise you to contact a broker or two to get a sense of if you like them and communicate well together. Having a broker is important because they can work with whatever carrier suits you best rather than pushing you into a single option or limited offering.

Answered by Alexander Lehn on May 12, 2025

Agent Licensed in NV, CA, FL & TX

Answered by Alexander Lehn Medicare Insurance Agent

Kyle Nystrom · Answer

Be sure to meet in person. If that's not possible, meet face to face virtually. Don't buy anything over the phone, and don't be pressured into making a purchasing or coverage altering decision without fully understanding how you stand to benefit.

You will be approached/called/marketed to by many. Trust your intuition, do your research and you'll be fine. The more local the agent to you, the better.

April Ryan · Answer

Selecting the right healthcare company and agent to work with is key when it comes to your Medicare coverage.   Look at the company's ratings, how often have they had rate increases in the past and how significant were those increases.  What is their turnaround time in paying claims?
   Make sure your representative will still be around when you need them in the next one, two, five or ten years.   Many people get into this industry for the wrong reasons and find out quickly that it's not the ideal career for them.   If your agent has been in the industry five years or more, chances are he or she will be around when you need them.

Richard Allen · Answer

To choose the right healthcare company and representative, look for a licensed, Medicare agent who represents multiple carriers. They should review your doctors, prescriptions, and budget to recommend the best plan for your unique needs.

Answered by Ann Sanfelippo on October 8, 2025

Broker Licensed in FL, AL, AZ & 14 other states

Rene Casanova · Answer

The right healthcare company will have your physicians, and hospital(s) in their network, reasonable copays, extra benefits you want such as dental, vision, hearing, Over the Counter benefits, gym memberships and a rewards card for keeping up with your health appointments. The right representative like myself will answer the phone anytime of the day or night and if the client wants a face to face visit I will be there every time when requested.

Answered by Rene Casanova on April 3, 2025

Broker Licensed in TX

Answered by Rene Casanova Medicare Insurance Agent

Ronnie Rosenberg · Answer

You'll want to select a reputable company and an experienced representative.  It's important to choose a representative that will take the time to explain the process, and answer all of your questions.  Medicare can be confusing, so choose wisely.  
If you have a friend that has a responsive representative, you may want to reach out to them, or you can contact me.  I pride myself with being there for my clients not only from the initial information and enrollment, but even more importantly, well into the future.

Wayne Creeden · Answer

The best advice is go with a CFP® only for anything of this sort with at least 10 years of experience and do not use a captive agent.  You want a CFP® who is a broker.

Joel Montilla, Esq. · Answer

perform a needs based analysis of your health and the needs of an agent to help you meet those needs; then, interview and decide on an agent that isn't into high pressure sales rather helps you properly plan for when you need insurance

Answered by Joel Montilla, Esq. on April 15, 2025

Broker Licensed in FL

Answered by Joel Montilla, Esq. Medicare Insurance Agent

How can I select the right healthcare company and representative to work with?

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How can I select the right healthcare company and representative to work with?

Agents: Share Your Expertise

Seniors: Ask a Question of Your Own

Related Questions

Agent Locator

Medicare Agents HubA non-government resource website

Medicare Agents Hub
A non-government resource website