Is it ok to work with a younger Medicare Advisor?

Question

Gary Church · Accepted Answer

To answer the question of working with a young licensed Medicare agent. As long as the agent is licensed and you feel comfortable working with the agent. Then you have a choice.

Daniel Brechin · Answer

Yes, I have trained many younger people who sell Medicare.   I enforce in training that the customer comes firs,t regardless of the commissions.   My first rule is do no Harm.

Danny Brechin
Contact me.

Pamela Masters · Answer

Yes. If they are licensed in your state they have been trained to sell the plans in your state. If you try an agent and feel they are not up to your standard, young or more mature, talk with a different agent. Sign an application with someone you are comfortable with. They become your agent for that plan.

Answered by Pamela Masters on October 21, 2025

Broker Licensed in NC

Answered by Pamela Masters Medicare Insurance Agent

Charise Karjala · Answer

This is an interesting question. Is it okay to work with a younger Medicare advisor? Well, it's funny. We're not even permitted to call ourselves advisors, specifically Medicare Advisors. Those are the people that work for Medicare. So if somebody is calling themselves a Medicare advisor, they've overstepped their boundaries of what their real role is. They are a sales agent.

So if you've got somebody who's new and calls themselves a Medicare advisor, I would just run the other way because they're overstating their qualifications. So in other words, no, it's not okay. And in that circumstance, now if you've got somebody who is long in the tooth and has been doing this for more than about 15 years, that person may have informally earned the stripes to know their stuff well enough so that they can actually advise. But they can't tell you what to do without a thorough needs analysis.

So one always has to submit themselves to the scrutiny of a peer who's going to ask you a lot of questions about your needs, your budget, your doctors, your hopes and dreams, and your family history. That's what good Medicare agents do. They completely understand your needs from a 360-degree view and based on the finances, preferences, needs of your spouse, time constraints, financial constraints, drug access, access to specialists, and access to private hospitals that don't accept Medicare Advantage. Those are just a few of the questions in the algorithm that comes out with your top three options.

And a Medicare advisor or somebody who works for Medicare, they don't do that. They read off teleprompters. Those of us who've been doing this for a long time know how to get to the bottom of that in about a 25 or 30-minute conversation. It's not easy. You gotta know what you gotta ask. And if you're the client, you need to be patient and answer the questions.

So your advisor, agent, broker, or whatever you choose to call that person, not what they choose to call themselves, can best present three, four, or five different options to you, each with a price tag, each with a list of doctors, and each with some alternative scenarios.

So for example, I'm suggesting to many of my clients that they also have a concierge physician alongside their Medicare Advantage policy. So they have access to real doctors who will spend real time with them rather than the HMO model that now gives them seven minutes per visit.

Lynn C Shurtleff · Answer

Is it okay to work with any age advisor but a younger one may not be as experienced or understanding and very well may be more commission oriented. I have been doing this for over 16 years, worked for my state before that and am on Medicare myself. I understand exactly what others are going through and am not only after the commissions. Insurance agencies promote how much money you can make selling Medicare products to entice agents to sign on with them, but if it's all about the money, I say you are not doing your job. Note too, always investigate someone wanting to do something with your finances, see what their portfolio and debt looks like.

Answered by Lynn C Shurtleff on October 22, 2025

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

Answered by Lynn C Shurtleff Medicare Insurance Agent

Mark Garrett · Answer

Age really does not make a difference in an advisor. Knowledge is the key. I pride myself on knowing as much as I can about Medicare and Medicare insurance products. Just make sure that whoever you choose can get you the answers you need quickly.

Answered by Mark Garrett on October 21, 2025

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

Answered by Mark Garrett Medicare Insurance Agent

Grant Evans · Answer

Yes absolutely. Personally, I have over 10 years of experience now, but I did start my career in insurance directly out of college. I was fortunate to be following in the footsteps of my dad, so I was able to lean on him with any questions I had. I think that it all depends on the specific agent and how much he/she knows about the plans in your area.

Answered by Grant Evans on October 21, 2025

Broker Licensed in PA, FL, NC, OH, SC & WV

Answered by Grant Evans Medicare Insurance Agent

Peyton Hanigan · Answer

It is absolutely ok to work with a younger Medicare advisor! Age should not be a determining factor when it comes to choosing an agent. You should base your decision on the knowledge and experience that they bring to the table.

Answered by Peyton Hanigan on February 4, 2026

Agent Licensed in TX

Answered by Peyton Hanigan Medicare Insurance Agent

Kent Hoyle · Answer

Let me answer this question with a question.  If you were going on an expensive foreign trip and were hiring a trip chaperone, would you hire one that has never been to that location before or would you prefer to hire someone that not only has been there but also lives there?

True understanding and empathy only comes from someone that has or is walking in those same shoes.

Teresa Schissler-Boichot · Answer

Age is just a number, so of course it is ok to work with a "younger" agent! The most important factors when you choose an agent is that your agent is knowledgeable enough to answer all of your questions, chooses to get to know you as the unique individual you are to truly guide you in your Medicare choices, and makes him or herself available to help you long after you enroll in your plan. One place to look for an agent is at local senior events or expos, another way to find an agent is to ask your friends and family for a referral, and finally, you can contact local senior organizations and ask for their recommendations. By attending local senior events, you can see which agents put the time in to serve their community beyond a sales pitch.

Answered by Teresa Schissler-Boichot on May 21, 2026

Broker Licensed in MI, AZ, FL & 11 other states

Answered by Teresa Schissler-Boichot Medicare Insurance Agent

Jim Tretola · Answer

Sure. As long as they are educated and understand what they are speaking about. Granted, it is easier to relate to someone close to or over 65, but it doesn't mean a younger person can't help you.

Kristen Skinner · Answer

Yes. If you feel they have enough experience in the field, then yes. I know with Healthmarkets, when I was a rookie, what helped me is that I had my peers to help me answer important questions. That was helpful. Until I really learned Medicare and the plans.

Answered by Kristen Skinner on March 9, 2026

Broker Licensed in OK

Answered by Kristen Skinner Medicare Insurance Agent

Rick Boyd · Answer

Rather than looking at the age of the advisor, consider if they have a complete knowledge of what is available and carry more than one company. If they are trying to move you into one or two particular companies, you may want to shop around. There are many companies offering Medicare coverage options, and not all companies are a good fit for you.

Answered by Rick Boyd on March 24, 2026

Broker Licensed in KY, AZ, CA & OH, TN, TX & UT

Answered by Rick Boyd Medicare Insurance Agent

David Haynes · Answer

I know some who are very good. As a senior I would want to work with someone who is in the same boat so to speak. But, as I said, I know some younger people who ae very good and diligent.

Michael Wallner · Answer

All Medicare Agents are required to complete State required education and testing in order to receive their license. In addition, agents must complete individual payer education and testing before they are appointed by the payers and able to represent payer products. Medicare also requires agents to complete annual education and testing on regulatory updates, ethics and compliance. Many agents also have additional work experience that adds to their expertise in the Medicare Insurance space. It is a good idea to ask about an agents work history and years of experience to get a better understanding of their background and level of expertise.

Answered by Michael Wallner on February 9, 2026

Agent Licensed in DE, MD & NY

Answered by Michael Wallner Medicare Insurance Agent

Giulio Campanelli · Answer

Nah, stick with us older folks. Just Kidding. Age should not be a concern, but experience is important. It's OK to ask how long they've been serving Medicare beneficiaries. I would recommend they have at least 2 years of experience.

Answered by Giulio Campanelli on March 23, 2026

Broker Licensed in CA, AZ, FL & MI, NC, NM & TX

Answered by Giulio Campanelli Medicare Insurance Agent

Meghan Blankenship · Answer

Yes, it's absolutely okay to work with a younger Medicare advisor - what matters most is their expertise, integrity, and ability to understand your needs.

Carol Conner · Answer

Age does not matter when you’re working with a medical advisor you should  work with somebody that is knowledgeable and keeps up-to-date on all of the changes

Ben Washington · Answer

Is it ok to work with a younger Medicare Advisor? yes, Medicare Advisor are certified each year on Medicare by each carrier.  as well as trained on product knowledge.

Brent Mowery · Answer

Yes, it is ok to work with a younger advisor,as long as they are an educated broker and not a captive agent. An educated broker can focus on national trends and seek the best value for their clients. A captive agent can only focus on their one company's products, limiting the scope of their understanding and ability to serve their clients

Answered by Brent Mowery on October 30, 2025

Broker Licensed in OK, CO, NC & TX

Answered by Brent Mowery Medicare Insurance Agent

Chad Hardy · Answer

Yes — it’s absolutely okay to work with a younger Medicare advisor. What matters most isn’t age, but knowledge, experience, and how well they listen to your needs. A good advisor should be able to explain your options clearly, help you compare plans, and guide you through enrollment without pressure.

In fact, younger advisors often bring a lot of energy, up-to-date technology skills, and a fresh approach to communication — things like virtual meetings, digital forms, and simplified explanations. The key is finding someone who’s licensed, specializes in Medicare, and takes the time to make sure you understand your coverage and feel confident in your choices.

Alicia Tyring · Answer

Being young doesn't discredit the knowledge or experience in the field. The key things would be knowledgeable, licensed, & trustworthy. Just make sure they're properly trained, certified, & focus on your needs & best interests.

Answered by Alicia Tyring on November 8, 2025

Broker Licensed in IN, AL, AR & 42 other states

Answered by Alicia Tyring Medicare Insurance Agent

Nora Alishahi · Answer

Age of the advisor is not so important. You need to work with an advisor that is dealing with Medicare for more than 2 years at least and is part of a larger brokerage for support

Tosha Morell · Answer

I am not sure. I understand your question. Can you please explain a little bit more?
If you are referring to an agent, I don’t see any problem working with a younger Medicare advisor.

Charles Mai · Answer

All license agents have been trained and completed all the requirements.  To choose an agent, it is very important to consider:

1) is the agent accessible?  - an agent should be always a phone call away;
2) is the agent doing things compliantly? - an agent should comply with all the require procedures and documents?
3) Is the agent genuine, sincere, and with true intend to help you look for the best option.  Integrity is very important.  An agent should work on your case as working on his own.
4) are you comfortable working with the agent?  Follow your feelings.

Tony Carlton · Answer

Thank you for your question. I think that's an excellent question.
So, my observation is that there is a group of what I call "Young Guns'. These 'Young Guns" are all under 40 and have found their niche in the Medicare space. I have learned much from these men and women on a professional level about Medicare and 'Best Practices' of running a Medicare agency.
While the average age of an insurance agent is 60 or 61, it is great to see young men and women who will have a long career in the Medicare space.
And Medicare is so complicated with so many changes on an annual basis that having young, alert eyes helps to keep clients up to date on the latest things.
Well, that must seem like quite an endorsement for working with a younger Medicare Advisor. But let me say this about us "Seasoned" Advisors", we have seen the of our advice on our clients. So, we know and can perhaps appreciate first hand just how valuable the 'care' part of 'healthcare' is on your life.
We have seen up close how our plan advice impacts your health over the course of years.
So, it really does come down to expertise, care and independence.
I would want to work with advisors who shop for a plan the same way as they would for their Mom or Dad. No matter the age.
Thanks again and God bless!

Jeff LeSourd · Answer

Yes, if you feel comfortable that they are VERY knowledgeable about Medicare and its constant changes. I have seen agents that sell Life insurance and other products give wrong and expensive advice to clients due to Medicare being a side part time piece of their business. I personally am on Medicare and know it as a consumer as well as my full time focus. Medicare is too important of a Seniors financial expense to get advice from someone who isn’t extremely knowledgeable about it.

Answered by Jeff LeSourd on December 29, 2025

Agent Licensed in VA, DC, FL & 6 other states

Answered by Jeff LeSourd Medicare Insurance Agent

Marsha Evans · Answer

Of course, they will always have answers for questions they may have from vetted colleagues! Sometimes fresh and new is better! I say !

Is it ok to work with a younger Medicare Advisor?

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Is it ok to work with a younger Medicare Advisor?

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Related Questions

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A non-government resource website