How can I tell the difference between an experienced Medicare Broker and an inexperienced Medicare Broker?

Question

Medicare Melanie · Accepted Answer

Regarding the experience of Brokers. Your wisdom and intuition will lead you to the right Broker. Experience isn't measured by years when it comes to brokers, however it is certainly a contribution factor. Word of mouth is still one of the best ways to find professional help, however I do encourage you to look at recommendations from your friends and family at a higher consideration, than recommendations from other professionals, as sometimes recommendations from other professionals, such as your financial advisor could be clouded with other motives. Brokers with experience have a diverse portfolio of insurance products, and the broker you are working with should be able to offer you plans from many different insurance carriers.

Answered by Medicare Melanie on May 9, 2025

Broker Licensed in FL, GA, MI & OH

Answered by Medicare Melanie Medicare Insurance Agent

Gary Church · Answer

Tell the difference between an experienced Medicare Broker and an inexperienced Medicare Broker: Do you feel comfortable with the answers that you get from the broker, or do you feel that you are being navigated to a Medicare plan that you don't understand? You want to make sure the broker is helping you to make an informed decision.

Answered by Gary Church on March 16, 2026

Broker Licensed in Ca, AZ, NV & TX

Answered by Gary Church Medicare Insurance Agent

Mike Alexander · Answer

The experienced broker will always do a  eeds assessment,  so he can determine your needs and be able to show you all the plans

Daniel Brechin · Answer

When you are speaking with a new agent he knows his information and most likely has one or two companies in his bag. He does not have the experience that agents with 5 or more years to help you understand how different plans work. Everyone has to start somewhere.

Answered by Daniel Brechin on November 4, 2025

Agent Licensed in AL, FL, KY, MS & TN

Answered by Daniel Brechin Medicare Insurance Agent

Charise Karjala · Answer

The question is how can I tell the difference between an experienced Medicare broker and an inexperienced Medicare broker? Well, I think the first thing is when you meet somebody who is a Medicare agent, ask some questions about how they got into this business. What companies do you represent? How long have you been doing this? What's your background? How many companies do you represent? Those are questions that show the breadth and depth of the understanding of the Medicare agent.

The other thing that is a telltale sign for me all the time about somebody's capacity as an agent is if they say, "I do Medicare." Somebody does not do Medicare. Medicare is a profession that highly skilled CFPs like myself and MBAs like myself choose to work in. People who have degrees in finance choose to work in the very fine detail of protecting people when it comes to their health coverage so that they don't go bankrupt. That's our job, to make sure that you not only have access to the best possible care, but you don't go bankrupt.

And that's more for the under-65 concerning Medicare policies, which are pretty sewn up, but you can still get in very, very deep trouble. So, length of tenure, how many companies do they represent? How long have they been doing this? What is their academic background? Ask them for their ID number. You can look that up on the California Department of Insurance, amongst others. How many other states do they involve, and do they? Do they represent at least five or more carriers in each line of business, which is drug plans, Medicare plans, supplemental plans, dental plans, and vision plans?

Now you've got somebody who has something truly to offer you that you can't just go and get off the internet. Some people like to go off the internet and unpack and find things. But I think you get people like us who have been doing this for 20 years, and we have advanced degrees and the wherewithal. We've been working with families for years. Why would you sell yourself short and not use a professional? We don't cost anymore.

The other item is if that person is dying to come to your house and knock on your door, run the other way. That person needs to have an office if they are a legitimate person. If they work from their kitchen table, they are a low-budget person. Get a good agent.

John Becker · Answer

An experienced broker will demonstrate a deep understanding of the nuances of Medicare plans, ask detailed questions about your specific needs, work with multiple insurance companies, and provide long-term support beyond initial enrollment.

Answered by John Becker on October 27, 2025

Agent Licensed in WI & MN

Answered by John Becker Medicare Insurance Agent

Ronnie Robinson Jr · Answer

An experience broker will collect your current doctors, prescriptions, and the scope of appointment to help you find all your options while keeping as much as possible the same. They will also have multiple years of experience, along with at least seven options to choose from, depending on your location.

Answered by Ronnie Robinson Jr on August 21, 2025

Broker Licensed in FL, AL, GA & 9 other states

Answered by Ronnie Robinson Jr Medicare Insurance Agent

Steven Graves · Answer

A Few Questions You Can Ask a Broker:

How long have you been working with Medicare plans?

Which insurance companies do you work with?

How do you help clients review or change plans each year?

What’s your process for helping someone choose the right plan?

Will you be available if I need help after enrollment?

This is a good way to learn how experienced your Medicare Insurance Broker is.


Serving ALL of Texas, Florida, and California
Contact me.

Vincent Murray · Answer

Experience.  What I have experienced is how to help you best is by giving you the choices available.  This may seem obvious, but isn't.  The safest option is to go with a Medigap plan but those are expensive.  The least expensive way is a Medicare advantage plan, maybe... and for most people.  We never recommend a medicare advantage plan without a umbrella package.  What is an umbrella package?  These protect you when it rains.  

Why do we have insurance?  In case something big happens.  Most of the co pays on a Medicare advantage plan are fairly reasonable.  The two biggest costs are usually over night stays in the hospital and Chemotherapy drugs.
We have umbrellas for both.  This is what experience gives you, choices.  A) supplement B) Medicare plan with an umbrella or C) just a Medicare plan and take your chances.  It is our job to show you how to protect yourself and then let you choose.  
Medicare plans can be gotten through a telemarketer who doesn't know Maine or though a New Medicare agent who is afraid to tell you some of the downsides to Medicare advantage.
Present, advice and give you the choices you need is how an experienced medicare agent will help you best.

Steven Lovell · Answer

Primarily, is the agent just trying to sell you the first thing available immediately, or does the agent actually spend some time trying to determine your needs.

Lauren Fodde · Answer

1. They ask the right questions — not just try to sell a plan.

An experienced broker will take time to learn about your doctors, prescriptions, health conditions, travel habits, and budget.
An inexperienced broker usually jumps straight into showing plans without understanding your needs.

2. They can explain plans in plain English.

Experienced brokers break things down in a way that makes sense: deductibles, MOOP, networks, drug tiers, and timing rules.
If someone struggles to explain the basics clearly, that’s a sign they may not have much experience.

3. They review all your options, not just one company.

A seasoned Medicare Broker is appointed with multiple carriers and shows you side-by-side comparisons.
An inexperienced broker may only show one plan or favor one carrier because it’s the only one they know.

4. They know your local providers and networks.

Experienced brokers stay up to speed on which hospitals, specialists, and clinics are in-network in your area.
If a broker can’t answer simple provider questions, they may still be learning.

5. They provide ongoing support — not just help you enroll.

A strong broker checks in, helps with billing issues, assists with Part D changes, and is available year-round.
Inexperienced brokers often disappear after enrollment.

6. They understand Medicare rules and timing.

Experienced agents can guide you through AEP, OEP, Special Enrollment Periods, Part B penalties, and late enrollment rules.
If someone seems unsure about Medicare deadlines, that’s a red flag.

7. They don’t pressure you.

A good Medicare Broker educates.
An inexperienced one may push you toward a decision you’re not ready for.

Richard Moreno · Answer

An experience broker takes the time to educate you first on how Medicare works and also explains the options you have in regards to getting the Medicare coverage that meets your needs and the best fit for you. He has multiple companies and plans and would ask you who your doctors are and what medications you take to make sure they are network in the plan he enrolls in.

Answered by Richard Moreno on March 30, 2026

Broker Licensed in TX, CA, FL, LA, NM & OH

Answered by Richard Moreno Medicare Insurance Agent

Cheri Rogers · Answer

An experienced Medicare Insruance Broker (and ethicalI may add) should make certain they are finding you the best fit for all your needs including: financial, medical, prescriptions, your doctors and hospitals, etc. If they don't ask you these pertinant facts before recommending a plan to suite your needs call someone else.

Answered by Cheri Rogers on May 26, 2026

Broker Licensed in NM & TX

Answered by Cheri Rogers Medicare Insurance Agent

Michael Caldwell · Answer

I would be less worried about experience and more worried about honesty and integrity to be perfectly honest. To many seniors fall prey to these slick talking telemarketeers and their bait and switch tactics. Someone may be inexperienced, but if they're honest and hardworking, they'll usually have a more experienced agent check their work to make sure mistakes aren't being made, and if they do accidently make a mistake, they'll own it and help to fix it. What I really worry about are the predators in the Medicare industry blowing up people's phones, promising things they can't provide and often switching seniors plans without permission once they have their personal information.

Answered by Michael Caldwell on June 9, 2025

Broker Licensed in IN, AL, AR & 31 other states

Answered by Michael Caldwell Medicare Insurance Agent

Renee Brown · Answer

An experienced Medicare broker will ask questions and show that they have a good understanding of Medicare plans, recent changes, and benefits. An inexperienced broker may struggle with these questions and details. They may also not feel comfortable looking at all the options and therefore only offer limited options. Experienced brokers will also be able to clearly explain the different Medicare plan options Exp: Original Medicare and A Medigap plan vs a Medicare Advantage plan with all the pros and cons, so you not only know your options but so they can tailor their recommendations to your specific needs

Answered by Renee Brown on June 1, 2025

Broker Licensed in FL, AL, AR & 32 other states

Answered by Renee Brown Medicare Insurance Agent

Susan O&#039;Kelley · Answer

A seasoned broker will take the time to listen to your concerns and engage with you to talk about UNBIASED options. They will ask you about your preferred docs, ask to see if you have prescriptions and prescription costs that you are concerned about. An inexperience broker might be new (less than a few years in the business) or might only have access to a few carriers or options. Most important: They don't try to "sell" you. An experienced agent is someone you should feel works with you - not just trying to make a quick buck. (Don't forget about crowd-sourcing for reviews, testimonials, etc.....)

Answered by Susan O'Kelley on October 2, 2025

Broker Licensed in CO, AL, AZ & 20 other states

Answered by Susan O'Kelley Medicare Insurance Agent

Jaime Valadez · Answer

An experienced broker is usually independent broker and is appointed with 8-10 insurance carriers. Rookies are usually only licensed with 2-3.

Alyssa Burgos · Answer

There is so much to know about medicare and if we don't know it, we will find your answer. I would always check google reviews to past clients to see how they helped others. Make sure you get a broker that finds what's best for you.

Answered by Alyssa Burgos on April 6, 2026

Broker Licensed in CO, AZ & TX

Answered by Alyssa Burgos Medicare Insurance Agent

Ted Wallus · Answer

In my opinion it’s more valuable to tell the difference between one who cares and values the outcome for their client and those who don’t.

Brokers with a huge client list have a lot of experience but are going to be hard to get time with and just because of the pure demands from their current clients. 

If you can find someone with two to five years experience they will have made it past the hurdle of year 1, still be invested in growing their client list, and enough bumps and bruises to know what they are talking about.

Check websites like LinkedIn to see how long they’ve held their position or sites like Google to scan client reviews.

James Romeo · Answer

Make sure they are representing multiple Insurance companies on both Medicare Supplement and Medicare Advantage as well as Part D drug plans. it also comes down to length of time in the business. If they have been doing this less than one or 2 years they may be a good salesperson but they may lack the experience to explain what happens if there is problem or how certain procedures are covered or who is in the network. It can be hard to get a good idea of understanding the market and the plans available in a short period of time. Ask lots of questions and see how they answer them. If they look unsure or like they are guessing the answer that will show. As with anything trust your gut if it feels rushed or they are not going over all benefits of the plans or they are vague or evasive on answers best to walk away. A good and complete meeting should take about 45 minutes to on hour.

Answered by James Romeo on July 31, 2025

Broker Licensed in MN

Answered by James Romeo Medicare Insurance Agent

Ed &amp; Peggy Weir · Answer

All Medicare brokers go through extensive testing to receive their licenses. Each year to keep their license they have to pass an annual industry testing and certification. Also, each of the insurance carriers like Humana, etc require brokers to pass their own testing and recertification process. 
Experience comes with talking to seniors and understanding their unique life situations. Experience comes with learning the strengths and weaknesses of the insurance carriers in your area. This takes several years plus you have to be growing in your appreciation of seniors.

Steven Bleicher · Answer

Hesitation is the dead giveaway. Not to sound crass but a younger agent simply has not experienced the wide variety of questions that an agent of over, let's say 7 years has. I am glad that you used the word broker since that definition will be more appropriate for a Medicare expert!

Answered by Steven Bleicher on May 28, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Andrew Zurbuch, MBA · Answer

Good question. You should meet with them & ask questions of these Brokers. They should know Medicare Advantage details & Medigap insurance policy details. 

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 to get information on all of your options.

Barbara Patterson, CFP · Answer

I would suggest you ask them about their history in the Medicare field.  I would specifically ask if they specialize in Medicare and if they are an independent agent with many companies.

Lea Vollmer · Answer

I am not sure you should be concerned with the amount of time an agent or broker has but with their integrity.  I recommend an agent who will be there for you and not just there to sell you a plan.

Harold Randolph · Answer

That’s pretty difficult to say most brokers have a team of people behind them to ensure that you get accurate service. Most brokers use a needs assessment to help you make more than just Medicare decisions. 

If there is a difference for you, it would be that the broker does more explaining and teaching so that you are more equipped with information to make an intelligent decision about the future of your healthcare.

Bruce Kaserman · Answer

Thank you for sharing the question from the senior regarding how to distinguish between an experienced Medicare broker and an inexperienced one. Generally, an experienced Medicare broker will have a deep understanding of the various Medicare plans available, strong knowledge of the enrollment process, and a track record of helping clients find plans that best suit their individual needs. They should be able to clearly explain plan benefits, costs, and any potential changes year-to-year. Additionally, experienced brokers often have positive client testimonials and can answer questions confidently and accurately. In contrast, an inexperienced broker may lack detailed knowledge, provide limited plan options, or be less familiar with Medicare regulations and updates.

Answered by Bruce Kaserman on April 27, 2026

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

Answered by Bruce Kaserman Medicare Insurance Agent

Vachik Chakhbazian · Answer

focus on their knowledge, experience, and approach. Experienced brokers will have a deep understanding of Medicare, its various plans, and how they work together. They will also be able to explain the benefits, restrictions, and complexities of Medicare, including recent changes and updates. Inexperienced brokers may lack this detailed knowledge and may be less helpful in navigating the intricacies of Medicare.

Answered by Vachik Chakhbazian on June 1, 2025

Agent Licensed in CA, AL, AR & 22 other states

Answered by Vachik Chakhbazian Medicare Insurance Agent

Gary Henderson · Answer

Well you can ask them how long they've been in sales for Medicare. That should answer that question. All brokers are licensed and have to go through a lot of testing 
My personal case is I'm also a Medicare customer so I have first-hand experience with it.

Mary Brown · Answer

An experienced Medicare broker will ask detailed questions about your doctors, medications, budget, and healthcare needs instead of pushing one plan quickly. They should explain both the pros and cons of your options, review coverage yearly, stay available after enrollment, and be knowledgeable about enrollment periods, assistance programs, and local provider networks.

Answered by Mary Brown on May 19, 2026

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

Answered by Mary Brown Medicare Insurance Agent

Andrew Kramer · Answer

An experienced Medicare broker should be asking you many questions on the phone, so he/she can prepare ahead of time which plan most suits you. Also, you want an independent agent who represents multiple Advantage plans in your county, 5 or more, and also supplements. Lastly, some who has at least 5 years experience and over 200 clients, or more. You can ask! Also, it's probably best to get a referral from friends, relatives or neighbors, of a broker they used and how often that broker communicates with them, either by phone, or email.

Answered by Andrew Kramer on May 9, 2025

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

Dean Chiapetto · Answer

You can go online to your states department of insurance website and see how long they have been in business. You may also want to get recommendations from family and friends who have a trusted advisor.
Brokers Make A Difference!

Andrew Kelly · Answer

Experienced brokers are going to be able to describe all parts of Medicare, confidently, and answer any questions that you may have. I also think it's helpful to work with a broker who knows and understands both Medicare Advantage and Original Medicare, so they can adequately explain the pros/cons of both options. A good broker is going to give you the information and empower you to make the best choice for you, as the client, as opposed to trying to "sell" you something.

Answered by Andrew Kelly on September 12, 2025

Agent Licensed in WA & OR

Answered by Andrew Kelly Medicare Insurance Agent

Karen Ansell · Answer

You can look the agent up in the state in which they are licensed to see how long they have been in the industry and any complaints they have had. Ask for references.
The agent should also have a process in which they evaluate your situation to make sure they get you the best plan for your individual needs. They should ask for a list of your doctors, medications, hospital and pharmacy of choice.

Jaye Maxx Alexander II · Answer

The best way to tell an experienced broker from an inexperienced broker is by the questions that they ask you about your needs, wants, and desires. They will have more than one policy and plan to offer they will take the time to tailor the plan for your current and future needs .

Answered by Jaye Maxx Alexander II on May 22, 2025

Broker Licensed in NC, AK, AL & 47 other states

Answered by Jaye Maxx Alexander II Medicare Insurance Agent

Julie Thompson · Answer

An experienced agent will ask you a ton of questions and not just about prescriptions and doctors but things like do you need transportation doctor appointments, do you need dental insurance, do you go to the gym or would you if you had a free membership. But more importantly they will keep in contact with you throughout the year.

Answered by Julie Thompson on November 18, 2025

Agent Licensed in CA, AZ, KY, NV & TN

Answered by Julie Thompson Medicare Insurance Agent

Jeffrey Sodikoff · Answer

YOU CAN ALWAYS TELL THE DIFFERENCE BECAUSE AN EXPERIENCED MEDICARE BROKER LIKE MYSELF NEVER RUSHES YOU. HE OR SHE MUST MAKE SURE YOU UNDERSTAND ALL YOUR OPTIONS AFTER CAREFULLY REVIEWING YOUR DOCTORS AND SPECIALIST AND PRESCRIPTION DRUGS.

Answered by Jeffrey Sodikoff on November 21, 2025

Agent Licensed in FL

Answered by Jeffrey Sodikoff Medicare Insurance Agent

Ken Banks · Answer

They can't answer all your questions or concerns.  Also they can't provide you with the services you may need.

Gary Haft · Answer

It is not always easy to differentiate between an experienced agent and a new agent. Sometimes a new agent has learned all there is to know and can answer all your questions but one way to know for sure is when they received their health insurance license. That will tell you how long they have been in business and how long they have had thei “Health” license. Like my self - I have my license for health since 1984 and have worked in the Medicare area since then. That’s 41 years.

Answered by Gary Haft on August 18, 2025

Agent Licensed in FL, AL, DC & 9 other states

Answered by Gary Haft Medicare Insurance Agent

Jami Mead · Answer

By asking questions, and seeing how they respond. Experience does not necessarily come from longevity, but from studying the materials and learning about the products.

Bud Griffin · Answer

The right way to find out the difference between an expierenced and inexperienced Medicare Broker is to visit with more than one Broker and ask them the same questions and compare their answers.

Shahwali Hotaki · Answer

An experienced Medicare broker is licensed, certified yearly, represents multiple carriers, asks about your doctors & prescriptions, and reviews your plan annually.
An inexperienced broker pushes one plan, gives vague answers, and offers little follow-up support.

Abigail Turner · Answer

This is a great question! I would encourage anyone to "interview" a potential broker, especially if you came across them online or in some way other than a strong referral from a trusted friend/family member. 

Some good questions to ask: how long have you been a Medicare broker? Of your Medicare clients, roughly how many have Medicare supplements and how many have Medicare Advantage plans (this will tell you if they seem to lean or steer people one way or another)? What does your process of working with someone new to Medicare look like? What happens after I'm your client? Do you provide any service or ongoing support? These are some questions I'd encourage you to ask to see if someone is a good fit for you and what you're looking for.

Fran Lovelace · Answer

Ask how many years they have been in the business.  Check their star reviews.  Ask friends who they use.

Greg Strasma · Answer

How sure do they sound on the phone? Do they listen to your needs and immediately funnel a plan(s) that meet or exceed your needs? How well do they explain the benefits to you? Are they rushed meaning they are nervous or do they take their time to ensure you fully understand the benefits?

Answered by Greg Strasma on November 4, 2025

Agent Licensed in GA

Answered by Greg Strasma Medicare Insurance Agent

Donald Baker · Answer

Ask how long they have been working with Medicare? The more experienced will usually ask a lot of questions first without pointing to any coverages.

Steven Maicus II · Answer

Most good agents will have a fair review online, most great Agents will be highly ranked in there plan area, and 90% of there business is referral business because they take care of there clients. 
there is an old saying, 

know one cares how much you know, until they know how much you care" 

Steve,

Douglas Carney · Answer

You can tell the difference between an experienced Medicare Broker and an inexperienced Medicare Broker by their approach. Are they asking you or telling you? An experienced broker will do a needs analysis and let the client tell them what coverage works best for their needs. Then the broker will align the client with the plan best meets their needs

Answered by Douglas Carney on May 10, 2025

Broker Licensed in FL, GA, NC, OK & TX

Answered by Douglas Carney Medicare Insurance Agent

Glenn Soucek · Answer

How can a senior distinguish between an experienced Medicare broker and an experienced Medicare agent? 

An experienced Medicare agent has been in the business for several years and offers information on a variety of Medicare supplement plans, rather than just a single plan. Additionally, a knowledgeable Medicare agent should be non-captive, meaning they represent multiple insurance companies rather than being tied to just one. It is important to verify that the agent is licensed in the state by the Department of Insurance. They should also engage in continuing education, and be ethical, trustworthy, and friendly.

Rachael Metcalf · Answer

Their clients and how long the clients have been using them. By meeting them and talking to them.  A local agent that likes in your community would be the best resource.

Alondra Arce · Answer

An experienced Medicare broker will ask about your doctors, meds, and budget — not just push one plan. A newbie might seem unsure, skip important questions, or only talk about one company.

Lisa Wohlhieter Hobbs · Answer

An experienced Medicare Broker will conduct a thorough needs assessment and will provide a comprehensive comparison of different plans based on client's feedback. An experienced Medicare Broker avoids pressure tactics and will work with a client so they can make a decision at their own pace. You will also most likely receive ongoing support to follow up to make sure you received your Medicare plan card and to answer any other questions you may have.

Answered by Lisa Wohlhieter Hobbs on September 1, 2025

Agent Licensed in FL, IL, IN, NC & SC

Answered by Lisa Wohlhieter Hobbs Medicare Insurance Agent

Andrew Dooly · Answer

One of the biggest differences is how they approach the conversation. An experienced Medicare broker will usually ask about your doctors, prescriptions, and overall needs before recommending a plan. They should also be able to clearly explain the differences between Medicare Advantage, Medicare Supplement, and Part D options without pushing just one company.

It’s also helpful to work with someone who represents multiple insurance companies and offers ongoing support after enrollment. A local Medicare broker can be especially valuable since you may have the option to meet in person and have someone you trust to help review your coverage year after year.

Sherri Beach · Answer

A good way to tell the difference between an experienced Medicare broker and someone new to the industry is to focus less on what they say they can do and more on how they guide you through decisions.

An experienced Medicare broker will usually start by asking detailed questions about your doctors, prescriptions, budget, and health needs before recommending any plan. They should be able to clearly explain the differences between Medicare Advantage, Medigap, and Part D without relying on confusing jargon or pushing one type of coverage for everyone.

They should also demonstrate knowledge of local plan networks, enrollment rules, and special situations like moving, losing coverage, or qualifying for Extra Help. Experience shows in their ability to anticipate problems — not just react to them.

Another sign of experience is transparency. A strong broker will explain how they are compensated, confirm that their services are free to you, and help you compare multiple carriers rather than focusing on just one company.

On the other hand, a less experienced broker may be overly focused on a single plan type, give general or scripted answers, or fail to ask enough questions about your personal situation. They may also rush the process or overlook important details like prescription costs or provider networks.

Ultimately, the best Medicare broker is someone who listens first, educates you clearly, and helps you make a confident decision — not someone who simply tries to “sell” you a plan.

David Alelishvili · Answer

This is a great question, and honestly, it’s something most people don’t think about until it’s too late.

A lot of Medicare brokers will tell you how long they’ve been in the business — and sure, experience matters. But that doesn’t always mean you’ll get better service. In fact, some brokers with 10+ years under their belt will give you a little attention up front, and then disappear once you’re enrolled.

What really matters is having someone who pays close attention to the details and sticks with you. A good broker should:

Go over every doctor you see to make sure they’re in-network and figure out which plan fits best with your providers.

Review all your prescriptions to see what’s covered, what it costs, and which plan gives you the best deal.

Break down your plan’s costs and check if you qualify for any financial help. (A lot of people miss out on extra savings because no one takes the time to go over it with them.)

And just as important — you want someone independent, who works with multiple carriers and isn’t tied to just one company.

Nydia Flores · Answer

Hello 
An experienced Medicare broker will ask you questions that pertain to your overall needs and concerns.  An inexperienced Medicare broker would only be concern with enrolling you into a plan without considerations. 

The broker should be interested in your needs, what you want from your plan, and what you may need in the future.  

Thank you
Nydia Flores

Christine Itami · Answer

A seasoned Medicare Broker will take the time to meet with you, either in person, or by phone or Zoom and educate you about your Medicare Rights, Entitlements and Options.  They will also walk you through a thorough education about Medicare, the pros and cons of different types of plans that work with Medicare, costs, out-of-pocket costs, your specific drug costs and coverage.  They will also evaluate your existing coverage to determine if staying on a particular plan (Group) is more advantageous depending upon your cost comparison, and dependent needs, etc.  
An inexperienced Broker will only be focused on selling you a product as quickly as possible without covering the above mentioned, important information to assess your individual needs.

Mark Shipman · Answer

an experienced agent will ask all the right questions to help you find the right plan for your needs. An inexperienced agent may just try to make a sale and take short cuts.