Is my son or daughter allowed to help me with my Medicare plan?

Question

Christopher Boyd · Accepted Answer

Absolutely, I recommend it. Children can become beleaguered when negotiating their parents Medicare Advantage plan network when their parent suddenly falls sick and requires specialized care or treatments or when looking for a specific physician or hospital. Also they can become exasperated when helping their sick parent pay their Maximum Out Of Pocket when covering large expenses such as chemotherapy or complications requiring on going care. This is often further complicated when the parent and adult children live in different states.

Answered by Christopher Boyd on September 4, 2025

Agent Licensed in IN, KY, MI, OH, PA & TN

Answered by Christopher Boyd Medicare Insurance Agent

Mike Alexander · Answer

Yes they can help you will need to request that they be available when you call and aak for permission to be on the line with you

I would also recommend that you get  a power of attorney to save time in the future

Daniel Brechin · Answer

By all means yes.  I many times tell customers that they may invite anyone to the meeting.  I find it helps ensure the customer to feel free to ask questions.

Norman Smith · Answer

You can have ANYONE help you with your Medicare! But would you let an Auto Mechanic remove your appendix? Would you be able to trust the veterinarian's help when you were looking for knowledge aid in repairing the siding on your house? Most likely "NO"!!! so find a professional whose career it is to stay on top of the changes in Medicare from year to year, and can address and answer the real questions you may have. Trust a Medicare Professional!

Answered by Norman Smith on September 29, 2025

Agent Licensed in FL, AL, NJ & PA

Answered by Norman Smith Medicare Insurance Agent

William Lawler · Answer

Absolutely! I would encourage you to allow your son or daughter to help you with your Medicare plan. Two heads are better than one.

Bill Wheeler · Answer

+
Yes, your son or daughter is absolutely allowed to help you with your Medicare plan. 
Having a trusted family member assist with researching plans, reviewing materials, and helping with paperwork is highly encouraged to ensure you get the best coverage. However, to protect your privacy, Medicare has strict rules about when your children can speak on your behalf or make changes to your plan.

Pamela Masters · Answer

Yes as long as you are present or they have a power of attorney. With your permission we can talk about the plan with them but in order to finalize the plan it is important for the agent to make sure the client understands the plan and you would have to sign the application or agree to an electronic signature.

Answered by Pamela Masters on November 16, 2025

Broker Licensed in NC

Answered by Pamela Masters Medicare Insurance Agent

Tony Capraro III · Answer

Medicare agents have a lot of resources for seniors to get their questions answered. I'm Tony Capraro from the State Farm Chaparro Agency here on Telly Street in Manchester. Is my son or daughter allowed to help me with my Medicare plan? Absolutely! We encourage it here at my agency. My folks, when we book an appointment with our clients, we'll ask them to bring in their kids. Just so everybody's in one place and everybody's on the same page, especially when you're doing Medicare planning. It's extremely important for everybody to know what's going on.

So we give them all their options, whether it's Medicare Advantage, whether it's Medicare supplement, or whether it's a part D prescription drug plan. Then everybody knows what's going on. And it really helps out in the future when the parents get a little bit older, and then the kids can come in and help and say, "Hey, this is exactly what we did, and we know how it works."

So please let someone like myself help you, and then we'll bring in your kids, and everybody will know what's happening. Everybody on the same page. Thank you!

Steven Graves · Answer

Yes, your son or daughter can assist you with your Medicare plan, but there are a few important guidelines to keep in mind:

What can they assist you with?

1. Reviewing plan options with you

2. Helping you compare costs and coverage

3. Assisting with online applications or paperwork

4. Speaking with Medicare or insurance companies on your behalf (with proper authorization).

It's always good to have a second set of eyes and ears involved in the selection process. As an agent, I enjoy meeting the family members and knowing they care about mom or dad.

Nikki Rowland · Answer

Sure they could help if you needed. Depending on what type of help or how extensive the help, you may need someone that deals with this industry daily to help make those decisions as it can get quite complicated.

Answered by Nikki Rowland on November 24, 2025

Broker Licensed in SC & NC

Answered by Nikki Rowland Medicare Insurance Agent

William Gray · Answer

Well, we must first distinguish what we mean by help. If they are acting on your behalf without your authorization and independently of you being there, then the answer is not without a durable power of attorney. 

If by help you mean going over plans and helping you make decisions while you are there and in full agreement with the decision, and you are the one signing the application, then yes, they are allowed to help you. 

William Gray
The Medicare Dude
Contact us.

James Carlson · Answer

Having medicare and paying premiums are the key to lasting better health.  If one cannot pay them help from family members is totally acceptable.

Sherry Rose · Answer

Yes of course, it always a good idea to have 4 ears instead 2!!
Please contact our office to set up and appointment or answer any other questions you may have!

Chad Sickle, RN · Answer

Yes, your son or daughter can help you and selecting a Medicare plan that fits your needs. An independent Medicare agent is great to have as well and they will talk to you and any family you request to be included.

Answered by Chad Sickle, RN on January 26, 2026

Broker Licensed in NC & SC

Answered by Chad Sickle, RN Medicare Insurance Agent

Jennifer Sigman · Answer

Yes, they are able to be with you and be a part of the conversation and hear what is being said. However, if you are the responsible party and able to understand and sign you will need to be the to sign the documents. Are you wanting to schedule an appointment?

Answered by Jennifer Sigman on November 21, 2025

Broker Licensed in OH, AL, IA & 12 other states

Answered by Jennifer Sigman Medicare Insurance Agent

Richard Pagano · Answer

Your son or daughter can help you, but what they are allowed to do depends on the situation.

- They can help you shop and understand options. They can compare plans, look up doctors/drugs in networks and formularies, and help you gather information and paperwork.

- They can usually help during calls if you are present. If you call Medicare or your plan and your child is on the line with you, you can typically give verbal permission for the representative to speak with them during that call.

- To speak to Medicare or the plan without you, they usually need authorization. You can file an authorization (often called an “Authorization to Disclose Personal Health Information”) with Medicare and/or complete your plan’s “authorized representative” form so your child can talk to them on your behalf.

- To enroll you or change your plan, you generally must authorize it. In most cases you must complete the enrollment yourself (or sign), unless your child has legal authority (such as power of attorney/guardianship) and the organization accepts it.

Elliott Klepner · Answer

Your son or daughter can help you with your Medicare decisions. However, they can not sign for you unless they have your medical power of attorney. Additionally, a trusted friend or spouse can sign on your behalf if they have been granted your medical power of attorney.

Answered by Elliott Klepner on October 3, 2025

Broker Licensed in FL

Answered by Elliott Klepner Medicare Insurance Agent

Timothy Baggett · Answer

Yes, a son or daughter can help you with your Medicare decisions. Many people will have a family member sit in on appointments to help compare plan options, help with paperwork, and ask questions to make sure everything is clearly understood. Medicare allows this, and a good agent will gladly include them in phone calls or meetings so everyone is comfortable with the decisions being made.

If your child needs to speak to Medicare or an insurance company when you’re not present, you may need to give verbal permission on the call or complete a form to give authorization.

Patrick Bullock · Answer

Absolutely. In fact, I encourage retirees to invite a son or dfaughter to sit in on an appointment. It helps to have a second  set of ears or to ask questions the client may not think of.

Steve Houchens · Answer

Anyone you wish may be able to help you with decisions but for them to make changes or anything along that line they would need to be appointed as Power Of Attorney. Just to give advice they can do that without anything legal.

Answered by Steve Houchens on September 4, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Ron Cronwell · Answer

Ues, relatives and close friends are alowed to assist you in looking at options. The final decision remains with you and how you value each option, not how it makes your kids feel.
If you feel pressured, perhaps finds a trusted local agent to assist in your understanding about the options.

Kristen Skinner · Answer

Yes. But it would be prudent to call or talk to an agent as they may have more knowledge because they have been doing the job for years.

Walt Smith · Answer

Yes, you absolutely want to help from her son or daughter in determining your Medicare plan. I always encourage family members to help their parents. They should know what you’re doing and be able to assist you with doctors and other information that sometimes challenging for you to get.

Answered by Walt Smith on December 1, 2025

Agent Licensed in NJ, NY, PA & VA

Answered by Walt Smith Medicare Insurance Agent

Terry Salak · Answer

Are you asking if they can help you as "an agent", a family member or are you asking if they can help you as an authorized representative?

If you want to appoint a family member to act on your behalf as your "authorized representative" then they can certainly do that but would need to file the correct paperwork with CMS.  Here is a link to that form:

https://www.cms.gov/medicare/cms-forms/cms-forms/downloads/cms1696.pdf

If you want them to sit in on meetings to help you understand your Medicare options, but you will be the one who ultimately makes your final decision then you would not have to have this form on file.

David Ryerson · Answer

You can have anybody you want help you with it, but unless that person has power of attorney for you, you have to be the one to make the decision and sign the application.

Wendy Bradford · Answer

Absolutely, Your children should & definitely to know about your medicare coverage. It's essential information that your loved ones need to know in the event of emergencies or should something unexpected happen. 
I personally love working with a medicare recipients when the family is also part of that decision. 
Everyone gains peace of mind.

Mary Brown · Answer

Yes, your son, daughter, or any trusted person can help you with your Medicare plan if you authorize them. You can give them a “personal representative” designation with Medicare or your plan so they can access information, enroll, or manage your coverage on your behalf.

Answered by Mary Brown on March 30, 2026

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

Answered by Mary Brown Medicare Insurance Agent

Andrew Kramer · Answer

Well no one is going to stop anyone helping pay your premium or co-pays, depending what plan you have. There is nothing illegal about that!

Meghan Blankenship · Answer

Yes, your son or daughter can absolutely help you with your Medicare plan, but there are a few steps to make sure they're officially authorized to do so - especially if they need to speak with Medicare or your insurance provider on your behalf.

Answered by Meghan Blankenship on November 13, 2025

Broker Licensed in FL, MD & OH

Answered by Meghan Blankenship Medicare Insurance Agent

Mark Boone · Answer

of course. It's a good idea to discuss your plans with your family so they know what is available and what you have for coverage. If you want them to talk to Medicare or to an agent regarding what plan is best for you, you either need to be in room with them or they have some type of documentation that allows them to act on your behalf, such as a power of attorney.

Answered by Mark Boone on December 2, 2025

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

Answered by Mark Boone Medicare Insurance Agent

Dean Chiapetto · Answer

If you are asking about an Advantage plan or Drug plan the answer is yes. However, find a local broker who will have the knowledge to help. Brokers make a difference!

Eizel Mere · Answer

Yes they are. If you want your kids to be involved in the process to pick out a Medicare plan they most certainly can. I have had meeting with clients and their kids in person, call or zoom.

Michelle Ryan · Answer

Yes, your son or daughter can absolutely help you with your Medicare plan if you are unable to make those decisions on your own. However, a power of attorney giving them authorization to make those decisions on your behalf would be required. As long as you're still able to make those decisions and you just want their assistance to be there, then no power of attorney is required, and they can be there, of course, to help you with all of that.

William Scott · Answer

They can assit you in determing what plan works best for you. Most Insurance Brokers that offer Medicare Advantage and Supplement plans are open to consulting you and your family members on finding the right plan for you in your area.

Answered by William Scott on September 16, 2025

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

Answered by William Scott Medicare Insurance Agent

Chad Hardy · Answer

Yes — your son or daughter can absolutely help you with your Medicare plan.
Family members are allowed to sit in on calls, compare plans with you, help you understand your options, and even talk with an agent as long as you give permission. A lot of people lean on their adult children during Medicare because it can feel overwhelming to sort through everything on your own.

If you want a clear, easy guide you can go through together, there’s a great resource called Helping Your Parents Navigate Medicare

Alicia Tyring · Answer

If you elect to have your son or daughter as your power of attorney, yes. If they are not your power of attorney, they can assist with your verbal permission, however any enrollments will need to be made by you.

Answered by Alicia Tyring on February 24, 2026

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

Answered by Alicia Tyring Medicare Insurance Agent

Charlie Fitzgerald · Answer

If by help you you are referring to going through your options and assisting you in making a suitable selection, of course they may. I encourage you to all meet with an Independent Insurance Broker with Medicare Certifications for a variety of carrier/providers in your area to work with you and your children.

Answered by Charlie Fitzgerald on May 4, 2026

Broker Licensed in NV, AZ, CA & 12 other states

Answered by Charlie Fitzgerald Medicare Insurance Agent

Patrick Stinson · Answer

In short, yes. Although you must be able to make the final decision or one of them would be a POW (power of attorney) to make it for you. They could also help the enrollment form as well. I hope this helps.

Answered by Patrick Stinson on November 26, 2025

Agent Licensed in TX, AR, AZ & 9 other states

Answered by Patrick Stinson Medicare Insurance Agent

Chauncey Bragg · Answer

Yes you can have anyone you trust to sit in with you and listen to everything that is being said. They can ask questions and help you make the right decision for you.

Michael Gilman · Answer

Yes, your son or daughter is absolutely allowed to help you with your Medicare plan. I personally welcome trusted family members into the conversation because it keeps everyone on the same page and makes the process smoother and more comfortable for you. You’re always in control of your decisions — your child is simply there to support you, ask questions, and help you feel confident throughout the process.

Answered by Michael Gilman on March 10, 2026

Broker Licensed in NY

Answered by Michael Gilman Medicare Insurance Agent

Akia Alexis · Answer

If they are knowledgeable but I suggest having a trusted advisor that can educate all of you that way you can make an informed decision on your health coverage. There is a lot of information and depending on your income you could possibly qualify for extra benefits.

Answered by Akia Alexis on September 4, 2025

Broker Licensed in GA, FL & SC

Answered by Akia Alexis Medicare Insurance Agent

Charles Mai · Answer

Your son, relatives and friend can help you to an extend like gathering information. However, they need to be your authorized representative (for example, have the power of attorney) to help you enroll (make decision and sign the enrollment application).

Answered by Charles Mai on October 27, 2025

Broker Licensed in NJ, CA, FL & 6 other states

Answered by Charles Mai Medicare Insurance Agent

Marc Gilman · Answer

Yes, I always welcome a son, daughter, interested family member or even a caring friend to be involved with my customer's health plan selection, When we get sick, we always want to have someone who has copies of our Medicare and Health Plan cards If they are familiar with our healthcare needs, that is even better.

Answered by Marc Gilman on March 13, 2026

Agent Licensed in NH, FL, MA, ME, TX & VA

Answered by Marc Gilman Medicare Insurance Agent

Pedro Rodriguez · Answer

English 
65+ and wondering if your kids can help with Medicare? Yes  — your son or daughter can help you review options and even talk to Medicare or your plan, as long as you give them permission.  With the right authorization, they can make the process easier and stress-free. 

Español 
¿65+ y te preguntas si tus hijos pueden ayudarte con Medicare? Sí — tu hijo o hija puede ayudarte a revisar opciones e incluso hablar con Medicare o tu plan, siempre que les des autorización. 
 Con el permiso correcto, todo se vuelve más fácil y sin estrés.

Vicki Wuest · Answer

Absolutely! Good brokers always ask if there is someone that helps them with their medical decisions, especially if the member seems confused.

Zenaida Rivera · Answer

Sure, you can designate a trusted person, as an authorize representative.  Only you will have to submit a formal authorization, using the form CMS-1696. Officially recognized by Medicare.

Julius Baradas · Answer

If you they have a power of attorney under you they can certainly speak on your behalf. But if you can make decisions for yourself but you need a family to translate or give you support during a one on one session with an agent that would be okay.

Answered by Julius Baradas on September 5, 2025

Agent Licensed in CA

Answered by Julius Baradas Medicare Insurance Agent

Howell Silverman · Answer

They can’t “sign up FOR you unless they have a proper power of attorney, but they can certainly help you. They can help you apply for Medicare or be in the phone or participate in a face to face visit by a qualified person to help you understand your options and then at your option, enroll you in a plan if that’s what you’d like.

So yes, they can help you 

I recommend you seek the advice of a licensed, certified and appointed agent to get your questions answered.

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Is my son or daughter allowed to help me with my Medicare plan?

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Related Questions

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A non-government resource website