How do you educate clients who are completely new to Medicare?

Question

Jim Towle · Accepted Answer

Educating clients who are completely new to Medicare is a crucial part of my job as a Medicare agent. I approach this process step-by-step, ensuring that they feel empowered and confident in their understanding of the system. Here’s how I typically guide clients through the process:

Start with the Basics: I begin by explaining the fundamentals of Medicare, including its four parts—Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage). Many clients are unfamiliar with these parts, so I make sure to define each one in simple terms, focusing on what it covers and how it impacts their healthcare.

Clarify Eligibility and Enrollment: I explain the general eligibility requirements for Medicare, such as age 65 or certain disabilities, and walk clients through the various enrollment periods, including the Initial Enrollment Period, Special Enrollment Periods, and General Enrollment Period. This helps them understand when they should sign up to avoid penalties.

Discuss Coverage Options: After covering the basics, I explain the different options available to them:

Original Medicare (Part A and Part B), which provides hospital and medical coverage.

Medicare Advantage (Part C), a bundled alternative offered by private insurers that includes all of the coverage from Part A and Part B, often with additional benefits like dental and vision.

Medicare Supplement (Medigap) policies, which help cover out-of-pocket costs like copayments and deductibles associated with Original Medicare.

Part D for prescription drug coverage, which is essential for clients to understand to avoid high medication costs.

Assess Their Needs: I make sure to ask about their healthcare needs and preferences. Are they looking for a plan with lower premiums? Do they have chronic conditions that require frequent medical care? Do they take prescription medications regularly?

Brittany Stickney · Answer

The very first step is deciding if one needs Medicare at 65. Some people spend months learning the program, only to find out they will continue working or be covered by a spouse under group insurance. This leads to a duplicate process happening years later when that individual needs to catch up on any changes and basically re-learn Medicare. Once we know the program is a good fit, it's simply a matter of explaining what the letters (A, B, C, and D) mean, what they cost, what they cover. When does one enroll? How does Social Security play into the picture? Do they have TRICARE, Medicaid, a retirement plan from the government or a past employer? What is their health and budget like, will it change down the road? Do they travel? 85% of Medicare is learning the program and how to stay protected from scams and "bad apples" while navigating it. About 15% is actually choosing coverage. A successful Medicare enrollment (and retirement) is all about education and advocacy. Unfortunately, there is a lot of misinformation. Make sure whomever you are getting advice from is trustworthy and up-to-date. Make sure they are "fact-finding" and asking enough about you to determine what you need--not just at 65--but well into retirement. A good broker should feel like a mentor, not a salesperson.

Answered by Brittany Stickney on March 23, 2026

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

Answered by Brittany Stickney Medicare Insurance Agent

Marsha Webster · Answer

I meet with clients in person, via virtual meeting or by telephone (whichever is most convenient for you). During that first conversation, I will go over Medicare basics — Parts A, B, C and D — and cover the important deadlines and dates so you don’t have to worry about missing anything or incurring late penalties.

After we go over the basics, I’ll work with you to identify what’s most important for your situation — things like:

- Which doctors and hospitals you want to keep seeing

- What prescriptions you take and how to keep them affordable

- Your budget and comfort level with monthly premiums vs. out-of-pocket costs

- Whether you travel often or live in more than one state

From there, I’ll help you compare the two main paths:

- Medicare Advantage – lower monthly premiums, but “pay as you go” with copays and a provider network

- Medicare Supplement (Medigap) + Part D – higher monthly premiums, but very low out-of-pocket costs and the freedom to see any doctor or hospital that accepts Medicare throughout the U.S.

My goal is to make the process as simple as possible for you. Instead of having to sort through piles of confusing mail, you’ll get clear explanations, side-by-side comparisons and my help to enroll in the plan that best meets your needs. And after you’re enrolled, I’ll still be here each year to review your plan to make sure it continues to meet your needs.

Joel Hill · Answer

When someone is brand new to Medicare, I make sure to keep things simple and build from the basics:
	1.	Start with the Foundation – I explain what Medicare is, who qualifies, and the difference between Original Medicare (Parts A & B), Medicare Advantage (Part C), and Prescription Drug Plans (Part D).
	2.	Break Down the Options – I walk through how each part works, what it covers, and what it doesn’t. I also explain the role of Medigap (Supplement) plans to help cover out-of-pocket costs.
	3.	Use Easy-to-Understand Language – Instead of using government or insurance jargon, I explain it in plain English with real-world examples so they can connect the information to their life.
	4.	Focus on Their Needs – I ask about doctors, medications, budget, and lifestyle. Then I tailor the explanation to show how certain plan types might fit their situation better than others.
	5.	Provide Visuals & Resources – Handouts, comparison charts, and step-by-step guides make it easier for them to remember the information.
	6.	Encourage Questions – I remind clients there are no “bad” questions. I want them to feel comfortable and confident before making decisions.
	7.	Follow Up – Medicare isn’t “one and done.” I check in as needs change and plans update each year, so they always stay in the right coverage.

Charles Calvin · Answer

The very first thing we do is sit down and assess their health care needs and wants. From there, I walk them through Medicare Advantage vs. Medicare Supplement, with pros and cons for each. Once they choose which path they prefer, then we narrow down further based on various factors. If we’re doing an Advantage plan, we base our plan choice on who has the lowest drug costs while also having all of their doctors in the network. If we’re doing a Supplement, we find the one that is the most benefit for the lowest cost (typically a G or N); since Supplements are standardized, we can compare strictly on cost since benefits are identical across same-letter plans, no matter which company you’re getting it from. Then we find a Part D plan that will minimize costs, as formularies and deductibles can vary wildly across companies/plans. Once we settle on a plan, we submit the application(s), and then we review each year to account for any changes that have occurred.

Answered by Charles Calvin on February 27, 2026

Broker Licensed in MO, FL, IA, IL, KY & SC

Answered by Charles Calvin Medicare Insurance Agent

Voss Speros · Answer

Voss Speros here, Greek god of Medicare. If Medicare is all Greek to you, you're in luck, I'm Greek. So the question is, how do you educate clients that are completely new to Medicare?

In this scheme, when someone is turning 65, we run through what's called the Medicare one-on-one. It's a breakdown of how Medicare works, what parts A and B do, how much they cost, what Part C is, what Part D is, and then how that all comes together. Then we discuss the options because Medicare is an 80/20 plan, meaning Medicare covers 80% and you're responsible for 20%.

So then we go into the options to cover that 20%, either a supplemental or an advantage plan. Then we break down how the supplemental plans work, and then we break down how the advantage plans work. We also listen and ask questions. They ask a lot of questions back and forth to make sure the client understands what's going on.

It usually takes a good couple of hours to really dive deep into this, maybe a couple of days depending on the person. But we really want to make sure everyone is comfortable and knows exactly what they're talking about. This way, they're going to make an informed decision on what they want their health care to be.

Now, this is important: when you turn 65, you have an opportunity to get a guaranteed issue of a Medicare supplemental plan. Keep that in mind. So we do a lot of Medicare one-on-one. When we're first starting out, I generally try to do a Medicare one-on-one with everybody. I sit down with everyone just to give them an overview of how Medicare works, and then we figure out what plan's best.

Hope that helps! If you have questions, give us a call.

Fred Manas · Answer

To effectively educate clients new to Medicare, start by breaking down the system into manageable parts, focusing on plain language & avoiding jargon. Emphasize the different parts of Medicare (A, B, C, and D), & then delve into Medicare Advantage & Medigap plans. Encourage clients to assess their healthcare costs & needs, & guide them through enrollment using resources like the Medicare.gov website & the AARP website. Here's a more detailed approach:
1. Understanding the Basics:  Medicare Part A (Hospital Insurance): Explain that this part covers hospital stays, skilled nursing facilities, and some home healthcare.  Medicare Part B (Medical Insurance): Outline that this covers doctor's visits, outpatient care, and preventive services.  Medicare Part C (Medicare Advantage):  Explain that this is an alternative to Original Medicare (Parts A and B) and offers plans with additional benefits and coverage options.  Medicare Part D (Prescription Drug Insurance):  Introduce this part as an option to help with prescription drug costs.  Medigap (Medicare Supplement Insurance): Explain that this insurance helps pay for costs that Medicare doesn't cover. 
2. Tailoring Education to Individual Needs:  Assess Needs:  Help clients understand their specific healthcare needs & preferences to choose the right Medicare plan. 
Consider Health Conditions:  Discuss how chronic conditions & specific medical needs might influence their plan choices.  Evaluate Costs:  Help clients estimate their potential out-of-pocket expenses under different plans. Consider Provider Networks:  Help clients understand if their preferred doctors & hospitals are included in any potential plans. 
3. Enrollment & Timeline:
Initial Enrollment Period: Explain the 7-month window when new Medicare beneficiaries can enroll.  Annual Enrollment Period: Highlight the opportunity to switch Medicare plans during the annual period. Other Enrollment Periods: Discuss special enrollment periods for certain circumstances.

Juan Carlos Quevedo Lussón · Answer

When working with clients who are brand new to Medicare, the goal is to make the process simple, visual, and personal. Here’s how I  would approach it:

1) Start with the basics: Explain what Medicare is, who qualifies, and the main parts — A (hospital), B (medical), C (Advantage), and D (prescription drugs) — using clear examples.

2) Use visuals and real-life scenarios: Show how coverage works with simple charts or comparisons, like “Medicare Original vs. Medicare Advantage.” Focus on needs, not jargon: Ask about doctors, prescriptions, and travel habits to match plans to their lifestyle.

3) Explain enrollment timelines: Review important dates like Initial Enrollment Period (IEP) and AEP (Oct 15–Dec 7) to prevent penalties.

4) Empower them: Encourage questions, give printed or digital guides, and schedule follow-ups so they never feel rushed or pressured.

*The focus is always to replace confusion with confidence — making Medicare clear, friendly, and stress-free.

Nikki Rowland · Answer

When working with clients who are completely new to Medicare, I focus on making the process simple, clear, and stress-free by breaking it down into four key steps:

1. Understanding the Basics
I start by explaining:
* What Medicare is and who qualifies
* The four parts of Medicare (A, B, C, and D)
* The difference between Original Medicare and Medicare Advantage

2.  Identifying Individual Needs
I ask questions to understand their healthcare needs, lifestyle, and budget, such as:

Do you take regular prescriptions?

Do you prefer flexibility in choosing doctors?

Do you travel often or live in multiple states?

3. Coverage Options
Once I know your needs, I walk you through:
* Medicare Supplement (Medigap) vs. Medicare Advantage
* Prescription drug plans (Part D)
* Out-of-pocket costs and ways to minimize expenses

4. Helping with Enrollment & Next Steps
I make sure they know their deadlines to avoid penalties and help them enroll in the right plan. I also offer ongoing support, so they feel confident in their coverage.

Mindy Kay · Answer

I focus on simplifying Medicare so clients feel confident — not overwhelmed — by breaking the process into clear, manageable steps.

How education typically works:

✅ Start with the fundamentals — explain the parts of Medicare (A, B, C, and D), what each covers, and the enrollment timelines to help prevent penalties.

✅ Compare the two primary paths — Original Medicare + Supplement vs. Medicare Advantage — highlighting differences in costs, provider access, and financial risk.

✅ Translate insurance into real-life impact — review prescriptions, doctors, travel habits, and budget so clients understand how a plan performs in everyday situations.

✅ Emphasize total cost, not just premiums — discuss deductibles, copays, drug expenses, and maximum out-of-pocket exposure.

✅ Provide ongoing guidance — Medicare isn’t a “set it and forget it” decision; annual reviews ensure coverage keeps pace with health and financial changes.

Yasmine Lopez · Answer

I believe Medicare decisions should feel empowering — not overwhelming. That’s why I start with education, not sales.

Here’s my process:

Personalized Needs Assessment
Before anything else, I take the time to understand your unique situation — your health needs, budget, doctors, medications, and retirement plans.

Foundational Education
I provide clients with a short, on-demand video I created called “The Medicare Survival Guide: 5 Tips Every Retiree Needs to Know Before Enrolling.” It’s a 30-minute crash course that builds confidence and often sparks great questions before we even meet.

Clear, Honest Discussion
We review what Medicare covers — and what it doesn’t. I walk you through the key differences between Medicare Supplement and Medicare Advantage plans, and how to protect yourself from costly coverage gaps.

Tailored Recommendations
Based on your needs, I provide a thoughtful recommendation — with no pressure to enroll. My goal is to help you understand your options and feel confident making the right choice for you.

I serve as your Medicare guide, not a salesperson. You get a partner who’s here to simplify the process, eliminate surprises, and help you feel fully informed — every step of the way.

Patrick Hecht · Answer

When someone is brand new to Medicare, I start by simplifying the big picture, breaking it down into four key parts:  Part A (hospital), Part B (doctors visits), Part C (Medicare Advantage), and Part D (prescription drug coverage).  I explain how each part works, what it covers (and doesn't), and how it impacts their out-of-pocket costs.

From there, I guide them through their choices:  whether to stay with Original Medicare and add a supplement and drug plan, or to choose a Medicare Advantage plan that bundles coverage.  I focus on what matters most to them:  their doctors, medications, travel needs, and budget.

I also walk them through important timelines, potential penalties, and common pitfalls, so they can avoid costly mistakes.  Every conversation is paced at their comfort level, using clear, everyday language.  My goal is to help them feel confident, supported, and in control of their healthcare decisions.

Abigail Turner · Answer

All new to Medicare clients, regardless of age, go through a "Welcome to Medicare" presentation with us. This can be done in person or via a prerecorded webinar presentation they can watch on demand, depending on their preference. 

This presentation walks someone new through the four parts of Medicare, defining them all and talking about costs, coverage, lack of coverage, etc. Then we go through the three options or directions someone can go with their Medicare coverage. We talk pros and cons of all three. We then talk about the ability to move and switch plans down the road... when they can, when they may not be able to and when they absolutely can't and what plans fit into what category. 

Once we've discussed all of the info that's true for everyone on Medicare, we apply that to each individual person: their health issues, budget, lifestyle, medications, etc. to help them decide which is the right option for them.

Sterling Warmack · Answer

The first thing I tell clients who are completely new to Medicare is to be sure to sign up for Medicare part A and Medicare Part B if they are losing employer coverage. You cannot get a supplemental insurance plan or a Medicare Advantage plan without having both part A and Part B of Medicare.

Now if a client does not intend on getting any other insurance coverage and intend to stay on original Medicare then I will go over the details of what Part A covers as far as Hospital, emergency, and hospice care. And then I go over what Part B covers as far as physician care.

 After covering all these details we will talk about Part D which is prescription coverage.  It is essential to go over all the coverages and enrollment periods when a person becomes initially eligible for coverage as not taking one of the coverage options often results in a late enrollment penalty later on when and if the person decides to take coverage.

 Most late enrollment penalties occur due to late enrollment into the prescription coverage Part D. Some of these late enrollment penalties are minimal but if too many years have passed since a person was eligible to enroll in one of the parts of Medicare, the penalty can be quite a large sum that is added on to the cost of Medicare coverage.

 I've had both friends and family members who have run into a late enrollment penalty for their Part D coverage, because when they enrolled in medicare they did not need prescription coverage. So when later on they needed a medication, or in some cases a more expensive medication, they had to get prescription drug coverage with a significant penalty that was cheaper than paying out of pocket for the medications they required at that point.

 Bottom line, when in doubt find an agent and ask them questions. Just because someone talks with you about a details of medicare and the incidents of your coverage options for your area does not area into any plans with them.

Charise Karjala · Answer

Charise Karjala educates clients who are new to Medicare by breaking down the complex system into clear, manageable parts. She starts by explaining the basics: what Medicare is, who qualifies, and the differences between Original Medicare (Parts A and B), Medicare Advantage (Part C), Prescription Drug Plans (Part D), and Medicare Supplement Insurance (Medigap).

Charise uses easy-to-understand language, avoiding heavy jargon, and encourages questions throughout the process. She often provides visual aids, handouts, or personalized summaries to help clients compare their options side-by-side. She walks clients through timelines—like when they need to enroll to avoid penalties—and helps them assess their personal healthcare needs and budgets to determine the most suitable plan.

Charise also stays patient and empathetic, recognizing that Medicare can feel overwhelming, especially for those transitioning from employer coverage or the individual market. She offers both in-person and virtual meetings, giving clients flexible ways to learn at their own pace. Her goal is to ensure clients feel informed, confident, and empowered to make decisions that best support their health and financial well-being.

Mark Cunningham · Answer

When I first meet with a client who is new to Medicare, I start by introducing Medicare Part A and Part B. I ask if the client has already enrolled in both parts. If they have not, I offer guidance on how to complete the enrollment process for Medicare Parts A and B. If the client is already enrolled, I provide a thorough overview of the benefits and coverage included in Parts A and B. I also explain the various options for obtaining additional coverage, making sure to clarify the differences between Medicare Supplement (Medigap) plans and Medicare Advantage plans. Once these topics have been addressed during our meeting, I proceed to discuss Hospital Indemnity and other supplemental plans that cover gaps not addressed by Medicare Parts A and B, Medicare Supplement, or Medicare Advantage plans.

Answered by Mark Cunningham on November 24, 2025

Agent Licensed in CO, FL, GA & NE, VA, WI & WY

Answered by Mark Cunningham Medicare Insurance Agent

Samantha Jellison · Answer

We start with a very basic, easy to follow "Medicare 101" conversation. We go over what all the Parts (A,B,C and D) are and what options are available, from Original Medicare (Parts A and B) with a Prescription Drug Plan (Part D), to Medicare Advantage Plans (Part C) to Medicare Supplements with a Prescription Drug Plan. We talk about your individual needs, such as your doctors, your prescriptions and what is important to you in a healthcare plan. We also talk about timelines and how to avoid penalties and loss of options. 
The goal is to make it something that doesn't feel so intimidating, yet gives you the opportunity to feel empowered to make the right choice for your healthcare needs

Joshua Allen · Answer

We have found that it is best to break down the "Road to Medicare" in 4 easy steps:
Step 1: Do I need to sign up for Medicare?  Not everyone signs up for Medicare when they turn 65.  This depends on the other insurance options available to you.
Step 2: If yes, how and when do I sign up for Medicare?  It is important to not mess up your Initial, Special, or General Enrollment Period because you could be unnecessarily paying penalties for the rest of your life!
Step 3: Deciding between Original Medicare and Medicare Advantage.  There are 2 fundamentally different ways to get your Medicare benefits.  This decision will have a major impact on your cost and coverage details moving forward.
Step 4: Picking an insurance company.  An independent insurance agent can comparison shop plans from multiple companies to get you the best fitting plan.
If you follow these 4 steps, the "Road to Medicare" will be safe and pleasant!

Jajuan Knox · Answer

When I work with someone who’s new to Medicare, I start by breaking it down into simple, easy to understand pieces and explaining Original Medicare, Medicare Advantage, Part D, and any supplemental options without using confusing jargon. I focus on their personal needs: what doctors they see, what prescriptions they take, and their budget, so they can see how each plan would actually work for them.
I also make sure they know the timelines and rules, like enrollment periods and how changes work, and I’m always available to answer questions as they come up, so they feel confident making the right choice.

Mark Zaruba · Answer

I like to make an appointment, either in their home or, if they prefer, stop into our office around four months before their 65th birthday and give them an easy, short booklet put out by my home office or of the many Medicare companies which I am contracted with and go through the booklet slowly so they can understand, or at least get a good idea of what to do next. It is very important for them to know they must apply for Medicare at least three menthe before their 65th birthday (or 24 months after receiving Disability income from social security) If they are turning 65 and choose to collect Social Security during this time, they automatically will be enrolled into part B of Medicare, which will take the annual premium of just over $200/mo for 2026. In a case where they want to continue working and want to continue on the employee insurance, they may want to call Social Security and ask to decline to have the Part B premium taken out of your social security check each month. I then make sure they understand all their options with Medicare plans. If they don't have a company plan ,it is highly recommended to combine their original Medicare (Part A and B). They must be told that they will need a credible prescription drug plan in place, even if they have no medications. They must understand that if they don't have credible prescription coverage, they risk a penalty, increased each month if they don't have one within 63 days of receiving part B. Communicate with them once a week or so by phone to make sure they grasp the sometimes-complex Medicare options. Generally, they will understand and be competent and educated enough to make the more detailed decisions about their Health and costs during their Medicare years.

Answered by Mark Zaruba on March 2, 2026

Agent Licensed in WI & IA

Answered by Mark Zaruba Medicare Insurance Agent

Steven DiPaolo · Answer

I offer a 20-30m presentation which I call "The 3 paths to Medicare" where I go over Original Medicare, Supplements and Advantage plans with the pros and cons of each path, general costs and important timelines/restrictions. 

While Original Medicare is not typically recommended, I make sure that is well understood as it is the basis of the other two paths.

The main purpose is to provide general details and establish the vocabulary beneficiaries should know. 

Afterward, I encourage them to do some of their own research such as read articles or watch videos that explain specifics now that they are generally educated, and those materials will be more helpful and make more sense.  

From there, we have further discussions to answer their questions and go into specifics about the path that suits them best.

Ami Fouts · Answer

Part A is your hospital coverage, there is no charge for this, as you've paid for this your entire working career through payroll deduction. Part B is your doctor and outpatient coverage, and depending on your income, is technically A fixed rate monthly. Folks that have had a higher rate of income may be subject to pay more monthly for their part B. Medicare Part B covers 80%, so you would be responsible for the 20% that isn't covered, that's where having a Medicare Supplement plan is important, along with a Part D plan for your prescriptions. Folks that don't sign up for a Plan D are subject to a 1% monthly penalty for every month they don't have a Plan D prescription plan through the government.

Answered by Ami Fouts on March 27, 2025

Broker Licensed in NH, CT, MA, ME, NC & TN

Answered by Ami Fouts Medicare Insurance Agent

David Brown · Answer

We educate using our complete enrollment guide.  This guide goes through the process of:

- When to enroll in Medicare (either at 65 during your IEP or after 65 during your SEP)
- How to enroll in Medicare - what forms are needed and why
- What are the costs and coverage of Medicare (and why it's not good enough by itself)
- Coverage Options after enrolling in Medicare and their costs (Medicare supplement vs 
    Medicare Advantage)
- We explain how to shop plans - both the Medicare supplement and Medicare Advantage plans 
   with the 5 Key Benchmarks

Nancy Courser · Answer

I start with the fundamentals and explain in easy to understand terms Part A (hospitalization), Part B (medical services), Part C (Medicare Advantage plan), Part D Prescription Drug Coverage. Then I talk about how to fill in the gaps because Medicare doesn't pay for everything and there is a cost for Part B this year of $ 202.90/month based on the person's income. Keep it simple and then add to this knowledge/understanding by introducing discussions about two different options to fill in the gaps: Medicare Advantage or Medicare Supplement (Medigap). This education can be done in person (my preference), over the phone, or zoom meeting.

Answered by Nancy Courser on June 15, 2026

Agent Licensed in MI, FL & TN

Answered by Nancy Courser Medicare Insurance Agent

Meghan Blankenship · Answer

When I work with clients who are completely new to Medicare, I start by simplifying the process and focusing on what matters most to them. I break Medicare down into its basic parts A, B, C, and D then explain what each one covers in everyday terms, avoiding slang. I also help them understand important enrollment timelines and how costs like premiums, deductibles, and copays work.

Then, I take time to understand their personal health needs, budget, and any medications they take. This helps me guide them through their plan options and make sure they feel confident in their choices. I always remind them that there’s no such thing as a silly question. I’m here to support them every step of the way.

Lori Gobep · Answer

New to Medicare clients are educated with a Medicare 101 discussion which includes explanation of all the parts of Medicare.  Part A, Part B, Part D and Part C (Medicare Advantage Plans) and Medicare Supplement Plans.
Each Part of Medicare is explained regarding the costs, what is covered and how it works.

Other topics would include the timeframe for signing up for Medicare, The income-related monthly adjustment amount (IRMAA). The Medicare Savings Program guidelines and Part D Extra Help Program.

Steve Thornton · Answer

Start with the basics:
	•	What Parts A, B, C & D mean
	•	The difference between Original Medicare vs. Medicare Advantage
	•	What’s covered, what’s not, and what it costs

Then help them understand key decisions:
	•	Do they need a drug plan?
	•	Should they consider a Medigap or Advantage plan?
	•	What plans fit their doctors, meds, and budget?

Keep it simple, use visuals when possible, and give them room to ask questions — clarity builds confidence.

Karen Ansell · Answer

I start with the basics. I explain how Medicare Parts A & B work and then show them their Medicare Supplement options. I get a list of their medications and show them the best Part D prescription plan for them.
Next I explain their is a second option that replaces their Medicare benefits with Insurance companies plans which are called Medicare Advantage plans.  The plan I would show them would depend on their doctors, medications, hospital and pharmacy choices. I normally show them an HMO and a PPO plan explaining the HMO requires referrals to see specialists.
These plans also may require prior authorization for certain services.

Carmen Zorrilla · Answer

Educating clients who are new to Medicare can be a daunting task, but I believe it's essential to empower them with knowledge to make informed decisions about their healthcare.

When working with clients who are completely new to Medicare, I take a step-by-step approach to ensure they understand the basics.

First, we start with the fundamentals:
1. What is Medicare, and how does it work?
2. The different parts of Medicare (A, B, C, D, and supplements)
3. Eligibility and enrollment processes

Next, we dive deeper into the specifics:
1. Understanding the costs associated with Medicare (premiums, deductibles, copays)
2. How to choose the right Medicare plan for their needs
3. The importance of timely enrollment to avoid penalties

Finally, we review and discuss:
1. How to navigate the Medicare system
2. Where to find additional resources and support
3. How to review and adjust their Medicare plan as needed


If you have questions or would like to schedule a consultation, please don't hesitate to reach out. 
I'm looking forward to helping you optimize your Medicare coverage and maximize your benefits!

Sonya Fortner · Answer

I educate clients who are new to Medicare by going over a presentation that I update yearly. I call it Medicare 101. In it, I go over what are the different parts to Medicare, Parts A, B, C, and D. When you are eligible to enroll, called initial enrollment period (IEP) and all of the special enrollment periods(SEPs). Who is eligible to enroll in Medicare, and how to enroll in Medicare. I offer to help if needed. Also, then I do a plan review, or ask them a series of questions. That will allow me to help them pick a plan that is right for the client, because one plan is not perfect for everyone. I explain the importance of looking up medications and offer to do that for the client as well as physicians, and pharmacy.

Answered by Sonya Fortner on April 14, 2025

Agent Licensed in AL

Answered by Sonya Fortner Medicare Insurance Agent

Brittany Garrison · Answer

This question actually comes up for me every single day. 

The truth is Medicare can feel like you're learning a different language. Part A, B, C, D... Advantage vs. Supplement... for most people, it's so many details that it becomes overwhelming. 

I educate in a few ways:
1) Webinars -- I host a weekly webinar called "How to Prepare for Medicare" where we break down all the steps in regards to getting started with Medicare. 
2) YouTube -- I started a Youtube Channel Dedicated to educating new clients on Medicare in the Simplest way possible. 
3) Guide -- I give my clients a free Medicare Planning Guide that simplifies the Medicare jargon 
4) Start Smart Book -- I give my clients a free book as well that helps navigate. 
5) LinkedIn -- I have a Newletter called "Medicare Made Simple" that has a ton of common questions about medicare and medicare transitions.
6) Tiktok -- I couldn't believe it but there are a TON of clients I've met through short simple understanding videos on Medicare. 

Because I hear from you all daily, I want to help simplify the complexity of Medicare to help all my clients not only feel a sense of direction but personal empowerment not just with how I can help but with WHAT you now understand!

Misty Bolt · Answer

Hi, I'm Medicare Misty with Medicare Minutes, and thank you for reaching out today. One of the questions I get all the time, and one of my favorites, is: How do you educate clients who are completely new to Medicare? This is one of my favorites because I think I'm a teacher at heart. I use a Medicare 101 book, and it explains what Medicare A is, what Medicare B is, and what they cover. Once I explain what Medicare is, what they cover, and how much it costs, I go over the options of the two different paths you can take, whether it's a Medicare supplement and drug plan or a Medicare Advantage plan. Then I break those down based on what they are, and you make a decision on whether you want to go the supplement route, which is a little bit more expensive but has more coverage, or if you want to go the Advantage plan route that has more benefits. I break it down in more detail than I just did, but I make sure that you understand the ABCs of Medicare. Then you understand what the two options are, and we try to find what best fits you, what you have now, and what you don’t like. I try to make it as easy as possible because when I started 20 years ago, I remember telling someone, "I'm never going to understand this," and I'm so glad I didn't give up. So you have me as your expert, Medicare Misty. If you need more help, I'd be glad to break that down for you some more. Hope you have a great day.

Brian Krantz · Answer

I start by explaining Medicare Parts A and B — what they cover and what they don’t. Then I walk them through their two main options: either add a Supplement and Part D, or go with a Medicare Advantage plan. I also make sure they understand how state rules can impact their choices. Every situation is different, so I keep it clear and personal.

Answered by Brian Krantz on March 25, 2025

Agent Licensed in NY, AK, AL & 48 other states

Answered by Brian Krantz Medicare Insurance Agent

Tyler Dalton · Answer

I open things up by asking what they’ve heard about Medicare, what type of plans their friends have, etc. Then we break down the parts of medicare 
Part A is your hospital coverage
Part B is your doctor/ outpatient
Part D is your prescription club

Advantage plans are the all-in-one bundle and are medicare replacement.

Then I either send them to our next Medicare 101 workshop, where they see it laid out on a single timeline and can ask questions—or we sit down one-on-one with a simple worksheet and a follow-up to iron out whatever’s still fuzzy. 

That blend of group energy and personal attention is what turns “Medicare who?” into “Medicare got it.”

Jolynn Allen · Answer

I show every client both Medicare options. You can go with the one card system of Medicare Advantage or the three card system of Original Medicare, plus Medicare Supplement and a Prescription Drug Plan. I have a simple way of showing both options. Even if a person insists they know what they want I show both because many are confused about the two options and you will always wonder what the appeal of the other option is if you don't understand both.

Answered by Jolynn Allen on March 25, 2025

Agent Licensed in CO

Answered by Jolynn Allen Medicare Insurance Agent

William Pierce · Answer

I start by breaking Medicare down into simple terms, explaining the four parts (A, B, C, and D) and how they work together. Then, I walk clients through their coverage options, costs, and enrollment timelines, focusing on what matters most to their specific needs. I also provide easy-to-understand materials and encourage questions to ensure they feel confident in their choices.

Answered by William Pierce on March 25, 2025

Agent Licensed in IA, MO & NE

Answered by William Pierce Medicare Insurance Agent

Ronnie Rosenberg · Answer

I start with the basics.  I explain how Medicare works, including Part A & Part B, and that they need to have prescription drug coverage in some form, either with a PDP or in a Medicare Advantage plan.  I then explain the options for picking up the difference either with a Medicare Supplement plan or Medicare Advantage.  
I take into consideration what they currently have, what they like about it, and what they don't like.  I also take into consideration the doctors that they see, and which ones they must have access to, their prescriptions, and budget.   
We then come up with a plan that best meets their needs, all at no cost or obligation!

Cynthia Nakaya · Answer

When helping clients new to Medicare, I go over their current coverage. If they have a retirement plan, I recommend they discuss their need for Part B Medicare with their benefits administrator. I walk them through the process of applying for original Medicare. Even if I don't sign them up for a plan, my reward comes from knowing they know what to do!

If a client has no retirement plan, I educate them on Original Medicare and go over options for additional coverage. This includes Medicare Supplement as well as Medicare Advantage. If the client is low income, I also help them apply for extra help, so the financial burden of prescription costs is lightened. 

I like to begin the conversation about Medicare a few months before my client turns 65 so they don't stress over the process. I'm also happy to help people who are already 65 and need assistance immediately.

Dorothy Lam · Answer

I use the chart that appears in the Medicare and You Handbook, which outlines in an easy-to-understand way, the option people have when going on Medicare. This chart gives me the chance to emphasize that I can provide insurance solutions for all these options. I consider myself a "one-stop-shop" for Medicare plans. I can also explain the other government program that operate alongside Medicare and encourage clients to enroll in these programs. There are a lot of moving pieces to enrolling in Medicare and the chart helps to put all the pieces together. This chart can be found on page 10 of the 2025 Medicare and You Handbook, which is mailed to all Medicare members annually.

Answered by Dorothy Lam on March 26, 2025

Agent Licensed in IL, IA & IN

Answered by Dorothy Lam Medicare Insurance Agent

Antonio Rodriguez · Answer

Great question! When someone is completely new to Medicare, I like to keep it simple. I start by explaining the basics — what Medicare is, the difference between Parts A, B, C, and D, and what each one actually covers. Then I go over their personal situation (doctors, prescriptions, budget) and break down their options in plain language so it makes sense.

From there, I help them compare plans side-by-side, explain the costs, and walk them step-by-step through enrollment so they never feel lost. Everybody learns differently, so I move at their pace and keep things as easy and stress-free as possible.

James Wareheim · Answer

If you're turning 65 and you're going to be new to Medicare, life kind of starts over at age 65. You're going to want to enroll in your Medicare Part A. If you're on a group plan and you have good coverage and prescription drug coverage, then that's where you can stop until you maybe come off your plan. But if you're not, you want to enroll in Part B.

Simply put, A is your hospital, B would be your doctor's outpatient. From there, you would have an opportunity to either enroll in a Medicare supplement to fill all your gaps. When you do that, you would still need a prescription drug card, or a Medicare Advantage plan, which there is an HMO, PPO, which most people would fall into those categories.

It really depends on where you're coming from. If you're coming out of a group health plan, there's some options for you. Depending on what you're paying, you may want to go with Medicare with a Medicare supplement. Depending on where you're at, you may want to go with a PPO plan because that's going to mirror most closely to your group. So there's some options there.

What I always suggest is reaching out, finding a good agent, whether they're referred to you from a friend or somebody that you find, an agent that you're researching. Do your homework. Get a good agent, somebody who's going to help you through this process, and then at the same time, be there for you when you have questions, and then on an annual basis to be able to say, okay, these things are happening, let's sit down and talk. So you always need to be able to sit down and talk with your agent. In many situations, they'll come to your house. In our situations, they come to our office. But you want to have a good agent, have that discussion.

Tonya White · Answer

I have a Medicare 101 discussion with them in how Original Medicare works, and their two primary paths which are either choosing a Medicare Supplement (also known as a Medigap policy) with a stand-alone Part D plan; or choosing a Medicare Advantage plan with Part D embedded works.  Those choosing a Medicare Advantage plan should have Part D included unless they get Part D from the VA or similar, otherwise there are a variety of issues too complicated to go into in this response.

We talk about how their healthcare experience, are they used to PPO-style care or HMO-style care and how their past experience of what they are used to may impact how they want to receive care - it's part of the "what's most important to you" conversation for healthcare.

Lisa Schaad · Answer

When someone is brand-new to Medicare, I start by keeping it simple. There’s so much information out there that it can feel overwhelming, so I focus first on the basics—what Parts A, B, C, and D are, and how they work together. From there, we walk through their personal situation—do they take medications, do they have doctors they want to keep, what’s most important to them in coverage.

I use plain language, no jargon, and I pause often to check if it’s making sense. I always tell people: “There are no silly questions—if you’re wondering about it, it matters.” My goal is that by the end of the conversation, they not only have the right plan but also feel confident they understand why it’s the right plan.

Rosalind Ryan · Answer

When educating clients who are new to Medicare, I start by breaking down the basics—what Medicare is, who qualifies, and the different parts (A, B, C, and D). I tailor the conversation to their personal health needs, medication, and doctor preferences, using clear, simple language to explain coverage options and enrollment timelines. I also address common misconceptions, provide trusted resources like Medicare.gov, and encourage open communication so they feel confident and supported throughout the process.

Answered by Rosalind Ryan on June 4, 2025

Broker Licensed in GA, AL, FL & 8 other states

Answered by Rosalind Ryan Medicare Insurance Agent

Andrew Dooly · Answer

When someone is new to Medicare, I usually start with the basics and break it down step by step. Medicare can feel overwhelming, so my goal is to simplify it so they understand how everything works. I also give clients a small book I created that explains Medicare in simple terms so they can review it at their own pace.

From there, we go through their specific situation. I help them enroll in Medicare if needed, review the plans available in their area, and determine whether a Medicare Advantage plan or a Medicare Supplement makes more sense for them. It’s a fairly detailed process, but taking the time upfront helps make sure everything is set up correctly the first time and gives them peace of mind.

Michael Denniston · Answer

The first thing to know is the basics of original Medicare. Explain part A explain part B and why a person may want or need a Medicare Drug approved plan. Explain the importance of enrollment periods. Lay out the difference between Medicare Supplement Plans and the very popular Medicare Advantage plans. Then we weigh out the pros and cons of each way to receive your Medicare coverage based on your needs now.

Answered by Michael Denniston on March 25, 2025

Agent Licensed in FL, AL, AR & 11 other states

Answered by Michael Denniston Medicare Insurance Agent

Lauryn Ivey · Answer

I conduct what I call a Medicare 101 class. I explain what Medicare is and is not. I explain what original Medicare covers, what each alphabet part is, A, B, D, and what they call Part C. I also explain how a Medicare Supplement Plan works, and I explain how the Medicare Advantage Plans work. I explain why a penalty could be assessed, and how to avoid them. I let them ask questions and I answer each question. I always want everyone to be educated so they can make the best decision for them, their needs, and their budget.

Answered by Lauryn Ivey on September 24, 2025

Broker Licensed in AL

Answered by Lauryn Ivey Medicare Insurance Agent

JP Richardson · Answer

This is a great question and a very important question. It is extremely important that Brokers/Agents education their prospects and clients on a regular basis. For those that are new to Medicare I conduct a 45-60 minute Medicare 101. In this meeting we go in depth on the parts of Medicare and also when and why you need to apply for the different parts. This is extremely important so that they can avoid late enrollment penalties, but also not pay for more than what they need. We very rarely discuss specific plans during this meeting and schedule a follow up to meet a second time and go over specific plan benefits and help guiding them so they can choose the plan that best fits their unique situation.

Answered by JP Richardson on September 22, 2025

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

Answered by JP Richardson Medicare Insurance Agent

Hector Oceguera · Answer

When I work with clients who are completely new to Medicare, I start by simplifying the process and focusing on what matters most to them. I break Medicare down into its basic parts A, B, C, and D then explain what each one covers in everyday terms, avoiding slang. I also help them understand important enrollment timelines and how costs like premiums, deductibles, and copays work.

Then, I take time to understand their personal health needs, budget, and any medications they take. This helps me guide them through their plan options and make sure they feel confident in their choices. I always remind them that there’s no such thing as a silly question. I’m here to support them every step of the way.

Alison Hummel · Answer

I help clients who are completely new to Medicare by first having a conversation about Medicare. It's just so I can get to know the client, when they are enrolling and what they need to know.

Then we take it to the next step which is to have them fill out a scope of appointment form (basically similar to a release form) so we can speak specifically about plan benefits and enrollment periods. I can send this over text or email and its really easy to fill out. 

They can include their doctors, hospitals and prescriptions on the form and then I can identify the plans that best meet their needs before we get onto the next call. 

The process is usually two calls but sometimes it takes three if the person needs some extra time. I also have content on my instagram page @aktivatedhealth

Lynn Mut · Answer

When initially meeting with a new to Medicare client, I go over the following:

*How and when to enroll in Medicare
*Explain the different parts of Medicare
*Eligibility and enrollment timelines
*Educate on the difference between a Medicare Advantage vs Supplement
*Prescription drugs and how they are covered
*Conduct a personal fact finding health outline so that I can recommend plans

Joseph Barrows · Answer

I first review the benefits of Original Medicare Parts A and B. Then I explain the concept of the Part D Prescription plans. When those are understood by the client, then we discuss the benefits of adding a Medicare Supplement, Part D drug or a Medicare Advantage plan to the Original benefits. Explaining the benefits and limitations of these options is critical to helping clients make educated decisions. I focus educating the client, not selling products.

Answered by Joseph Barrows on March 27, 2025

Broker Licensed in CO, AR, AZ & 21 other states

Answered by Joseph Barrows Medicare Insurance Agent

Helena Foutz · Answer

I give them a little history of Medicare and explain the two different ways one can take their Medicare coverage - either Original Medicare with a Supplement and a drug plan for the least restrictions, or a Medicare Advantage plan that also includes other benefits, like transportation, an over-the-counter (OTC) catalog, dental, vision, and more depending on their plans in their area.

Answered by Helena Foutz on March 4, 2025

Broker Licensed in CA, AK, AR & 13 other states

Answered by Helena Foutz Medicare Insurance Agent

Andrew Firmin · Answer

Okay, you're new to Medicare. You're approaching Medicare. How do you get educated about Medicare? Well, you can do it on your own. There's a number of extremely useful websites, like Medicare.gov, and a number of Medicare one-on-ones on YouTube. That can all be very good resources for you to learn about Medicare. Additionally, there should be a number of seminars or resources within your local community, either put on by insurance companies, local Councils on Aging, or senior centers, as well as independent Medicare planning advisors in your area. Those are all excellent ways to learn about Medicare and to understand what Medicare covers, what it does not cover, and your options to fill the gap.

I think some of the places you shouldn't learn about Medicare are while your friends and family are well-intentioned and mean well. We don't know what we don't know. So obtaining advice from a friend or family member could be detrimental to your health coverage and financial wellness. Additionally, a lot of people rely on their doctor's office. Now remember, doctors, and particularly the people at the front desk, I don't mean to disparage these folks. They're exceptional at what they do, but they are not taking into consideration your financial well-being, your financial means, and your overall total health care coverage requirements. They can be a good source for information, but in taking advice about what plan you should or should not enroll in, you should be speaking to a licensed Medicare planning advisor with the best advice in your area.

I hope that helps. Until next time, be healthy and be well.

Donnie Vermillion · Answer

I explain that it's a good idea to go ahead and set up your my social security account online. Even if you are not ready to receive benefits you can set it up now so that when you turn 65 you will be automatically enrolled in medicare. 

Part A = Hospital Stay - Part A is free for most

Part B = Medical - Part B everyone pays a premium - for most $185 - but based off income, your 
                tax return from 2 years back 

Part C - Combines Part A/B with coverage from private insurance companies, could include 
                prescription drug coverage.  

Part D - Prescription Drug Coverage

Joel McKinney · Answer

The first thing I do find out if they have learned, whether correctly or incorrectly, anything about Medicare. If they have not, I do a presentation whether in person or over the phone and modify it based on feedback or questions they have. I don't just spout off information. I tell them to interrupt me when a question arises. 

If they do have information, I listen and decide if they are on the right track or not. Either way is fine. Medicare is complicated so I understand if things don't quite make sense. After hearing what they know, I adjust. 

The most important things are comfort and communication. I hear too many conversations where brokers or carriers will argue or fight with a potential client over the simplest things that just needs explained in a different way. Most of my clients would tell you that we talk about all kinds of things. I have some that call me to tell me about a recent event or their families...I just happen to help them with Medicare in the process.

Kristen Skinner · Answer

I make them fill out a Senior Fact Finder which lets me know what kind of plans they already have in place and what plans they need. Like are they a likely candidate to go to the hospital frequently, do they take a lot of medications. All of these are important to letting me know what kind of plans they might need. Then I make sure I look up all of their doctors and prescriptions and make sure they are in network or are covered. I go over the deductibles, MOOP, and what the plans do not cover. I have to make them fill out a Scope of Appointment first that gives me permission to do all of this.

Answered by Kristen Skinner on March 16, 2026

Broker Licensed in OK

Answered by Kristen Skinner Medicare Insurance Agent

Sean Davis · Answer

I begin by simplifying the concept of Medicare, explaining it as health insurance for people 65 and older. Next, I break down the different parts, like hospital coverage (Part A) and doctor visits (Part B), I use easy-to-understand terms. Visual aids and handouts help reinforce the information. Finally, I invite questions to make sure everything is clear and they feel confident navigating their options!

Answered by Sean Davis on March 26, 2025

Broker Licensed in NY, LA, MD & 6 other states

Answered by Sean Davis Medicare Insurance Agent

Lauren Fodde · Answer

Great question! When someone is new to Medicare, I start by breaking everything down into clear, simple steps. I will discuss how Medicare works (basics of Part A, Part B, and what they do). Your doctors and prescriptions, your budget and what is most important to you. The difference between a Medicare Advantage plan and Medigap. Your enrollment timeline so you know exactly when to apply and what to expect.

Answered by Lauren Fodde on November 19, 2025

Broker Licensed in MO & FL

Answered by Lauren Fodde Medicare Insurance Agent

Melanie Rogers · Answer

My first meeting is a Medicare 101 education meeting, and I explain Medicare A, B, C, and D. I explain Medicare A and B costs. How to enroll. When to enroll. The pros and cons of Medicare Advantage vs Medicare Supplement. Possibly comparing their choice of work Health plan vs Medicare, if that is an option to continue on the work plan. We usually meet for a second meeting once they have their Medicare card to review medication, and doctors decide, and then enroll in a plan.

Answered by Melanie Rogers on April 16, 2026

Agent Licensed in FL, GA, OH & TX

Answered by Melanie Rogers Medicare Insurance Agent

Michelle Sparks · Answer

I conduct an intake meeting to collect information about what an individual is looking for in a health plan. I then share the basics with them on Original Medicare, Medicare Supplement Plans as well as Medicare Advantage Plans. Once I understand their health needs, I pull together comparisons for them on all to ensure they have all the information necessary to make a well informed decision. Our second meeting is to discuss any questions they may have regarding the comparisons shared. I believe strongly that all individuals should fully understand all their options- in order to make the best decision.

Mary Turner · Answer

When I meet with a new Medicare client I review a Medicare checklist that shows the costs of Medicare and what is and is not covered.

Next I ask some basic questions to determine if they qualify for extra help or need to pay a higher premium for their part b and part d.

Then we review the options available and the differences between a Medicare supplement and Medicare advantage plans and determine which path they prefer.

Tony Capraro III · Answer

WE have a power-point presentation explaining in detail how Regular Medicare works.  We describe in detail what the Deductibles are for Part A and Part B and what the "out of pocket" costs are after Medicare pays its portion. We will always let clients know that Medicare on its own may OPEN them up to Major Financial losses due to their Health care costs. We then go through:  Medicare Supplement/Medigap and Medicare Advantage Plans- the Pros and Cons of each plan. This allows the client to make their own decisions on what's best for them.  The fact that we can offer both types of plans is a huge PLUS to our clients!  Let us help YOU!

Katherine Griffin · Answer

I start by educating what Medicare A and Medicare B cover and what gaps it leaves. Then I review how Medicare supplements and standalong drug cards work versus how Medicare advantage plans work. I discussed what people feel are the pros and cons of each. This helps people decide what fits their personal situation best.

Adam Simon · Answer

I do this in a couple of ways:

1.) Educational Seminars, both online and in person. This is "Medicare 101" for anyone who is nearing Medicare age or family of someone who is. We go in-depth into Medicare from A to Z and help those in attendance understand and unravel Medicare. It should not be this complicated or complex! My sole aim through these is to Make Medicare SIMPLE.

2.) One-on-One Education. This is my primary means of helping to educate clients new to Medicare. Whether in-person, Zoom, or over the phone, I am honored to walk through Medicare and the options available to whomever calls, text, or emails me anytime!

Anthony Lucero · Answer

I walk them thru a Medicare 101 presentation so they understand how original Medicare works by itself and their exposure. Then how prescription drugs are covered. Once they understand that I show them their different options on how to cover their exposures with Medigap or Medicare Advantage that way they make their own decision on which plan fits their personal circumstances.

Rick Boyd · Answer

I Start off with the basics of Medicare explaining the costs and requirements, then move to the differences between Supplement, and Advantage plans. If there is a short up to date carrier approved video, I may also show it to the client. Asking what their needs and longer term goals for their care is also important. This all occurs before a Scope of Appointment, Providers, Medications, and specific care is discussed.

Hannah Skinner · Answer

It helps to start with some "homework". Watching videos, reading the "Medicare and Me" handbook, and doing research online is a great way to prep your learning experience. It is really important to understand the basics of Medicare before jumping into learning about secondary plans like Medigap or Advantage. What do Part A, B, C, and D cover? What are the copays and deductibles associated with these parts? Once you have that foundation, it makes it so much easier to add on to it.

Kevin Chaikin · Answer

We start at the beginning with Medicare 101.  Review A, B, C, D.  Medicare supplement vs. Medicare advantage.  Pros/cons of each.  Enrollment availability of each type. Ultimately, providing enough education for you to make decisions that are best for yourself based on our recommendations.

Derek Rogers · Answer

Educating clients new to Medicare involves simplifying complex information using Medicare 101 webinars/seminars, one-on-one consultations, and,visual aids to explain Parts A, B, C, and D. Focus on key enrollment dates, costs, and covering gaps in original Medicare. Key strategies include using,plain language, providing,print-friendly resources, and,offering,tailored advice to build trust.

Celeste McGrath · Answer

As a licensed Medicare broker, I have a Medicare 101 presentation that I have put together that goes over all of the basics of Medicare and the plan types available that also showcase the pros and cons of each without steering into one plan type or the other. I listen to you on what you want and need.  Most people will know after a Medicare 101 which type of coverage they would prefer. And if not, we can delve a little deeper into them.

John L Herman Jr · Answer

Education is the start of building trust.  Not just talking about Plans and options…but starting with guidance in applying for Medicare, whether to get both “A” and “B’…You must first educate the client on how your got to this point as a Broker. Some clients are still working and already have “credible” insurance and don’t need Part “B” yet.

Educate the client on who you are, why you are there…and then step-by-step methodically go through the application process and once the client has their Medicare Card…explain all options based on the client’s health, Doctors, Prescriptions, and budget to find the right Plan.

Every client is unique.  Every client takes different meds, has unique health issues…and has resources or none that make budget issues a realty that a professional Broker can help give the client advice so that the client can make the most informed decision.

Alyssa Gonzales · Answer

The question is how do you educate clients who are completely new to Medicare? Welcome to the club. This is the first thing that I say, and then I encourage them to attend a Medicare 101 webinar seminar. An in-person event. You want to treat this as something that, hey, you don't really major in. You didn't go to work for this. You didn't get a degree in this. You want to seek a professional and attend multiple events. Whether it be online, I personally do a Medicare 101 webinar. I'd love to send you information about it. Just get in contact with me. I'll send you the recording. But also attend other events. This is how you get to know the broker, the person behind the recommendation. And you get to know the person so that they can get to know you, and then they can recommend a plan based on your specific needs. Customization is the best approach to Medicare. But first, you have to approach it from an educational point of view. So just like anything, you want to learn about it a little and then speak to a professional about it. Good luck.

Joshua Cooper · Answer

When someone is brand new to Medicare it is critical to understand their current health, their risk tolerance, as well as their income and ability to pay premiums.
I always educate New to Medicare individuals on both options for additional coverage being Medicare Supplement (more costly, but generally better quality of care). Or. Medicare advantage (less costly upfront but consist of copays and max out of pocket).

Steve Korts · Answer

I like to sit down in person and go over the basics, what parts do what and their costs. Then we talk about the 'fork in the road' regarding Medicare insurance. Either going with a Medicare Supplement plan and Part D Rx plan OR going with a Medicare Advantage plan. I go over the pro's and con's of each and then we can talk about specific plans in both categories.

Vernon Jones · Answer

I give them a little history of Medicare and explain the two different ways one can take their Medicare coverage - either Original Medicare with a Supplement and a drug plan for the least restrictions, or a Medicare Advantage plan that also includes other benefits, like transportation, an over-the-counter (OTC) catalog, dental, vision, and more depending on their plans in their area.

Answered by Helena Foutz on March 4, 2025

Broker Licensed in CA, AK, AR & 13 other states

Deborah Webster · Answer

I sit down with each prospect and give them a Medicare 101 that includes many different things. Discussion on the parts of Medicare and how they function: Discussion of Medications, doctors, and overall areas of concern for each individual. Expected costs and plans that can help cover gaps in Medicare coverage. I also do group settings in a public location that is free to the public to listen and learn all the aspects of Medicare.

Martin Meyer · Answer

I like to educate my clients on what original Medicare covers and what does not cover, that way they understand why they need additional coverage. Then I explain the difference between Medicare Supplements, Drug Plans, and Medicare Advantage, the pros and cons of all, and help them understand what will be best suited for their needs and budget.

Bill Filer · Answer

There is a lot to consider, and important decisions to be made. The best place to start is to determine where clients are at in terms of their Medicare knowledge, their experiences, and preferences. From there, I would normally make certain clients understand the nuts-and-bolts of Medicare (Parts A, B, C, D, and so on). With that foundation we would then want to determine eligibility and start to build a plan.

Grant Hamilton · Answer

My employer offers what we call a "Medicare 101" webinar introduction two times each month up to the time when the Annual Enrollment Period (AEP) starts in October.  These webinars are designed to have many clients watching the presentation.  

We also offer individual meeetings in our local offices, by phone or by Zoom.  Based on feedback, most clients appreciate the breakdown of terms and options between Supplement and Advantage Plans.  We give them a nice full color brochure to take home for reference. 

Ideally, we want the potential client to do a seminar during their initial enrollment period.  We want to bulld upon the knowledge and schedule an appointment after they have received their Mediare card.

Sheri Sisler Moore · Answer

We educate our clients on what Medicare covers and what it doesn't cover.  Then we review their different options on what is available to them to supplement Medicare.  They can go one of three ways, stay on Medicare A&B only, supplement that with a Medicare Supplement/Medigap plan along with a Stand-Alone Prescription Drug Plan, or elect to go with a Medicare Advantage Plan.  We gather pertinent information from them to do complimentary research and hold a meeting with them, either in person or virtually to review their options and determine what best suits their specific needs.

Michael Andrews · Answer

I personally like to physically draw out the A, B, C, D's of Medicare on paper to help create an understanding of part A and B as well as the additional options you have. I educate on all the available options specific to my client's needs so that way I help empower them to make a properly informed decision.

Kenneth Mahaffy · Answer

Listen to their questions. Explain the differences between Parts A, B, C and D.  Explain the differences between Medicare Supplemental plans and Medicare Advantage plans. Make sure beneficiaries understand the costs associated with the different plan coverages.

John Swain, CEBS, RPA · Answer

I start by having clients fill out a short questionnaire so I can understand their doctors, prescriptions, and healthcare needs. From there, I walk them through Medicare basics and break down their best plan options based on coverage and cost. My goal is to make Medicare simple and ensure they get the right plan for their needs.

Leslie Kaz · Answer

I don't teach Medicare, I translate it to normal speak. Start With the 10,000-Foot View (Before Any Plan Talk)

First, explain what Medicare even is in human language:

Part A = Hospital

Part B = Doctors & outpatient

Part D = Prescriptions

Part C (Medicare Advantage) = “A + B + D bundled with extras”

👉 No premiums yet. No numbers yet. Just structure.

Leslie Helene Sussman · Answer

As a Medicare Broker reviewing the ABCD's of Medicare with my clients.    I also have a You Tube video: Basics of Medicare.

Part A - Medicare Hospital Insurance
Part B-  Medical Insurance
Part C-  Medicare Advantage
Part D-  Prescription Drug Coverage

*My clients are important to me - there is never a cost for my services.   As your broker you will have lifetime support from me on more than just help selecting your Health plan but also: Carrier billing errors, rate shopping, appeals, Prescription coverages, local resources and SO much more.

David Ryerson · Answer

In my first meeting with a new client, I always take time to give them a high level overview of what Medicare is; the different parts, the basic costs associated with each, etc. We also discuss the good and bad of advantage plans, supplements, drug plans, and original medicare. It is very important to me that my clients understand what they have, not sign up purely because I recommended something. It is your coverage, not mine. Enroll in what works for you!

Cassandra Mancuso · Answer

I keep it simple and personal – I’m a sit at the kitchen table, kind of gal. I break Medicare down into the basics; what parts A, B, C, and D actually mean, how they work together (or don’t), and what options make the most sense for your health and budget. I explain the difference between original Medicare and advantage plans in plain English, not insurance jargon. My goal is to make you feel confident in your choices and never overwhelmed.

William Lawler · Answer

I help clients who are new to Medicare by taking the time to explain what Medicare is, what Medicare does and how it applies to the client. I email a primer on Medicare to clients early in the process which helps them understand Medicare and how to proceed.

Adam Ashby · Answer

A full service broker will offer several different options.  Our office does education presentations on a regular basis and we also offer one on one meetings.  While the education setting is nice, sometimes those personal questions go unasked.  My preference is to meet with a client up to 3 months before they are Medicare eligible to do a lengthy discussion of needs and options.  Being given time to digest the information and research the best choice is critical.  Do not be bullied into a choice - make sure that the person you are meeting with asks questions and listens to your response.  It will make all the difference.

Mitch Anderson · Answer

I start by explaining how Medicare works and how the pieces fit together. Then I illustrate the similarities and differences between options. This helps to create a package of personalized solutions, not just a list of plan options.

Cody Hebden, MBA, CLU, FLMI · Answer

Picture Medicare Part A & B as this. You're in a hospital room. The room and the bed itself is Part A (hospital) and anytime someone comes into the room or plug something into you, that's Part B (medical). Part D is the coverage for drugs (D as in Drugs). The problem with Original Medicare is that there is no annual out-of-pocket maximum. And that's where private insurance comes in - to help cap your financial exposures and reduce or eliminate your out-of-pocket costs.

Christine Brewer · Answer

I explain Medicare in simple steps, starting with the basics of Parts A, B, C, and D and how they work together. Then I review their doctors, medications, and budget so they understand their options and can choose confidently.

Czarida Leyco · Answer

I present them the CMS approved powertoint slide presentation Getting Started with Medicare which provides a thorough breakdown of all parts of Medicare from qualifications, Parts A, B, C, D, enrollment dates and penalties. I answer all questions the client has and make sure they have a thorough understanding and informed in order to make the right decision on the best plan option that serves their needs. I can do this in person appt or Zoom video calls.

Jeffrey Fraas · Answer

I provide the client a copy of the Choosing a Medigap Policy booklet from CMS and go over the first 13 pages with them.  This helps clients get a better understanding of Medicare basics.

David Wynne · Answer

If you're new to Medicare, I’m here to make the process simple and stress-free. I’ll walk you through the basics like what Medicare covers, where the gaps are, and the difference between options like Medigap and Medicare Advantage. My goal is to give you clear, honest information so you can confidently choose the plan option that fits your personal health needs and budget.

Shawn Brown · Answer

I educate clients who are completely new to Medicare by using a simplified process I’ve refined over the past 11 years. My goal is to break down the complexities of Medicare into clear, easy-to-understand explanations, ensuring clients can make informed decisions without feeling overwhelmed. I walk them through the key differences between Original Medicare, Medicare Supplements, and Medicare Advantage in a way that is straightforward and relatable.

In addition to one-on-one consultations, I also host quarterly Medicare education seminars called "What Baby Boomers Need to Know About Medicare." These seminars provide an open, informative space where seniors can learn about their options, ask questions, and gain the confidence they need to navigate their Medicare journey. Whether in a seminar setting or a personal meeting, my priority is always to empower clients with the knowledge they need to choose the best plan for their needs and budget—without unexpected surprises.

Gene Page · Answer

Medicare is complicated. The industry does not make it any easier by the use of similar names or acronyms. Parts A, B, C, D... plans A, B, C, G, and so on. Medigap is the same as a Supplement.  MA, MAPD, PDP, HMO, PPO, HMO-POS, Co-Pays, Deductibles, MOOP, the list goes on. Medicare and Medicaid get confused often. Some enrollees qualify for both. Some can get "Extra Help".  QMB, SLMB, QI is also available.

Yes, you can do it alone, but there is no need for that. Work with a well-trained agent who can answer these and many other questions that may arise.

There is no cost to you to work with an agent.

Janelle Brown · Answer

I break Medicare down into plain language by explaining the four parts (A, B, C, D), what each covers, and how they work together with different costs.  

Then I show clients how their doctors, prescriptions, and budget determine which plan works best for them.

Steve and Sue Brauer · Answer

So the question is, how do you educate clients who are completely new to Medicare? Well, the first thing I tell people is that you're gonna get a ton of stuff in the mail six to eight months before you turn 65. Here's what I tell people: put that stuff aside, get a grocery bag, and throw everything in there. If you try to read everything, your head's gonna explode. There's just too much to absorb.

My recommendation, and I've said this a million times to people and I've recorded this too, is to find an independent Medicare agent who only does Medicare. The reason for that is an independent broker has the ability to search all around all the carriers, and they're not linked to one specific carrier. The reason I say to find a broker that only does Medicare is that there are only so many hours in the day. You can't be an expert at everything. I can't do Medicare and do life insurance and group health insurance and Obamacare plans and try to be an expert at all of them. You just can't do it. There's just not enough time, and there are too many nuances to Medicare, and it changes constantly.

So defer to your broker, find someone that you think you can trust, and have them guide you through it. When you break it down, it's really not that complicated. There are some twists and turns, but if you have a broker that knows what they're doing, they can guide you through it, and it's a total breeze, seriously.

Ashley Broussard · Answer

Medicare can seem complicated, but it's actually easier if we break it into steps. First, we'll make sure you understand how Medicare works. Then we'll discuss your doctors, prescriptions, and budget. After that, we'll compare the plans available to you and find the option that fits your needs. My goal today isn't to sell you anything—it's to make sure you understand your choices.

Angela Wainright · Answer

First, I much prefer to have a face-to-face meeting. 2nd, we break Medicare into smaller, more digestible pieces of information. I spend as much time as needed to ensure my clients understand each part. If we have to loop back around further into the conversation to revisit a piece, we will do that. Sometimes it might take more than one visit or conversation to ensure full understanding and I am always more than happy to do it, in fact I encourage it where necessary.

William Murray · Answer

All I do is educate new-to-Medicare folks.
I don't worry about getting paid. I just help.
If I end up writing a plan for you, well good, I must have helped.
If I think you would be better off staying where you are, or going with someone else you know, I'll say so.
You'll still tell someone else about how I helped you without worrying about whether or not I get paid.
Medicare 101 starts with what you need to know about Original Medicare A & B. If it's your time to enroll, we'll save the rest until you get through the process of enrolling in A & B.
Later, we'll talk about the differences between Medicare Supplement Plans plus Prescription (Part D) coverage compared to Medicare Advantage plans.
I'll remind you that you don't have to remember everything I tell you, just remember my phone number.
We'll be done talking about it when you're ready, not when I say you're done.
It's not about me getting paid. It's about you getting Medicare.

Roberto Alonso · Answer

First question to my new Medicare client. Who do you wish to be paying your claim first, Medicare (the government's insurance), or an Insurance company?.  Why, does it matter?
Well yes it does. With the government you can go to any doctor or provider that accepts Medicare assignment, and in most cases, even to doctors that do not accept Medicare assignment but have not completly opted out of the system.

With an insurance company replacing Medicare, like in a Medicare Advantage scenario, Medicare pays the company and charges the company with taking care of your health care needs, and then goes to sleep. The insurance company then tells you who to go to realize and maximize your coverge benefits, or even if you can go outside that Network.

Monica Gardner · Answer

I just explain to them that Original Medicare Parts A and B cover 80% of their hospital (inpatient) and doctors (outpatient) healthcare. Typically there is no monthly premium for Part A but Part B does not have have a monthly premium, which is 2025 is $185 a month, plus any late enrollment penalties. And the best thing to do about the other 20% is to enroll in a Medicare Advantage plan or a Medicare Supplement.

Christy Jones · Answer

I will meet with Clients in person or via phone appointment. I will review Medicare basics and will let them know what their options are according to their specific state and county. We will review the various types of medicare plans. We will also talk about provider networks, their prescriptions, and what their personal health needs are.

Jessie Rhodes · Answer

So when someone is completely new to Medicare I first explain the options that comes with Medicare, such as just having original Medicare, Medicare Advantage, and Medicare supplement. I will then go over how each options work and the pros and con of each, then finally I would do a needs analysis to determine which option fit their needs.

Mark Summers · Answer

For those who have email, I send a Medicare narrative to read prior to our meeting. I include third party hyperlinks for those who wish to self-educate. The purpose is to help them think of questions they need answered. I also use a written agenda at our first meeting, to make sure all issues are given ample time.

Daniel Brechin · Answer

I begin explaining that Medicare is a federal program.  You have 4 important things you need to understand
Medicare A, you receive because you earned it through 40 quarters.   Or if you pay the premium if you did not pay into Medicare.  Part B, you will pay a premium for.   Medicare Part D prescription drug programs generally have a monthly premium.  Do your research on what is available in your area.   If you have trouble and would like to contact me, I would be happy to explain what is available to you.

Danny Brechin 
Contact me.

Edward Smith, ChFC, CRPS, AIF · Answer

I walk them through a presentation that explains original Medicare basics, what is covered and what is not. Then, I explain how to cover what original Medicare does not and the pros and cons of each solution. This allows the client to make an informed decision as to what they think works best for them. I educate and the client decides.

Jake Major · Answer

Education is huge when starting your Medicare. It's like you are in 1st grade and expected to take tests to graduate. I'm here to help navigate you through the tests and plan choices by individualized workshops in person, on the phone or over video, where we will compare coverage options, reflect upon your previous insurance experiences, and make a customized package designed to work for you, because its YOUR insurance. And I'll continually be here to answer questions, help with claims, and celebrate each year your insurance works for you.

Jerry Cohen · Answer

I like using materials that are published by the Federal government as a big part of my introductory meeting with a client. The government publishes a tremendous amount of useful and informative materials on just about evry Medicare topic. I have also taken the time to put together questionaires that I complete with new clients to find out what medications they are using and whether they have any doctors that are important to them. If a specialist or two are mentioned this gives me a track to question so far as the extent of the medical item the person might be experiencing.

Nicole Creamer · Answer

As a Medicare Specialist, I like to provide clients with easy-to-understand information about Medicare, including Parts A, B, C, D, and Medicare Supplements, taking the confusion out of the transition into Medicare. An educated client is a happy client, and providing them with the information they need to make an informed decision is vital.

Terri Reagin · Answer

I have a pretty standard "Welcome to Medicare" appointment for customers that are new to the process and aren't sure of what plans to choose. I try to do a thorough needs analysis including doctors or prescriptions they would want me to look up and to find out where their cpmfort level is with risk, copays, doctor networks and care coordination. No two people are identical in what they need or want with Medicare so I want to make sure I treat each appointment individually.

Sandra Teel · Answer

I take the time to start at the beginning and walk them through the whole process. Once they get their Medicare card, then we sit down and look at all the options available to them. One size does not fit all, every situation is different, so I personalize what options best suit their needs.

Diana Garner · Answer

I sit down with each client, even clients who have been on Medicare for a while, and I explain the ins and outs of Medicare Part A & B, Medicare Supplements, Medicare Advantage Plans (Part C), Medicare Prescription Drug Plans (Part D), and other plans they may need to cover what Medicare doesn't cover.

I also do Medicare Seminars from time-to-time with groups of people to explain how Medicare works.

Cleo Martin · Answer

I tell them about original Medicare and how it works. Explaining about needing a supplement and a drug card. Then I Explain how a Medicare Advantage works. Going through all co-pays and maximum out of pockets. I discuss what there health and financial situation is and then get them to make a decision based on what we have talked about.

Thomas Ashton · Answer

I like to go through the process of explaining the different parts of Medicare. Then I go through each part and break it down further as to what each part covers, how each part works in conjunction with each other.  The differences between Medicare Advantage and Medicare Supplements. How Prescription Drug Plans work.

Bret Swope · Answer

I am happy to help anyone better understand the process and options of enrolling in Medicare. Many of my current clients called me months or years in advance of needing to enroll in Medicare to learn what they needed to do to properly enroll and cover their health insurance needs. We have a good talk about the steps and then I put them in my calendar to make sure I touch bases with them at an appropriate time in the future to help them through the process.

I have future clients in my calendar pipeline that won't be ready for Medicare for months or years to come. It's never too early to understand the steps you'll need to take when the time is right for you. Not doing so properly when the time comes could cost you in the form of penalties (that sometimes last a lifetime) or simply not getting the full benefits that are available to you by enrolling properly at the right time.

It's important to understand that using my services (I'm an independent insurance agent) doesn't cost you any more. I am compensated by the insurance companies when you enroll in a plan using my services. You can contact me to answer questions that will help you go through this process properly.

Jose Solis-Flores · Answer

We know this process can be extremely confusing with so much information out there and everyone sending you a bunch of crap in the mail. 

In one convenient appointment, you'll:

- Get clear, personalized advice from our licensed insurance experts with over two decades of experience. 

- Explore different Medicare parts and how the are relevant to you. We help find plans and options to find the perfect fit for you and your budget.

- Get answers to all your questions in a no-pressure setting.

Vachik Chakhbazian · Answer

start by building trust and understanding their individual needs. Explain the basics of Medicare, including the different parts (A, B, C, D) and their coverage, then tailor your explanation to their specific circumstances. Use plain language, avoid jargon, and be patient as they learn the system.

Chuck Winslow · Answer

Step 1. Learn about who the person is and what your personal health goals are. 

Step 2. Explain in depth the differences between a Medicare Supplement and a Medicare Advantage plan along with all the different types if coverages available to them. 

Step 3. Help you look over plans that are built to your personal health goals. 

Step 4. Making sure after you choose a plan that fits you, that you understand what you do and do not get with the coverage. 

Step 5. Give you all the information to make an informative decision. 

That is the only way!

Lyle Affleck · Answer

We offer both in-home education appointments and various educational seminars in the area to educate those who will soon be eligible for Medicare benefits. The best time for people to get educated on the benefits available to them is 6-12 months prior to their becoming eligible for Medicare.

William Gray · Answer

Honestly, 

I start from the assumption that there is little or no education on Medicare and go through a process of explaining the basic parts of Medicare, then in broad strokes how the supplemental and advantage plans work.

I give honest feedback on good and bad on both programs. And let the client steer the boat. If they are comfortable with Medicare Supplement We go  down that path. The same for Medicare advantage. 

It really depends on the client

Esther Miller · Answer

I first listen and ask questions to understand their Medicare needs. The next step is to match them with more than just one option, so they have choices and the plan fits within their budget and health needs.

Charles Fletcher · Answer

My process includes gathering working through an descriptive workbook that includes introductions to the 2 types of Medicare insurance, information on enrollment periods, 10 things to know about "Medicare Advantage" and a broad look at Prescription Drug Plans.  We then take time to answer any additional questions and move in to the Customer Review section or our appointment gathering drug list and Dr lists.

Justin Call · Answer

1 - We talk through the basics, and their options
2 - I relate it to a visual example for people that are visual learners
3 - I reiterate multiple times
4 - We go over the basics almost every time we talk for the first few times
5 - I send them a PDF presentation if they would like
6 - We take it one step at a time.  The key is short conversations, but many of them

Frank Buonomo · Answer

I ask about their current circumstances including their medical needs and prescriptions. I identify available resources to assist them with Medicare enrollment and the insurance options available to them.

Shahnaz Razvi · Answer

I would have them review the Medicare and you guide that is available to most seniors and refer them to the page numbers and charts to answer specific questions.

I usually give them an overview of the different options they have available to them and that they should review their needs and choose accordingly.

Christopher Boyd · Answer

I sit down with then and review their 2025 Medicare and You Handbook. This is the most concise and NON biased resource for retirees. Medicare.gov is best for reviewing Part D drug coverage.

Jonathan Potter · Answer

I usually start off by asking someone what they do know about Medicare. Once we established they know the basics of Medicare. Then we move onto choosing a plan option.

So first off, you have to know what Medicare covers and what Medicare doesn’t cover and then from there you can move onto find out if doctors will take plans and using their medication in the calculator to find which plan would be the best for them for next year.

Melonie Wood · Answer

I have put together an easy to read Medicare Presentation that I share with all members.  This helps answer many questions, explains the difference between Medicare Advantage & Medicare Supplements/ Part D Drug coverage.  It shows How Medicare rates all the plans from 1 to 5 stars.  The difference between HMO & PPO, and I also have a leave behind piece for members

Jay Larshus · Answer

I explain the differences between Medicare Supplements (Medigap) plans and the Medicare Advantage Plans (Part).  We will also discuss the options with Medicare Part D.  In addition, we will discuss he time frames involved with signing up for Medicare and the additional benefits.

Patrick Bullock · Answer

I like to give them some basic facts about what Medicare does and doesn't do. I then like to get to know the clients' situation better so I can begin to personalize the information they need to make the best decision. There are a lot of factors that may affect the decision making process and it is important to touch on all of them.

Jay Carlton · Answer

I start by talking about what Medicare is, as well as all the parts to it. Part A, Part B, what is Part C and Part D. What is the deductibles and coinsurances and/or copays are that come with Medicare. Answer any questions that they may have as well.

Andrew Zurbuch, MBA · Answer

Overall, you go over the Basics of Medicare. Explain, the history of Original Medicare. Reviewing Medicare Parts A, B, C, & D with them. As the Broker you listen to their questions. Explaining what is different with Medicare Parts A, B, C, & D. Then it can go to a more personalized discussion. 

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.

Robert Remin · Answer

Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL.  I do a free Zoom class called "Solving the Medicare Puzzle/Medicare Mythst Exposed." The class can be a group or one on one with a prospective client/s. I cover Medicare from A to Z so at classes end client knows their options. Class is educational only so no specific carriers mentioned.

Shelly Hefley · Answer

We sit down at their kitchen table or in my office and go over the ABCs of Medicare and we spend a couple of hours talking about how services are covered and what their needs are. We discuss the options available and how their needs are best served.

Sean Cusack · Answer

Hello,
A good way to learn the basics of medicare is to attend a local seminar or go to Medicare.gov. A good place to start, would be to learn the basic costs of medicare. What does Medicare cover and what are your costs in different situations. Also, what different products are available to you beyond original Medicare.

Steven Bleicher · Answer

Since I've been a Medicare expert for years and voluntarily teach Medicare at the local university for both those new to Medicare or those who are already in Medicare but wish to take a refresher course based on the new calendar year with the inevitable $$ changes. Thus, I email prospects all of the digital files that I have developed for my classes in advance of visiting them or speaking with them over the phone.

William Scott · Answer

There are a number of options. 

My first option would be to meet them in a comfortable setting, either at their home or a library and revew a short video on Medicare 101, or

for their convenience, I would email a list of common word definitions and phrases and test their level of understanding and answer any questions they might have, or

Give Medicare 101 Handouts and review them and answwr questrions, or

work with whatever learning tools that suits them best that will assure their understanding.

Philip Santucci · Answer

Go through everything step by step. How to enroll, what all the letters mean, costs, options, plans and how your health plays a role. Taking a simple approach and giving easy to understand information.

Gina Pranzitelli · Answer

New to Medicare clients need Medicare 101, the basics and all available options. I suggest getting the Medicare and you booklet off Medicare.gov so that their agent and themselves can go over the Medicare basics together.

Kristy Hicks · Answer

I educate clients on Medicare, how it works, and their available options, giving them the knowledge to make their own informed decisions.

Doris Youngman · Answer

I ask what they are wanting in a Medicare plan, who their doctors are, and the medications they take. I also explain the difference between Medicare Supplement and Medicare Advantage plans as well as drug coverages.

Jonathan Brower · Answer

I prefer a simple explanation of original Medicare (A and B), the costs and potential penalties. Part D plans are explained as part of the Medigap vs Advantage plan conversation and illustration.

Shannon Mayfield · Answer

We start with a Medicare 101 where we go over what Medicare is, how it works, and what the high level options are. Then we dive deeper into plans after the client has a better understanding of which route would be best suited for their needs.

Renee Pena · Answer

I have a interactive presentation we review together to breakdown the different parts of Medicare and what that will mean for you. It's a big transition for anyone and you are bombarded with information in the mail and spam calls, it can be overwhelming. Its best to have a dedicated discussion about Medicare before choosing a plan. I can help from the first steps of applying for Medicare all the way to choosing and using the plan.

Gary Church · Answer

Explain Medicare as health coverage. Would you like to control your healthcare or have the insurance company manage it? I go over the three options: Original Medicare, Medicare supplement, or Gap with standalone PDP and Medicare Advantage plans. Any health care plan has pros and cons.

Robert Lukasik · Answer

I offer a personal Medicare 101 class. I explain all the different parts and what they do and what to expect. I also go over all the different costs in each part.

James Stang · Answer

Explaining the different parts of Medicare, how they differ and the costs. Then ask questions about their health, if they have any issues they are currently treating and then explain how the different options would look moving forward.

Lea Ayres · Answer

At MediConnect we have several ways for New to Medicare folks to get more information.  We have weekly seminars and Webinars.  We have a first appointment process that takes the beneficary step by step what to expect when new to Medicare.

Toni Johnson · Answer

I educate new Medicare recipients by fact finding first. I need to know where the person is in the process. 
We are all unique and have different needs.  I tailor my education to the beneficiary taking into consideration the budget, the needs, and the current lifestyle. I always let beneficiary's be aware that not every shoe fits every foot.

Thank you for your question. If you have another question please do not hesitate contacting me again. You may also go to www.medicare.gov to get additional information.

Toni Johnson

Donna Slater · Answer

First, I have to listen to their immediate healthcare needs. Then, I carefully and kindly walk them through the process step by step. I explain and compare all the plans which meet the needs of the client. After that, the client will have all the pertinent information to make an informed decision.

Pamela Walton · Answer

Education is key in helping those new to Medicare understand their benefits and how their health plan will work.  Explaining the different parts of Medicare, and then using hypothetical situations to help clients better understand how the plans work. Using examples, is a great tool that I use to educate my customers.  I can send Medicare and You booklets as a source id information as well.

Marianna Kuhn · Answer

I educate new folks about Medicare by listening to how much information they know and what their questions are.  Medicare can be quite complex, so folks may need basic information or just specific targeted questions.  I'm happy to meet, speak on the phone, or send detailed information, depending on the person's interest.  It is a pleasure to educate folks, whether they choose me as an agent or not.  Happy to always help.

Pamela Masters · Answer

I have a guide that makes it simpler and also give seminars for people coming into Medicare. Also, when I have an appointment with someone that is going to start Medicare soon, I try to educate them on my first visit with them. I am willing to inform and help until you are comfortable.

Matt &quot;Ernie&quot; Ernstes · Answer

I would go over the basics of Medicare. Then explain they have 3 options for health coverage after they turn 65.  I would also like to know what their personal goals are for health care coverage after turning 65.  Always, always ask questions until you are comfortable with the answers.  Finally work with someone you are comfortable with.

James ONeal · Answer

To effectively educate clients new to Medicare, it's crucial to simplify the complex system, explain the different parts of Medicare, and guide them through the enrollment process.

Focus on using clear, jargon-free language, providing personalized information based on their needs, and offering resources for continued learning.

Guillermo Gonzalez · Answer

Education is one the best benefits of being in this field.  I like to setup a time preferably in person, to talk with someone about the different parts of Medicare and how it applies to them and the costs associated with it.

D. Scott Harrod · Answer

We at Central Kentucky Medicare are Independent Agents which means we work for Our Clients best interest not any one insurance company. Being aligned with a number of different Companies we are provided a wide selection of Medicare related resources and years ago one of my Carriers wrote and prepared an excellent informational booklet for the new to Medicare Folks. This booklet is about 60 pages, bold print and some illustrations and drawings ect help to make this a quick and easy read, this booklet I put in all Folks hands who come to me about Medicare. I've not seen any publication offering anything nearly as good as this booklet in getting Folks as well informed and more comfortable in selecting their Medicare related solutions, Great Question!

Sean MacBean · Answer

We have a proven process called "Retirement by Design," in which our clients participate in designing their own retirement plans, from Health to Wealth. Through this process, we will discuss:

* Estate Planning:
- Wills
- Trusts
- Beneficiaries
- Tax Mitigation Strategies

* Retirement Planning:
- Health Coverage:
- Medicare Supplements or Advantage Plans 
- How Life Insurance can provide LTC or provide basic final expenses
- How can we provide you with a guaranteed income
- Cover your LTC needs with a program that works for you. 

There is no cost for our consultations.

Elliott Klepner · Answer

I send them an easy-to-read and understand Medicare Q&A along with my contact information.
The Medicare Q&A explains Original Medicare (Parts A&B), Medicare Supplements, Part D, and  Medicare Advantage Part C Plans

William Kravit · Answer

We work with employers to hold a Medicare 101 educational seminar for their older employees  so that person's experience that I outlined in the first question will not happen.

Carol Thompson · Answer

Explain the different types and how they work. What you can expect to pay and the the differences in Original Medicare, Medicare Supp (Medigap) and Medicare Advantage with Part C.

Jami Mead · Answer

I sit down with each of my clients and a one-on-one and do a presentation showing you the differences what you need to know what it covers, what's not covered, and the options that are available to you to give you coverage.

Charlie Fitzgerald · Answer

Personally, I spend as much time as needed to find out what their specific wants, needs and desires are in terms of their Golden Years Healthcare needs.  After that, I can make recommendations about the Medicare Plan (s) that best fit their individual wants, needs and desires and we can then go over the plan (s) and discuss and educate on each plan (s) Pros/Cons.  Ultimately determining together which Plan (s) are most suitable, sustainable and affordable for them.

Craig Livers · Answer

I specialize in helping people that are new to Medicare. I speak in plain simple English and will make sure all of your questions are answered. Once you have enrolled in Medicare, then I will assist you in selecting the most appropriate Medicare plan that fits your needs.
After the enrollment I will always be available to answer questions, assist with any problems that may arise and show you new plans year after year.

Marcy Bulliner · Answer

It is important to explain how Medicare basics work to clients, before explaining the difference in  secondary coverage levels. Knowing what Medicare does and does not cover helps to identify how you will use your health coverage. There are no good or bad plans, just have to find coverage that is going to be usable in how you want your healthcare to look like.

Kelsey Hentzen · Answer

There are many routes to educating clients new to Medicare. I have clients that either meet one on one and go through our Medicare Guide Packet, or they can attend any of one of our Free Educational Medicare Seminars. I truly believe its best to find a broker who can shop all the plans in your area to find the best option for their clients.

Joseph Lipski · Answer

I let them know that I will hold their hands through the whole process.  The process begins with dealing with Social Security and Medicare.  I help my clients apply for their Medicare and when they, decide, their Social Security.  From there I work with them to ensure that they are put into the plan that is best for them, regardless of whether is is a Medigap Planof Medicare Advantage Plan.

David Didier · Answer

Hello,

I gave seminars for years of people new to Medicare and how to navigate the Social Security site to apply for Medicare, (Part A, the Hospital coverage and the Part B the outpatient and Doctor coverage.)

I also answered many questions on Medicare and special situations on retirement plans and staying at work.  Any questions , I'll  make sure I answer with the right info needed,   

Thx

Danny Radisewitz · Answer

We host Educational Workshops that allow folks turning 65 a chance to hear questions that most people have but are too afraid to ask!

Timothy Brown · Answer

Our company hosts both in person and online Medicare educational seminars on a weekly basis. The in person seminars are hosted at medical facilities and various hotels throughout the state of PA.

Clare Burley · Answer

We always start with the Medicare basics! An overview of Medicare, all of the puzzle pieces they will need to have in place, and next steps. I always guide my clients through the entire process, from start to finish.

Joseph Peck · Answer

We sit down and breakdown on a sheet how each part works for them with a worksheet. Then i show how each type of coverage works with original medicare so that they may make the best decision for themselves.

Adam Paul · Answer

I sit down with them one-on-one and walk them through Medicare, so they understand precisely what it is and how it works. I also do Medicare 101 presentations at senior centers.

Edward Cavelli · Answer

I show a side by side worksheet comparing Medigap and Advantage so they can make their own decisions

Susan Tate · Answer

I like to sit with clients face to face and go over how Medicare itself works.  Then I like to go over their options on how they can use their Medicare to see what works best for them and their situation.

Rodney Powell · Answer

I teach the best Medicare 101 Boot Camp seminars you’ll ever attend — no PowerPoint, just me and a dry-erase board, explaining Medicare in a way you’ll remember.

Plus, I record the live sessions and share shorter clips on my "Medicare Video Guy" YouTube channel, so you can watch whenever you want.

Isaac Lind · Answer

I have a flipbook that is short and to the point, while also being super easy to follow and understand. I explain how Medicare works, and the main two options people can choose between. 

The Pro's and Con's are clearly laid out for you, and you make the decision on what makes most sense for your lifestyle! At no point do I charge for my expertise!

Jody Hill · Answer

I have a Medicare 101 fact sheet that i go over with my clients.  It's the same one i use for my seminars about Medicare.  It walks them through A, B, C, D and Medicare supplements.

Heith Huguet · Answer

I can meet you virtually, over the phone, at your home, or at my office. I will help you navigate the maze of Medicare choices. I have 17 years of experience to help make this a painless process for you. I also have tools available to assist you in making the best decision for you and your needs. I explain your choices thoroughly and as simple as I can to help make this maze as clear as can be. When you are ready to enroll, I am available to assist at no cost you.

James Hale · Answer

Much the same way you would eat an elephant--slowly, one bite at a time. The process of signing up for Medicare can be extremely tedious even under the best of circumstances and it's easy to get bogged down by the minutia if you try to absorb the whole process at once. I take as much time as is necessary to walk my clients through the process one step at a time so that the experience isn't quite so overwhelming.

Geney Ruesga · Answer

My Agency - Agents go thru the Medicare and you book and explain what Medicare pays and what 20 percent that Medicare does not cover.
Go over the options between Medicare Supplement vs Advantage plan.

Heather Allen · Answer

I sit down with  my clients  face to face and explain the A's and B's of Medicare, explain all the rights and obligations, and reassure them that if they forget anything or every have any questions to call me.

Gary Henderson · Answer

Well I boil it down to simplicity because it is not that difficult to explain to first-time people. It takes about 30 minutes to go over Medicare, how it works and then what the pros and cons are of their options of Medicare supplement plans versus Medicare advantage plans

Gary Haft · Answer

I ask prospects to come to my office if they are within a reasonable proximity to my office and sometimes if I am able - I can meet them at their home and I show them all their options and explain how these options work and we can then be able to choose the right plan to fit their needs and budget.  It gets a little complicated at the start, but when I am finished, you will be able to understand it all.

Adam Morillo · Answer

I have a very easy to view and understand PowerPoint presentation that goes over the parts of Medicare and the options the client has for coverage.

Chris Bumgardner · Answer

It is very important to explain policy details to any Medicare client.  Medicare is overwhelming.  Repeat if necessary.  Slow down, and make sure they understand before you move on.  This will gain trust and credibility.

Mike Alexander · Answer

I do a medicare one on one with them, showing how Medicare works, I never try to sell them on a product, education is the key

Richard Moreno · Answer

The way you would educate someone new to Medicare is to go over a Medicare 101 presentation which will educate them on how Medicare works and showing them the different options they have including Original Medicare.

Jason Miller · Answer

I always start from scratch and make sure my clients have a good, fundamental understanding of how Medicare works. That way, the decision about what supplemental coverages work best for them is much easier to make. As a former teacher, it is essential to make sure your "students" understand the subject material before moving forward to the next sections!

Martha Lopez-Elkind · Answer

I'm passionate about educating clients who are new to Medicare, because they appreciate learning about Medicare, Medicare Parts and the benefits that they're entitled to. I can also speak about what's new in the Medicare world, such as new plans, new policies and procedures as well as bringing the "human touch" and answer all of their questions.

Larry Dalton · Answer

First, do not get into selling them on your market ideas. Be clear and precise and make sure they understand all of Medicare’s options and coverage before any decisions are made. Serving on the Medicare advisory committees has given me an understanding of how complex and confusing people can become due to misleading agents in the field.

Jennifer McDonnell · Answer

Best way to learn about Medicare is from a trusted Medicare advisor, someone who is working to educate you about all the brands and products isn the market.  Too many seniors communicate with a particular insurance company which in turn gives that person a lop-sided view of what's available to them.  An independent trusted Medicare Advisor can educate you on all your options.

Allen McGirl · Answer

I ask them to complete a Medicare review form.  I want to know all your doctors, hospitals, prescriptions and the pharmacy you use.  This will help me educate you on your options.

Bruce Kern · Answer

One on one or face to face meeting or group meetings that they can attend and learn from.
Have the clients come to a meeting with a list of questions.

Kristin Ingram · Answer

Educating clients new to Medicare involves breaking down complex, information into simple, manageable parts.  Key strategies include using visual aids/handouts, conducting one-on-one consultations to assess personalized needs, and building trust through transparent, non-sales-driven education.

Debra Weber · Answer

I keep it simple in layman's terms. If they don't quite understand, I go over it again. I want to make sure that they are completely comfortable with the information received.

Jaye Maxx Alexander II · Answer

I educate my clients about Medicare by giving them 15 - 20 minutes to go over the complex aspects of Medicare and prescription drug coverage.

I try to build a plan that will suit my clients' lives and travel. We have a truly in-depth meeting. I have the ability to build a plan that is superior to their needs.

Jacqueline Pelzer · Answer

We provide educational webinars and introduction videos for clients that are new to Medicare so that they do not fill overwhelmed by the flood of new information.

Norman Smith · Answer

Patiently! People react differently and so some are scared of what they don’t know, and to be “taken” or to miss out in making the best decision for themselves at this time. Having a professional who takes your approach, fears, anxieties, and questions with clarity and calmness to explain things, thoroughly, needs to be a mandate. Relate to them on their terms and give examples of real life and potentials.

Ronnie Robinson Jr · Answer

I always start new Medicare clients with a Medicare 101, either virtually or in person. I'm also in the process of starting webinars to help with this process on a monthly basis

Vincent Murray · Answer

We offer online training as well as in person education.  Our next class is on October 15 at Dysart's on Broadway or November 13th at Moore center in Ellsworth.

It's as simple as A B C D
Free consultation over the phone, in person or over zoom.  

We can make the whole process easy.

Darlene Murphy · Answer

By way of a face-to-face appointment or zoom to explain Medicare 101 to them in length. If you make it simple to understand and grasp most do.

David Silver · Answer

I keep things simple and explain all options.
I asked a series of questions that insure that I make appropriate recommendations based on how the questions are answered.

Laura Shipman · Answer

I talk with the client and gather information regarding their situation.  I educate them on Medicare Supplements and Medicare Advantage Plans in their area.

Marye Carr · Answer

One-on-one conversation in person, or telephonically, presentation and Q&A session.

Begin with Medicare 101 and allow client to ask questions

Steve Houchens · Answer

I personally sit down with new people and take them through the Medicare And You book and make sure they understand the differences in all the plans and options they have

Clare Goyette · Answer

I have created a compliant Medicare 101 education program in PowerPoint form or pdf.  I conduct a thorough needs analysis and present the best options for each client.

Rick Balistreri · Answer

We provide a Medicare webinar that anyone can watch at their convenience that is educational only. We cover the things you need to know to transition into Medicare.

Diana Salisbury · Answer

I have a sit down meeting with them and go over their options.  Then I leave behind information for their files should questions arise after we sign them up for their plan.

Valentina Gatewood · Answer

By providing a complete Medicare 101 presentation. Go over all parts of Medicare along with fees, and options.

Steven Pomerantz · Answer

I am licensed with all the plans so we set up appointments and educate people. Medicare can be overwhelming so we simply it so people understand. We also advocate for people all year round.

Mel Stevens · Answer

The best way that I educate clients who are new to Medicare is having a meeting face-to-face.  I can speak with them over the phone, during a Medicare 101 event or through something like zoom.  Choosing the right Medicare plan and making sure all the I's are dotted and all the T's are crossed, face-to-face is best.

Brent Mowery · Answer

I recommend they sign up for an account on www Medicare gov. I also would recommend they have a conversation with an experienced Medicare broker to get their questions answered and discuss their options

Chauncey Bragg · Answer

I use the Medicare Clear/clarity guide to help my clients understand what Medicare is and what is and is not covered. I also make sure to answer any question they might still have after going over the information guides.

Lori Crivelli · Answer

We host Turning 65 events twice a month for clients to come and here about Medicare.  If they are not able to attend, we will do this on an individual basis.

James Carlson · Answer

I explain that all the info received is confusing.  I will clearly explain your options and be sure you understand the difference between Advantage and Medicare Supplement plants.

Jennifer Kalbach · Answer

First off, a Scope of Appointment and a Health Risk Assessment would need to be done.  Then I would go over with clients what their options are so they can make the best possible decision for their health.

Ken Banks · Answer

Explain in detail what Medicare is and all the parts.  Take them through all the steps and educate them on the pros and cons of it all.

Aaron Lewis · Answer

New to Medicare ? It is important you understand the different parts of Medicare. You have part A part B Part D and part C. It is important to understand how each part works. Depending on what type of program your looking for it is also important to know how a Medicare Supplement will work with your program.

Megan Day · Answer

I do a Medicare 101  with them. I explain all the different parts of Medicare and what all benefits are available.

Marshall Orenic · Answer

I give my clients the time and resources they need to understand Medicare.  I do phone consultations, zoom meetings, office meetings or home visits.

Paul Potter · Answer

I like to meet face to face with people who are new to Medicare.  This process allows plenty of time to compare Medicare options AND compare to existing plans.

Paul Wyatt · Answer

Many agents and organizations sponsor Medicare education events all year round.   A Medicare 101 is a great way to learn about the basics of Medicare and what factors you should consider when choosing a plan.

Todd Bostic · Answer

First thing I do is I sit down and talk to them and ask them if they have any questions that I can answer and help them with.  I want to ease their mind so they aren't confused about anything going forward.

Sonya Chandler · Answer

I go over all of the parts of Medicare (Part A, B, C and D).  I do this by phone, by webinar or in person.

Darnel Brown · Answer

Set an appointment, discuss their needs, budget, medications, and primary doctor.
I always like to give educational seminars

Dalyaness Martinez · Answer

We sit down and go over health issues (if any) and current medications. What benefits matter more and what savings programs are available to you.

Jim Tretola · Answer

I educate them on what their choices are and patently answer their question. Many people come from a work Plan, so they are very familiar with an Advantage plan, but do not undo medical plans. Once again, education is the key. I do informational seminars throughout the year.

Shalonda Cave · Answer

I normally send them my video on the Basics of Medicare I did before our appointment to get them familiar with what we will go over during our appointment.

Shanna Wetzstein · Answer

I do a needs assessment to see what would be the best fit for them. I explain Medicare in a simple way because it is so confusing.

Karen Boudreaux · Answer

I set an appointment with them face to face. And tell them to call me with any questions throughout the year.

Jim Herro · Answer

I gather information to complete an Introduction to Medicare packet that is streamlined to their needs.  The information is reviewed with them at their home; I educate, you decide.

Robert Baez · Answer

I normally meet with them on a one-on-one basis. This helps with building a relationship as well as having them understand what they can enroll in to fit their needs. call me for an appointment.

Aaron Solomon · Answer

I ask a couple questions, What do you know about Medicare, I have information to explain how it works. If they are planning on sign up for Social Security/Medicare ,I have a worksheet with a "How To'. A have a booklet on how Medicare works. I will sit down with my client.. We will discuss Medicare,

Earl Beck · Answer

Very carefully. You make sure they understand completely. You explain about all four parts and what they cover.

Lt Col Tim Brown · Answer

Same way you do for anything new to someone.  Start with the basics and add to that.  Find out what’s important to them in how they get their healthcare.

Brady Kidwell · Answer

I’ll give them a good breakdown of parts A,B,C and D. I cover all the details, along with all the ins and outs of becoming new to Medicare.

Rachida Silva · Answer

1. The Foundation: Medicare Parts A and B
2. The Reality: Traditional Medicare and the 'Gaps'
3. The Strategy: Supplements vs. Advantage Plans

Mike Cooper · Answer

The human brain only has so much space in it for insurance/Medicare talk...  As an Agent, I have to prioritize both the relevance of info and the way it's shared.  It's a bit like threading a needle.  All of that said... it is REALLY important to me that you understand your options and how to use them.  Myself and my Assistant are always here for you... if you have questions down the road.  
We're here to serve you... based on your needs and your budget.

David Koller · Answer

We go through a brief slide show to educate them on how Medicare works and what options are available to them.... this helps them decide when presenting their options.

Edward Pevnick · Answer

i can meet with you in your home. I can also talk in my office or on the phone. i can provide teaching materials at no cost to assist.

Steven Lovell · Answer

Medicare basically is a federal heakth insurance plan consisting of 4 different parts.A hospital b medical c advantage and d drug plan.

Clarence &quot;Mark&quot; Christiansen · Answer

Every client is different and when it comes to Medicare, there is no one-size-fits all plan.

So I strongly recommend a phone call, needs assessment, then an in-person appointment or a virtual session. Let's start with one of those...

Michael Ferraro · Answer

Medicare 101’s are my favorite way to educate seniors about Medicare.  You can make presentation fun, I usually serve food and get positive feedback

DeeDee Whitlock · Answer

I go over every part of Medicare & how it works, We are able to offer most plans available in our area so that way the client has many choices to look at!

Michael Brady · Answer

Explain parts of Medicare and how the coverages work. Then explain options for coverages and there costs.

Kent Pike · Answer

The Best way to learn Medicare is to sit down with an agent, ask questions, and come out with a plan that that fits your needs and wants.

Andre Cabral · Answer

The best way is to schedule a 1-on-1 meeting with a licensed agent, either in person or by phone/video.

Chris Ha · Answer

I can educate clients how to sign up for Medicare Advantage , Supplemental and what is part A, B , C , D , deductible , copay

Gigliola Manrique · Answer

Yes. Education is important specially to explain how the transition into the medicare world will impact the insurance choices and how to navigate the new rules with confidence.