What are the reasons why I should work with a Medicare agent?

Question

Yasmery Vargas · Accepted Answer

The only reason you should work with a medicare agent is because of the quality of understanding you get from quality agent. A true agents purpose is to do right by the consumer. A true agent should be able to communicate the medicare Information clearly, communicate why its important and how it affects you annually. They should be able to not only be responsive but cater to finding a plan where you dont have to change your Dr's or hospitals to use the plan. They will provide you with an annual review to make sure you are always in the best place medically. A quality agent is strong enough to put commission aside to help there consumer.

Answered by Yasmery Vargas on May 5, 2025

Agent Licensed in PA

Answered by Yasmery Vargas Medicare Insurance Agent

Gary Church · Answer

Why you should work with a Medicare agent or broker is that they should review all the plans that are available in your area. I would recommend meeting with the broker and reviewing all your options.

Steve and Sue Brauer · Answer

Well... I would only recommend working with an INDEPENDENT Medicare agent, and one that you think you can trust. Our services are free, and I highly recommend you find an Independent broker that ONLY does Medicare.... Medicare has a lot of nuances, and I've learned over the years, you can't be an "expert" at everything!

Answered by Steve and Sue Brauer on April 8, 2025

Broker Licensed in AZ & CA

Answered by Steve and Sue Brauer Medicare Insurance Agent

Mike Alexander · Answer

You need to get a trusted advisor and go to medicare.gov for plan details.every one has different needs and you need to be sure the plan you get is the right one for you.
Many choices an experienced advisor can assist you

Daniel Brechin · Answer

The reason to get help from a Licensed Agent are simple. Now anyone can can sign up for anything. However, an agent will shop for what you need. Each program or supplement has draw backs. Letting an agent help you find the one that fits your particular needs. I have been assisting Medicare recipients since 1996. I have helped many make the correct answer about health care.

Answered by Daniel Brechin on November 10, 2025

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

Answered by Daniel Brechin Medicare Insurance Agent

Norman Smith · Answer

Do you know the difference between your Medicare options? Do you know what changes happen from year to year? Would you like to be able to have someone discern the differences within the plans so that you are not overspending or underspending now for less coverage in the future? You need a mechanic, you need Bankers, you need Doctors and Nurses - people who are educated within the specialty of particular services. Don’t feel you are too smart to lean on a professional in this field to have the best chance to get the proper plan for you.

Answered by Norman Smith on July 18, 2025

Agent Licensed in FL, AL, NJ & PA

Answered by Norman Smith Medicare Insurance Agent

Lt Col Tim Brown · Answer

The same reason you should work with other professionals. I have to certify every year to provide Medicare products to people. I’ve been doing insurance for 36 years. I have 30 companies. You’re just stepping into the Medicare arena. Think that might be a reason.

Answered by Lt Col Tim Brown on April 9, 2025

Broker Licensed in TN, AL, CO & 10 other states

Answered by Lt Col Tim Brown Medicare Insurance Agent

William Lawler · Answer

There are two reasons why you should have a Medicare agent. No. 1, a Medicare agent is there to answer any questions you might have, so you don't have to call the insurance company and be on hold for an extended period of time. An agent should be able to answer your questions pretty quickly. No. 2, every year, if you have an agent, they can do the research and make sure that you have the best plan available. These plans do change every year, so you want to have an agent to make sure you have the best.

Terri Reagin · Answer

A good agent will help be a filter for you. They know which plans your doctors take, what formulary your prescription is on, can give you a cost analysis of what to expect in copays and prepare you for the things that medicare does not cover. Our help is free. You do not pay more for any plan because you use an agent. It has been my experience that people are far more satisfied with the choice when they have all the background information that you may not always know where to look for. I usually toggle between about six screens when researching a plan! In addition, I offer yearly plan reviews for my clients so that they are up to date on any changes in the market.

Answered by Terri Reagin on July 17, 2025

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

Answered by Terri Reagin Medicare Insurance Agent

George Ibanez · Answer

Well, there are a number of reasons why you should, but the most important is that if you make your plan decision on your own, you could make a mistake that you may never be able to fix for the rest of your life.
Medicare insurance brokers also represent multiple insurance companies and will be able to show you which companies will work better for you, also which ones are the most conservative when it comes to rate increases and who gives the best customer service, as well as staying on top of your premiums and help you change carriers if an out of line increase would occur and guide you through the process.
Finally, Medicare insurance agents DO NOT cost you or charge you ANYTHING for their services, so why would you take the chances of making the biggest mistake of your life by making a decision on your own or calling an insurance company directly and getting only 1 rate, rather than the best rate that you can get?

For a professional opinion, contact George, and I will personally help you.

Ann Sanfelippo · Answer

Working with a Medicare agent helps you compare plans from multiple carriers to find coverage that best fits your health needs and budget. An agent also guides you through enrollment, explains your benefits, and provides ongoing support if your needs or plan options change.

Answered by Ann Sanfelippo on October 5, 2025

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

Answered by Ann Sanfelippo Medicare Insurance Agent

Bill Wheeler · Answer

Medicare agents know the plans and are educated to help choose the best plan for you. Everyone has different needs. And we can help with finding the correct plan for you and be there to answer questions as they arise.

What Matters To You Matters To Us!

Charise Karjala · Answer

What are the reasons why I should work with a Medicare agent? I'm gonna divide my answer into two parts.

No. 1: Why should I work with a Medicare sales agent who works for a company versus an independent broker that works for a large entity like Health Markets and brokers for a number of different carriers? So, why should you work with a Medicare agent that works for Humana, United Healthcare, Alignment, etc.? I wouldn't. They're there to sell you a policy, and then the company follows up. If you have a problem, do you call your agent? Well, you could, and they may or may not call you back. They don't necessarily have an obligation to do that. They will more than likely have you contact the customer service department. There are some agents that will meet their commitment, but don't assume that they will. Most people don't even know the phone number of the agent they spoke to.

Now, let's go on to the second question: What are the reasons why I should work with a Medicare broker? This is somebody that works in the community, represents at least five companies, and has been doing this for a long time—probably 10 years. If you can find somebody like that, hit gold! This person can assess your needs and do a diagnostic of your situation—what doctors you see, what drugs you take, nearby facilities, family history, projected costs. If you've got a spouse, are they going to care for you if you become disabled?

So, I really get to know my client's whole situation, and we can pivot around problems that we can anticipate. For example, if we know you're going to need a couple of implants, you're going to need a policy that covers those implants. Then we drill down and find the implant policies. You need to find a good cardiologist who can do that valve replacement. Well, maybe we're going to go up to Cedars-Sinai or Mayo Clinic, or maybe we want to stay with our Medicare Advantage company and see which cardiologists are in-network and if they’re truly pros.

Working with a broker who is experienced and willing to dive deep with you can honestly save your life because they can anticipate your needs and provide resources as you need them, as your relationship evolves. It's about building a trusting, long-term relationship where they will care for you. So that's the main answer—caring for you.

Tony Capraro III · Answer

Medicare agents have a great forum for seniors to get their questions answered about Medicare today. What are the reasons why I should work with a Medicare agent? There are so many right now I couldn't even list them in the 90 seconds that I have here to answer you. What you really want to look at is working with someone like myself here at my State Farm Agency on Kelly Street in Manchester who can truly advise and explain how Medicare works.

Original Medicare parts A and B, original Medicare parts A and B with a Medicare supplement added to cover your deductibles and out-of-pocket costs. Or we want to get a Medicare Advantage plan, which incorporates everything including prescription drugs. Those are the things that most seniors at age 65 really need to know before they make this all-important Medicare decision.

Let me ask, who do you know at age 65, as they get older, has better health? No one. So you need to make that right decision. Work with someone like myself who offers both Medicare supplement and Medicare Advantage and can give you the pros and cons of each. I'll give you great information so that you can make a great decision for you and your family. Medicare is much too important to put off or to make an incorrect decision. I'd love to help you.

Edward Smith, ChFC, CRPS, AIF · Answer

It is always good to have an advocate. If you work with an independent agent, you have a small business owner that needs and wants your business. If that person is worth their salt, they will always put your interest before their own. The thing that benefits the independent agent more than anything, is what I call shelf-life. The longer you stay with an independent agent the more they make and are able to grow their business. Also, buying from an independent agent doesn't cost you anything. The price and benefits are the same. However, as your needs change, or benefits change from year to year and from company to company, that agent can always steer you to the plan and company that best fits your needs through the years. Relations matter, 800 numbers can't do that.

Answered by Edward Smith, ChFC, CRPS, AIF on May 12, 2025

Broker Licensed in OH, GA, IN, KY & TN

Answered by Edward Smith, ChFC, CRPS, AIF Medicare Insurance Agent

John Becker · Answer

Medicare agents can help make the very complex subject of Medicare seem easy. They can help clearly explain your options so that you can understand them. Choose someone who is and INDEPENDENT Medicare advisor that works with all the top companies and does not just have a bias towards one or two companies.

Answered by John Becker on September 30, 2025

Agent Licensed in WI & MN

Answered by John Becker Medicare Insurance Agent

Jonathan Potter · Answer

You can try to chose a plan by yourself but a good agent will know the differences between all the companies. Not all companies will cover the same doctors, hospitals, dentists and medications. A good medicare agent will be able to find the best plan for you with a little research and they can be a resource for you every year to evaluate the plan changes.

Answered by Jonathan Potter on June 9, 2025

Broker Licensed in UT, AZ, CA & 14 other states

Answered by Jonathan Potter Medicare Insurance Agent

Ronnie Robinson Jr · Answer

As you can see with the current or past government climates, at any moment, the plans associated with the government can change. Instead of keeping up with the changes, leave it up to us to help you navigate through them regardless of the changes.

Answered by Ronnie Robinson Jr on August 12, 2025

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

Answered by Ronnie Robinson Jr Medicare Insurance Agent

Shelly Hefley · Answer

Working with an agent and ensure you have someone that is up-to-date on the most recent changes. Trying to do things on your own. There are a lot of changes that happen every year in Medicare and I have new clients always saying why didn’t I know that? You don’t wanna be one of those people, paying a lifetime penalty for something that could be avoided

Answered by Shelly Hefley on July 25, 2025

Broker Licensed in IN, AL, IL, KY & TN

Answered by Shelly Hefley Medicare Insurance Agent

Steven Graves · Answer

Working with a licensed Medicare agent can offer significant benefits, especially when navigating the complexity of Medicare. Here are some key reasons why it’s worth considering:

1. Personalized Guidance
An agent helps match your healthcare needs, medications, and budget to the right Medicare plan—whether it’s Original Medicare, Medigap, or Medicare Advantage.

2. Access to Multiple Plans
Independent agents represent multiple carriers, giving you a broader view of available options—not just one company’s offerings.

3. Cost Doesn’t Increase
There’s no extra cost to you—agents are compensated by the insurance companies, not by you, and your premium stays the same whether you enroll on your own or through an agent.

4. Help with Enrollment
Agents handle paperwork, explain timelines, and help avoid common enrollment mistakes that could result in penalties or gaps in coverage.

5. Ongoing Support
A good agent offers ongoing assistance—helping with plan reviews during Annual Enrollment, claim issues, or provider network changes.

Regards,

Serving all of Texas Florida and California
Contact me.

Lauren Fodde · Answer

Working with a Medicare agent saves you time, stress, and confusion. Medicare can feel overwhelming with all the plan types, costs, and fine print — and what’s right for your neighbor may not be right for you. As your agent, I act as your guide and advocate by:

Explaining your options clearly – I break down the differences between Medicare Advantage, Supplements, and Prescription Drug Plans in plain language.

Personalizing recommendations – Together, we look at your doctors, prescriptions, budget, and lifestyle to match you with the plan that truly fits your needs.

Checking your providers and prescriptions – I make sure your doctors are in-network and your medications are covered, so you avoid costly surprises.

Giving year-round support – My role doesn’t stop at enrollment. I’m here to answer questions, help resolve issues, and review your coverage annually to keep it working for you.

No extra cost to you – My services are free. Plans pay me, not you, so you get unbiased guidance without added expense.

With a Medicare agent, you don’t have to figure it out alone — you gain a trusted partner who makes sure you’re confident in your coverage.

Justin Doherty · Answer

In both my personal and professional opinion, there are many reasons for seniors to work with a Medicare agent. A good agent might focus on one or two companies, but he or she should be able to offer you plans from multiple companies. The agent should also be able to offer you Medicare Supplement plans, Medicare Advantage plans, Prescription Drug plans, and ancillary plans for things like Dental, Vision, Hearing, Cancer, Critical Illness, and Hospital Indemnity. You might not need all of these, but your agent should be able to offer them and help you decide which ones will best fit your needs.
Once you have an agent, he or she will be able to provide the following:
1) Thorough and HONEST review of plan benefits and coverage.
2) Help understanding and choosing your options.
3) Help enrolling in the plan YOU choose.
4) Help throughout the year if you have ANY questions on medications, providers (networks), plan benefits, bills, etc.
5) Plan reviews during the Annual Enrollment Period each Fall.

Misty Bolt · Answer

YOU HAVE A ADVOCATE ANYTIME YOU HAVE A CLAIMS ISSUE. IF YOU NEED ANY KIND OF HELP YOU HAVE A LOCAL NUMBER NOT A TOLLFREE NUMBER.

Steven Litzsinger · Answer

Medicare has gotten more complex over the years and many Medicare beneficiaries struggle with understanding, navigating, and accessing their benefits.
 A licensed Medicare agent is a subject matter expert that remains up to date and current with all things related Medicare and can make navigating your benefits and all available options much easier and less frustrating for you and your family.  

When you are overwhelmed by all of the choices and the noise around your benefit options (traditional Medicare, Medicare Supplement, Prescription Drug Plans, and Medicare Advantage) and the extra benefits on top of traditional Medicare, an agent can simplify it and highlight the key differences between each option, the pros and cons with each option, and help you as the beneficiary make an informed decision. 

Please keep in mind, the Medicare Agent is your resource and advocate throughout the year and not just during Annual Enrollment Period (AEP). A local, trusted, advisor and licensed Medicare agent can help you maximize your benefits, reduce your risks, gain insight to the total cost of care and max out of pocket, and help you identify the best plan to meet your individual needs. 

A good, value added, Medicare Agent will maintain communication and engagement throughout the year and will take a proactive approach to any upcoming or pending changes and help you navigate any concerns or issues along the way. 

The goal is to make your Medicare journey easier and to optimize your health and wellness through the various Medicare programs, benefits, and resources. 

As a registered nurse and licensed Medicare Agent, we leverage our industry knowledge, along with our clinical expertise, to ensure our clients have access to the best care and programs in the market.

Kerwyn Jones · Answer

It's cist you nothing to work with me.
It also help you you avoid somw costly mistakes typically made by Medicare Beneficiaries.

Don Hudson · Answer

There are many Advantages of working with a local agent. Some are if you run into a problem with your plan they can sit down with you and explain what is going on. A local agent is also available to meet you at your home if you don't want to discuss over the phone.

Answered by Don Hudson on June 4, 2025

Broker Licensed in FL

Answered by Don Hudson Medicare Insurance Agent

Cody Biggs · Answer

Working with a Medicare agent makes the whole process easier because you don’t have to guess your way through dozens of plans, changing rules, or confusing enrollment periods. A good agent listens to your situation, compares every option available to you, and helps you avoid costly mistakes—ensuring you end up on the plan that actually fits your doctors, prescriptions, and budget.

Answered by Cody Biggs on December 11, 2025

Broker Licensed in LA, AL, AZ & 24 other states

Answered by Cody Biggs Medicare Insurance Agent

Marsha Reiniers · Answer

Medicare choices can be overwhelming. Even how to sign up for Medicare and knowing when to do it can be fraught with questions. Having a reputable agent who understands and listens to your concerns can make your enrollment a seamless process. An agent who works in your market can ensure the plan you select meets your needs, and can be a continued resource from year to year. Work with an agent you like and trust!

Answered by Marsha Reiniers on June 2, 2025

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

Answered by Marsha Reiniers Medicare Insurance Agent

Cheri Rogers · Answer

There is a lot to know and consider before choosing a Medicare Insurance plan to fit you and your personal needs. A Medicare Agent has extensive training and completed many certifications to serve the public at their best interest.
Don’t risk this very important decision to luck. Seek out a Medicare Agent.

Joseph Bachmeier · Answer

Hello everybody. A big question that someone asked is why should you work with a Medicare broker? The good thing about a broker compared to a captive agent, and I worked as a captive agent many years ago, is that I could only sell one carrier. If you didn't fit that profile for that carrier, or if that plan wasn't the best, that's the only thing I was able to offer you. In some cases, some captive agents push people into that product. The great thing about being a broker is I basically work for you. My concern is not with the carriers; my concern is with you, the client. I'm able to shop you around to every single carrier out there and get you the plan that makes the most sense for you. If we need to make changes down the road, we do that. But that's one of the best reasons to work with a broker. You're not paying me personally; I get paid by the insurance carriers. So, that's another thing you don't have to worry about. My services come free, and you decide what you want to do with that information. I hope that helps. Have a great day.

Patricia &#039;Tif&quot; Bush · Answer

We are not all creative equal. Personally I educate my potential clients about all of their options and then let them choose. The reason you want a good and experienced Medicare agent is because we know the plans inside and out. I have 20 years experience with just Medicare. I also do not write and run. I will be your service agent for the rest of your time on Medicare answering all your questions and helping you renew your plan every year.

Answered by Patricia 'Tif" Bush on September 4, 2025

Broker Licensed in ct, FL, NC & SC

Answered by Patricia 'Tif" Bush Medicare Insurance Agent

Robert Lukasik · Answer

Working with a certified independent agent gives you the opportunity to compare all plans available to you. Not all agents are qualified to show you all plans and may only show you what they are certified to show you.

Answered by Robert Lukasik on September 18, 2025

Broker Licensed in NY, FL & PA

Answered by Robert Lukasik Medicare Insurance Agent

Ravi Natarajan · Answer

A Licensed Medicare Plan Broker/Agent can look at all the plans available to you, on one screen, and guide you through the process of enrolling you in a Plan that will be a good fit.
If you need further assistance, you can contact me.
Ravi

Brian Cronin · Answer

An experienced, local Medicare agent will take the time to understand your situation and specific needs and help you to identify the best Medicare plans and strategy for you! We do this all at no cost to you.

Answered by Brian Cronin on February 18, 2026

Broker Licensed in NH & ME

Answered by Brian Cronin Medicare Insurance Agent

Edward MacConnell · Answer

Because we have the experience to advise properly based on your own personal situation, in the Medicare world, a mistake can cost you significantly in lost money and opportunity and may not be resolved easily or at all. Unlike an agent who gets paid by the insurance company we work for, we are independent brokers who represent the best interests of our clients.

Jason Denniston · Answer

Working with a Medicare agent helps you compare plans from multiple carriers to find coverage that best fits your health needs and budget. An agent also guides you through enrollment, explains your benefits, and provides ongoing support if your needs or plan options change.

Answered by Ann Sanfelippo on October 5, 2025

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

Lilyana Uzdenova-Gomez · Answer

For me insurance is all about building relationships with trustworthy people. With hundreds of thousands of seniors being scammed online and over the phone every year, I love giving my clients peace of mind that their information is safeguarded and that their agent is looking out for their best interest by helping them compare multiple plans, while minding complex details like numerous prescriptions and providers in mind. 
     Eventually, AI may replace the skill set we as agents work so hard to build and hone year after year, but it will never replace the human care  and connection we establish with our clients. 
    You should work with me if you’d like security of your personal information, personal approach to addressing your needs, concierge experience with issue resolutions that allows you to either minimize or completely bypass dealing with customer service, continuous updates on the Medicare system and plan changes, and if you simply enjoy a good cup of coffee with a genuine person.

Jennifer McDonnell · Answer

An Independent Trusted Medicare Advisor/Broker is well versed at all your options and can help you do a thorough review of your needs. Your trusted advisor is there for YOU year round, year after year. Most experienced advisor/brokers stay in the business a long time. 63% of agents are out of the business within the first 2 years.

Answered by Jennifer McDonnell on May 26, 2025

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

Answered by Jennifer McDonnell Medicare Insurance Agent

Kate Spilsbury · Answer

Working with a Medicare agent means you don’t have to navigate all the confusing parts alone. A good agent helps you understand your options, avoid costly mistakes, and make sure your doctors, prescriptions, and budget are all aligned with the right plan. Best of all, our help comes at no cost to you—so really, the question is, why not?

Answered by Kate Spilsbury on October 20, 2025

Broker Licensed in FL, AZ, CA & 7 other states

Answered by Kate Spilsbury Medicare Insurance Agent

Sandra (Sandy) Steffy · Answer

There are several reasons to consider working with a Medicare agent when navigating your health insurance options:

1. **Expert Guidance:** Medicare can be complex, with different plans and coverage options. Agents have specialized knowledge and training that can help simplify the process and clarify your options.

2. **Personalized Assistance:** A Medicare agent can provide personalized recommendations based on your specific health needs, financial situation, and preferences.

3. **Plan Comparison:** Agents can help you compare different Medicare plans side by side, highlighting the benefits, costs, and coverage differences to help you make an informed decision.

4. **Enrollment Support:** They can guide you through the enrollment process, ensuring you meet deadlines and understand your rights and responsibilities under Medicare.

5. **Updates on Changes:** Medicare rules and plans can change frequently. A knowledgeable agent can keep you informed about any changes that may impact your coverage or options.

6. **No Cost to You:** Most Medicare agents are compensated by the insurance companies, meaning their services are typically free to you as the beneficiary.

7. **Advocacy:** If you encounter issues with your Medicare coverage or need assistance with claims, an agent can act as your advocate to help resolve problems.

8. **Continuous Support:** Many agents provide ongoing support even after enrollment, so that you can reach out to them with questions or changes in your situation.

By working with a Medicare agent, you can feel more confident and well-informed about your healthcare choices.

James Hale · Answer

Firstly, a professional consultation doesn't cost you anything-- why not have a professional help guide you through the process? Signing up for traditional Medicare when the time comes can be extremely confusing and aggravating. There are dozens of Medicare Supplement and Medicare Advantage plans available in any given region so unless you are well versed in the intricacies of health insurance it can be exceedingly difficult to make a well informed decision on your own. Also, making the wrong decision on a fixed income can be a costly mistake, sometimes negatively impacting your quality of life moving forward. Furthermore, if you call an insurance company directly they will tell you about the best plan that THEY have to offer but will not tell you if a competitor has something that is even better. An independent broker represents YOU, as opposed to the insurance company, and will help align you with the product that best meets YOUR needs.

Answered by James Hale on March 18, 2026

Broker Licensed in GA, AL, LA, OH & TX

Answered by James Hale Medicare Insurance Agent

Nicholas Depke · Answer

Working with a Medicare agent costs you nothing out of pocket since agents are paid by the insurance carriers, so you get expert guidance at no charge. A good agent will compare plans across multiple carriers, explain your options in plain language, and help you avoid costly mistakes like missing enrollment windows or picking a plan that does not cover your doctors or medications. Beyond the initial enrollment, your agent stays in your corner year after year, reviewing your coverage during Annual Enrollment and stepping in to help if you ever have a billing issue or claim dispute.

Answered by Nicholas Depke on March 26, 2026

Broker Licensed in NE, AZ, FL & 15 other states

Answered by Nicholas Depke Medicare Insurance Agent

Ryan George · Answer

Answer is simple, if you work with a local BROKER, they'll be able to represent (should anyways) all the carriers and plans in your area. They'll be able to pick up the phone any time and help without having to call n 800 number. You'll also get someone that is unbiased in terms of what carrier they benefit from, because in Medicare it's all federally regulated.

Answered by Ryan George on February 3, 2026

Broker Licensed in PA, AK, AL & 49 other states

Answered by Ryan George Medicare Insurance Agent

Rodney Powell · Answer

While it's possible to self-enroll for Medicare plans, it’s also easy to miss important details.  Most people simply don’t know what they don’t know.  Working with a trusted independent Medicare agent won’t cost you more, so take advantage of the guidance.

•  Medicare has many options — Original Medicare, Medigap, Advantage plans, and drug plans.  You'll get help with comparisons and find what fits your needs.

•  Agents review your providers, prescriptions, finances, and health needs to recommend plans suited to your personal needs.

•  They help you avoid missed deadlines, penalties, and coverage gaps.

•  Independent agents have access to plans from a variety of insurers, not just one.

•  You’ll want ongoing support for questions, claims, plan changes, and annual reviews — even after you enroll —  again, at no cost to you.

Joanna Finnegan · Answer

You trust that the agent is providing you with non-biased options. Your agent should be a Broker who offers plans with multiple companies rather than limited to one. Agents and Brokers have to re-certify each year with the companies they represent. They can help keep you informed of annual changes to your benefits and make sure you are in the plan that is most suitable for you. It is helpful to have a knowledgeable person that you know and trust and can call with your Medicare questions.

Answered by Joanna Finnegan on August 6, 2025

Broker Licensed in ID, AR, AZ & 31 other states

Answered by Joanna Finnegan Medicare Insurance Agent

Phillip Davis · Answer

Working with someone that understands the industry is a huge advantage. Agents can get to know you personally and help you to adapt to the ever-changing world of Medicare.

Bubi Gorgevich · Answer

To avoid surprises in the future and achieve the objectives that you have for your Medicare.
Regulations are strict, but different carriers have different options.

Bubi Gorgevich,
Contact me.

Janix Barbosa-LLanos · Answer

That’s a great question. Working with a local licensed Medicare agent like me means you’re never alone trying to figure it out.
I take the time to learn about your doctors, prescriptions, and goals so we can review all your options together — in simple, easy-to-understand terms.
Once you’re enrolled, I stay with you year-round to help with any changes, billing issues, or questions that come up.
The big difference between me and a call-center or online agent is personal connection — you’ll have one trusted person you can reach directly, not a different voice every time.
My role is to keep Medicare simple for you and make sure your plan always fits your life.

Mark Garrett · Answer

Working with a Medicare Broker like myself is your best option to get true unbiased results from an expert in the field. I write for all the top companies. I research plans that have your physicians, medications and extra benefits important to you. I base my recommendations on your needs. You never pay me a penny. The Insurance companies pay me when I enroll a client. And, if you choose not to use my services, hopefully I have still made a friend that my refer others to me.

Answered by Mark Garrett on October 21, 2025

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

Answered by Mark Garrett Medicare Insurance Agent

Ezel McIntee · Answer

Navigating Medicare can be confusing — there are dozens of plan options, each with different costs, coverages, and rules. A licensed Medicare agent helps make that process simple, personalized, and stress-free.

Answered by Ezel McIntee on October 30, 2025

Broker Licensed in OK

Answered by Ezel McIntee Medicare Insurance Agent

Dino Pappadis · Answer

A local Agent will take time to understand your needs, conduct a thorough analysis of your desired network of doctors and Hospitals as well as make sure all your prescriptions are covered in the formularies and make sure you will be enrolled to the suitable plan for your needs

Answered by Dino Pappadis on April 27, 2026

Broker Licensed in FL

Answered by Dino Pappadis Medicare Insurance Agent

Lauryn Ivey · Answer

To ensure you completely understand what Medicare is and what it does and what it does not do. To see all of your other options. To understand there can be penalties, that would never go away, if you don’t have correct coverage. You can never have too much information. Agents are licensed, certified and trained annually to know all the ins and outs of Medicare and Medicare type plans. What worked for a friend or family member may not be the best thing for you.

Answered by Lauryn Ivey on November 9, 2025

Broker Licensed in AL

Answered by Lauryn Ivey Medicare Insurance Agent

Jake Purvis - CMIP · Answer

Medicare can be confusing, and plans change every year. A Medicare agent helps explain your options in plain language, compares plans from multiple companies, and makes sure your doctors and medications are covered. There is no extra cost to work with an agent, and you have someone you can call anytime questions come up. Most importantly, an agent helps you avoid costly mistakes and missed deadlines.

Renee Brown · Answer

As a Medicare Agent, I can help you navigate through all the plans and provide personalized guidance mixed with the local knowledge of the plans and area doctors and services. I can also help you with more specialized needs and make sure that your needs will be met on whatever plan we chose. I will also be there for you 365 days a year as you need me, and I do all of this at no cost to you. Good agents are someone you can turn to with issues or questions as they come up and not just during open enrollment. Customer service is something that I pride myself on being very good at and working with my customers to help them when they need me.

Answered by Renee Brown on May 12, 2025

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

Answered by Renee Brown Medicare Insurance Agent

Allen McGirl · Answer

Medicare is complicated and if you do not work with a true professional who educates you on ALL options, then you could make a big mistake when you need medical care. I have helped thousands of people the past 30 years and I help educate and enroll a person on the plan they chose once they have all the information.

Answered by Allen McGirl on May 12, 2026

Broker Licensed in CO, AL, AZ & 34 other states

Answered by Allen McGirl Medicare Insurance Agent

Steve Adlman · Answer

As an independent Medicare advisor, I can simplify the complexities of Medicare parts and plans for you. My goal is to provide personalized guidance tailored to your unique needs, ensuring you find the best available health insurance options. I can help you make informed decisions about your Medicare coverage and secure the benefits you deserve.

Answered by Steve Adlman on January 15, 2026

Broker Licensed in AL

Answered by Steve Adlman Medicare Insurance Agent

Mark Sannes · Answer

Mark Sannes, CPCU – Your Trusted Spokane Valley Medicare Expert

Making Sense of Medicare: Step-by-Step Guidance

Hello! I’m Mark Sannes, a seasoned Medicare insurance agent and Certified Property & Casualty Underwriter (CPCU) based right here in Spokane Valley, WA. With decades of local experience, I don’t just sell plans; I help my neighbors in Spokane Valley, Liberty Lake, and beyond navigate the overwhelming "Medicare Maze" with clarity and confidence.

Why Work With Me?
Local Roots & Trust: My wife Sandi and I have been part of the Spokane insurance community for over 30 years. When you meet with me, you’re working with a neighbor who understands the local healthcare providers and options.

The "Step-by-Step" Approach: I know that Medicare is complex. I take the time to understand your unique health needs and budget, and I walk you through Original Medicare, Advantage Plans, and Supplements so you feel empowered to make the best choice.
Independent & Unbiased: As an independent agent, I work for you, not a specific insurance company. I compare plans from national and local carriers to find the best fit for your situation.

No-Cost Consultations: My services are completely free. I am here to educate, not pressure.
Whether you are turning 65, retiring, or reviewing your coverage during AEP, I am here to simplify the process.

Let’s Get Started!
Call my office today to schedule a personalized appointment—in-person at our Spokane Valley office or over the phone—and be sure to mention you found me on Medicare Agents Hub!

Office: Sannes Insurance, 100 N Mullan Rd, Suite 101, Spokane Valley, WA 99206
Contact us.

Karen Murray · Answer

Great question—here’s how an agent helps (at no extra cost to you):

Personalized plan match: I compare carriers side-by-side to fit your doctors, prescriptions, budget, and travel needs.

Avoid penalties & deadlines: Guidance on enrollment windows (AEP, SEP, IRMAA) so you don’t overpay or miss dates.

Drug & doctor checks: We verify formularies, tiers, and networks—before you enroll.

Ongoing support: Annual reviews if plans change, plus a real person to call for issues or appeals.

Time & money saver: You get curated options quickly, often uncovering lower total cost of care—not just low premiums.

Local insight, national carriers: What actually works well in our area, with transparent pros/cons.

Duane Everding · Answer

A Medicare agent will be able to provide how Medicare works and all the options available to you including original Medicare, Medicare supplement, or Medicare advantage plans. An agent will also help you asses if you will need additional coverage such as long-term care (nursing home), or hospital insurance to cover rising hospital copays. Of course, calling directly to CMS or federal Medicare is also an option, but often the call centers don't always understand the local dynamics of healthcare providers and network issues specific to your area.

Answered by Duane Everding on February 2, 2026

Broker Licensed in NC, AZ, MD & 6 other states

Answered by Duane Everding Medicare Insurance Agent

Robert Reed · Answer

You would a personal agent who is local rather than a faceless, impersonal agent over the who may not be familiar with the doctors or specialists in your area

Rose Cahill · Answer

Medicare can be very confusing to people. My job is to educate you on how Medicare works and provide you with choices suited to your needs in a way that allows you to make an educated decision. A Medicare agent like myself takes away the frustration and confusion of having to figure it out on your own. I educate you and then walk you through the process step by step. And best of all, I stay with you even after you enroll. When you have questions about your plan, you can call me first. I'm always there to answer your questions.

Answered by Rose Cahill on April 3, 2025

Agent Licensed in MA

Answered by Rose Cahill Medicare Insurance Agent

Steven DiPaolo · Answer

At the age of 42 I have come to the realization, don't be a hero.

Don't cut your own hair, don't do your own taxes, and don't do your own health and life insurance policies could be added to the list. 

Sure, there are exceptions, but for the most part, let a professional do their job because they are experts and will make sure you get the best outcome possible. 

Unlike a barber or tax pro, where at worst you lose a few hundred buck or don't leave your house for a few days, mistakes with your Medicare could be significant.

The best argument to use a Medicare Agent, is the fact that it does not cost you anything extra. In fact, you are essentially paying for them whether you use them or not, so you lose value when you choose to DIY. 

I always tell people to shop brokers, not plans. I would speak with 2–3 brokers to get their recommendations. Not all brokers are equal, some may be more experienced, offer more plans or just match your personality better. 

Also note, you want a broker, not an agent. Agents represent one company, brokers represent many. Your broker should help you compare options so you are getting the best coverage for the best cost.

Jennifer Sigman · Answer

Working with an Agent our job is to make it simple for you and are able to answer the questions you may have. Our goal is help ensure you understand all of your options in plain language so the you do not feel overwhelmed or confused.

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

Working with an Medicare agent can make the whole Medicare process a lot easier. They’ll break down the confusing parts, help you find a plan that fits your health needs and budget, and compare options from different insurance companies—so you don’t have to spend hours researching on your own. They can also help you avoid costly enrollment mistakes, and they’ll stick with you for annual reviews as plans (or your needs) change. Best of all, there’s typically no direct cost to you, since agents are paid by the insurance companies.

Here’s what I can do for you:

-Simplify the confusing parts: I’ll explain Parts A, B, C, D, and Medigap in plain language so you know exactly what you’re choosing and why.
-Match you with the right plan: I’ll look at your doctors, prescriptions, budget, and priorities, then narrow down the plans that truly fit you.
-Save you time and money: I’ll compare costs and benefits across Medigap and Advantage plans, point out hidden differences, and help you stay on top of key deadlines.
-Provide unbiased guidance: My job is to help you find the best fit—not push a one-size-fits-all plan.
-Support you long-term: I’ll help with enrollment, answer questions along the way, and do annual reviews to make sure you’re still in the right plan.


Specifically, I can help you:

-Compare Medicare Advantage, Part D prescription drug plans, and Medigap options
-Understand the fine print and insurance terms
-Complete enrollment smoothly and correctly
-Avoid compliance issues, penalties, and enrollment errors

Dustin Haffner · Answer

Because Medicare is way more confusing than it looks, and a good agent can save you time, money, and stress.

Medicare is not one-size-fits-all

Original Medicare, Medigap, Part D, Medicare Advantage… each has different rules, costs, and trade-offs. An agent helps match your doctors, meds, budget, and lifestyle to the right setup instead of guessing.

They help you avoid expensive mistakes
Choosing the wrong plan can mean:
Doctors suddenly being out of network
Medications not being covered
Surprise bills
Late enrollment penalties that last forever
Agents know the traps and help you dodge them.

Most Medicare agents are paid by insurance companies, not by you.
They advocate for you after enrollment
This one’s huge and often overlooked.
A good agent helps when:
A claim is denied
A drug gets dropped from the formulary
Your doctors change
Your plan changes benefits next year

Steve Thornton · Answer

With over 18 years of experience helping seniors get the extra benefits they deserve, I’ve seen firsthand how overwhelming Medicare can be. That’s why working with a knowledgeable agent can make all the difference. Here’s why:

Maximizing Your Benefits – Many seniors miss out on extra help, such as dental, vision, hearing, and even money-saving programs. I specialize in finding benefits you may not know exist.

Simplifying the Process – Medicare is complicated, but I break it down so you can easily understand your options and make confident decisions.

Access to Multiple Plans – Instead of calling different companies, I compare plans for you, ensuring you get the best coverage for your health needs and budget.

No Cost to You – My services are completely free. I’m paid by insurance carriers, so you get expert help at no extra charge.

Year-Round Support – Medicare isn’t just about enrollment. I’m here to assist with claims, plan reviews, and any changes throughout the year.

Avoiding Costly Mistakes – I help seniors avoid penalties, coverage gaps, and expensive surprises by ensuring they enroll correctly and on time.

Peace of Mind – You shouldn’t have to figure this out alone. I make sure you feel confident that your healthcare needs are covered.

Jennifer Whitworth · Answer

The health insurance field is extremely complex. Health insurance agents provide personalized guidance in helping clients choose a product that best suits their needs. Agents work with many insurance carriers and have in depth knowledge into the products they offer. The selection process is usually quick and easy and clients will have ongoing support.

Answered by Jennifer Whitworth on April 7, 2025

Broker Licensed in MA, CT, FL & 5 other states

Answered by Jennifer Whitworth Medicare Insurance Agent

Travis Harmon · Answer

Working with a Medicare agent saves you time, stress, and money. An agent helps you understand your options, compare plans, and avoid costly mistakes—all at no cost to you. We stay up to date on Medicare rules and plans in your area, so you get personalized guidance and ongoing support whenever your needs change.

Answered by Travis Harmon on September 3, 2025

Broker Licensed in OR, AL, AZ & 6 other states

Answered by Travis Harmon Medicare Insurance Agent

Maureen Gildea · Answer

1) working with a licensed professional with knowledge of how Medicare works is a good choice.  The ABC's of Medicare is not only a lot of information to try absorbing but there are instances and circumstances that could make a great Option for one individual NOT the best Option for another person.  Depending on each person's situation and circumstances.   Health Conditions, other coverage, travel or don't travel, PPO, HMO (POS), location... the list goes on and on.   

Feel free to Reach out.

Best Regards,
Maureen Gildea
Contact me.

Sharri Crawford · Answer

Brokers have a good knowledge of all the plans in your area and are able to recommend a plan that will fit your needs. We look up your doctors to make sure they will take the plan we are recommending.

Answered by Sharri Crawford on January 30, 2026

Broker Licensed in NM

Answered by Sharri Crawford Medicare Insurance Agent

Derek Rogers · Answer

Understanding your health insurance options is more important than ever — especially when facing life transitions like retirement, disability, or job changes. Too often, people settle for plans that don’t fully meet their needs, are too expensive, or leave coverage gaps.

With rising healthcare costs and strict enrollment deadlines, choosing the right plan can save you thousands of dollars and reduce long-term stress. That’s why working with a local, knowledgeable agent can make all the difference.

As an agent, my goal is to eliminate confusion and empower you with education and clarity.

Elliott Klepner · Answer

A highly recommended method of getting help is to call your Medicare Insurance Agent.
Medicare Insurance Agents, like myself, go through rigorous training and certification
examinations every year. The Training and Certification examinations for Medicare Advantage
Plans consist of an annual 40-hour intensive study program with a certification examination
that must be passed by a score of 90% or better. The training is administered by Americas
Health Insurance Plans (AHIP), an insurance industry regulating authority. Additionally, each
Medicare Advantage Insurer has its separate training and certification requirements. These
Certifications are mandated by the Department of Health and Human Services, Centers for
Medicare and Medicaid Services (CMS). This demanding training and certification is to
ensure that your Medicare Insurance Agent can provide you with the assistance you need.
Medicare Insurance Agents are compensated by the various Insurance companies they
represent. It is illegal for a Medicare Agent to charge a fee.

Enoch Vega · Answer

Medicare can be confusing, and choosing the wrong plan can affect your doctors, medications, and out-of-pocket costs. A Medicare agent is there to help you understand your options and protect your interests, not to pressure you.

A good Medicare agent:

Explains Medicare in plain language, so you’re never left guessing

Reviews your doctors and prescriptions to make sure your plan truly fits your medical needs

Checks for changes every year, because Medicare plans can change benefits, costs, and provider networks

Helps you avoid costly mistakes, such as penalties, uncovered medications, or losing access to doctors you trust

Stays available after enrollment, so you have someone to call when questions or problems come up

Most importantly, working with a Medicare agent costs you nothing extra. The plans cost the same whether you enroll on your own or with help—but with an agent, you gain experience, guidance, and ongoing support.

For many seniors, having a trusted Medicare agent means peace of mind—knowing someone is watching out for their healthcare needs year after year.

Michael McGarrigle · Answer

Most people I talk to don’t realize how many decisions are involved with Medicare until they’re right in the middle of it. It can feel overwhelming pretty quickly.

That’s where working with a Medicare agent really helps.

Over the years, I’ve found that no two clients are the same. Some want the most predictable coverage possible. Others are more focused on keeping premiums down. Some travel, some don’t. Some take very few prescriptions, others have several. There’s no “best plan”—only the plan that fits your situation.

One of the biggest advantages of working with an independent agent is having options. We’re able to look at multiple companies and compare what’s available, instead of being limited to just one. That alone can make a big difference in both cost and coverage.

Another thing people don’t always see right away is how important timing is. There are certain windows where switching plans is easier, and other times where health questions come into play. Making the wrong move—or waiting too long—can limit your options later on.

And just as important, this isn’t a one-time decision. Plans change. Rates go up. Drug coverage changes. Doctors come in and out of networks. It helps to have someone you can call when those things happen, instead of trying to figure it out on your own each time.

In most cases, there’s no additional cost to work with an agent. The goal is simply to help you understand your options and make a decision you feel good about—not just today, but down the road as well.

At the end of the day, it’s about having someone you trust to walk you through it and be there when you need help.

Michelle de Guzman · Answer

Medicare is unlike any insurance you have ever had. Some terms overlap, but for the most part, it is a whole new language.  Having a GOOD Medicare agent means having someone who can help you find a plan that fits your goals and budget. It means having a partner you can call to ask questions all year long about your plan.

Donna Lueders · Answer

Working with a Medicare Agent ensures you receive the most comprehensive evaluation of your health insurance needs for your budget.  There is no cost to you for an agent's services and they can help you navigate the policy should you have questions after enrollment.  I highly recommend working with an agent if at all possible as no two situations are the same.

Melanie Baxter Black · Answer

Having a Medicare Agent adds another level of protection for you, the Medicare client.  Your Medicare Agent should provide you education, guidance and be your Senior advocate for you during your Medicare journey.

Diane Andree · Answer

Many people work with an independent broker because they can save you research time by being able to compare several plans side by side.  They consider your personal needs, clearly present your options and help you enroll in the plan of your choice. At ABC Medicare Plans Broker we explain all the different parts of Medicare A, B, C and D. We compare a Medicare Advantage Plan to a Medicare Supplement (Medigap) with a drug card. We explain the difference in premium cost and the out-of-pocket potential expenses, the difference in extra benefits and the difference in doctor choice.

Justin Lucas · Answer

The reason you should work with a Medicare Agent is because when you have a problem you have someone to call, your agent. Your agent should be able answer your questions or find out the answer if they do not know it. With working with an Agent you also get the knowledge that they have about all the different plans, either MEDICARE SUPPLEMENTS or MEDICARE ADVANTAGE. Who wants to know all of that or wants to learn something new at the age of 65? Let a Agent/Broker help you.

Jorge Magana · Answer

A Medicare agent will help you compare the different plans available for you. This will help you customize a plan to your needs and budget. Also an agent will explain to you how medicare works and this help you avoid mistakes that will cost you time and money in the long run.

Andrew Sandlin · Answer

The main reason to work with an agent is because the Medicare landscape is complex, confusing and constantly evolving. Not to mention, each individual has unique needs, so finding a plan isn't a one size fits all solution since there can be anywhere from 50 to 100 options. Having someone who can break things down into simpler terms and help to put you in the best place possible year over year has huge value. An agent can be your first line of customer service (after all... no one likes calling an insurance companies 800 number) and remain attentive as your needs change. Additionally, working with someone local is also a huge plus as the plan nuances and local knowledge pays off. The best part of it all... our services are at no cost to you!

Wendy Lollar · Answer

A Medicare agent looks at your specific situation, including:
	•	Doctors and hospitals you use
	•	Prescription medications
	•	Budget and fixed income concerns
	•	Travel habits
	•	Eligibility for Extra Help, Medicaid, or other assistance

Instead of guessing online, you get guidance tailored to you.

Marc Butler · Answer

• Plan comparison. Agents compare Medicare Advantage, Supplement, and Part D plans side by side so you see premiums, copays, networks, and drug costs clearly.

• Cost protection. They check your prescriptions and doctors to avoid expensive mistakes.

• Ongoing support. Plans change every year. You get help at enrollment and year-round service.

It costs you nothing. The insurance company pays the agent, not you.

Charles Calvin · Answer

First, it should be noted that there are big differences between an agent and a broker.  While all of us on here are licensed insurance agents, some of us are brokers.  The main difference is that agents are generally captive to one company, and thus can only offer that one company’s products.  Brokers, on the other hand, contract with multiple companies to be able to offer a broader portfolio of products to our clients, which results in more precise customization.  

The reason you want to work with an agent/broker is because we see things that you don’t.  And what I mean by that is that we are trained to know the nuances of coverage and how everything interacts together.  We also know exactly what to look for when there are specific needs and concerns that have to be accounted for.  People can spend hours upon hours on the internet doing their own “research”, and they’re welcome to do so, but we can streamline that and have a proper solution in a small fraction of the time.  Additionally, when you have questions or concerns, you have a consistent point of contact instead of a random customer service person that may or may not know how to help you.

Joel McKinney · Answer

Broker, agent, specialist, advisor, etc. all mean basically the same thing. The important distinction is to make sure that your Medicare advisor is familiar with your area. Plans are split up by zip code and networks are extremely important within these different areas. Brokers also tend to have multiple carriers to be able to compare a large number of plans against one another to find the best plan that works for you.

Nathan Wright · Answer

A local agent beats an 800 number every time — you get a real person who knows your market and actually cares about your situation. We break Medicare down into simple, easy-to-understand pieces, and our services cost you absolutely nothing.

Hope Suhr · Answer

This is a great question. As you establish a relationship with your insurance agent, you’ll begin to see why that relationship matters, starting with this: we pick up our phones.
You’ll always know we’ve got your back. We don’t get paid by you—we’re paid by the insurance company. If you call the insurance company directly, you’ll rarely get the same person twice. They all have different training, and unfortunately, they don’t always give you the right answer.
I’ve had to call multiple times myself, sometimes waiting an hour or two, just to get a correct answer. That was back in my early days, and I don’t want you to waste your time like that.
If I don’t answer right away, it’s because I’m either with another client or taking some much-needed personal time. I work hard—Monday through Saturday, and sometimes even on Sundays. While I prefer to reserve Sundays for family, I understand that when a call comes in on a Sunday, it’s usually urgent.
Rest assured, I stay trained and informed. I invest approximately 80 hours a year in certifications and training to keep up with industry changes, so I can serve you better.

Yasmine Lopez · Answer

Working with an independent Medicare agent like me means you’re not navigating this alone — and you’re not limited to one insurance company’s options.

A great agent will:

Offer a broad range of plans from multiple top-rated carriers — not just push one product

Complete a personalized needs assessment to match you with coverage that fits your health needs, travel habits, doctors, and budget

Research provider networks and hospital access to make sure you can get to top specialists and facilities before a crisis happens

Track changes in Medicare regulations so you stay protected year after year — and don’t miss out on plan improvements or fall into hidden traps

Support appeals, claims issues, and billing errors — because your coverage should work for you, not create more stress

Ask the right questions to uncover benefits you may be eligible for but didn’t know existed (like financial help or extra perks)

Help avoid costly enrollment mistakes — like lifetime penalties or being stuck in the wrong type of plan when your health changes

Agents complete training on an annual basis that enables us to be content experts on all things Medicare.

In short, I serve as your Medicare guide — before, during, and after enrollment. Not just a one-time sign-up, but an ongoing resource to protect your health and your wallet.

Gregory Firmbach · Answer

Thank you for your question… This question is asked by many folks…. 

1. All Medicare health insurance plans (Part C aka Medicare Advantage)and Medicare Supplement Plans (that work only with Original medicare Parts A&B) have rates either filed with the state or approved by CMS (Medicare). So by utilizing a professional, licensed insurance broker you gain the knowledge he or she possesses about medicare and the cost will be no more than if you called some ubiquitous person on an 800 number or enrolled yourself on-line. You benefit by having a professional relationship, now and in the future.  

2. Any Licensed Health Insurance Agent is able to sell you a MediGap or Medicare Supplement plan for original medicare beneficiaries.

3. Only Appointed and Certified Licensed Agents/Brokers may discuss and offer to you one of the many Medicare Part C Plans or Advantage Plans. As example, there are “82” different plans (HMO, PPO, PFFS) just in Manatee County , FL. They are offered by 13 different companies with names like Humana, United Healthcare AARP, Cigna, Aetna, Freedom, etc.. How is the average person supposed to now where to start figuring out which plan is best for them or spouse? By utilizing an independent Broker who is “Certified” with multiple company’s plans, you will get a professional analysis and exposure to many plans you may not have known existed and how to qualify for them. Names like D-SNP, C-SNP, I-SNP are available in most counties. 
A D-SNP is for folks that have both Medicare and Medicaid and coordinates the benefits. 
A C-SNP is for people with specific diseases like heart, lung and diabetes, etc. 
The I-SNP for institutionalized beneficiaries

4. The choice should be an “Independent Insurance Broker” who will represent you to the insurance company. A “captive” or “Employed” Agent may only offer you “The Company Plans”. The independent Broker is special trained to find your needs and prescribe the best plan “This year and next.

Amber Sigg · Answer

Really there are many reasons, but three of the big ones are you end up with one point of contact that has the knowledge and expertise to assist you, in addition you have year-round support when you need it and you don't need to navigate the system alone; as well you are working with independent agents who offer unbiased support by showing you multiple carriers helping you find what best fits your needs all at no extra cost to you.

Kevin Dover · Answer

Medicare is confusing.  It has dozens of moving parts, deadlines, rules, penalties and plan differences.  A good agent breaks everything down in plain English so you feel confident, not overwhelmed.  And most importantly is doesn't cost you anything.  Plan costs are the same whether you use an independent agent or call directly to your chosen Insurance Company.

Evan Hountz · Answer

A good agent doesn’t disappear after you sign up with them. They help with:

Annual plan reviews (plans may change every year)

Billing or claim issues

Drug changes and cost increases

Switching plans when your needs change

Nadia Ponce Simbron · Answer

Working with a Medicare Agent is beneficial; they act as a free personal guide to help you find a plan that fits your budget and health needs!
They also handle the confusing paperwork and deadlines for you, ensuring you avoid penalties that could last a lifetime.

Jaime Valadez · Answer

-simply medicare and comparing different companies
-my service does not end at enrollment, I am available through the year to make sure your needs are met. 
- avoid missing deadlines and keep you updated on coverage changes

Timothy Baggett · Answer

Medicare can be complex. An agent can help you understand your options and enroll in a plan that fits your needs. It is important to go over things like doctors, prescriptions, and your budget to customize a program that meets your individual needs. It is definitely not a one size fits all program and a good agent will guide you through the process

Oscar Chavez · Answer

You should work with an agent because they can advise you and help you with any questions you have about Medicare. Also, it does not cost you anything to have someone on your side. 
Yo te recomiendo tener un agente de seguro a tu lado ya que es la persona que te puede guiar en el mundo complicado de Medicare y no te cuesta nada .

Doug Carlson · Answer

Working with a Medicare agent can be especially helpful given how many plan choices and rules change each year (particularly during the Annual Enrollment Period).

Matt &quot;Ernie&quot; Ernstes · Answer

Q: What's better for me a Medicare Advantage plan or supplement?  

A: It depends what you value more in your life.  Each one is built differently for individuals.

Q: How much life insurance do I need?

A: It depends on what your goals are for you and your family?

Q: I'm not old enough for medicare and I can't afford insurance, what are my options?

A:  I work with companies that offer Fixed Indemnity benefits, that can help.

Wade Lashley · Answer

The Medicare program can be complicated and confusing. A local Agent can be of great assistance to you in determining what option might be the best fit for your unique needs and monthly budget. 

Your local Agent can become your first point of contact for questions regarding plan benefits, claims, Rx costs etc.  Better to have a local contact than wait on hold to speak with someone in a call center.

A local Medicare Agent can also assist with annual coverage reviews during the Medicare Annual enrollment period to be certain you're on the right track with coverage for the coming year.

Mike Cooper · Answer

It is literally a full-time job to keep up with all the various changes happening within Medicare.  Then you have the carrier side, and understanding their strengths and weaknesses.  That's just the tip of the iceberg for the insurance side.

Now, let's shift to your side of things.  You have your own unique needs and wants.  Whether it's finding the best care available or the least expensive option, your needs and budget are important to you.  

Finally... the agent side of things.  Ever experienced a pushy salesperson?  It's one thing to wrestle a salesman when you know the playing field... but when you don't?!?  Take your time.  Find an agent that puts your interests ABOVE their own.  It doesn't cost you a thing to have an expert on your side!

Jennifer Melancon · Answer

Cost is usually the main concern for those entering into Medicare. As your agent I can save you time and money, provide expert guidance in explaining how they system works, and offer personalized service to help you find the best plan for your specific needs. I handle both supplemental plans as well as advantage plans from different carriers and therefore am able to give you a full comparison. I provide support before, during, and after enrollment. If you sign up through me I will be your agent for life.

Patrick Metcalf · Answer

For beginners, there is an overwhelming amount of information and practices that go into finding out which medicare plan is suited best for an individual. And that information is necessary to possess in order to figure out what plan should someone be enrolled, in order to give them the most coverage while saving the most amount of money. Many people believe just because a plan is popular or has a high star rating, that it should naturally work out for themselves as well. That perception is wrong. One of the many reasons you should work with a medicare agent is because they are a few of the people that are granted access to all of the information that is available. Whether that may be plan benefits or simply the knowledge to make sure a plan is affordable for an individual. With the ability to present/understand multiple plans and decipher which one should work best, medicare agents are able to find individuals a medicare plan that is "tailored" to fit their needs. Once doing so, medicare agents are also able to manage that individuals plan from year to year due to the amount of changes that happen in the industry. By working with a medicare agent, not only can you count on being enrolled into the proper plan to fit your situation/lifestyle, but also count on the agent reviewing and managing your membership, so that you can be sure each year the headache of finding a new plan will be eliminated.

Paul Barrett · Answer

If you're new to Medicare or currently enrolled, working with an independent Medicare agent is one of the smartest decisions you can make. Medicare is unlike most insurance you've had before — and without the right guidance, it's easy to end up with coverage gaps, lifetime penalties, or a plan that just doesn't fit your life.
As an independent agent, I walk my clients through the enrollment process step by step, help them compare every option without any pressure, and stay by their side long after they've enrolled. I'm not tied to any single insurance company — which means my only priority is finding what's right for you.
And here's something most people don't realize: working with me costs you absolutely nothing. My compensation comes from the insurance carriers — so all of that guidance, plan comparison, and ongoing support is completely free to you.
You don't have to figure this out alone. That's exactly why I'm here.

Alison Hummel · Answer

A Medicare agent is licensed and appointed with a variety of carriers, not just one company so you can have peace of mind that they will share a plan that works for you.

Steve Garrard · Answer

Using a licensed Medicare agent at no cost is incredibly advantageous. If you needed your kitchen redesigned, or your taxes done, or your car repaired, and a subject matter expert was willing to help you through that process at no cost - that's something most people wouldn't think twice about. Sure, you can study and research and read all the fine print and muddle through it yourself, but it depends on how much you value your time and brain power. Using a reputable, experienced, licensed Medicare agent to guide you through the jungle of Medicare nuances and annual changes to ensure you get maximum coverage at the lowest cost and highest value for your unique situation is priceless. (Literally)

Grant Evans · Answer

By working with a medicare agent, you are able to get an unbiased opinion in what plan fits your needs the best. We work for you, not the company!

Karen Moore · Answer

Working with a Licensed Agent that is knowledgeable can help you navigate and understand all the many parts of Medicare and help you through the enrollment process.  There is NO cost, always, for a Medicare Agents help and they can continue to help you even after you have enrolled into a plan.

Ronald Plocinski · Answer

There are many reasons which you should work with a Medicare agent, not list of which is that working with an agent is FREE. An agent often acts as an unbiased source to give you truly unbiased answers so that you can make the best decisions for yourself. An agent is oftentimes "independent," meaning he/she does not work for any particular Medicare insurer and, therefore, can do the shopping around for you.

Rob Taylor · Answer

Working with a licensed Medicare agent can save you a significant amount of time, money, and frustration. Medicare is complex, and the choices you make during your initial enrollment or during the Annual Enrollment Period (AEP) can have long-lasting effects on your healthcare and your wallet.

Working with a licensed Medicare agent provides you with professional, expert guidance at absolutely no cost to you. Because agents are compensated by the insurance companies, you receive personalized plan comparisons and enrollment assistance without any added fees or higher premiums. Furthermore, as an independent broker, I am not tied to a single carrier. While a specific insurance company can only offer its own products, I can shop the market on your behalf. This independence allows me to compare multiple top-rated plans to ensure we find the one that best aligns with your specific doctors, your current medications, and your personal budget.

LaTosha Turknett · Answer

Medicare agents have intimate plan knowledge that will not be available in a benefits summary, like the ease of doing business with one carrier over another or the likelihood of a non-formulary medication being covered after an exceptions request, if needed. Medicare agents also help save you time and money, by using sophistocated systems to narrow the plans based on your specific needs, balancing plan benefits and costs, as opposed to you sifting through the many plans available in your market. Most importantly, once you share your personal information with a broker, you can build a long-term relationship with one agent you trust.

Corey Schuler · Answer

Working with a licensed Medicare agent saves you both time and money.  We can quickly narrow down the best plans for your needs, without spending hours researching or calling multiple insurance companies.  Additionally, we can help you avoid costly mistakes by avoiding the temptation to "DIY" your Medicare.  Our help is completely free, and we are here year-round to support you.

Brianna Henward · Answer

Medicare and Medicare Plans are very different from state to state and from year to year. Maine and New Hampshire, for example, and VERY different. Working with an expert, like myself, that truly specializes in these local plans and laws can save you countless hours of research and thousands of dollars in mistakes. Even if you do all the research yourself in year 1, do you really want to do that every year of your retirement?

 Instead, get an expert advisor in your corner that costs you nothing but knows your exact situation, goals and wants in coverage. My team & I can look out for you and be there for you all year long when there's questions on benefits, billing or law changes.

Kent Hoyle · Answer

The Medicare insurance world is very different than any previous health insurance one would have previous experienced.  
It is a niche market in which you would only want to have a trusted and experienced professional broker to assist you.  This market has many Federal Guidelines as well as State Statutes that must be strictly adhered to in order to achieve success.

DeVin LeMay · Answer

Instead of waiting on hold with 1-800-MEDICARE, you get a personal contact who knows your situation and can help immediately.

Jackson Stodgel · Answer

To provide licensed expertise you may not have before making an informed decision that can impact your healthcare coverage and your wallet. This gives you peace of mind knowing you are making the best choice for your needs.

Angela Schubkegel · Answer

Medicare agents, especially brokers, have access to multiple plans and may have a comparison guide or evidence of coverage they can share with you. It's streamlines the process and helps educate clients on their options. Everyone's situation is unique and what may be good for your neighbor may not be good for you.

Denise Johnson · Answer

Navigating your Medicare options can be confusing. One of the best reasons to work with a Medicare agent is that you will have help in comparing all of your options-no cost, no obligation-so you can truly pick a plan that fits your individual needs.

Kent Arrington, FICF, CSSCS · Answer

A medicare agent is generally very well versed in the plans that they offer to their clients. They will also be familiar with how the different plans work within their service area. Being able to meet face-to-face with that agent will let you get to know and build trust with them.

Rebecca Davis · Answer

A good trusted Medicare agent can save clients from major headaches like penalties, network issues, billing issues, claims issues and more. A good agent also knows all the eligibility requirements and they may know that you can qualify for something that maybe you didn’t know you could qualify for. Your agent should be a trusted advisor and a key part of your retirement planning. Good agents are worth their weight in gold!

Cris Zimmerman · Answer

An independent agent works on behalf of the consumer to make sure they find and understand supplemental plans that fits their needs.  Independent agents also provide ongoing support to its consumers if there are any issues that should arise with their plans throughout the year.

Kimi Oliveira · Answer

Year round support
No 800 numbers waiting on the phone and wasting your time
Partner and coach year round
Access to industry updates
Educational events

Glorines Pardo-Garcia · Answer

Working with a licensed Medicare agent can provide significant advantages, especially given the complexity of the program. Because they are paid by insurance companies, their professional guidance typically comes at no cost to you.

Key reasons to work with an agent include:

1. Personalized Expertise and Education
Navigating Complexity: Agents act as "translators," explaining the differences between Part A, B, C, and D, as well as Medigap versus Medicare Advantage.

Tailored Recommendations: They analyze your specific medications, preferred doctors, and lifestyle to find plans that fit your unique situation.

Preventing Costly Mistakes: Agents help you avoid lifelong late-enrollment penalties and ensure you don't miss critical enrollment windows.

2. Time and Money Savings
Comparison Shopping: Agents have access to quoting tools that compare dozens of plans from multiple carriers side-by-side in minutes.

Rate Monitoring: Many agents act as "rate watchdogs," notifying you if your premium is set to increase and helping you shop for a more competitive rate during Open Enrollment.

Standardized Plan Selection: For Medigap plans, where benefits are standardized across companies, an agent can quickly find the carrier offering the lowest premium for the exact same coverage.

3. Ongoing Advocacy and Support
Long-Term Relationship: Unlike calling a 1-800 number at a large carrier, an agent provides a dedicated point of contact year-round.

Claims and Benefit Help: If you have trouble with a denied claim or need help understanding a bill, your agent can act as an intermediary between you and the insurance company.

Annual Reviews: Your health needs change over time. Agents offer annual check-ins to ensure your current plan still provides the best value as your prescriptions or health status evolve.

4. Unbiased Advice (Independent Brokers)
Independent brokers represent many different insurance companies rather than just one. This allows them to provide an objective overview

Sabri Amara · Answer

Simply put It costs you nothing to work with an insurance agent/broker. I recommend everyone work with a broker vs work with an agent. A broker works with multiple companies and will find the best fit for the client needs. An Agent works for A insurance company and only offers 1 carrier. I like to say as a broker I work FOR my clients not FOR an insurance company. 
1. It costs you nothing to work with an agent/broker
2. No one size fits all
3. Compare multiple carriers at once
4. Find the RIGHT fit vs find A fit
5. Different cost and coverage in different plans
6. Rx can vary drastically if you enroll in the wrong plan
7. Clearly explain why a plan was recommended over others
8. Save you time
9. A good agent/broker doesn't only enroll you but also services you after enrollment 
10. Experience

Isom Julian · Answer

Working with a Medicare agent allows you to build a lifelong relationship with an agent who will advocate for you and help you find the best plan for you. Having an agent who is there to answer the confusing questions you may have year-round can be very beneficial when issues arise.

Traci Harward · Answer

The main reason to work with a Medicare agent is that we can insure that all benefits and networks and confirmed.  We can verify that all doctors and are in networks and all prescriptions are covered.  Medicare can be a complicated and confusing equations to solve and using an agent insures that you are getting the correct answers and make it much simpler and easier for you

Brendan Scarffe · Answer

I actually recommend working with a Medicare BROKER. Agents are only licensed with one carrier. Brokers are licensed with multiple carriers. While agents have carrier expertise, brokers can help you navigate more carriers and plan options that fit your budget and health needs.

Brent Minter · Answer

Working with a local independent insurance agent provides many benefits to you.  Local agents are generally more knowledgeable about the plans available in your area.  Plans change each year, new plans are introduced, old plans may be discontinued and there may be major network changes for certain plans.  A local Medicare agent will likely be better informed about the plans in your area and be better positioned to help you navigate these changes.

Another thing to consider is the local independent agent works for you not the insurance companies they represent.  Therefore, it is in the agent's best interest to make sure they are advising you based on what is best for you and your needs.  The local independent agent wants you to be a long-term client and that requires trust by doing what is right for you.

Albert Ojeda · Answer

Working with a Medicare agent can help simplify a complex and often confusing process. A licensed Medicare agent can explain your coverage options, compare plans from multiple insurers, help you avoid costly mistakes, and ensure you choose a plan that fits your healthcare needs and budget.

Krissy Tenhagen · Answer

Consider a Medicare agent as your health insurance advocate and personal guide in assisting you in finding the right coverage for your health needs. Your agent/broker works for you not a specific carrier, which means they work for you. We participate in numerous required trainings every year, and many like me go the extra mile in paying for additional trainings so that we can help our clients navigate all the complexities of Medicare every year. 
We're your neighbor and your friend, here to take care of you because we care, with the goal of ensuring you're always in the right Medicare coverage.

Dave Boehm · Answer

You should work with an agent Because Medicare is confusing and with an agent, we will not only help simplify Medicare, but we become your advocate/consultant to make sure that you’re getting the best for you! 

We know that taking care of you is important and if we continually take care of you that you will refer people to us!  We are not an insurance company with an agenda.  We should be thought of as a trusted advisor with an agenda to help you make the best decision possible.

Christopher Dewey · Answer

Here are the key reasons you should work with an independent medicare agent licensed with dozens of carriers: the first is you have an advocate who can help with claims, denials and prior authorizations, and secondly, a true independent broker can change to your from a plan that had a steep rate increase to one with a much lower rate which can save you thousands over a few year period. A medicare only agent knows how penalties can hurt clients if they make the mistake of delaying Part B or D enrollment. They can navigagte the medicare maze so you are not stressed out and give you all options not just the ones that benefit the insurance company.

John Henley · Answer

Simply put, working with an agent or broker has zero additional cost, however, it allows you to have them search the market each year to make sure you have the complete package you need. 

Help explain the different Plans
Save you time
Give you options

Steve Thurmond · Answer

If you're working with an independent Medicare agent/broker/agency, you'll get an unbiased opinion and be able to look at ALL, or most, product options available to you in multiple markets. 

Conversely, if you work directly with a specific carrier agent (often referred to as a "captured agent"), you'll only be pitched - and be able to choose from - that specific insurance carrier's portfolio of products. They're not going to tell you about better priced options from competing carriers.

You want to work with an independent agent/broker so you can get a bigger picture look at all of the options available to you. It doesn't cost you anything extra to work with an independent agent/broker/agency (you'll get the same products at the same price as if you worked directly with the carrier itself) and you'll often get better service and have a single-point-of-contact when questions or scenarios arise that you may need help navigating. 

Independent agents/brokers get paid an ongoing/residual commission by the insurance carriers, so it's very much in the agent/broker's best interest to make sure you're getting your questions answered and your products 'serviced' in a timely manner. 

In short... there are no downsides to working with an independent agent/broker/agency... only upsides.

Austin Boyd · Answer

1. They know the business and can give you insight as to what companies / plans will be the best fit. 
2. It won’t cost you any extra out of pocket to have an agent since Medicare agents aren’t allowed to charge fees. 
3. When you run into issues with your plan, they can assist. 
4. As rates and plans change from year to year, they can shop the newest options to make sure you’re not overpaying.

Timothy Riordan · Answer

The primary reason to work with a Medicare agent or broker is that the plans are now changing every year.  Where as before, people tended to reamain in the same coverage for multiple years without having to change.  That is NO longer feasible for most consumers so the experience of a Medicare broker is more important than ever before.

Lynn Floyd · Answer

I believe there are important facts that I find many people do not understand when they are initially getting into Medicare that an agent can educate on. I don't know that you will have that information by navigating it on your own.

Logan Mocherman · Answer

You should work with a medicare agent because they will be able to compare your available options and explain it in a way that actually makes sense to you and apply to your situation.  They can explain the difference between a supplement and an advantage plan.  An agent will have access to all carriers and therefore will not have any personal bias toward one carrier or another ensuring you get the plan that fits best for YOU.  A local agent that can meet with you face to face is best, so the agent can actually get to know you and your situation and you'll be able to contact them when you have a question about your coverage.  A good agent will then review plan changes with you every year as well.

William Lux · Answer

Medicare agents help beneficiaries navigate the confusing abundance of information about parts, plans, and choices to be made in receiving their benefits. This is at no charge to the beneficiary.

Gabriel Reinhardt · Answer

Great question!. A Medicare agent (or broker) is a licensed professional who has experience looking at plan details and helping people see the differences between options that may not be so obvious. Agent support can be invaluable, especially for those who have questions about their situation that isn’t spelled out on plan material. Also, Medicare has specific regulations that can be easily overlooked or misunderstood, such as lifetime penalties and Guaranteed Issue Rights. Reviewing your unique circumstances with a trusted broker can greatly help avoid some of the most common pitfalls of Medicare. 
Lastly, using a local broker has added benefits of high expertise in the plans available in your area. While a licensed agent servicing plans nation-wide may have access to all the information, someone who services a local community will have in-depth knowledge of local networks and comparison to other plans on the area.

Joshua Wood · Answer

There are so many but I'll give you what I believe to be the top 3 assuming your'e working with a tenured and well connected agent. 
First. There are so many rules, regulations, and nuances with medicare that unless you're living it every single day like a full time agent it would be impossible for you to know how to navigate thru it all. This could lead to making a wrong decision costing you 10s of thousands over a lifetime. 
Second. Well connected Agent/brokers have relationships within the community with Dentist, Medical providers, medical equipment providers, etc. which make your life with your healthcare 1000 percent easier. Ive personally been able to help my client skip the line and go right to the front to get help with the dental, medical, hearing, and more they need because of the relationships I've built within the community. 
Third. It's always no cost! Always! Great Agent/Brokers aren't just transactional in how they help their clients there is a service part of what we do also. This helps you to contact 1 knowledgeable person who you have a history with every time you need help instead of those pesky 1-800 numbers that are offshore and can be difficult to understand or get a straight answer.

Savannah Rose · Answer

It doesn't cost you anything to work with a Medicare agent and they can be your trusted advisor if you have any questions about coverage, bills, etc. It's helpful to have a local advisor without having to call an 800# and waiting on hold. A Medicare agent does all the hard work for you.

Harold (Rob) Thousand III · Answer

An agent has direct contacts with the carriers that you are insured with. In an age where office staff at medical providers are already stressed, if there is ever an issue with your insurance, it helps to have an added line of defense in your corner, helping to facilitate your care. Your agent should be your advocate!

Jay Ferguson · Answer

Medicare agents are trusted advisors that help clients navigate the multiple parts of Medicare.
it is not just about convenience; it's about making smarter, more protected decisions.

 1. You get personal guidance through a complicated system.
 2. You can save money and not just on premiums.
 3. Someone to make sure doctors and prescriptions are covered.
 4. Helps with Enrollments and deadlines every year with ongoing support. 
 5. Helps with claims, billing and issues
 6. No cost to clients. Agents are compensated thru the different insurance companies.

Monica Butler · Answer

Medicare agents can provide meaningful information helping you to navigate Medicare and not just taking in false information from people that are not licensed.

Teresa Schissler-Boichot · Answer

The main reasons are the agent's knowledge and personalized service. It is an agent's, business to be knowledgeable of the plans and any changes insurance carriers make throughout the year. When it comes time for annual or open enrollment, choosing a broker agent that is contracted with multiple insurance companies is a great option because a broker agent can take into account your doctors, prescriptions, and personal needs and shop all the carriers instead of just one to find you the very best benefits at a price that fits your budget. The best agents are the ones that are there for you after the enrollment. The healthcare industry is extraordinarily complicated. Frankly, why wouldn't you want an agent working for you and your best interests? Working with an agent gives you back up whenever you have a surprise bill, have problems with federal or state-funded coverage, or your circumstances change. Your agent can facilitate any calls to insurance carriers or government agencies and oftentimes has contacts to get the information and services you need.

Raymond Arce · Answer

Medicare plans can be confusing. Working with a Medicare Agent gives you the ability to find the right plan for your healthcare needs, an agent can give you a thorough analysis of your prior year(s). They can give you a great match for your upcoming year with an easy to understand breakdown of each plan.

Steve Wilson · Answer

A Medicare broker brings knowledge and experience to work with a prospective client.  When I meet a client, the first things I let them know are (1) that there is no cost to work with me, and that (2) I work with all of the carriers in the market and my job is to help them identify a plan or an option that will serve their needs.

I bring nearly 30 years of experience to the table when I am getting to know someone and am extremely familiar with the transition from employer group plans to Medicare.  The transition can feel overwhelming and my goal is to always help the consumer feel at ease to make the transition smooth - AND dare I say enjoyable.

Lastly, my hope is to build a lifetime relationship with everyone I work with.  I treat each of my clients like they are a my parents, or a close relative and want to build and earn their trust.

Dain Martindale · Answer

Why work with a Medicare Agent or Broker? 

Simple. We take the confusion and those late nights of researching and condense it into a concise 30 minute appointment for you. 

Not only do I represent all the companies you need, I’ll also be there to provide ongoing support and service year after year.

Denise Cagle · Answer

I always recommend seniors find an agent that will meet with them in person, and sees them as a real person sitting across a table, and not just a commission.  It's important to find an agent who will answer your questions and your phone calls.  Agents can help their clients by escalating problems that customer service calls couldn't resolve.

Nick Harris · Answer

A Medicare agent works for you to give you guidance and confidence that you are on the most cost effective plan for you and your family. It’s someone who will help you navigate the confusing world of Medicare each year as laws and regulations change.

Randy Spencer · Answer

Medicare is complicated, and with recent changes from Medicare and Insurance carriers, it has become even more complex and should not be navigated without consulting a Medicare Agent. Working with a Medicare agent will get you expert advice from a seasoned professional at no cost to the consumer.

Gavin Foley · Answer

Working with a broker licensed to help individuals with their Medicare decisions will have network, procedure, and pharmaceutical knowledge that cannot be matched. In addition, the broker will have accountability to make sure the client is satisfied with the plan. 

Brokers are there during the entirety of serving the client, and assist in case there are any billing or care issues, along with a variety of benefit knowledge and make sure the client utilizes as much of the plan as possible. A broker’s job does not end with enrollment.

Janice Grice · Answer

Working with a local agent gives you a dedicated advocate who knows you by name and can save you from spending hours on hold with insurance companies.  Agents can provide personalized, caring support to ensure your questions are answered and your coverage stays on track.

Sonya Tomovich · Answer

They can give you the most up-to-date information as well as look at the different plans in your area and do a cost comparison benefit comparison

Chris Oates · Answer

Working with a Medicare agent gives you a local advocate who can help simplify the Medicare process and guide you through your options with personalized support. Instead of navigating confusing plan details on your own, you have someone with experience who can explain things clearly, answer questions year-round, and help make sure your coverage continues to fit your needs as they change.

Kelly Wheeler · Answer

Working with a Medicare agent provides invaluable expertise, personalized service, and ongoing support in a highly complex field. Their certification serves as evidence of their commitment to professionalism and mastery, while their local market knowledge ensures you have access to the best possible coverage options. With their help, you can navigate the Medicare maze confidently, knowing you are making choices that safeguard your health and financial future.

Amy Kilber · Answer

A Medicare agent will offer you personalized plan guidance. They will take the time to understand your needs and concerns. They will review your doctors, prescriptions and budget to narrow down plans that will actually fit your health and financial needs.

Medicare parts and plan options can be confusing, and everyone has an opinion on them. Just because a plan works well for your neighbor, friend or family member doesn't mean the same plan will work well for you.

Having support after enrollment is important, local Medicare agents are here to help you with questions after you enroll in a plan. 

Medicare agents are up to date on the changes in the Medicare rules and plans each year.
There is no cost to you for the added benefits and service of having an agent help you.

Jeff Tomberlin · Answer

Not just any Medicare agent, you want to find a local, reputable agent.  If you enroll online, eventually you're going to need customer assistance. It's going to much easier to find the assistance you need if you have a local contact versus a 1-800 corporate number, especially when you start building a relationship with the agent/customer.

Andrew Morrow · Answer

Becausee life is not static.  ESpecially in the insurance industry.  Working with an independant agent affords you the protection a of current and unbiased advisor.  A well informed agent can provide the latest in industry devopements, which can be most important.  The right agent is more mortivated by providing the right service with the goal of a long term relationship rather than the short term minor benefit of a commisson.

David Peters · Answer

Very Important: Local agent first. The reason that I say this is because if you have questions you can drop by the local agents office and discuss the issue. We know the networks for your area and have all or most the plan options versus a captive agent that only sales one brand and never a charge for our services.

Giselle Donval · Answer

Real connection and communication with a live person. Someone who won’t disappear after you’re enrolled. You will have someone who cares who reviews your coverage every year to ensure you’re still in the best plan. There are many wonderful reasons to have a Medicare agent. But the most important reason is having that real human interaction and relationship, that you just can’t get with the call centers.

Tammy Anderson · Answer

Working with an Agent, like myself, makes enrolling in Medicare a less stressful process.  Even if it looks simple, we are able to help you address questions that you may not even know you have to ensure you are choosing the right Medicare option for you and your situation.

Zach Roberts · Answer

1️⃣ Medicare Is Complicated — Agents Simplify It

Medicare isn’t just “Part A and B.” There are:

Medigap vs Medicare Advantage

Part D drug plans

Enrollment windows and penalties

A Medicare agent breaks it down in plain English, so you don’t accidentally choose a plan that costs you more later.

2️⃣ You Don’t Pay More for Using an Agent

This surprises a lot of people:

Medicare agents are paid by insurance companies

Your premium is the same whether you use an agent or not

So you get expert guidance at no extra cost.

3️⃣ Access to Multiple Insurance Companies

Calling an insurance company gives you one option.

Working with an independent Medicare agent means:

Multiple carriers

Multiple plan types

Side-by-side comparisons

That means better coverage and better pricing — not just what one company sells.

4️⃣ Help Choosing the Right Plan — Not Just Any Plan

A good Medicare agent looks at:

Your doctors

Your prescriptions

Your budget

Your travel habits

So you don’t end up with a plan that looks good on paper but fails when you actually need care.

5️⃣ Ongoing Support After Enrollment

Medicare doesn’t stop after you enroll.

An agent helps with:

Annual plan reviews

Prescription changes

Billing issues

Claim problems

Switching plans when your needs change

You have a real person to call, not an 800 number.

6️⃣ Protection From Costly Mistakes

Choosing the wrong plan can lead to:

Late enrollment penalties

Higher out-of-pocket costs

Losing guaranteed Medigap rights

A Medicare agent helps you avoid mistakes that can cost you thousands over time.

7️⃣ Advocacy When Problems Come Up

If something goes wrong:

Doctor not covered

Prescription denied

Billing issue

Your agent can step in and advocate on your behalf, saving you hours of frustration.

8️⃣ Annual Reviews = Peace of Mind

Plans change every year.
Your health can change too.

A Medicare agent reviews your plan annually to make sure:

You’re still in the best option

You’re not overpaying

Yo

Michelle Mcghee · Answer

working with a Medicare agent gives you a personal 1 on 1 concierge service, we become your person when you have questions or problems. We help you find what works best for your health needs and wallet, we look up your meds and doctors to ensure they are all in the networks that are important to you-I am a tool in your toolbox and I educate first to help that decision easier for you.

Philip Biggs · Answer

Working witha Medicare agent gives you expterise in the field from a professional. You also get eductaion and information to help navigate the complexities. Even more importantly after you enroll into a plan you should get lifetime guidance and service meaning if you have a question or a problem you have someone you can call to get help. I view it as a partnership where we work together for years down the road.

Jon Rausch · Answer

Medicare evolves every year with adjustments to new rules released by CMS. Your local Medicare Agent studies these and applies them to you specific needs annually. Let's say your agent can take out the guess work and give you the facts!

Maxine Burgess, MBA · Answer

Working with a licensed agent affords you the peace of having a heath care advocate who goes beyond just enrolling you in a plan. A licensed agent will be able to help you maintain and manage your health plan, while ensuring that you enjoy the best of your Medicare journey.

Gary Bush · Answer

Agents can take a lot of the guesswork out of your Medicare decision.  They will look at your situation including your doctors, meds, budget, etc to give you your best options.  Working with an agent is at no cost to the consumer.  They also give you someone to talk to when you have questions.

Connor Bush · Answer

Mckenzie Insurance Services can compare plans side by side and help you find the plan that best fits your needs. Mckenzie Insurance services also fights for you after your policy is in place. If an insurance company decides to deny a service, Mckenzie Insurance Services can work to overturn that denial. Mckenzie Insurance Services does not charge a fee and is compensated by the carrier, all services are at no cost to you.

Sonya Sims · Answer

A Medicare agent helps match your healthcare needs, medications, and budget to the right Medicare plan suited for you. There also no extra cost-agents are compensated by the insurance companies, not by you and your premium stays the same whether you enroll with an agent or yourself. Having an agent also offers ongoing assistance helping you with plan reviews during the Annual open enrollment, claim issues or provider network changes. Agents handle paperwork, explain timelines, and help avoid common enrollment mistakes that could result in penalties or gaps in coverage.

John Dalziel · Answer

Because the Agent does it everyday and knows how to do it.............................................................................................................................................................................

Suzanne Vassallo · Answer

So many different plans and options and it can be very confusing.  Medicare Agents can help you find the best plan for you that works with your specific needs.  Specific benefits may work for one individual but not the other.

Russell Haas, RSSA · Answer

Working with a Medicare agent makes life easier. A good agent helps you understand your choices, keeps you from making costly mistakes, and makes sure your doctors and medicines are covered. You don’t pay anything extra to get this help, and you get someone you can call anytime you have questions. A Medicare agent also checks your plan every year to make sure it still fits your needs as your health and life change.

Mark Cook · Answer

It’s certainly not all but a large percentage of people that work with Medicare products do that 12 months out of the year. Personally, I highly recommend independent local Medicare brokers and the reason for that is because they’re going to be more current on federal guidelines and state guidelines and what products are available in your area. They’re also more familiar with the doctors and hospitals that are in network with particular carriers within the unique field of insurance plans related  to Medicare products such as Medicare supplements, Medicare advantage plans, and prescription drug plans

Angelina Giambri · Answer

This is a great question. There are many reasons to work with a Medicare agent, but the most important is guidance and advocacy. Medicare can be confusing, with multiple parts, plans, rules, & deadlines to it. A licensed Medicare agent helps you understand your options, compares plans based on your doctors, prescriptions, budget, and health needs, and ensures you avoid costly mistakes or penalties.
   Working with a Medicare agent also means you have ongoing support, not just at enrollment. If your needs change, premiums increase, or you receive confusing mail , your agent is there to help you navigate it all—at no additional cost to you. Simply put, a Medicare agent saves you time, reduces stress, and helps you make confident, informed decisions about your healthcare.
   Pro Tip: Working with a local, independent Medicare agent is especially valuable. An independent agent is not tied to just one insurance company, which means you receive plan recommendations that are truly in your best interest. A local agent also understands the plans, networks, and providers available in your area and is someone you can build a long-term relationship with.

Ryan Jerome · Answer

Working with a Medicare agent can make a big difference and provide assistance with:

Personalized Plan Comparison: A Medicare broker evaluates your doctors, prescriptions, and budget to match you with coverage that fits your specific needs.

Help Avoid Costly Mistakes: They guide you through enrollment rules and plan details to help prevent penalties, coverage gaps, and unexpected expenses.

Access to Multiple Carriers: An independent broker can compare plans from several insurance companies, including Medicare Advantage, Medicare Part D, and Medigap, to help you find the best option.

Ongoing Support (Not Just Enrollment): They continue helping you review coverage, update plans, and navigate changes year after year.

Simplifying a Complicated System: A broker explains Medicare’s rules and timelines in clear, simple terms so you can make confident decisions.

No Cost to You

Calvin Vo · Answer

Working with a Medicare agent provides clients with expert guidance at no extra cost.

Your cost of premiums stays the same whether a client goes direct or uses an agent while you get the service of an independent agent who compares the entire market instead of pushing one carrier.

It is the agent's job to shop for the best plans among the hundreds in your area; you simply just need to shop for an ethical and reliable agent. You do not have to spend time learning about which Medicare plan gives your specific lifestyle the best benefit.

Rob Rockey · Answer

Medicare agent saves you time by doing the plan research, matches coverage to your doctors, meds, and budget at no extra cost, helps you avoid enrollment penalties, and provides ongoing help when questions or changes come up.

Jennifer Gobble · Answer

A Licensed Medicare agent can bring peace of mind and knowledge to individuals navigating the difficult process of Medicare enrollment and plans. Agents that represent multiple plans, such as myself, can compare plans and providers to offer the very best option for you and your unique situation. Choosing the wrong plan can cost thousands of dollars annually, so why not have all of your options up front so that you can make an informed and accurate decision. Support from me is free and is ongoing, as I will walk you through the process and be available to you for future concerns and issues.

Lady-Vienna Vedal · Answer

Medicare agent is a licensed professional with knowledge and experience to educate you with the inner workings of Medicare and provide some rights and options on what Medicare covers and does not cover to help you make the best sound decision on your medical coverage and avoid possible penalty.

Donald Farrell · Answer

The short answer is, a Medicare agent acts as your advocate, helping you make confident, informed decisions about your healthcare coverage.

However, Medicare is not a one shoe fits all, and is different for each individual. Working with a Medicare agent helps take the confusion out of choosing the right coverage. Medicare has many parts and plan options, and it can be difficult to know which one truly fits your needs.

An agent can explain your choices in simple terms, compare plans based on your doctors, prescriptions, and budget, and help you avoid costly mistakes. They also stay up to date on plan changes and can review your coverage each year to make sure it continues to meet your needs.

Best of all, their help comes at no additional cost to you, making it a valuable resource as you navigate your Medicare options.

Respectfully,
Donald Farrell

Johnny Baldino · Answer

Personal attention, clarity, professional knowledge and experience are just some reasons why working with a Medicare specialist will make your experience and decisions much easier and much more decisive.  There is way too much fraud, bait and switch and confusion in the Medicare advertising that seniors see daily and an agent can help weed out all the irrelevant information that doesn’t apply to each person and narrow down the plans that are specifically relevant and appropriate for that seniors specific medical profile.  We help view networks, medications and pricing that’s specific to each beneficiary.  We can help find new doctors, hospitals and specialists when needed and ensure benefits are explained properly in easy to understand language rather than the technical gibberish sometimes listed in plan booklets.  
The bottom line is you should always choose a professional agent to help guide you because your healthcare is 1 of the most important decisions you. Will need to make as a senior!

Sharie Rutherford · Answer

Agents are able to drill down on intricacies that are often not available on websites or through 1-800 numbers. It's those fine details - provider nuances, formulary exceptions, networking considerations, underwriting guidelines, and real-world plan experiences - that can make the difference for a client.

Billy Ohmer · Answer

People should have their own personal agent because the agent will simplify the enrollment process while ensuring, year after year, all doctors and medications are covered.  This is critical because it protects people from paying more than they should for health care. This will allow people to have more money in their pockets so that they can enjoy their golden years!

Mark Lyne · Answer

Great question! After over 20 years helping folks in Austin, I think one of the biggest reasons why most people choose to work with an agent or broker who specializes in Medicare is that Medicare can be confusing, and they want to get it right while having their questions answered.

The next reason which surprises a LOT of people is that it doesn't cost anything extra. The price you pay for a Medicare plan is the same whether you enroll by yourself or with an expert agent.  Think about that for a second, you can either navigate the whole system alone, or you can get professional guidance for the exact same price.  In fact, our motto here at Simple Retirement Benefits is "You're never alone as long as you're with us!"

Another benefit is that most (not all) agents and brokers provide is service and support as long as you are their client. With us, this is also for free and we're here all year long, not just when you're signing up.

Finally, we do the homework for you. Medicare rules and plans change every single year. Part of our support is to stay on top of it, so during your annual review, we can let you know what's new and make sure you're still in the plans that are appropriate for your situation taking into consideration your doctors and current medications (which can also change from one year to the next).

So, when you're deciding about whether or not to work with a Medicare agent, just ask yourself, "Would I prefer to go it alone or would it be better to have an expert in my corner for free?"

Gerie Brinkerhoff · Answer

You should work with a broker (not just an agent). As an insurance broker, I work for you first and foremost, and then for the health insurance company. As an independent Medicare broker, I am appointed with several carriers, which means I can compare multiple plans side by side and help you find one that truly fits your needs. And we do this every single year to ensure you are always on the best plan for your current needs. 

The second reason is that as your agent of record, I can do most of the heavy lifting on your behalf. Instead of waiting on hold or trying to navigate confusing conversations with the insurance company, you can call me directly. I take care of those issues for you so you're never left to figure things out alone. 

In short, I simply the process, advocate for you, and make sure you always stay on the best possible plan.

Francis Burgoyne · Answer

A few simple things to remember about Medicare:

-Medicare will NEVER call, email, or text you randomly. Do not respond to any phone messages or any personal phone calls claiming they are from Medicare.

-Do NOT give anyone your Medicare number. It should be protected 

-If you suspect something doesn't seem right, contact Medicare directly at: 1-800-MEDICARE.

Hank McClellan · Answer

I highly recommend working with a Broker Agent that is well versed in Medicare Supplement and Medicare Advantage plans. A Broker Agent can help navigate the complexities of both options and help you find the right plan for your specific situation. A Broker Agent is not captive to one company, giving you a more diverse selection and allowing you to evaluate all your options.

Chris Mooneyham · Answer

There are several important reasons why I believe working with an agent matters.

First, the relationship. A good agent doesn’t just enroll you in a plan and never speak to you again. Agents who value their clients take the time to review benefits every year, whether changes are needed or not. They get to know your specific situation and can provide guidance to your health needs and your budget.

Second, your needs can change. There is no “best” policy for everyone. Plans, networks, and benefits vary by area and can change from year to year, which is why it’s so important to understand what’s available to you annually. If you’re planning for something specific, like a surgery or ongoing treatment, knowing how your coverage will support you ahead of time is vital. The last thing we want is for clients to be uneducated about their coverage and surprised by costs when something happens.

Third, an agent helps you use your coverage. We want you to take advantage of the benefits you have. That’s when your coverage truly works for you. Our agency offers a wide range of policies to protect clients, and our service department helps with things like filing claims, so you don’t have to navigate that process alone. When something happens, your focus should be on getting better, not figuring out paperwork or next steps. That’s where your dedicated agent or agency steps in to guide you.

Finally, these services come at NO cost to you. Agents are paid commissions by the insurance carriers for the policies we write, so you never pay extra for our guidance, support, or ongoing service. There are many great agents who are ready to help guide you!

Nathaniel Huck · Answer

As an agent I help clients understand their rights and options with Medicare in a low pressure setting.

Serlet Reyes · Answer

The best option is to always work with a licensed Medicare Broker, so we can review all your needs, medications, doctors' networks, etc. The most important part is to tailor the health plan to your needs.

Dawn Chapman · Answer

Medicare agents provide free, expert guidance to help you compare various plans and navigate complex enrollment deadlines to find the best coverage for your specific budget and health needs. We also provide yearly reviews to ensure you are on the best plan year after year.

Steven Bleicher · Answer

This one is too easy!  You must meet with at least 2-3 agents who will hopefully present a comprehensive review of the tricky and quirky Medicare system. I will tell you that most agents are trustworthy but since we don't know anyone's upbringing, there "could" be crooks among us. Also, you want to be certain that an agent is NOT a "Captive Agent" who only works for one insurance company and therefore, can only concentrate on THAT firm's policies. Moreover, some folks don't trust strangers in their home. Thus, there are times when I do sense that caution and will arrange to meet at a local fast food place where nobody bothers you.

Diana Garner · Answer

Navigating the world of Medicare is challenging. Enrolling can be difficult, but with guidance, it becomes easier. Working with a Medicare agent can be beneficial because they can help you navigate the complexities of Medicare, compare plans, and find the coverage that best suits your needs and budget, saving you time and effort. 

Being knowledgeable about the different types of Medicare plans allows us to be prepared to explain the benefits, coverage, & cost of each one. By assessing your individual health needs, medications, and budget, we can recommend the most suitable plan.

Steve Houchens · Answer

The best reason is that Medicare can be somewhat complicated and difficult for many to understand. There are many rules and regulations that the average person may not be aware of. The reason to work with a professional is the fact that they are trained in this area and to maintain annual recertifications to keep up with any changes in the marketplace and things can and do change from one year to the next.

Timothy Brown · Answer

Medicare agents are required to be certified annually in order to provide up to date information necessary for our clients to make informed decisions. In short, we do the heavy lifting on your behalf.

Kristen Skinner · Answer

We can summarize Medicare for and make it more simple. When you Google things , sometimes you dont get all the information.  So with a Medicare agent we can make sure you get thr right plan for your needs and make the enrollment process easy.

Frank Carta · Answer

A Medicare agent should be able to answer any questions that you have, saving you much
research time.  Medicare agents are also responsible to the Centers for Medicare Services for
their answers and conduct. There are numerous plans available with different prescription
drug coverage, co-pays and deductibles. It is important to be informed of these before you
sign up for a plan. Incidentally, plan members have until March 31, 2026 to make a change
to their plan.

Barbara Barnes, CMIP® · Answer

How often do you think things get complicated between  healthcare and health insurance? When that happens to you, would you prefer to figure it out alone or would you like some help? How much time do you have to make sure that you fully understand every coverage option and every new piece of legislation that will affect you? Do you see a professional for other complicated things in life? 

Agents help you through complicated claims issues when they arise and have full time expertise about Medicare and the available plan options and legislation that will affect you. In most cases, they are paid by your insurance company and cost you nothing extra. Why would you not want an agent?

Priscilla Ramos · Answer

Medicare can be complicated, we simplify it. We compare multiple plans, not just one.  Plans change every year; we review it annually.  There’s no cost to work with an agent and you have help beyond enrollment when and if issues come up.  Local, licensed and bilingual support.

Rick Boyd · Answer

Medicare brokers work with multiple carriers and can better advise using your needs what plans could work best for you.

DeeDee Whitlock · Answer

The reasons an agent is beneficial is To have an advocate on your side to help through the process & keep updated with all the changes every year!! You price & coverage is not affected by that agent and if you enroll from a website you still have an agent that is attached to that website and is getting commissions

Kris Moen · Answer

Working with a Medicare agent helps you avoid mistakes, compare plans easily, save money, and get personalized guidance from someone who understands local options and rules—at no cost to you.

Thomas Magnus, RHU · Answer

An Agent is a person that represents one insurance company. A Broker represents her/his client and is usually appointed with numerous insurance companies. There is nothing wrong with working with an agent. However, an agent - without demeaning agents(I've been one) - is a One Trick Pony with tunnel vision with access to ONLY the company they represent. A Broker usually is appointed with several or many companies and is able to "shop the market" so as to provide you with the most cost effective option available at the time.

Melanie Blackston · Answer

Medicare agents bring a lot of one on one and face to face to the table to help Seniors.  They are very familiar with the local hospital systems, doctors networks as well as pharmacies.  You don't have to call a 1-800 call center as you have your personal dedicated agent to take care of you.

Nick Sarant · Answer

Medicare agents are trained and certified and knowledgeable and for the most part look out for your best interests. You are not trained or certified. They can shop plans for you that you cannot do.

Gus Karigan · Answer

A licensed Medicare agent can help you compare different pricing and plans as well as helping understand how the A, B,C and D's of Medicare works and tailoring it to the clients specific health and financial needs.

Robert Baez · Answer

Medicare agents and brokers assist consumers in choosing the best health plan that suits their needs. Please reach out to me so I can assist you.

Mary Salmon · Answer

Working with a Medicare agent makes the whole process easier because you don’t have to guess your way through dozens of plans, changing rules, or confusing enrollment periods. A good agent listens to your situation, compares every option available to you, and helps you avoid costly mistakes—ensuring you end up on the plan that actually fits your doctors, prescriptions, and budget.

Answered by Cody Biggs on December 11, 2025

Broker Licensed in LA, AL, AZ & 24 other states

Barbara Patterson, CFP · Answer

To be educated on your options and penalty concerns and to have someone you can call when you have claim and premium concerns that is local.

Kelly Linster · Answer

You’ll have questions before, during and after the sale. I’m an agent who answers his phone in time of need.

Anna Davis CIC-RSSA · Answer

We are local, you have a person to talk to if you have a question or a problem, we will also simplify Medicare concepts, make sure you are covered well. And because we work for you, we will do our best to get you the best coverage avaible.

Geney Ruesga · Answer

When you work with a local Agent you get one on one communication with them. you can always reach their office by phone or email or even text.

Lea Vollmer · Answer

Personalized help for any questions you might have, someone to point you in the right direction. I know how the plans work and how to advise you on a plan that suits your needs and lifestyle. Let's grow old together!

David Haynes · Answer

There are numerous reasons to work with a Medicare agent. Many agents are local to the community and have a good understanding of the various plans that are available in the area. There are also benefits that one may not realize they have or could have with with a plan and it is important and ethical for a Medicare agent to explain them properly. Also, it is important that a Medicare agent be available year round for questions and concerns.

Casey Ahlbum · Answer

Medicare isn't just an enrollment decision, it's a strategy decision that will quietly affect your life all throughout your retirement. 

The choices you make when you start Medicare will determine which doctors you'll be allowed to see, how freely you'll be able to travel, which hospitals and other providers will be available when you need care, and how well your retirement income will be protected when a serious health scare happens. 

A good advisor takes the time to get to know you, and they will guide you through the process step-by-step, based on your doctors and prescriptions, your lifestyle and goals, and your level of risk and exposure. 

One thing a lot of folks don't realize is that working with a Medicare advisor doesn't cost you anything extra. The plans cost the same whether you sign up on your own, or with help. The difference is, with a good, trusted advisor, you're not navigating it alone, and you've got someone in your corner for the long haul.

Brian Kulis · Answer

They will destress the situation for you. It is so confusing with all of the mailings, phone calls and TV ads. A local agent knows the plans and can really help you choose the best plan for you!

Cheryl Lockhart · Answer

A licensed agent will review your prescriptions, doctors and budget.  They can then compare plans that fit your exact needs.  Often people enroll in a plan because it appears to be "cheap," but in the long run costs more.  An agent can help avoid this pitfall.

Michael Wallner · Answer

A Medicare Agents has insight on the payer/provider relationships that can help you avoid signing up with an insurance company that has provider network issues.
Agents know the ins and outs of the benefit details that may not be easily identifiable on insurance company communications.
You don’t pay the agent, so why not tap into free advice and expertise.

Celeste McGrath · Answer

A licensed agent/broker has completed hours of training and education and we know the ins and outs of Medicare. We know how it works with your situation, which options would be the right fit for you, and how different decisions may impact you in the future.

Sagrario &quot;Sage&quot; Dyer · Answer

We are licensed and insured, and possess the knowledge to explain how the coverages work for each plan.  When you work with a local Medicare agent/advocate, you are supporting a local business and helping an agent build a reputation of trust and expertise ,and or not.

Pauline Weiland · Answer

Working with a local agent for your Medicare needs has been proven to be more effective. Also if a problem arises you don't have to tackle it alone. As a Broker/Agent, I am able to interview a Medicare recipient and suggest best ways to handle individual health needs.

Alan &quot;AL&quot; Minthorn · Answer

In my case, I have spent 16 years developing, refining, and learning everything I can about the Medicare program, senior insurance products, and options I can offer my customers. It’s all I do. No home, auto, life, or other insurance products to dilute my time and expertise.

Donald Elliott · Answer

A Medicare Agent can answer your questions accurately, so you make the best decisions.  I never lead my clients but ask them questions they had not thought about.  Most Medicare decisions are permanent so I want my clients to make the best choice for them, then I can support them with confidence.

Leslie Santos · Answer

Medicare health insurance brokers work with all the companies who have plans in your area, as opposed as others that only represent one company and can only present you the plans of the company they work for.  You should always look into ALL the options available to make your selection.

Hudson Albert · Answer

Working with a Medicare agent helps you make sense of what often feels like a really confusing system... without all the noise from ads and call centers. We compare plans, explain real world differences, and help make sure you don't overlook something that could cost you money later. And just as important, we stick around after enrollment, so you always have someone to call when questions or issues come up.

Answered by Jason Denniston on April 24, 2026

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

Answered by Jason Denniston Medicare Insurance Agent

Lou Spatafore · Answer

You should work with a professional Medicare Agent or Broker who will ask the right questions to help determine what plans would best suit your needs and budget.  They take into account your provider choices, the prescription  drugs you take. the needs you have for ongoing treatment and the affordability of the plan based on your income.  A caring agent/broker will only do what is best for you and not what is best for him or her.

Cindy Clonts · Answer

This is our job, we work with hundreds of people each year and seasoned agents that do this full time can be an invaluable resource.  We study each year to pass the Medicare exam. Then we have to pass each carriers exam.  It's not easy!  We do the studying so you don't have to.

Diane Poythress · Answer

I take the time to understand your individual healthcare needs and preferences, offering tailored recommendations.
Working with a Medicare agent can be beneficial for several reasons, primarily because I offer expertise, personalized guidance, and can help you navigate the complexities of Medicare. Agents can save you time, potentially money, and reduce the stress of choosing and enrolling in a plan. I can also provide ongoing support and help you understand your coverage throughout your retirement.

Steve Schnell · Answer

It's important to work with a licensed agent because there are annual changes and options regarding Medicare. Senior get a lot of conflicting  and confusing marketing regarding Medicare, and an agent can help sift through the noise to help them find plans that fit their needs best.

Kim Gibas · Answer

Choosing a Medicare plan  can be overwhelming.  A licensed Medicare agent can simply the process and help you make an informed decision for your health and budget.  Here are some key reasons to consider working with one:
1. Help compare plans objectively 
2. They understand the local market rules and options 
3. They save you time and stress 
4. There’s no additional cost to you
5. They provide ongoing support
6. They help you avoid costly mistakes 
7. An independent broker, like myself, act in your best interest, as we are not tied to just one insurance company.

Kathy Detweiler · Answer

Working with a Medicare agent gives you clarity, confidence, and a caring guide in a system that can often feel overwhelming.

Sandy Nelson-Tittsworth, CMIP · Answer

One of the reasons to work with an insurance agent and better yet an insurance broker who has access to Moore insurance companies; is that they are aware of the pros and cons on every plan. They can assist you with matching a plan to your doctors and medications and knowing the features of the plan to fit your traveling needs for your health needs brokers can also assist you in working with the insurance company if there are any problems with your insurance working properly or claims issues

Melanie Rogers · Answer

I help you understand Medicare and Medicare plans so you don't have to decipher the information on your own. As as independent agent I can shop plans across different insurance carriers for you. I focus on your individual needs and fitting you into a plan that will work best for your doctors, prescription drugs and your benefit needs. You will have someone to reach out to at any time throughout the year for assistance. This can be vital in customer service issues saying you time and aggravation. I partner with you to assist you year after year as plans change their benefits we will review your needs.

Carolyn Duncan · Answer

Agents often spend a lot of time educating themselves for the benefit of current and future clients. We want to make sure you are well informed on past, present and possible future changes. We clarify much of the speculation and confusion often circulating among fellow Medicare Recipients, Medica Information, and the overwhelming information online to sift through.

Heather Allen · Answer

Working with a Medicare agent ensures that clients understand all the benefits of each plan in their area to help you make an informed discission. By using an agent, clients are able to understanding all their options to ensure they are getting what they need from their health plan.

Cindy Dedini · Answer

A licensed Medicare agent is certified, knowledgable and can customize a plan based on the beneficiary's needs.  The agent can evaluate the benficiary's budget and medical needs with a professional needs analysis platform that most people do not have access to.  The other reason to work with a Medicare agent is to establish a relationship based on trust and honesty.  The beneficiary will always have a live person to contact by phone, text or email and get the same person versus a robot or AI attendant.

Working with a Medicare agent provides personalized, expert guidance to navigate complex enrollment, compare multiple carrier plans, and find the best coverage for your budget and doctors at no cost to you. These licensed professionals offer annual plan reviews, help minimize out-of-pocket costs, and serve as ongoing advocates for claims or benefit issues.

Françoise Mueller · Answer

I can't speak for all agents, but I personally take pride in educating my clients on Medicare and how it works and providing you with the options available to you. As an independent agent, I can take the time you need to get the whole picture so you can make an informed decision.

Michael Roberts · Answer

You should ensure you have a clear strategy of what you are trying to achieve with Medicare and then a crystal clear process of how you'll execute your Medicare strategy. There are so many Medicare plan options and there are so many variables to consider & compare when aligning and or reevaluating your strategy.  A good broker will perform these functions on your behalf at no cost to you.  Why not use a good broker!!!

Heidi Wotton · Answer

Because Medicare can feel overwhelming — there are a lot of plans, fine print, and changes every year. A good agent listens to your needs, helps you compare your options, checks your doctors and medications, and makes sure you’re in a plan that fits you — not just what’s advertised. There’s no cost to use an agent, and you have someone you can call anytime if questions or issues come up later.

Hugo Luis Mion · Answer

You should work with a Medicare agent because they understand the differences between all the available plans. They can guide you through your options, explain the benefits each plan offers, and help you choose the one that truly fits your needs. With so many choices out there, not having an agent could mean missing out on valuable benefits.

Darlene Cerezo Swaffar · Answer

We are contracted with many insurance carriers and provide an unbiased review of your specific needs.  Our goal is to help make the process easy and find the best plan choice for you.  Another benefit is that the Medicare Agent will be available throughout the year to answer questions, look up doctors, guide you on your benefits and help you with any changes in the future.  It's a relationship built over time with trust and support.

William Brobson · Answer

A Medicare is is knowledgeable and has the resources available to answer questions you may and help you select the plan that is right for you.

Evan Agona · Answer

Medicare agents are trained and certificated to help beneficiaries make the best decision on selected a plan. With so many changes to plans each year it is difficult for the average person to stay up to speed, while agents are required to study the various changes year to year to assist beneficiaries. Additionally, if you work with an independent agent or broker they have access to multiple plans to shop around for the best fit versus contacting one particular carrier directly.

Rukshini Sandrasegaran · Answer

Medicare Agent is an Independent Broker who looks at all plans across the board matches the plan that is suitable to one's lifestyle, needs and budget.

Victoria R. Trevino · Answer

Medicare is a complex subject. Licensed agents are certified annually with the insurance carriers to understand the health plan benefits and to know the network of doctors/hospitals in the service area. Working with a Medicare agent can save time, energy and help you avoid enrollment mistakes.

Ami Fouts · Answer

A Medicare broker does all the foot work to make sure your doctor is in network to make sure your medication’s are covered and most of all if you have any concerns or issues, you can always call your broker to have them resolved the issues. A broker is free of charge. Everyone should utilize a broker.

Nick Morris · Answer

I believe the biggest reason to work with an agent is that, if you do, you will have a personal contact outside of the insurance company to contact for simple questions or if you are ever having a problem dealing with the insurance company directly. Secondly, I would say the overall knowledge of an agent can help you make important decisions about your coverage and options that are available.

Lou Ann Pyatt · Answer

A Medicare agent is educated and certified to offer Medicare products; working with a Medicare agent will save you time and effort in assisting you in learning about your Medicare options.  Also, there is no additional cost to you as the agent is compensated by the insurance company if you choose to enroll with a particular plan.

Marva Becker · Answer

A good Medicare agent will provide all options available for a senior. They are licensed to know how plans work and can find the providers who accept the plans. It’s important that seniors know when to enroll to avoid costly penalties and to understand when they can change plans. A Medicare agent provides guidance that benefits the senior and does not steer them to a plan that only benefits the agent.

Joseph Ford · Answer

We as agents each year certify with the different healthcare plans in order that the clients can may the best choice according to their needs.

Shawn Ray · Answer

You should work with a Medicare agent because Medicare has many moving parts, and choosing the wrong plan can lead to higher costs, limited provider access, or coverage gaps. An independent agent compares multiple plans based on your doctors, prescriptions, and budget, helps you understand enrollment rules and deadlines, and provides ongoing support if your health needs or plan benefits change, and at no cost to you.

Lee Hampton · Answer

Working with a Medicare agent makes the process a lot simpler. Medicare can be confusing, with a lot of rules and plan options, so I help break everything down in a way that’s easy to understand.

Since I’m independent, I can compare plans from multiple companies and help you find what actually fits your doctors, prescriptions, and budget. I also help you avoid common mistakes that can end up costing you money.

Best of all, my help doesn’t stop after you enroll—I’m here year-round if you have questions or need to make changes. And there’s never a cost for my services.

Lloyd Griffin · Answer

A Medicare agent serves as an advocate for the client who has annual certifications and training.
On any given day you wont think about any of the medicare or med-supp plans. Yet on the day something scare's you or somethings happens, you want options not obstacles. An Agent helps to put these options in place before hand.

Bill Brann · Answer

Medicare isn’t a one-size-fits-all program. You’re not just selecting a plan—you’re making important decisions about coverage types, prescription drug benefits, provider networks, and long-term costs. A Medicare agent helps simplify all of that by breaking down your options in a way that’s easy to understand and tailored specifically to your needs.

One of the biggest advantages of working with an agent is personalized guidance. Your health situation, medications, preferred doctors, and budget are unique. An experienced agent takes the time to evaluate all of those factors and match you with a plan that fits your lifestyle—not just a generic recommendation.

Another key benefit is access to multiple insurance carriers. Independent agents aren’t tied to just one company, which means they can compare plans across several providers to help you find the best value and coverage.

Best of all, there’s no cost to you for this service. Medicare agents are compensated by the insurance companies, so you get expert advice and support without paying extra.

Beyond enrollment, a good agent becomes a long-term resource. As your needs change, they can review your coverage annually, help you adjust your plan, and assist with any questions or concerns along the way.

In short, working with a Medicare agent gives you clarity, confidence, and peace of mind—so you can make informed decisions and avoid costly mistakes.

If you’re approaching Medicare eligibility or just want a second opinion on your current coverage, having a trusted advisor by your side can make all the difference.

Zachary Whitaker · Answer

My response to prospective clients is simple. Working with a Medicare agent can help you save time, reduce errors, and avoid choosing a plan based on advertisements. Agents receive regular newsletters from companies that keep us informed about processes. Be sure to work with a Broker who represents all the companies offered in your area, not just a few. That's how you can be best informed when enrollment periods come around each year!

David Treadway · Answer

There are too many mistakes that you can make doing it on your own. Most people have trouble understanding insurance and the differences between coverages. We know that information well and can help you avoid costly mistakes. We are trained and certified every year in Medicare rules and then trained on local plans. There is no cost for our assistance so there is no reason not to use a broker. We have helped thousands of clients navigate the complexities of Medicare and would love to help you understand your options better: now, and each and every year.

Nicole Hardy · Answer

You will have a dedicated contact person to answer questions accurately, having someone to guide you through the process effortlessly. Working with someone like myself you will have a friend vs agent. Someone whom you can depend on when things go right or wrong. No matter the situation, I will always ensure my clients get an above average level of care.

Victor Gerber · Answer

Medicare insurance is one thing that doesn't have a sale ever, meaning it's the same price anywhere you buy it even straight with insurance company. So with that said you may want to work with someone local that can help service the policy and go to bat for you when there is a problem.

Lori McDermott · Answer

Working with a Medicare agent helps you compare plans from multiple carriers to find coverage that best fits your health needs and budget. An agent also guides you through enrollment, explains your benefits, and provides ongoing support if your needs or plan options change.

Answered by Ann Sanfelippo on October 5, 2025

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

Eduardo Camacho · Answer

Clients can be overwhelmed by the Medicare Health Insurance Program and all the red tape, working with an Agent who is already is familiar with the Ins and outs allows the customer to relax and trust that the Agent is looking out for their best interest and can hold their hand and walk them through the enrollment process

Areasha Lockhart · Answer

Working with a Medicare Agent is beneficial because they know how to navigate the Medicare maze. Every year Agents are continually educated on every Carrier that they represent in their area. Agents are able to answer your questions, and we make sure you are in the right plan for you and your health.

Juan Osborn · Answer

To begin with, there are more options and recent changes in the Medicare marketplace than ever before.  As such, there are new carriers and new Medicare plan changes that are sometimes difficult to understand. A licensed Agent will know what information is needed to determine the optimal health plan options available. Considerations include client needs regarding doctors, specialists, medications, healthcare facility choices, special needs, cost, and more. A licensed Agent can assist clients with all of these requirements and can save them time and money in finding the right plan for their needs.

Javier Salguero · Answer

Working with a Medicare broker can save you time, money, and stress. A broker:

Explains your options – Medicare can be confusing, with Original Medicare, Medicare Advantage, Part D, and supplement plans. A broker makes the differences clear.

Shops all carriers – Instead of calling each insurance company yourself, a broker compares plans from multiple carriers to find one that fits your needs and budget.

Personalized guidance – A broker helps you match your doctors, prescriptions, and health priorities with the right plan.

Year-round support – Beyond enrollment, a broker is there to help with claims, billing questions, or coverage changes.

No cost to you – Brokers are paid by the insurance companies, so their services come at no additional cost.

Juan Beraldi · Answer

There are many plans available. An agent can compare plan options, look at your medication and the doctors that are important to you. Benefits are different based on your specific needs and wants and information can be overwhelming. Agent like myself, have to be familiarized with all plan options to be able to explain and compare plans so you can make the right decision. Also, a great experienced agent will be available for you, not only at the time of enrollment, but also while you are in the plan. This is also true when problems arises in the future. There is no perfect plan out there, a real agent will be available for you all the time. I’ve been doing Medicare for the part 20 years and I can guide mot only at the beginning but also throughout you life. Plans are many but there is lack of guidance and support. You can call me if you have any other questions

Kandance Magee · Answer

Understanding Medicare can get confusing. Working with a Licensed Medicare Agent will help you navigate plans based on your individual needs to ensure you understand what you have, how to use it, and maximize the benefits that are available to you.

D. Scott Harrod · Answer

It is absolutely critical that You have the recent updates to Medicare, the all important changes. Medicare Agents undergo annual trainings and required certifications keeping them on top of changes good and or bad, You do nott pay a Medicare Agent for their guidance and assistance, keep Yourself in the best set of circumstances and enjoy optimum health care.

Brian Sanet · Answer

First, You will talk to an human not an AI voice. 

Next, YOU are important to agents, they care about you. They want you to get the best correct information so you can make a the best decision that works for you. They will take the time to explain all your options and the pros and cons of each choice

Julie Kovacevich · Answer

I will help clarify the complexity of Medicare and advocate for you when you may need it most. Being licensed with multiple carriers provides me access to the plans in your area. Everyone's situation is unique. I take the time to understand your individual needs - whether that means keeping your trusted doctors, making sure your prescriptions are covered, or finding the plan that fits your lifestyle and budget best.

Daniel Fraser · Answer

I believe it is imperative to work with a licensed Medicare agent/broker.   Especially when it comes to Medicare Advantage plans that change on an Annual Basis and Providers enter in and leave networks throughout the year.  Also, a licensed broker works for you and is carrier neutral and product neutral .. meaning a broker should educate the Medicare Beneficiary and guide them to the insurance that best fits their needs

Lowana Richardson · Answer

1.  Because a good Medicare Agent/broker has studied and studied and passed yearly certification.  They are not just for one company, but ultimate goal is to serve the client.
2.  They can save you money - big time, help you to avoid penalties, and they don't cost you money.  A client just emailed today me saying I saved his wife $137,000.  Four years earlier he emailed me saying his $79,000 operation cost him $425, thanks to my advice.  A good agent is worth every single zero dollar it costs you.  But the key is getting an agent who knows their stuff.

Payal Acharya · Answer

1) Medicare agent can help you compare all plans with pros and cons to decide the plan that works for you.

2) Agent can be your one stop resource to find all the answers to your Medicare related questions.

Mary Manos-Mitchem · Answer

Medicare can be overwhelming, with various components like Part A, B, C, D, Medigap, deductibles, copays, networks, and formularies. An agent simplifies this complex system by providing clear explanations.

They compare Medicare Advantage and Part D prescription drug plans, ensuring you get the best value for your money. They compare costs, networks, and drug coverage to avoid overpaying.

The best part? You don’t pay the agent directly. They’re compensated by the insurance companies if you enroll through them. Your premium remains the same regardless of whether you sign up yourself or through an agent.

Additionally, agents help you find compatible doctors and medications. They check if your doctors are in-network and if your medications are on the formulary, which can save you significant headaches.

Ongoing support is another benefit. If you encounter billing issues, claim denials, or want to switch plans during Annual Enrollment (October 15 to December 7), your agent can assist you. This means you don’t have to deal with Medicare or the insurance company alone.

Justin Fox · Answer

I think one of the biggest reasons is to get a personalized needs assessment. A quality agent will look at your unique situation, and use their experience to put you in the best solution possible. An agent also gives you the ongoing support you and your family may appreciate, like answering all your questions, reviewing your plans every year to make sure it is the best option going forward, helping to resolve issues with your plan, and in most all cases, it doesn't cost you extra to have an agent (commissions are paid by carrier not client and premiums are the same either way).

Nickey Baxter · Answer

Medicare Agents specialize in their craft. They get paid by carriers to help you. They know the products and can make recommendations based on your needs, and not someone else.

Marisa Mitchell · Answer

Medicare agents have to stay up to date and certify every year to be able to help their clients. I love helping my local clients with the best plans that will help them specifically in our community. Our market is not like other markets and other out of state agencies may not understand our market.  Shop local!

Niels Heemskerk · Answer

The options for good coverage are many and somewhat confusing. A reputable insurance agent will do a thorough needs analysis and based that present all the options available so you can make an informed decision.

Niels Heemskerk
Contact me.

Bill Slaughter · Answer

An agent can walk you through the maze and guide you toward a plan that fits your wants, needs and budget.

Shrutep Amin · Answer

A licensed Medicare agent helps you choose the right plan for your needs and budget. They compare options from multiple companies, explain benefits clearly, and make sure your doctors and prescriptions are covered. Their service is free, they handle the paperwork, and provide ongoing support year after year — saving you time, money, and stress.

Donald E Oates, CLU, ChFC, RTRP · Answer

It doesn't cost anything to work with an agent, and they probably have access to many companies so it may save you time. We have access to a software program that has may Medicare Supplement company's rates ranked from the lowest premium to the highest. This saves you time and money.

Bruce Kaserman · Answer

You should work with someone like me because I handle Retirement Income Planning and someone like me helps people understand their Medicare options and how it fits into their overall retirement income picture.  My work as a Retirement Income Advisor focuses on how healthcare decisions interact with retirement income, out-of-pocket medical costs , and long-term planning

Christina Stanley · Answer

Partnering with a Medicare agent can make navigating the often overwhelming process much simpler. With the abundance of information available from online searches, advertisements, and advice from friends and family, it can be challenging to determine what and whom to trust. An agent can help you sift through the clutter and select a plan tailored to your specific needs, ensuring you have the coverage that suits you best.

Melissa Hatten · Answer

Working with a Medicare agent just makes life easier. Period.

You don’t have to figure all this out by yourself
Medicare is A LOT. Plans, rules, letters, deadlines… it’s enough to make your head spin. I break it down so it actually makes sense.

...They do the shopping for you!
You tell me your doctors, your meds, your budget… and I go to work. I compare the plans so you’re not sitting there guessing and hoping you picked right.

....It doesn’t cost you a dime
Yep… FREE help. You’re already paying for your coverage—might as well have someone making sure you’re in the right plan.

....You get a real person… not a random 1-800 number
No call centers. No repeating your story five times. You call, text, or message me—and I’ve got you.

.....I’m not going anywhere after you enroll
This is the part people don’t think about. Things come up. Bills look weird. Mail gets confusing. That’s when you need someone—and I’m right here.

....Peace of mind just hits different
Knowing someone actually cares, knows your situation, and is looking out for you… that matters.

At the end of the day, this is your health, your money, your peace.
Why do it alone when you don’t have to?

Curtis McCall · Answer

1. It costs you nothing. Working with a licensed Medicare agent is completely free to you. Agents are compensated by the insurance carriers — not by you. You get expert guidance at zero cost.

2. We do the comparing for you. There are dozens of Medicare Advantage, Supplement, and Part D drug plans available in your area. A good agent knows the differences, the networks, the drug formularies, and the fine print — so you don't have to spend hours figuring it out yourself.

3. Your needs change — we change with you. Every year during Annual Enrollment (October 15 – December 7), your plan can be reviewed and updated. A good agent reaches out proactively to make sure you're still in the best plan for your situation.

4. You get a real local person, not a call center!

Clare Goyette · Answer

An agent can present all options for the best coverage to suit your needs today and in the future. An agent is up to date on all special enrollment periods.

Justin Kramer · Answer

The best part about working with a Medicare agent is that it doesn’t cost you anything extra. Whether you go directly through the company or work with me, your plan costs the same. The only difference is when you work with me, you get someone local who takes the time to go through your doctors, prescriptions, and budget to make sure you’re in the plan that really fits you.

And I’ll be here for you year after year—so if your needs change or you just have questions you’re calling me.

So, it doesn’t change what you pay for your coverage, but it makes a big difference in the help and support you get.

Carla Butler · Answer

Working with a Medicare agent makes the whole process easier. Medicare can be confusing, but an agent explains your options in simple terms, saves you time by comparing plans, and helps you find the best value for your budget.

David Tom Rankin · Answer

Agents work at no charge to the beneficiary.  If it's a local agent, one can actually establish a relationship with someone in the business who works on your behalf.

Alicia Rosenquist · Answer

Working with a Medicare agent saves you time, reduces hassle, and provides personalized, unbiased guidance to find the most cost-effective plan for your needs and budget. There is no cost to you and no obligation.

Tracy Corwin · Answer

Expertise: Medicare agents have the knowledge to navigate the complexities of Medicare plans and enrollments. 
Personalized Guidance: They can tailor plans to your specific healthcare needs and budget. 
Avoiding Mistakes: Agents can help you avoid costly mistakes that often occur when trying to understand Medicare rules on your own. 
Early Guidance: It's recommended to seek guidance early in the Medicare process to maximize your options and minimize surprises. 
Free Assistance: Medicare agents and brokers provide free assistance, ensuring you don't pay any fees for their help. 

By working with a Medicare agent, you can ensure that you make informed decisions about your Medicare coverage and avoid potential pitfalls.

Cori Richerson · Answer

Not all agents are created equal. I am a broker, which means I have contracts with a lot of different companies and can bring you real world insight into what the strengths and weaknesses of each are. There is no charge for my services. You are going to pay the same amount if you allow me to help you, if you go direct online, or if you call the 1-800 number on tv. I, however, am not going to overwhelm you with phone calls and emails if you do choose to reach out. I am here to help, however I can. Be Blessed, Cori Richerson

John Lopez · Answer

I am licensed with most, if not all of the carriers who write policies in my home state. That allows me to match your needs with the policy that best suits YOU, not me. You can’t get that type of service from an agent who only sells with one or a few companies.

Joanna Gebhart · Answer

There are many reasons to work directly with a Medicare agent.  First and foremost is the fact that you receive personalized service from a fully trained professional.  An agent that represents multiple carriers searches for the optiminal plan that fits your personal medical needs and budget considerations.

Working with an agent can help avoid penalties associated with Medicare Part B and Part D.  

Using a local agent provides guidance on the local plans available in your area.

Jan Knight · Answer

Working with an independed Medicare agent is important for a few reasons.  An independent agent will have access to a number of insurance companies and rates, so you can shop for the one that fits you best.  Working with an independent agent isn't more expensive- you will pay the same premium whether you utlize their help or not.  The compensation to the agent is nearly the same, regardless of the company you choose, so an independent agent will not have a bias towards a particular company.  My clients choose to use an independent agent because like to have options and personalized advice.

Dixie Obbink · Answer

Working with a Medicare agent will help simplify the enrollment process for you. It gives you the opportunity to keep it personalized and ask questions geared towards your needs. It also allows you to receive help after you have signed up on a plan with an agent. If you are new to Medicare, they will help you to stay within the correct timeframe, so you don't incur penalties.

Carlos Rodriguez · Answer

Working with a Medicare agent can save you a significant amount of time and frustration by cutting through the complex jargon and dozens of plan options available in your specific zip code at no cost to you. Because agents are highly trained in the nuances of both Original Medicare and private plans, they can provide a personalized comparison that accounts for your specific doctors, medications, and budget, ensuring you don't accidentally choose a plan that leaves you with unexpected out-of-pocket costs.

Natalie Kelly · Answer

A local agent can compare different insurance company options for you, listening to your needs. If you enroll with them, they don't go away after enrollment. You have them as a point of contact going forward with any questions or concerns that pop up.

Rebecca Jackson · Answer

An agent is very familiar with the plans available in your area. They will know what changed have been made in the plans each year and will be dedicated to finding a Medicare plan that will fit your personal preferences.

Nikki Cortinas · Answer

You should work with a Medicare agent to help ensure you’re maximizing every available benefit, and help you proactively plan your care, so health insurance never dictate where or how you receive treatment.

Maureen McKenna · Answer

You will receive personalized guidance on your Medicare needs.  My approach is educational to make sure that you know your options and understand your choices.

Michael Braden · Answer

I believe it is in everyones best interest to work with a licensed, independent medicare broker.  It save you in the following ways:

1. Most Brokers offer multiple Carrier Choices (WE have over 35 Carriers) and most Agents only can show you 1 or two carriers.  More Choices, means more options and more options gives you a chance for lower premiums.

2. Brokers work for you and your interests.  They are like a Fiduciary vers a Stock Broker, they speak with you, learn about what is important to you regarding your healthcare options, and they put your interests first.  

3. Brokers typically have 5-10 years more experrrience than Agents.  

4. Brokers will be with you as long as you want them to be.  They never charge theirclients a penny, while their clients benefit from their vast kowledge and experience.

Rita Collins · Answer

Working with a Medicare agent is beneficial. Medicare agents undergo yearly training to stay compliant and up-to-date on annual changes to the Medicare program, which benefits you. Working with an Independent agent who represents several plans will help to ensure you are in the Medicare plan that works best for your personal situation. A Medicare plan that suits your neighbor may not be the best one for you.

Elea Sherrod · Answer

Because Medicare is confusing especially when you are turning 65 and have had your employer pick your plan for you.  There are time sensitive activities you must do and many choices available.  An agent has been annually trained to assist you in making decisions based on your specific needs.  Agents are sincere and caring and want to help you make the right choice.

Randy Bremer · Answer

An agent can review your individual situation and show you the best choices for you. Not one plan is best for everyone

Sandra De Fazio · Answer

Independent Local Medicare Agents are brokers contracted with a variety of health insurance carriers. We have the tools and knowledge necessary to help you with Medicare insurance. We can help you find a Medicare doctor near you, look up prescription medications in different formularies, or search which Medical group(s) your doctor is contracted with.

Cheryl Mahon · Answer

A Medicare agent can help you discern what type of supplemental coverage would be best for you based on your location, how often you see a doctor(s), if you like to travel out of state/country, and your budget.

Karen Chiaruttini · Answer

Seniors would benefit from talking with a licensed Medicare agent because they would get information that is personalized to their particular situation. This would take the confusion and guesswork out of their decisions,  which could effect them negatively  the rest of their life. A licensed agent also will make sure they are enrolled in a plan that fits their doctors, prescriptions, and budget, which in the end could save the beneficiary money and possibly give more benefits.

Chuck Winderl · Answer

Great question. Here are the main reasons why it’s usually a good idea to work with a licensed Medicare Advantage agent instead of trying to figure it all out on your own or just calling a number from TV:
✅ Reasons to Work With a Medicare Advantage Agent
1.	Personalized Guidance
o	An agent looks at your specific doctors, prescriptions, and budget to find plans that actually fit you.
o	Call centers and TV ads usually push one or two plans without checking if they’re the right match.
2.	Access to Multiple Companies & Plans
o	A local or independent agent typically represents several insurance companies, giving you side-by-side comparisons.
o	This helps avoid being locked into just one company’s plan.
3.	Cost Savings
o	The agent’s job is to make sure your plan covers your medications at the lowest cost and that you’re not overpaying in premiums or copays.
4.	Help With Enrollment & Paperwork
o	They handle the application, ensure it’s submitted correctly, and make sure your coverage starts when it should.
5.	Ongoing Support After Enrollment
o	If you have billing issues, need to switch doctors, or run into claims problems, your agent can help—something you don’t get with an 800 number.
6.	Annual Plan Reviews
o	Medicare Advantage plans change every year. A good agent checks your plan during Open Enrollment to confirm it’s still the best choice.
7.	No Extra Cost to You
o	You don’t pay the agent. They are paid by the insurance company, so you get their expertise at no cost.
8.	Local Knowledge
o	Local agents often know which hospital systems, specialists, and pharmacies are easiest to work with in your area.

Stephen Merrill · Answer

Obviously the personal experience dealing with the different carriers and if I give you any other reason you will simply attempt to improve your new AI enrolling agent

Stephanie Gonzales-Sager · Answer

They can compare multiple plans

Independent Medicare agents often represent several insurance carriers instead of just one.

That means they can help compare:

Monthly premiums
Deductibles and copays
Prescription drug coverage
Doctor and hospital networks
Dental, vision, hearing, and extra benefits

Without an agent, you may end up reviewing dozens of plans on your own.

Marisol Adamo · Answer

Working with a Medicare agent is beneficial because they can help you navigate the complex Medicare system, compare plans, and find the coverage that best suits your needs and budget, often saving you time and money.

Terry Nacion · Answer

You should work with a Medicare agent to get personalized guidance and save time navigating the complex Medicare system, as they offer free, unbiased advice by comparing multiple plans from different insurance companies to find the best fit for your health needs and budget. Agents also provide ongoing support, assisting with enrollment and answering questions year-round, at no extra cost to the consumer.

Sabrina Mitter · Answer

A agent is always updated on current changes and new plan options and can educated you on what products are leaving the market. Its nice to have someone you can trust to simplify the process and take it off your hands!

Tyrone Carr · Answer

With so much misinformation and predatory actors surrounding the Medicare landscape, it's more important than ever to get real advice from a local consultant that can provide accurate information, and affordable options that suit your unique needs. In addition, the emergence of A.I. has created confusion for many folks. We implore anyone looking to make Medicare choices to avoid A.I. platforms, and contact a local agent that will have accurate, up-to-date information.

Robert Ragsdale · Answer

I consider myself to be an educator.  My goal is always to find the most cost-effective way to get health coverage based on your specific needs and budget.  My promise is always to tell it like it is, not necessarily what you want to hear.

Tawshawa Bullock · Answer

A Medicare agent helps you understand your options and choose a plan that is right for you. They also provide ongoing support and keep you informed about important changes in your area that may affect your coverage.

Jamie Hindley · Answer

You pay the same premium whether you use an experienced agent or try to do this on your own - so why not hire an expert that you don't have to pay for?           
 
Independent Agents go through continuous training all year long. We see the carriers that have great (and poor) customer service, low rate increases (and the opposite), and we have experience with specific underwriting guidelines for each carrier. We know this industry and the ever-changing rules/compliance. 

Because we work with multiple carriers, our focus isn’t on one company, it’s on you! Our job is to look out for your best interests, educate you to make informed decisions, and ensure you have the most coverage at the lowest price.

Karen Colbert · Answer

You will receive direct contact and personailzed support with any questions or any changes that need to be made regarding your medical benefits. You would no longer be subject to using the 800 number in most cases. (not all)

Carrie Hunter · Answer

Seniors need guidance on what plan to choose. Medicare in not easy to navigate and certainly is not a one size fits all. 
Plans vary from location, benefits, drug formularies, networks etc.

Robert Hood · Answer

The reasons to work with a trusted Medicare agent is because we are staying up-to-date on current Medicare policies, rules, and regulations. When you have rate increases or changes in coverage, we will reach out to make sure you are aware. We help handle billing and claim issues for you. We work with multiple different companies, so we can look at more than one option to fit your needs. The best part is that you have the option to call someone you know and trust vs calling the insurance company and working with someone else every time. Hope this helps!!

Pratik Ray · Answer

Medicare agents are train and certified of their knowledge yearly by heal insurance companies hence they have most updated information regarding medicare rules and changes to plan understanding. The agent can also be helpful with answering questions and guiding you with enrollment process timely. They can provide ongoing support after enrollment and there is no cost to you.

Jake McGeoy · Answer

Independent agents/Brokers are able to help you shop plans, understand your choices, and make sure you do not miss any important considerations.  All of this comes at NO EXTRA cost to you!  In any other situation you would take the help of a professional at no charge, why not here?

Daniel Greer · Answer

The governmental agency, Medicare, does not actually employ licensed insurance agents. Employees of the agency do not assist beneficiaries in selecting the 'right' plan for folks. CAUTION: If someone calls you and says they work for Medicare and want to help you select a plan, hang up the phone immediately! This function can only be administered by licensed insurance agents, who are required to: Bi-annual Continuing Education (24 credit hours, 3 of which must be on Ethics) and Annual Certification and Training on specific plan benefits of all the plans they represent. There are different types of licensed insurance agents: independent self-employed, agency-employed agents, telemarketing firm employed agents and captive agents employed by insurance carriers which are only allowed to represent the carrier they are employed by. While there are certainly 'good' and 'bad' agents in all of these roles, I'd recommend using either of the first two I mentioned. Independent, self-employed agents represent a variety of plans and carriers and can compare 'apples to apples' between the various plans. These agents, such as myself, rely on referrals to build up their business, which means they want to do the best that they can for their clients.

Marie Goldbeck-Strunk · Answer

Key Reasons to Use a Independent Medicare Agent
Personalized Guidance:
Agents take the time to understand your specific health needs, lifestyle, and budget to match you with the most suitable Medicare plan. 
Simplified Plan Comparison:
Medicare plans are complex; an agent can clarify the differences between various Medicare options, including Medigap plans, to help you make an informed decision. 
Expertise and Education:
Licensed agents are trained and knowledgeable about Medicare, its structures, costs, and benefits, allowing them to educate you and answer your questions clearly. 
Time and Money Savings:
By providing expert guidance, agents can help you avoid costly mistakes and find plans that offer the best value for your money. 
Ongoing Support:
A good agent provides continuous support, assisting you with plan changes during Annual Enrollment Periods and offering guidance on Special Enrollment Periods due to life events. 
Navigating Complexity:
The Medicare enrollment process and the variety of plan options can feel overwhelming; an agent can simplify this process, reducing stress and ensuring you feel confident in your choices. 
Understanding Your Needs:
A knowledgeable agent will walk you through different scenarios and help you consider overlooked medical needs, ensuring your chosen plan provides comprehensive coverage. 
Access to Multiple Options:
Independent Medicare brokers work with multiple insurance companies, giving you access to a wider range of unbiased plan options from various providers. 
Face-to-Face Interaction:
Local agents often offer in-person meetings, which can enhance communication and trust, especially for those who prefer a more personal approach

Azure Miller · Answer

Individually licensed Medicare Agents have the opportunity to represent multiple plans in your area therefore they are able to compare plans across different companies and truly find a plan that best fits your needs.

Melodie Pogue · Answer

A Medicare agent should meet with you face-to-face to explain how Medicare works and what your options are. They are paid by the insurance company but can be your advocate for any questions or problems that arrive

Mike Jayroe · Answer

Working with a local agent who represents multiple carriers and plan types allows you the opportunity to have someone assist you with finding the plan that best meets your needs.

George Nikias · Answer

If you pick the correct agent. If you need any help, you have a local agent to help with any concerns you may have or questions. I offer service to my clients.

Thank you,
George Nikias
Contact me.

Sherry Perri Anzalone · Answer

Choosing Medicare can feel overwhelming, so that is why working with a Medicare agent can help guide you to make the decision for your personal situation now and into the future as your needs change

Amanda Cantrell · Answer

You have 1:1 support and a local agent to contact with questions and timely answers. Everyone presents unique situations and Medicare isn’t a one size fits all.

Stacie Singleton · Answer

Instead of navigating dozens of plans on your own, an agent compares multiple carriers, explains the differences in plain language, and helps you choose coverage that truly fits your health needs and budget. You also gain ongoing support year after year — someone who reviews your plan, checks for savings, and stands by your side whenever questions or changes come up.

Annette Hartman · Answer

Agents are wonderful resources. An agent will provide advice and help guide you through the process of enrolling in Medicare Plans that work best for you. An agent will then continue to be your advocate even after your initial enrollment.

Noel DeAngelis · Answer

Working with a Medicare agent will assist in comparing of not only your doctors but also your prescriptions. Agents are required to be up today on the change of laws and regulations for not only Medicare but also for each individual plan they represent.

Elizabeth Hardy · Answer

Only if they are licensed I. That state. I licensed I. MS and LA. I live on the MS Gulf Coast. Please give me a call and il will be happy to answer your questions. 

Jane Hardy
Contact me.

Paul Dunlap · Answer

Working with a trained broker can help you save time and money, ultimately helping you find the right plan.

Debra Cobbett · Answer

Because we are thorough, we come to your house.  I am licensed in 17 states.    Please see my profile on the Medicareagentshum website.

Juan Cardona · Answer

Medicare is very complex and hard to navigate the different options amongst so many carriers. Insurance agents are paid by the insurance company. Why not take advice from an expert that will add value and expertise without the additional cost.

Ryan Dawson · Answer

The reason you should work with a Medicare agent is simple: it saves you time and money.

First, working with an independent insurance broker who is contracted with multiple companies allows me to compare several plan options at once. Instead of you calling each insurance company for quotes, I do that work for you.

Second, Medicare is extremely confusing. I haven’t met a single beneficiary who didn’t benefit from professional guidance when navigating enrollment, plan options, and coverage rules.

Third, and most importantly, working with a Medicare agent doesn’t cost you a thing. In fact, not using an agent can end up being far more expensive. You could pay more for prescriptions, miss important coverage details, or enroll in a plan with subpar benefits that doesn’t truly meet your needs. -Ryan Dawson -Contact me.

Alicia Sargent · Answer

Health insurance needs are different for every person. A Medicare agent is able to speak with you one on one, take the time to listen, and be able to truly understand your specific situation. AI lacks real human understanding and empathy because it is not human.
A Medicare agent not only helps you find the right plan for you by listening to your unique needs, but is also able to link you to, and in many cases, help you apply for other resources available in your community that you may not know exist. This usually happens as a result of the the Medicare Needs Analysis agents are trained to complete when they first meet with you. Medicare agents are trained to assist people in many ways, not just with plan selection and enrollment.

Stephen Conroy · Answer

Working with a Medicare agent allows you to compare the difference in pricing the insurance companies charge for the same plan.

Andrea Perri · Answer

The number of plans available to someone eligible for Medicare can be overwhelming to sort through on your own. An agent can help you sift through the available plans and narrow it down to ones that will serve you best. Also, there are some areas of Medicare that can be complicated. For example if you are still working should you stay on your employer plan, or sign up for medicare A and B when you turn 65? When should you stop contributing to an HSA fund so as not to be penalized? What is your window to sign up for parts B and D so you avoid penalities? These questions and more can be handled by an insurance agent making your transition into Medicare smooth and easy. In adition seeking out advice from an agent cost you nothing and you are not obligated to sign up for the plans that are recommended to you. The choice is enitely yours.

Michael Bambrick · Answer

Experience, work with a local independent agent that offers multiple carriers. 
Not beholden to any one company. More options to tailor coverage to each individual.

Harshadray Patel · Answer

working with an agent face to face is in your best interest simply for reason
you know  who your working with in person,  help you understand the plans summary of benefits and taking time to answer your question

Britta Mullen · Answer

Working with a Medicare agent is beneficial for several reasons:

1. Agents not only have the knowledge and experience with Medicare but are also required each year to earn continuing education credits, which make them well versed with the most current Medicare information.

2. Medicare agents will have be able to provide Medicare plans through several different carriers available in your service area and will help you to narrow your choices by reviewing if your doctors and prescriptions are covered as well as options at different price points to meet your needs.

Chad Smith · Answer

To help you with additional coverages that come out each year! 

To find you the best network of doctors and dentists

Lori Heath · Answer

There are many reasons one should work with a Medicare agent or broker. One is their knowledge on the subject of Medicare. They explain and go over all your options and choices. They guide you on the steps and process of enrolling in Medicare. Agents/Brokers research and compare all the different plans available in your area, checking to see if your doctors are in network and prescriptions are on the plans formulary. They help you find a plan that meets your specific needs. All of these things are done free of charge. Most importantly they are there to help you and answer any questions before your Medicare enrollment and after your Medicare enrollment.

Tiffany Bozoudes · Answer

It is no cost to the consumer, and you have a direct con tact for all of your insurance needs and questions.

A Medicare agent can explain the parts to Medicare rather than the consumer navigate the system.

Linda Gordon · Answer

An experienced agent with credentials will give you unbiased information and find out what you are looking for and what you need.  I was formerly a SHIP counselor and affiliated with the NYC Department for the Aging.  Not many agents have that knowledge and expertise.  You will want to work with an Independent Agent who is licensed to sell many different companies' products, vs a Captive Agent that only sells for one company and won't be able to advise you on plans they don't represent. In addition to helping a person navigate the many different options, I'm a Senior Advocate, look out for my client's best interests and can help you solve many issues before and during your enrollment in a plan.  I'm known for solving difficult issues, helping my clients that have issues as an in-patient in a hospital, such as helping them delay being discharged when they don't feel they are ready to go home.

Olu Adesuyan · Answer

Working with a Medicare agent can make a surprisingly complex process much easier—and in many cases, it doesn’t cost you anything extra. Here are the main reasons people choose to work with one:

1. Medicare is complicated
There are multiple parts (A, B, C, D), different enrollment periods, and lots of plan options. A good agent helps you understand what actually applies to your situation instead of leaving you to decode it alone.

2. Personalized plan recommendations
Rather than guessing, an agent can match plans to your:

Doctors and hospitals
Prescription drugs
Budget
Travel needs

That’s especially helpful when comparing things like Medicare Advantage vs. Medigap + Part D.

3. Access to multiple insurance companies
Independent agents typically represent several insurers, not just one. That means they can compare plans side-by-side and show you options you might not find on your own.

4. Help avoiding costly mistakes
Missing an enrollment deadline or picking the wrong coverage can lead to:

Late enrollment penalties
Coverage gaps
Higher long-term costs

An agent helps you stay on track and avoid those issues.

5. Ongoing support (not just sign-up)
A good agent doesn’t disappear after enrollment. They can help you:

Review your plan annually
Adjust coverage if your needs change
Resolve billing or coverage questions

6. No direct cost to you
In most cases, agents are paid by the insurance companies, not by you. So you get guidance without paying a consulting fee.

7. Saves time and stress
Instead of researching dozens of plans yourself, an agent narrows it down quickly and explains the differences in plain language.

One thing to keep in mind:
Not all agents are the same. It’s worth asking:

How many companies do you represent?
Do you specialize in Medicare?
Will you help me every year or just at enrollment?

Fred Manas · Answer

Working with a Medicare agent can be beneficial because they can help you navigate the complexities of Medicare, compare plan & find the best coverage for your needs. They offer personalized guidance, understand local healthcare landscapes, & provide ongoing support, ultimately helping you make informed decisions & save time & money. Here's a more detailed look at the reasons:
1. Expertise and Knowledge:  Medicare agents have in-depth knowledge of various Medicare plans, including Original Medicare (Part A & B), Medicare Advantage plans (Part C), & Med Supp policies (Medigap). They are familiar with the local healthcare landscape, including local providers, hospitals & network coverage.  They stay updated on changes in Medicare regulations & policies. 
2. Personalized Guidance: Medicare agents understand your unique health needs, budget, & preferences.  They can help you compare plan options, weigh the pros & cons, & choose the coverage that best suits your situation.  They can answer your questions & provide clarification on any aspect of your Medicare coverage. 
3. Time & Effort Savings:  Navigating Medicare can be time-consuming & overwhelming. 
Medicare agents can do the research for you, saving you time & effort.  They can help you enroll in the plan of your choice & handle the paperwork. 
4. Ongoing Support:  Medicare agents are available to answer your questions & provide ongoing support, even after you enroll in a plan.  They can help you understand your benefits, file claims, & navigate any issues that may arise.   They can help you switch plans during open enrollment or if your needs change. 
5. Potential Cost Savings:  While agents may receive commissions from insurance companies, their services are typically free to you. They can help you find the most cost-effective plan for your needs, potentially saving you money.  
6. Advocate for Your Interests: Medicare agents work in your best interest, helping you find the best coverage & advocate  for your needs

Vachik Chakhbazian · Answer

they offer personalized guidance, local knowledge, and can help you compare different plan options, ensuring you choose the right coverage for your specific needs. They can also provide ongoing support and connect you with relevant community resources.

Gary Henderson · Answer

Medicare agents are required to be licensed and educated on Medicare plans. They can give you all your options and make the best choice that fits your needs. Trying to navigate Medicare by yourself would take quite a bit of research

Mary Brown · Answer

Working with a Medicare agent gives you peace of mind because you don’t have to figure everything out on your own. Medicare can feel overwhelming with all the parts, plans, and deadlines. As your licensed agent, I help you:
	•	Compare plans side by side so you understand your options clearly.
	•	Find coverage that fits your health needs and budget.
	•	Avoid common mistakes that could cost you money or cause gaps in coverage.
	•	Have ongoing support — I’ll be here year after year if your needs change.

Andrew Kramer · Answer

Simple answer. Would you prefer calling customer service of either your Advantage plan, or Supplement, then pressing various numbers, getting put on hold, and passed around? Or would you prefer to speak with your LOCAL agent? Of course, you need a local agent who answers the phone.

Meghan Blankenship · Answer

Working with a Medicare agent can make a huge difference in how smoothly and confidently you navigate your healthcare options.

Marcie Barnes · Answer

Medicare is a complicated subject.  Working with a licensed expert will insure you get all your questions answered and are enrollment is the coverage the best suits your needs

Suzanne Lamperti · Answer

Medicare can seem overwhelming to seniors. Working with an experienced agent can help eliminate confusion by guiding one through the process.

Mike Henry · Answer

Answer any and all questions you may have. Help you get on track for all you needs. Medicare supplement Part D. Any questions about long term care

Todd Bostic · Answer

You get to talk to a person face to face, and you can see their honesty.  I have been in telesales, and was NOT happy doing it.  I feel like I couldn't show my honesty because I couldn't sit down next to you.

Jack Mayer · Answer

I would not suggest going without expert advice, a well-qualified agent will be your guide, listen to your story, help you make sense of everything and then find the best outcome for your personal insurance needs. With a Medicare Advantage client, the agent will make sure your doctors and specialist are in network and that your medications are covered on that plan. It's not one size fits all, there are variable factors. When it comes to Medigap insurance there are different options and its best to go over all that with an expert. The goal is to get it done right the first time... one and done.

Dean Chiapetto · Answer

Licensed agents go through training to learn how Medicare works and what is available for their clients. Agents are required to do what is best for their clients. You want to work with an agent who brokers for many different companies so they can find you the policy that will work best for you and provide you with a policy to take the worry out of the process.

Pat Papson · Answer

Local Agent know your area and market.

We care personally about you, and can help you choose the best plan.

Eizel Mere · Answer

A non captive local agent is a wise idea because they can show you the bad and good of every plan available to you and which one suites your specific situation. Also, after working with these companies and our clients we can provide inside tips and help covering the gaps every plan inevitably has.

Ben Washington · Answer

What are the reasons why I should work with a Medicare agent? As agent I am certified each year on Medicare.   I am also certified by each carrier that I sale. I am trained by each carrier on their plans.

Don Hansford · Answer

A professional Medicare agent who is local knows the nuances of the market and gives you a valuable resource when questions come up. They may also have relationships with providers that may make your decisions easier.

Rich Baker · Answer

A licensed Medicare agent helps you understand and will present your options, avoid potential mistakes, and choose coverage that actually fits your doctors, medications, and budget. The help costs you nothing, and the guidance can save you time, money, and frustration both now and down the road. A good agent will find your pain points and what your primary concerns are, and work to match your coverage to your needs. As medicare changes, they must keep up with the differences year-over-year, which means you don’t have to.

Adam Ernst · Answer

It is free to speak with somebody who is licensed and keeps up with the industry. We share information so people can make the best decision for peoples' healthcare coverage going into retirement. They also can help you compare coverage with current work coverage to see if it is beneficial for you to even take Medicare. In my firm with Bankers Life and other firms/agents, we cover all areas of retirement to help people be prepared and covered for final/burial expenses, long term care and helping people move their retirement accounts (401k, IRAs, etc.) fee and tax free to protect the money you have earned from market volatility.

Julie Thompson · Answer

Everyone's Medicare needs are different, what's good for one is not necessary for another.  An agent, has the ability to review your situation including health, social and home needs to help you determine the best plan for you.  There are many additional benefits built into the plans that a beneficiary may not be aware of.

Cheryl Lyons · Answer

Working with a Medicare agent can be especially helpful because Medicare is complex and the “best” plan really depends on your doctors, medications, and budget. Here are the key reasons people choose to work with one:

1. Medicare is complicated

Medicare isn’t just one plan. You have:

Original Medicare (Parts A & B)

Medicare Advantage (Part C)

Prescription Drug Plans (Part D)

Medigap (Supplement) plans

An agent helps explain the differences in plain language and avoids costly mistakes.

2. Personalized plan matching

A good Medicare agent:

Checks your doctors and hospitals for network coverage

Reviews your prescriptions to lower drug costs

Compares premiums, deductibles, copays, and max out-of-pocket costs
This ensures the plan actually fits your healthcare needs—not just the cheapest premium.

3. Access to multiple insurance companies

Independent Medicare agents (like you 😊) can compare many carriers at once, not just one company’s plans, giving clients more options and better value.

4. Help avoiding penalties

Agents help people:

Enroll on time

Avoid late enrollment penalties for Part B and Part D

Understand Special Enrollment Periods when life changes happen

5. Ongoing support after enrollment

A Medicare agent doesn’t disappear after enrollment. They help with:

Plan changes during Annual Enrollment

Claims and billing issues

Prescription changes

Appeals and coverage questions

6. No extra cost to the client

Medicare agents are paid by the insurance companies—not the consumer—so clients get expert help at no additional cost.

7. Advocacy and peace of mind

If something goes wrong, your agent can:

Call the insurance company on your behalf

Explain denial letters

Help you switch plans if your needs change

This is especially valuable for seniors and caregivers who feel overwhelmed.

8. Local knowledge

Local agents understand:

Regional hospital systems

Local plan strengths and weaknesses

State-specific Medicare rules

That insight can make

Toni Cormier · Answer

Medicare agents help navigate through all the different options available, help stay abreast of rules and regulations and help to alert you of upcoming changes to plans and options.

Brent Mowery · Answer

If you work with a Medicare agent, they are able to advise you as to your options. An agent that is "captive" can only represent one company and their products. A broker is free to represent any company and usually can "shop the market" for you.

Charles Borg · Answer

If the agent is knowledgeable and honest you will get good accurate information. That’s very valuable.

Tamela Clayton · Answer

You should work with a good Medicare agent for a few reasons....

Medicare is not a one-size-fits-all and most people do not have the time to really learn about it.  
A good agent will sit with your specifics and match your doctors, meds and budget to a plan.

Also, a good agent is reachable all year.  Although changes can only be made during an opening enrollment, questions may come up outside of an enrollment period and you can ask your agent for these answers!

Linda Davies · Answer

An agent can help you understand your options, find the right plan for your needs, and even assist with enrollment and ongoing support.

Toni Chavez · Answer

Thanks for your question!

There are many reasons, but here are a few.  

It’s Free Help
Working with an agent costs you nothing — seriously. You don’t pay more for your plan, and there's no fee for guidance.

We Make Medicare Make Sense
Turning 65? Already on Medicare and confused? We break it all down in plain English so you actually know what you're signing up for.

Personalized Advice
We don’t just throw you into a plan — we look at your doctors, your prescriptions, your needs, and help find the best fit for you.

Year-Round Support
We’re not a 1-800 number. We’re real people you can call, email, or meet with — even after enrollment.

Plan Comparison Made Easy
There are dozens of plans. We compare them side by side so you don’t waste hours trying to figure it out on your own.

Help with Enrollment (and the Forms!)
Enrolling in Medicare Part B? Need to switch plans? We walk you through it — step by step, no stress.

We’re Local (and We Care)
You get someone who understands your area, your doctors, your pharmacy — and who actually cares about your outcome.

Hope this answers your questions.

Be well,
Toni Chavez
Medicare Broker

Jeffrey Sodikoff · Answer

My question to you is, Why Would You Not Want to establish a professional relationship with a Licensed Medicare Agent ? There is Absolutely No cost to you to work with someone who knows the business, and more importantly, Knows You. I have been working with the same clients, some for over 30 years, and have built professional relationships with them based on doing Whats Best for them...... OR, you can navigate the chaotic and turbulent Medicare waters yourself on line. After spending hours looking at every option and being more confused than ever, you then you will contact the insurance carrier you chose for your Medicare advantage plan. You will then speak to harried , hard working, call center agent , who you don't know and more importantly Doesn't Know You. Dedicated Agents can help you sort through all your plan options after doing their Due Dilligence with you, and finding out what your health care needs are. Then they can populate their software with this information into their software's filter, and watch your available choices pop up that match the filtered info. Then we email you these filtered plans to you for a side by side review. Then we have a consultation to discuss your concerns, and if one of the plans are suitable for you, and if you so wish, then we can enroll you online. Remember, there have been NO costs to you for this work. I hope this helped you understand the value what an experienced, licensed Medicare Agent brings to the table. We are screened annually and are required to do literally hours of compliance and product training, and then tested with some tests requiring a 90% passing score.

Ken Banks · Answer

To make sure you're getting every benefit that you may qualify for.  Also to make a sound decision with your health needs.

Gary Haft · Answer

Medicare agents go through certifications each year or two to be able to learn the products available so they can help you choose a plan to meet your needs.  The only thing I find in the 41 years I have been working with seniors on Medicare Plans is that many agents are out to sell you a plan that makes them the most money.  Most younger agents starting out in the business might do that so they can build up their business.  If you speak with an experienced agent who has been in the business a long time, will tend to be more straight with you and really show you plans to fit you and your budget and not concerned as much at the commission they will receive as long as they get paid from the carrier. --Gary Haft,

Jami Mead · Answer

As a Medicare Agent we are up to date on all the changes for each company that we work with. Advertisements show you the best plans and their features, we have the ability to show you all the specifics of each plan and do a side-to-side comparison so you can make the best choices with your options available. This includes helping to make sure your doctor is in network, your medications are covered or what the cost would be, and if there would be a need for other coverage and what would be available to you.

Glenn Alterman · Answer

I work to help all qualified Medicare beneficiaries select the correct supplement or Medicare Advantage Plan.  This is a no pressure sale as you will select exactly what benefits you

Lillian Hill · Answer

Did you know that Medicare Supplement and Medicare Advantage plans are both healthcare selections, however they provide benefits to members in a different way? That is where a licensed, certified agent-broker can help you navigate the sometimes-confusing landscape of your new healthcare options. With personalized attention, and current year plan comparisons. It is important to have guided support (at no additional cost) to help ensure that you are making the best choices available.

Michelle Ryan · Answer

Navigating all of the options offered to a Medicare beneficiary can be overwhelming and it isn't always clear who covers what and how much someone could have to pay. An agent that cares about the person they are sitting down with, will explain everything clearly in everyday terms and make sure the beneficiary UNDERSTANDS the plans. Face-to-face meetings with a professional in the field makes this much easier than deciphering it online

Amy Jones · Answer

Medicare agents are well informed on all of the Medicare rules, as well as your options for finding a plan that works for you! This can be a daunting task for someone with limited experience, but a licensed agent can offer you advice, guidance, and assistance with finding a plan suited to your personal needs. Because plans vary and benefits are not exactly the same from one plan to another, its absolutely vital that you have a needs assessment evaluation so that your personal needs are met!

Roberto Alonso · Answer

The Medicare trained and certified agent has acquired not only technical knowledge about Medicare but just as important, a familiarity with available resources to better assist customers.

If you believe that more often than not knowledge is power, then working with a trained and certified agent is a no brainer. All Medicare mistakes are costly, many much more than others. 

You should always deal with professionals.

Blaine Shipe · Answer

Working with a knowledgeable, experienced broker can be one of get the most intimate way to get the knowledge to make an informed and local decision. When it come to healthcare, there usually misinformed and not a very comprehensive way to understand the intricacies of healthcare in general. There also is a component of having a real individual who can “go to bat” for you. There won’t be an individual approach to making the most important retirement decision. Healthcare is usually a third of your expense during retirement. I can help you preserve that precious time and health savings. This goes way beyond monetary expenditures. This is a real life decision that needs to be a part of your lifestyle most of the time. Time is money and money can buy pice of mind when it comes to insuring or protecting your assets so you can live life.

Alicia Tyring · Answer

Working with a Medicare agent can be a big help when you’re navigating your health insurance options. Agents can break down the plans in plain language. Most agents will complete a needs analysis to help you avoid costly mistakes. We're here to save you time & stress, along with offering ongoing support.

Earl Beck · Answer

You shoukd work with a Medicare agent to be assured you will get answers to your Medicare questions, also to get help in finding the right Medicare Part C health insurance pkan.

Claudia Englert · Answer

We get the prospects doctors names and prescription drugs they are on & use a software program that determines what plans are best suited for their particular scenario.

Ashley King · Answer

A licensed agent not only helps you compare options, but they can also help you avoid costly mistakes while finding coverage that fits. All at no obligation to you!

Larry Pereiro · Answer

We educate seniors in regards to all their options for Medicare benefits. Accomplish those out any cost or obligations and provide this assistance without any predetermined carrier focus.

Shahwali Hotaki · Answer

Working with a Medicare agent can save you time, stress, and money — especially when you’re navigating complex choices

Charlie Fitzgerald · Answer

A licensed agent will be able to guide you through the different Medicare Plans to ensure that your specific needs and desires are fully met.  As a Medicare specialized agent, I have access to all of the resources to ensure that all of your needs are met and that you have the very best Medicare plan (s) available at costs you can comfortably afford.

Christine Brewer · Answer

A Medicare agent helps you compare plans, understand benefits, and choose the right coverage based on your doctors, medications, and budget — all at no cost to you. They also handle enrollment and provide ongoing support each year so you avoid mistakes, save money, and get peace of mind.

Ingrid Kollmann · Answer

I always recommend working with a local agent.  One you can look in the eye, shake their hand... it tells a lot about that person.  Local agents know the plans available in your local area.

Tristan Gibbs · Answer

The most important reason to work with a Medicare agent is because plan information can be very confusing and it is important to get the right coverage for you. There is no cost to you for working with an agent, they are well-versed in the plans in their area and they often know insider tips and tricks you might not think of.

Kris Neupauer · Answer

For the most part, this is an uncharted territory for people. Walk hand in hand with an expert who has the knowledge?And expertise to guide you. Put them to work for you to get in the answers that you want not just the answers they give you.

Tony Merwin · Answer

Min some cases, certain products are only accessible through an agent or broker. The primary reason is for the expertise and ability to shop the landscape of options. For products you could go direct to the company on, there is no difference in cost or benefits to you when using an agent to help facilitate.

Chauncey Bragg · Answer

As an agent I feel that it is my responsibility to listen and ensure that all of your questions are answered and that you understand what you are getting.

Mark Walker · Answer

Having a Medicare Agent is like having any other professional in your corner when you have questions that need a response. It’s having a trusted individual who can make your life easier dealing with the Maze of Medicare.

Jose Felix Arevalo · Answer

7 Reason Why Work with a Medicare Agent?
1. Agent makes Medicare easier to understand. Medicare has many parts, A, B, C, D, and dozens of plan choices. A licensed agent explains everything in simple terms, so you don’t feel overwhelmed or confused.
2. Agent helps you choose the right plan for you. Everyone’s health needs are different. A good agent listens to your concerns, checks your doctors and prescriptions, and finds a plan that fits your lifestyle and budget.
3. Agent help is free. You don’t pay the agent. They’re paid by the insurance companies, so you get expert advice at no cost to you.
4. Agent protects you from costly mistakes. Agents help you avoid missing deadlines, choosing the wrong plan, or losing coverage. They know the rules and keep you on track.
5. Agent offer support year after year. Plans change every year. Your health might change too. A trusted agent checks in during open enrollment and helps you adjust your coverage if needed.
6. Agent knows your local options. Agents often know which plans work best in your area and which doctors accept them. That local knowledge can save you time and money.
7. You get peace of mind. Instead of guessing or worrying, you have someone in your corner who knows Medicare and cares about your well-being.

Otisha Newton · Answer

Working with a Medicare agent or broker can really take the stress off your shoulders. Instead of trying to figure everything out on your own, you’ve got someone who knows the ins and outs and can explain it in plain language. We look at your doctors, prescriptions, and budget to make sure the plan actually works for you, and it doesn’t cost you anything extra. In the end it can save you a lot of time and stress.

Jermaine Williams · Answer

You will receive a high-level overview of your Medicare benefits. A Medicare agent is the subject matter expert and the one you should be able to trust to help find the benefits you need.

Jim Carroll · Answer

Would it be a bad idea to use the knowledge and experience of a licensed health insurance agent/broker who also has the annual Medicare certifications and insurance carrier trainings? It costs you nothing, but can gain you everything.

Although you may be completely comfortable choosing and self-enrolling into either a Medicare Advantage Plan or Medicare Supplement and Prescription Drug Plan, working with an certified agent/broker might mean the difference of you paying thousands of dollars more during the year by not having the knowledge of how different plans may or may not meet your specific medical needs. Can you afford to choose the wrong plan yourself and have a huge medical bill cause you financial hardship?

Jamie Blake · Answer

Not all Insurance agents are the same. Choosing the right one can make a big difference.

I have over 20 years of knowledge and expertise with Medicare. I understand the complexity of Medicare with the compliant rules and regulations in all areas related to Medicare, Medicaid, and Social Services. I am a native of Las Vegas which has given me the knowledge of all other services available to Medicare beneficiaries here in Nevada. I began my career in 1998, and over the years my true passion and commitment has been to educate Medicare beneficiaries. Guiding them through the maze of options available to them so they can make a wise and informed decision to best suit their needs.

I represent several different insurance companies, and can compare coverage and prices to find the best possible value for your individual circumstances. I am your consultant, working with you as you determine your needs. With an independent Broker, like myself, you get choices.

Tonya White · Answer

There are some people who like to do everything themselves, but depending on your situation, you may not realize there are different rules for different parts of Medicare with different timing, and there are situations that if you don't know the rules, could land you in trouble with lifetime penalties.  

Not all Medicare agents are the same though so as you look for an agent, look for one who will educate you on different types of Medicare plans, some will steer you in one direction or another without asking what's important to you.

A good agent will guide you through the process, help advocate for you when issues arise, and you have a go-to person who can answer questions about your plan vs you calling 1-800 transfer me around multiple times, put me on hold forever, then drop the call where I have to start all over again - believe me, it happens to us as agents too and if we can help alleviate that for you, then so much the better.  And with companies replacing people with AI and calling the government for answers, that in and of itself is reason enough.

Plus there is no difference in what you are paying in premium for whatever plan you decide to go with as agents get paid by the insurance company you enroll in.  You do not pay an extra fee to work with an agent.

That's just a few high-level points.

Greg Strasma · Answer

As a licensed Medicare Agent, every year I go thru hours and hours of training and have to pass not only a National Medicare test but also individual insurance carrier tests to be able to represent them in the marketplace.

I love helping people find the most comprehensive Medicare plan to meet their needs.  As an Independent Agent I have the benefit of not working for just one Insurance company and am able to look thru multiple insurance plans to find the one plan that meets your needs.

Albert Smith · Answer

We are trained and certified to give you accurate and timely Information. We provide the services you need when you need them.

Tonya Mowan · Answer

When it comes to Medicare, the options can feel overwhelming. Working with a Medicare agent can make the process much easier and more understandable. Here’s why:
1. A Medicare agent can help you understand all the options available and find a plan that best fits your unique healthcare needs and budget. 
2. Medicare has a lot of rules and deadlines. An agent keeps you informed about important enrollment periods, helps you avoid costly mistakes, and ensures you’re not missing out on any benefits you’re entitled to.
3. Medicare agents work with a variety of insurance companies. They can show you plans from multiple providers, so you get to compare different options in one place, rather than having to do all the legwork yourself.
4. The Medicare system can be confusing with all its parts and plans. A Medicare agent can simplify things, explain the details clearly, and even assist with paperwork. This saves you time and reduces stress, so you can focus on other important things.
5. Your needs might change over time. Having a Medicare agent means you have someone to call when you need help adjusting your plan, understanding new benefits, or making changes during open enrollment.
6. Medicare agents don’t charge you for their services—they’re compensated by insurance carriers. That means you get expert help at no extra cost to you.

Working with a Medicare agent is about getting the peace of mind that you’re making the best decisions for your healthcare coverage without feeling overwhelmed. It’s like having a knowledgeable guide by your side to help you navigate the Medicare maze!

Joseph Tretola · Answer

They know which plans actually work well in your area, which doctors and hospitals are in network, and can compare total costs beyond just the premium since a cheap plan with bad drug coverage or high out of pocket limits can cost you more in the long run. Most agents don't charge you anything because they're paid by the insurance companies, and a good one will check in each year during open enrollment to make sure you're still on the best option. Just make sure whoever you work with is showing you a real range of plans and not just pushing one company's products.

Frankie Cochran · Answer

you should work with a medicare agent because there are many factors to consider when searching for a plan that fits your needs. An agent knows what those factors are and knows to do an assessment of your needs and can explain the many different plans available in your area

William Wheatley · Answer

First, As a Professional Medicare Licensed Agent you must be licensed by each state you sell in. Second, you must be AHIP certified to be recognized by Federal Government. Third, after all that including 5 ctrdits awarded for your training, you still then must be certified by each carrier you represent. Finally, I Coach Bill am a trusted neighbor who have coached for generations youth sports...I personally have also been primary care taker in my Family and treat my clients as neighbors who can trust me to be there and my trained expertise to provide you with "Peace of Mi d Protection!" You trusted me to help lead your kids,trust me to meet your specific needs with your health and life insurance needs. Not a call center, not a number ...a friend and neighbor you can Trust Coach Bill!

Donald Baker · Answer

Licensed certified agents know the right questions to ask so you receive reliable information to make an informed decision. 

After receiving information from you about your situation and needs, they can make a recommendation based upon your answers.

Lori Marion` · Answer

Medicare is complicated. Wr gp through a huge amount of training every year in order to have the knowledge to help you make important decisions. We have also been accumulating knowledge and understanding by talking to many other people about their coverage and what's worked and hasn't for them.

Michael Gilman · Answer

A good Medicare agent asks thoughtful questions to understand your health needs, your doctors, your prescriptions, and your goals. Those answers shape the guidance you receive, making the process simpler and more accurate than trying to figure it out alone. It’s personalized support at no cost to you.

Casey Graves · Answer

Working with a Medicare agent is beneficial because we are highly educated on the plan benefits, networks, enrollment periods, penalties, rate increases, and more. While you could certainly figure these things out on your own, you might save a lot of time and energy by letting a professional guide you. Not to mention, our services are free! There are no disadvantages of using an agent.

Judi Norton · Answer

1.  Agents are trained to know how to navigate through many areas of Medicare; i.e., how to sign up for Medicare.

2.  Agents do not charge for their services so you are basically getting an Assistant at no cost to you.

3.  Some Agents will keep in touch to let you know of changes to Medicare Plans each year.

Stanley Wittenberg · Answer

In order to make the best decision as to the plan best for you. Considering all your needs helps an agent show you the best options

Danielle Jimison · Answer

Bottom line: A great Medicare agent is your personal GPS!  Guiding you through the maze with clarity, care, and confidence.
We take the time to understand your doctors, prescriptions, and preferences, so your coverage fits you ,not just what’s trending.
We stay current on plan changes, enrollment rules, and special programs, so you don’t have to.
We’re here year-round, not just during enrollment and when questions come up about billing, coverage, or changes, you’ve got a real person to call.
Most importantly, we help you avoid costly mistakes and missed deadlines, giving you peace of mind every step of the way.

Jajuan Knox · Answer

Working with a Medicare agent makes the whole process easier because you don’t have to guess your way through dozens of plans, changing rules, or confusing enrollment periods. A good agent listens to your situation, compares every option available to you, and helps you avoid costly mistakes—ensuring you end up on the plan that actually fits your doctors, prescriptions, and budget.

Answered by Cody Biggs on December 11, 2025

Broker Licensed in LA, AL, AZ & 24 other states

Wild Bill Anderson · Answer

Why be limited to one companies plans? As a broker with 11 different companies you get more options ( over 65 plans) based on your priorities NOT limiting you to one company!
We help you at no cost, get the plan and doctors you desire as we maximize your discounts!

Humara Riaz · Answer

Medicare agent — especially an independent, licensed one — can save you time, money, and stress. 

A Medicare agent:

Explains your options in plain English

Helps you understand how each part works (and what it doesn't cover)

Clarifies differences between Medigap, Medicare Advantage, and Part D

Diana Muhammad · Answer

An Agent is licensed, certified,  and trained to assist individuals who qualify for Medicare.   As no two persons are alike and Medicare is not a one size fits all, an Agent can offer guidance and assistance in helping one make the best choices for each individual.   

Thank you for your great question!  If i can be of further assistance,  please advise.  Enjoy your Day!

Brenda Skasko · Answer

So you can be fully educated, updated,  understand your rights and entitlement, to make a more informed decision. Also, personal service is priceless!

Rachida Silva · Answer

That's a wonderful question. For me, it's not just about selling an insurance policy; it's about providing a vital service to the senior community—the people who built this world for us
My core philosophy is about service and clarity. I know how complex and confusing Medicare can be. It often causes a lot of anxiety. I saw people struggling to figure out which plans covered their specific medications or allowed them to keep their long-time doctor.
That's why I became an agent. I truly enjoy breaking down that complexity, explaining the options simply, and walking someone through the process step-by-step. My goal is to be your trusted resource—to make sure you have the exact coverage you need, feel confident in your decision, and never pay more than you absolutely have to for your healthcare. I serve seniors by being the expert they can rely on, year after year.

Erica Huffstetler · Answer

Working with a Medicare agent helps you compare plans from multiple carriers to find coverage that best fits your health needs and budget. An agent also guides you through enrollment, explains your benefits, and provides ongoing support if your needs or plan options change.

Answered by Ann Sanfelippo on October 5, 2025

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

Emmond Wills · Answer

To ensure you get personalized help in comparing plans and ensuring that those plans match your needs and medications, not to mention the Doctors and Hospitals.

Christopher Matthews · Answer

As a Medicare agent I ca help you compare plans, find coverage that fits your health and budget, and avoid costly mistakes or gaps in care. WE also handle enrollment details and keep you informed about plan changes each year.

John Weaver · Answer

You should not.  You need to work with a Medicare Broker.  An agent usually works for one company and knows its plans.  A broker is generally contracted with five or more plans, licensed in multiple states, and has several years of experience with various plans in and around the service area.  They typically know which doctors are in various plans, the medications the plans cover, and what benefits, offhand, these plans have to offer.

Randy Hill · Answer

Great Question!  

• You get someone who works for you. An agent will help you find the plan that fits your doctors, your medicines, and your budget.
• You save time. An agent will compare all the plans for you so you don’t have to spend hours trying to figure it out on your own.
• You avoid costly mistakes. An agent will make sure you pick a plan that protects you all year.
• You get clear answers. An agent can explain everything in normal words so you always know what you are getting.
• You get free help. You never pay an agent. The insurance companies pay us to guide you.
• You get support all year. If you have a billing issue, need to change doctors, or need help during enrollment, your agent will take care of it for you.
• You stay updated. Medicare changes often. An agent will make sure you stay on the best plan every year.

You get a guide who cares about your health, your money, and your peace of mind.

We are here to help let us know if you need any assistance.

Richard Norcross · Answer

With an agent you will get expert guidance from someone who can compare multiple plans.
It costs you nothing and can help you avoid costly mistakes while receiving ongoing support after enrollment

Philip Santucci · Answer

Working with an agent can save you time and headache. They are trained and licensed to understand the moving parts of Medicare which can be confusing. They also can look for the best options for you so you do not have to.

Samantha Jones · Answer

As long as they are licensed insurance agent in your state most of these agents can explain how insurance coverage works rather than calling directly to the Medicare office

Tammam Tayara · Answer

Working with a Medicare agent saves you time, stress, and money. An agent helps you understand your options, compare plans, and avoid costly mistakes—all at no cost to you. We stay up to date on Medicare rules and plans in your area, so you get personalized guidance and ongoing support whenever your needs change.

Answered by Travis Harmon on September 3, 2025

Broker Licensed in OR, AL, AZ & 6 other states

Elizabeth Henderson · Answer

There are many people who are used to just choosing their own health insurance online or from their employer, however, there is so much more to know with Medicare.  There is timing to be aware of and also income strategies to be aware of in order to minimize costs.  Also, medicare agents help you understand the difference between plans and, if they work with enough insurance companies, they will be able to guide you to which one will work best for you in your specific market given what you want and need.

Shahnaz Razvi · Answer

Medicare can be unnecessarily complicated and confusing to some seniors. So it is always a good idea to consult with a good unbiased broker agent to guide you through the many pitfalls of making a wrong decision. These are some of the most important decisions of a beneficiary's life and a mistake or misinformation or disinformation could affect their health or health coverage and the choices they make with their health plans.

Velvet Ohlen · Answer

You should work with a Medicare agent because understanding how the health plans work can be confusing. As a licensed and certified agent, I have the expertise to help you navigate your options and make confident decisions.

Tim J Harris · Answer

A local Medicare Agent has first hand knowledge of the available plans and provider networks in the area where you live.  This knowledge is essential to provide you with the best Medicare plan that takes care of your needs.  

A local agent is here, where you are, available to answer your questions and help if an issue arises, something an anonymous person in a 1-800 call center cannot provide on an ongoing basis.  

...and did I mention it's free?

Tanisha Coffey · Answer

Just like with other types of insurance, working with a Medicare broker can help you to fully understand your options and which coverages do and don't work togethers. Working with a Medicare broker also gives you access to an experts who can help you look at your options holistically, giving you a better understanding of how your Medicare choices are impacted by other financial decisions you may need to make if you're working after 65 or whether you're retired. Finally, working with a Medicare broker can help you to learn about or apply for programs for which you may be eligible for based on your income or your specific health challenges.

Frances Mitchell · Answer

The best reason is the ability to have a live person able to evaluate your needs and find the best product for you the person.  Medicare plans are not one size fits all.  What may sound great may not work for you.  With a live agent you can find, understand and move forward.  Also if you have questions down the road you have a "name" and someone to call to get the answers

Leann Burkholder · Answer

Medicare can be very confusing and difficult to understand.  Even maneuvering the website can be difficult for some seniors.  As I have intel and access to most major carriers, working with a local agent, like me, streamlines and simplifies the process in investigating the best plan for you.
I take the time every year to listen to your needs, request your physicians, and your prescription medications to find the most comprehensive plan based on your individual circumstances.  One plan does not fit all!

Heather Currier · Answer

The reason you should work with a medicare agent, such as myself in particular is that the benefit of having a personal agent to come to with questions on coverage. as well as to assist  you when trying to decide between plans,  when eligible enrollment periods are active. You have personal attention to your needs and a consistent source of accurate information.

Chris Lewis · Answer

Working with a Medicare agent is highly beneficial primarily because they offer expert, personalized guidance at no additional cost to you.  Gives you someone you can see, touch, and talk to.  They simplify the complex world of Medicare, help avoid costly mistakes, and provide ongoing support, providing you with personal one on one service.

Mark Davisson · Answer

Working with a certified, trained, and knowledgeable Medicare agent will save you many headaches as we are committed to understanding the plan options available to clients, committed to always doing the right thing by our clients even if it is to our detriment, and navigating a relatively complex system with ease.

Our commitment to being of service is what makes Medicare agents excel.  If you find one who tries to sell you something else, move on.  Not all of the agents are altruistic, but they need to be.

Larry Plyler · Answer

Medicare agents are trained to provide thorough information and plans designed for reirees going on Medicare.

Daniel Matar · Answer

They will provide you with well researched options and plans. They’ll be working for you every step of the way.

Jessica Ellis · Answer

Working with a Medicare agent saves you time, stress, and money. An agent helps you understand your options, compare plans, and avoid costly mistakes—all at no cost to you. We stay up to date on Medicare rules and plans in your area, so you get personalized guidance and ongoing support whenever your needs change.

Answered by Travis Harmon on September 3, 2025

Broker Licensed in OR, AL, AZ & 6 other states

Kevin Johnson · Answer

When working with a licensed agent such as myself You get personalized service and i will work to make sure we get you into a plan that suits your needs .
 I will do all of the work for you and you can rest assured you will get the best option

Debbi Wallace · Answer

We are specialists in medicare and have the experience to answer most qustions regarding medicare. Also, as a senior myself, I am uniquely qualified to address many of the issues we, as seniors, have.

Ira Smith · Answer

It is important to work with someone who specializes in Medicare, so you can get the truth about your options and be assured you have the right guidance to select which options you should take.  Thanks so much, Ira

John Hawk · Answer

No additional cost. Agents get paid from carriers 
Get expert advise
Avoid costly mistakes and potential lifetime penalties 
Ability to access and review every plan in your market 
Always prudent to get a second opinion on price and coverage

Martha Lopez-Elkind · Answer

Why should you work with a Medicare agent? Because I'm going to have your best interest at heart! I'm going to explain and provide you with all the information and answer all of your questions. Also in most cases, I can assist resolve your issues without having to waste your time calling the insurance company!

Paul Mercier · Answer

Working with a Medicare Agent means that he or she is licensed as well as fully trained and certfied in helping people navigate through the sometimes confusing Medicare process. It also ensures that you will be given the best solutions and options to any concerns or needs that you have

Ana V. Magalhaes · Answer

The main reason is that Medicare can be complexe and an agent has the knowledge, training and latest information to help you find the plan that best fits your needs. And an agent is available to answer your questions and, in some instances, advocate for you.

Gregory Brown · Answer

Because we are Licensed and certified to represent different carriers, also we can go over the different plans that the carriers offer.

Uchennah Okafor · Answer

The reasons why you should work with medicare agent are

1. Medicare agents are trained about Medicare and all carriers they contracted with gave them training and certification.

 They know which plans that will give best coverage based on each client's need and will give better advice free of charge.

Darnel Brown · Answer

Medicare Agents should be Certified/licensed by carriers, as well as verse in products.

Able to compare and find the right plan for the clients situation, budget and prescriptions

Charles Mai · Answer

A Medical agent will help you find a plan meets your needs the most and maximize the benefits available.  And the agent is a great source for Medicare relative questions and matters and easier accessible.  Best of all, working with an agent, there is no extra cost, this means you get the same benefits and same costs with or without working with an agent.

I

LaShonda Smith · Answer

We have lots of knowledge that we are trained and skilled on. It's comparing a sink versus a fire hydrant. They both have the same product, but one has more. Contact me. And I will go over some plan details with you.

Gina Pranzitelli · Answer

An agent is a knowledgeable, compliant and honest person who will assist you with understanding Medicare and all of the options available to you and your specific needs, at the lowest cost to you. They will continually keep in contact with you if updates or changes happen so you dont miss out on any benefits you are eligible for.

Mila Grayevsky · Answer

Competent and experienced agent such as myself can help you decide what works best for you.
It is not easy to navigate Medicare plans options and keep track of changes which happens through the year.

Marc Gilman · Answer

An experienced Medicare Agent is trained to first review all of your healthcare requirements - your preferred medical facilities and provider relationships, prescriptions, medical conditions, and what specific extract benefits would be of value to you. Only then will we evaluate all available healthcare options for you including drug coverage.

Jacquie Wolf · Answer

Simple, it costs you nothing and you are working with a person trained in Medicare and the details of the plans in your State. Working with a Broker gives you access to many different carriers!

Tanja Roulhac · Answer

The agent is knowledgeable in the policies that govern Medicare, Social Security and Insurance.  That expertise is needed to navigate the various products available to meet the needs of seniors.

Scott Klag · Answer

You should work with a Medicare agent because of the complexity of Medicare with Part C plans, Medicare supplement plans, standalone prescription drug plans, and the fact that in each county, there may be as many as 100 different plans to choose from. You need to do your research and find a professional who is going to help you walk through this maze called Medicare.

Luis Mendoza · Answer

Plans change every year. An agent reviews your coverage annually during AEP (Oct 15–Dec 7) to make sure you’re not stuck paying more than you should.

Korina Medrano · Answer

Being an agent is a dying art. I would want an agent. There are no fees associated with getting advise from an expert.

Anniessa Anderson · Answer

Working with a Medicare agent means you don’t have to figure it all out alone. I take the time to break things down, compare your options, and help you feel confident that your plan truly fits your health and your life.

Lesley Paul · Answer

I like helping people simplify the process of choosing a Medicare plan that is appropriate for them.  As people age, it is important to help them hold on to more of their funds so that they can maintain quality of life while being proactive and preserving their health.

Amal Sahyoun · Answer

Medicare agents are highly scrutinized for ethics/fraud/waste/abuse & must pass yearly exams with a 90% passing rate.  The industry does not allow just any agent to offer these plans.

As brokers, we offer numerous plans to fit your needs but you won't know until you call.

Daniel Sawicki · Answer

You should work with a Medicare agent because I present the Medicare information specific to your needs. Then explain the differences in benefits between your options.

Glenn Virga · Answer

With 22 years of experience working with people on Medicare, I have developed a simple and effective way to help people understand the different parts of Medicare. I consider myself more of a consultant than just a salesperson. I prefer to educate a potential client so you can make an educated and informed choice.

Annette Newman · Answer

They help you avoid the lifetime Part B or Part D penalties that occur if you miss your enrollment windows.

They double-check that your "must-have" specialists are actually in-network for the specific plan you're considering.

Josefina Escobar · Answer

One major reason to work with a Medicare agent instead of a call center or company directly is personal support. While call centers can enroll you quickly, when issues come up with benefits, claims, or billing, you’re often transferred multiple times before finding help. With a licensed broker, you have one dedicated person you can rely on every time you call, including after hours. This matters because senior health concerns don’t always happen during business hours, imagine dealing with severe tooth pain at 9 p.m. A local broker is far easier to reach than a call center. Lastly, Medicare Advantage companies all pay brokers the same commission, so there’s no incentive to favor one plan over another. We simply recommend what we think is right for our clients, professionally.

Eric Jensen · Answer

There are usually lots of plan options available in your area and a lot of nuances to each plan that an experienced agent would be aware of and be able to go over with you. They can help you narrow down your options and pick the best one for you based off your individual situation. There also is not any additional charge to consult with an agent or enroll in a plan through them  so you do not gain anything by enrolling on your own some public site or directly with a carrier.

Kimberly Griego · Answer

Working with an agent helps to ensure that you are getting the most up-to-date and accurate information for your specific health insurance needs. As a Medicare agent, I do many hours of certifications each year so that I am completely familiar with the plan options available to my clients, as well as what the network availability looks like. It is my ultimate goal to help you find the plan that best suits your individual needs.

Ricky Gonzalez · Answer

Navigating Medicare can be overwhelming. At Pinnacle Financial Group, Inc., we specialize in simplifying this complex system so you can make confident, informed decisions. Here are a few key reasons to work with a licensed Medicare agent like us:

1. Personalized Guidance: We don’t believe in one-size-fits-all solutions. We take time to understand your health needs, prescriptions, doctors, and budget to match you with the right plan—whether it's Medicare Advantage, Medicare Supplement, or Part D drug coverage.


2. Access to Multiple Carriers: Unlike working directly with a single insurance company, we represent you, not the insurer. This means we can shop the market and offer unbiased comparisons from top-rated carriers to find the best fit for your situation.


3. Ongoing Support: Your healthcare needs can change—and so can Medicare plans. We provide year-round support, including annual reviews during the Medicare Open Enrollment Period, to ensure your coverage continues to meet your needs.


4. No Cost to You: Our services come at no additional cost. We're compensated by the insurance companies, not by our clients—so you get expert advice without extra fees.


5. Experience You Can Trust: At Pinnacle Financial Group, we bring decades of experience in insurance and retirement planning, helping clients make smart, strategic decisions that protect their health and wealth.

Tai Thao · Answer

Professional, unbiased, expert help at no cost. Licensed and co tract with multiple carriers to help you shop for the best plan for all your medical needs.

Pedro Rodriguez · Answer

English 
 “65+ and Medicare feels like a puzzle? You’re not alone.” I’ve helped so many seniors turn confusion into clarity   With me, 65+ means peace of mind, the right plan, and no stress.

Español 
“¿65+ y sientes que Medicare es un rompecabezas? No estás solo.” He ayudado a muchos adultos a convertir la confusión en claridad 
 Conmigo, 65+ significa tranquilidad, el plan correcto y cero estrés

Kyra Baldwin · Answer

As an agent, it is our job is to make sure you clearly understand your options. We’re trained to know what to look for and how to guide you toward the insurance choices that will best fit your specific needs. We make the process simple, saving you time and stress!

Rob Baer · Answer

Medicare agents are certified and trained annually on Medicare rules and laws and have been trained and certified by each carrier they wish to represent. 
A local Medicare agent knows the networks, healthcare providers, and pharmacies, to help you choose a plan that actually fits you and your budget. To a local agent, you are a person not a number, and you have a person to contact who you can rely on to assist you.

Kyle Nystrom · Answer

Medicare can be confusing, and parts of it change yearly. You don't NEED to work with an agent, but if you do, they can make your experience with Medicare smoother and walk you through what's important to you without all the extra or inaccurate info you don't need.

Dan Green · Answer

First of all, experience. A seasoned Medicare Agent can walk you through several Medicare Supplement plans that fit your needs. Personally picking a plan through an agent can save you money. I recently talked with an 84 year old paying over $320/ month on Plan F
She now pays $216/ month on Plan G. The difference in premium more than covers the Part B deductible and still saves her almost $1000 / year. Medicare Advantage plans work similarly. Finding the right plan and making the right choice is extremely important and partnering with an agent that has your best interest at heart means the world to people.

Michael Turkaly · Answer

A trusted Medicare agent can educate you on the different plans available. They can walk you through the process, so you understand and make a valued decision.

Monica Hughes · Answer

You should work with an agent so you can receive answers to all of your questions in real time and learn about any additional benefits that may be in your area.

Jonathan Brower · Answer

Working with an agent, especially a broker gives you access to all the plans in your area that suit your needs and budget.  We can quickly sort through the available options based on your unique needs and explain the features and limitations of each.

Kendra Siemiesz · Answer

A Medicare agent is able to assist you with comparing multiple plan options and benefits in your area.  Every year plans and networks change so it is important to always review your current coverage and check for any important updates or new benefits.  I know Insurance can be quite confusing and having to check your doctors, medications, new benefits, all the carriers, all on your own can be very challenging and overwhelming for most.  That is why an agent is important because they have access to all of that information in one place and can easily guide you in the right direction and make sure you have all the benefits, savings, and coverage you need year after year.

Michael Cavanaugh · Answer

Brokers that specialize in Medicare must take vigorous courses every year to keep abreast of all changes that can impact what CMS implements that can improve or reduce benefits.

Mark Summers · Answer

Medicare agents can identify nuances to mitigate risk the typical Medicare beneficiary may not be aware of. You pay the same for the plan whether utilizing and agent's expertise to guide you through the process, or purchasing a product directly from an Insurance company.

Mindy Kay · Answer

A Medicare agent helps you compare Medicare Advantage, Medicare Supplement (Medigap), and Part D plans to identify coverage that aligns with your healthcare needs, prescriptions, and budget. Licensed Insurance Agents can help you avoid costly mistakes, understand annual plan changes, and enroll with confidence while potentially lowering your out-of-pocket expenses while presenting to you all your options

Ken Correa · Answer

There are a lot of moving parts to Medicare. A Medicare agent can take you through the many and varied options, explain the differences and help you select the option that best meets your needs.

Kristin Ingram · Answer

Working with a Medicare agent provides personalized, expert guidance to navigate complex coverage options, compare plans across multiple carriers, and possible issues, all at no cost to you. They offer year-round support, helping with claims, enrollment, and annual reviews.

Jason Meadows · Answer

Why Work With a Medicare Agent?

Choosing the right Medicare coverage can feel overwhelming — but you don’t have to figure it out on your own.

✔ Simple, Clear Guidance

Medicare has a lot of moving parts. A licensed agent can help explain your options in plain language so you can make an informed decision.

✔ Compare Plans in One Place

Instead of contacting multiple companies, an independent agent can review plans from several carriers and help you compare what fits your needs.

✔ No Cost for Assistance

Working with a Medicare agent does not cost you anything. Their services are paid for by the insurance companies.

✔ Avoid Costly Mistakes

The wrong plan can mean higher costs or limited coverage. An agent can help you look at the details ahead of time.

✔ Ongoing Support

Your needs can change each year. A good agent is there to help review your coverage and answer questions when needed.

✔ Personalized Recommendations

Everyone’s situation is different. An agent can help match your coverage to your doctors, prescriptions, and budget.

Darko Bozic · Answer

We feel that every Medicare beneficiary should have an insurance broker who will work with them. There is not a single downside to having a professional help you choose the right product. Brokers work with multiple carriers and can present you with many options. There is no cost to you. We will educate you, answer your questions and assist you with making your decision.

Robert Vitale · Answer

Working with a Medicare agent can be beneficial because they can help you understand the complexities of Medicare and choose the plan that best suits your needs, offering personalized guidance and assistance with navigating the system. Agents can also help you compare different plans, explain coverage options, and ensure you're enrolled correctly, saving you time and effort.

Tabitha Self · Answer

A licensed Medicare agent has completed extensive training regarding the Medicare program and plan options.  In addition, licensed Medicare agents are trained to work with individuals to determine their specific needs and desires for type & extent of coverage.  A licensed Medicare agent is an actual person, and not a "bot" or "AI" that could miss nuances of your specific situation.  It is important to review your Medicare plan annually to ensure your coverage is still the best option for you due to life changes or doctor changes that have occurred within the year.

Sterling Warmack · Answer

There are many reasons to work with a local Medicare agent, but here's some of my favorite reasons.

Having a local Medicare agent means they live where you live. This means when you're going through hardships related to the weather, the economy, or just heavy traffic... your agent can relate and advise you with the knowledge only a local agent can provide.

Having a local Medicare agent also means that you can meet with them in person. With so many spam calls of AI Representatives or people with heavy accents that you can understand, it's nice to know that your agent can sit down with you face to face and speak with you in an environment where they cannot only answer your questions clearly but they can also show you how things work and walk you through the enrollment process every year if you need it.

Having a local Medicare agent also means they're probably keeping the same hours you are. So if you have a problem at 12:00 in the afternoon your local Medicare agent is likely going to get your message at 12:00 in the afternoon and be able to answer your question before the end of the day.

The last thing that's so great about having a local Medicare agent means that they're not just a voice on the phone. When I find out my clients are going through a particularly rough time I like to drop something by their house to cheer them up and let them know that I'm there for them to help them with their Medicare needs as they Traverse a difficult situation. I'm always still available via email or text message or phone but I've had several clients Express how please they are that I'm local and have provided that one on one experience with that extra level of care.

Elenys Peraza · Answer

Working with a Medicare agent isn’t just helpful; it can be a game-changer, especially when you're navigating the maze of plans, benefits, and annual changes.

Theresa Furth · Answer

Working with a licensed Medicare agent means having a trusted guide; not just during enrollment, but year after year. We help you make confident choices, avoid costly mistakes, and stay covered with care that fits your life and the service is always free.

Juan Carlos Quevedo Lussón · Answer

Working with a licensed Medicare agent makes the process easier, safer, and more personalized. An agent helps you understand the different parts of Medicare, compare plans, and identify benefits that match your medical and financial needs. They also explain details like prescription coverage, extra benefits, and provider networks so you can avoid costly mistakes. Best of all, their assistance is free—you pay the same for your plan whether or not you use an agent. In short, an agent saves you time, ensures accuracy, and gives you peace of mind knowing you made the right choice.

Ricardo Sanches · Answer

One of the biggest benefits of working with a licensed agent and Broker, is the value proposition we bring to our clients. In my practice, I value the Broker/Client relationship. I am not just with my clients at the time of enrollment, but I am with them when they need me most. Whether that is navigating the complexities of Medicare, medical groups, referrals, pharmacy etc....I am there to guide my clients through it all. This is an added value that is inherent to working with a good Medicare Broker. Reach me for more guidance. 

Ricardo Sanches

Michael Ross · Answer

A licensed Medicare agent is required every year to recertify with all the Medicare carriers that they are licensed with.  We have to know all new rules, laws, regulations and current changes to Medicare and the Healthcare plans.  This is extremely valuable information for your healthcare.  We are also required to recertify our licensing with continuing education which is mandated by Federal and State law in order to provide you with healthcare.

Ted Sims · Answer

Why would you want to work with an agent like me? Simple—after 25 years in this business right here in Georgia, I've seen folks try to go it alone and end up frustrated, overpaying, or missing out on coverage that really fits their life. I focus on Medicare Supplements and solid ancillary plans (like cancer, hospital indemnity, dental, and short-term care) because that's where I can deliver the most real protection without the headaches of networks or restrictions. Here's why teaming up with a dedicated, independent agent makes sense:

Personalized fit for your needs — I don't push one company's plans. As an independent agent, I compare multiple carriers to match your doctors, budget, prescriptions (if relevant), and lifestyle. Plus, I specialize in those extra ancillary layers that protect against big surprises—cancer hits about 39% of us lifetime, hospital stays rack up hidden costs fast, dental keeps you healthy long-term, and around 70% of folks over 65 need some care support eventually. I own these same policies for me and my wife, so I know they work when it counts.

Expert guidance without the confusion — Medicare rules change every year, and the options can feel overwhelming. I break it all down plainly, explain the gaps in Original Medicare (like deductibles and coinsurance) so you can choose coverage that works for you, even if not with me.

Seyed Kamarei · Answer

Because agents get paid from the insurance carriers directly , not from individual clients. In addition, Medicare agents are licensed with many different carriers and can help find clients the best possible plan with most extensive coverage at the lowest cost.

Andrew Dooly · Answer

Working with a Medicare agent can make the process much easier. There are a lot of plan options, and an independent agent can help you compare plans from multiple companies to find one that covers your doctors, prescriptions, and fits your budget. If you work with a local Medicare agent, you also have the option to sit down in person, if you prefer, rather than trying to sort everything out on your own or over the phone.

Another big benefit is ongoing support. A good agent doesn’t just help with enrollment. They are there afterward to answer questions, review your coverage each year, and help if any issues come up down the road. The nice part is that there’s zero cost to work with an agent!

Steven Guiness, CSA · Answer

Answer to your question, You should work with a Medicare BROKER, who is and INDEPENDENT helper that represents most Medicare companies in your zip code.

The Brokers are paid buy the Insurance companies . a state regulated amount, which is basically, the same amount for all companies.

That means that the broker, will work for YOU, and find you the best coverage, that meets you individual needs.

The broker, will check your prescription drug list, and also your physicians, and ask some basic health questions to make sure that you are in a correct plan, where you will receive the most and best benefits for YOU.

Each Medicare beneficiary is treated as an individual case, whether an Advantage Plan, A Dual  eligible special needs plan  (Medicare/Medigap) a Chronic special needs plan or a Supplemental plan, What ever work best for the enrollee.    Steve Guiness CSA Certified Senior Advisor

Bill Holland · Answer

Medicare Brokers work with but are not employed by Insurance Companies.
Medicare Brokers work for YOU our Clients.

Medicare Brokers generally work with a number of Medicare Insurance Companies.
Medicare Brokers are able to better match a clients needs to a Carrier.                                            We can look into a number of different  Hospital and Doctor Networks.
Some clients require Special Hospitals and/or Doctors 
 
We can match your Pharmacy needs with Plan Formularies and explain Tier Levels etc.

Medicare Brokers will know about Special Medicare assistance programs for Clients.              
D-SNP , CSNP , LIS (Extra Help), Medicare Prescription Payment Plan, etc.

Sherita Joseph · Answer

Honestly, having a Medicare agent just makes your life easier. Medicare has a lot of moving parts, and the rules change every year. My job is to break everything down in plain English so you know exactly what you’re getting and what you’re paying for. I look at your doctors, your prescriptions, your budget, and your health needs, and then I match you with the plan that actually fits your life not just whatever pops up online.

You also get someone you can call anytime something changes or you get a letter you don’t understand. You’re not sitting on hold with Medicare or the insurance company trying to figure it out alone. I handle that for you and at the end of the day, working with an agent doesn’t cost you anything, but it saves you time, stress, and money. It’s like having a personal guide who makes sure you’re protected and getting the most out of your benefits.

Kelly Anderson · Answer

Working with a licensed Medicare agent gives you direct access to expert knowledge in the complex Medicare system. Agents can work with you to find individualized solutions to your unique circumstances.

Bridget Joseph · Answer

Working with a Medicare agent can make the entire process much simpler, clearer, and more personalized. Medicare has many parts, plan options, and rules that can be confusing to navigate on your own. A licensed Medicare agent helps break down those complexities into easy-to-understand choices based on your specific needs, budget, and healthcare preferences.

An agent can also save you time by comparing multiple plans across different carriers, explaining the differences in coverage, costs, and provider networks, and helping you avoid common mistakes—like missing enrollment deadlines or choosing a plan that doesn’t cover your prescriptions or doctors.

Additionally, a Medicare agent provides ongoing support even after you enroll. As your healthcare needs change, they can help you review your coverage each year, ensure you’re still in the right plan, and assist with any questions or issues that come up.

Best of all, working with a Medicare agent typically comes at no direct cost to you, making it a valuable resource for both guidance and peace of mind.

Sherri Beach · Answer

Working with a Medicare agent can save you time, reduce confusion, and help you feel confident in your healthcare decisions. Medicare plans can be complicated, with many options, costs, networks, and benefits to compare. As a licensed Medicare agent, I help simplify the process by explaining your choices in clear, easy-to-understand terms.

I compare plans from multiple national and local insurance companies to help you find coverage that fits your healthcare needs, prescriptions, doctors, and budget. I can also help you understand enrollment periods, avoid common mistakes, and review your coverage each year to make sure it still meets your needs.

Best of all, my services are completely free to you. My goal is to provide personal support and guidance so you can make informed decisions with confidence.

Judith Carney · Answer

Working with a Medicare agent does not add to the cost of the plans, but it does provide you with an expert who can review multiple plans and customize the best choice to fit your needs. Agents can save you time by gathering and presenting information on various plans, making the decision-making process easier. They help clarify complex terms and conditions, ensuring you understand your options fully. An agent will guide you through the process eliminating mistakes and insuring deadlines are met and the necessary paperwork is completed, avoiding costly penalties . 
After enrollment, an agent can assist clients with any needs that arise such as answering questions about benefits or assisting with filing claims. Your agent should be a reliable resource for you throughout the term and again during annual renewals, especially if your needs have changed.

Heather Johnson · Answer

Working with a Medicare agent removes the guesswork and ensures that you find the best plan at the best price.  Knowing whether Original Medicare or Medicare Advantage is the correct path and if the plan you have discovered is the correct one takes an expert eye.

Amanda Holder · Answer

The reason you should work with a Medicare Agent is because they are licensed, certified, and trained professionals to help educate you on Medicare plan insurance.  A Medicare agent can help you to assess your health care plan needs, discuss with your Medicare plan options, help you to enroll in the Medicare plan of your choice and help you with any challenges that you may have with using your plan as well as update you on changes to Medicare or your Medicare plan.

Troy Albrecht · Answer

There are many reasons it is advisable to get assistance from a Medicare agent, especially in regards to the various deadlines, knowing your options and filing everything correctly. 

However, let's say someone turning 65 or over 65 planning to retire soon does their research, knows when and how to enroll in Parts A and B and knows the types of carrier Medicare plans available. I would ask yourself the following:

1. Think of the most important and most costly health service you have utilized in the last 2 years. This could be a brand-name prescription, a knee replacement, Durable Medical Equipment, regular physical therapy visits or many others. 

2. Which type of Medicare plans covers that type of service best? For that plan type, which plan with which carrier covers that type of service best?

If you cannot answer those questions, a Medicare agent can.

There is no difference in the plans or costs whether you set things up yourself or with an agent.

Jonathan DuPree · Answer

Because there are so many different Care Plans out there it can become very confusing. So a Medicare agent like myself can narrow things down for you and find the best and most affordable plan possible. It just makes getting enrolled and finding a policy that best fits your needs allot simpler. -Jonathan DuPree _ DINCO Broker

Travis Helms · Answer

We have a clear understanding of the Medicare plans available in your area, and we can give you an unbiased look at all of your options. That way, you don’t have to jump from company to company trying to compare on your own. Medicare is highly individualized—what’s best for one person may not be the right fit for another—and our role is to help you find the plan that matches your unique situation

Michael Reardon · Answer

It is a lot easier to talk with an agent who has a vast amount of knowledge that can break down into simple terms to make it easier to understand. Medicare is constantly changing, and it is good to talk with an expert that stays on top of all of the changes.

Margaret Brown · Answer

An agent brings a personalization to the conversation. A good agent should build rapport and get to know you. Agents can be versed in 1 insurance carrier’s products or multiple Insurance carrier’s products. It is required for agents to conduct annual certifications that allows us to review and study products for the upcoming year.

Tetonya Lewis Charles · Answer

Save yourself time, energy, and brain work, quite simply.

Searching the plans can be overwhelming, even for a licensed agent, but this is what we do, and you don't have to pay us to do it for you.  By the time you finish going through all of these plans, you could have a headache! :D  Many companies, many plans, who covers what, your doctors, the features and benefits of the plans!  I'll go back to my first two words..... Save yourself!  

Yes, you could very well do it yourself, but there are so many more reasons that you should.  An agent will help you go deeper into the plan & find you some benefits you didn't know you could obtain.

Agent, Ms.T.

Vanessa McKinney · Answer

The main reason to work with a Medicare broker is because they have all carriers available for you. Also will assist you ensure your personal medical needs are met at lowest cost to you.

Manuel Sundiman · Answer

We have access to analyze different plans in a particular county with tools that only a licensed agent has

Daniel Neale · Answer

Working with a licensed Medicare agent can help make Medicare easier to understand and less overwhelming. An independent agent can compare plans, check your doctors and prescriptions, and help you find coverage that fits your needs — all at no additional cost to you.

Richard Allen · Answer

You should work with a Medicare Agent to stay abreast of the changes each year and ensure you are enrolled in a plan that is beneficial to you and your medical needs.  A Medicare agent can also educate you on additional benefits available in your area.

Bobbi Lincoln · Answer

You should work with a Medicare agent simply because they have access to multiple carriers and can find you the appropriate plan to match your needs

Jasmine McGehee · Answer

The biggest advantage of working with an insurance broker is that they aren't tied to just one company. Because they partner with multiple carriers, they can shop around to find the plan that actually fits your needs and budget, rather than just pushing whatever one specific company has to offer. It saves you time and ensures you get the best option available. They can also usually help with resources you might not know are available to you.

Brian Adelstein · Answer

Working with a Medicare agent is highly beneficial because it simplifies enrollment, offers personalized comparisons, provides lifetime claim advocacy, and costs nothing out of pocket. While you can enroll on your own via the government website, navigating the various options, premiums, and rules can be incredibly overwhelming

Rene Casanova · Answer

An experience Medicare agent will be there to help you in times of confusion, help with a claims issue, assist in changing plans during AEP, and answer any questions a client may have when the Member Services department wasn't clear to them.  We're local, and most importantly we have a fiduciary responsibility to help all of our clients any time they need us.

Vernon Pate · Answer

1.	A Medicare agent will help you find the best options for your healthcare.
2.	A Local Medicare agent is someone you can always talk to.

Shannon Brenneke · Answer

I always suggest working with a licensed Medicare Agent in your area as they have training specific to your location, and  expertise on the best options to fit your needs.

Angel Feliciano · Answer

Working with a Medicare agent can be beneficial for several reasons:

1. Expert Knowledge: Medicare can be complex, with various plans and options. An agent has the expertise to help you navigate these choices.

2. Personalized Guidance: They can assess your specific health needs and financial situation to recommend the best plan for you.

3. Time-Saving: Researching plans and understanding the details can be time-consuming. An agent can streamline this process and save you effort.

4. Access to Various Plans: Agents often have access to multiple carriers and plans, allowing you to compare options side-by-side.

5. Claims Support: If you encounter issues with claims or billing, an agent can assist you in resolving those problems.

6. Ongoing Suppor: Many agents provide continued support even after you enroll, helping you with any questions or changes that may arise.

7. No Cost to You:Typically, Medicare agents are compensated by insurance companies, so their services are often free for you.

Overall, working with a Medicare agent can simplify the process and ensure that you make informed decisions about your healthcare coverage.

Jennifer Dixon · Answer

Working with an agent gives you someone local that knows your area and the doctors, and which plans they are in network with.    Also, an agent gives you someone to call with your questions or any problems you may encounter.

Shaneathia Armstrong · Answer

Medicare can feel overwhelming, and that’s where an agent really makes a difference. I help you compare plans side by side, explain things in plain language, and make sure your doctors and prescriptions are covered without breaking your budget.

The best part? There’s no extra cost to you — and you’ll have someone to call year-round if questions or issues ever come up. I also review your coverage each year to be sure you’re still in the right plan as things change.

At the end of the day, working with an agent gives you peace of mind and saves you time and stress.

Gary Coleshill · Answer

Because you get advice from someone that has been trained in that area and taken numerous exams and tests and been certified by carriers & States to be able to clearly explain your options in what is a very confusing and complex situation. Yet you personally don`t pay them a penny. 
 By all means do it all yourself. But why would you want to?

Lisa Schaad · Answer

A good Medicare agent makes the whole process less overwhelming. Instead of you trying to sort through dozens of plans and rules on your own, an agent can explain your options in plain language, compare plans side by side, and point out things you might not know to look for.

The biggest reason, though, is support. Life changes, health needs change, and plans change every year—having an agent means you have someone in your corner who can review things with you and make sure you’re still in the right spot.

Kevin Price · Answer

Medicare agents can usually have a non biased opinion on which route to go. Rather than doing all the leg work on your own. You can leave it to a professional to do the heavy lifting.

Janelle Brown · Answer

Working with a Medicare agent can help by navigating the different types of Medicare plans and find a plan that fits your needs.

A Medicare agent saves you time, money, and stres by helping prevent mistakes that people often don’t discover until it’s too late.

In a Confusing System Medicare has dozens of plan options (Part A, B, C, D, Medigap). Rules change yearly. As an agent I keep track of updates.

Donna Hernandez · Answer

It is always good to have a local agent because we provide on going support with finding in network providers, annual reviews with your plan, understanding new benefits, billing issues, long term relationships just a few of the value added services to having a local agent.

Dawn Lathe · Answer

You will receive personalized quotes, help with navigating options, and get support after you enroll, all at no extra cost to you.

Amine Amraoui · Answer

A licensed Medicare agent provides personalized guidance to help you make informed decisions about your healthcare coverage. Instead of spending hours comparing plans, I handle that for you — ensuring your doctors are in-network, your prescriptions are covered affordably, and that you don’t miss out on any extra benefits you qualify for.

Best of all, my services are completely free to you. Agents are paid by the insurance carriers, so you get professional assistance without any added cost.”

Cindy Hoppe · Answer

Working with a Medicare agent ensures you get clear guidance through complex choices, avoid costly mistakes and penalties, and secure the plan that best fits your health and budget - all at no extra cost to you, with ongoing support whenever your needs change.

Charles Wimmer · Answer

1) I am a Medicare recipient as well as an Agent/Broker
2) I will treat everyone I work with in all areas just like I want to be treated!

Aubrey Prince · Answer

You will benefit from working with a Medicare agent in many ways. You'll have a go-to person to keep you up to date on any changes that take place that affect your coverage. You have someone else looking out for your bottom-line, helping you save the most money. A Medicare agent is more than an advisor they'll become your friend, someone you look forward to catching up with. Some of my clients tell me they love me, we've known each other for years. They appreciate that I always have their best interest in mind and help them navigate the insurance world without them having to learn everything I know!

Dismery Gonzalez · Answer

Medicare agent can help you understand your options, compare plans, avoid mistakes, and get the best coverage for your needs — all at no cost to you.

Ranjit Badhan · Answer

Medicare agent is experience in his field and is able to explain the benefits of the plan which is most suitable to your needs. Agent work in the best interests of the clients and a true friend to help the client.

Cynthia Haworth · Answer

Because We know the answers to the questions.  We have the experience & knowledge for complicated situations.  We know all the Special Election Periods.

Brooke Smith · Answer

A Medicare Agent can give you clarity and confidence while navigating your Medicare options. Medicare can be confusing, so a knowledgable agent is always good to have in your corner.  A good Medicare Agent will also be there for you year round to answer questions, help you compare plans based on your unique doctors, prescriptions, and bugdet,  assist you with claims, and help you understand how to use your benefits. 

Having a good agent means that you don't have to figure your health insurance out alone. I am here to help you find answers and understand how you want to handle your health insurance on a personal level.

Stephanie Floyd · Answer

A good Medicare agent gives you clarity in a system that isn’t always clear. Medicare has a lot of moving parts, and things change every year — drug lists, networks, premiums, and rules. An agent helps you understand what those changes actually mean for you, not just in theory.

Most people don’t realize how many decisions they’re expected to make on their own at 65. Having someone who can explain things in plain language, look at your doctors and prescriptions, and help you avoid surprises makes the whole process feel a lot less overwhelming. It’s really about having someone who advocates for you, year after year.

Zachary Montgomery · Answer

Medicare will often be unique for each individual family, both when it comes to rights and options as well as suitability. It also has some rules and constraints that can be convoluted or counterintuitive. A quality agent will have been exposed to lots of these unique situations and be up to date on changes in the regulations as well as trends in the overall Medicare landscape to help their clients avoid pitfalls, penalties, and higher costs. These rules can change after you have enrolled in Medicare. These changes may or may not affect you, but your agent will be aware of them and usually be ready to help you respond - often before you know there’s a problem.

Jason Kirschner · Answer

Deciding on the right Medicare Plan can be overwhelming. This is where a licensed Medicare insurance agent becomes invaluable. They bring expertise and personalized service, ensuring you understand your options and choose the right Medicare insurance plan for your needs.

Jason York · Answer

By having a trusted agent on your side you are NOT alone! A knowledgeable agent will be able to answer any difficult questions you may have, navigate and explain the different options(Medicare companies/plans) that you have to choose from. 

Also by having a trusted agent on your side, I'm there to review changes every year, answer any questions  or concerns you may have throughout the year and ultimately ease the burden of knowing what's best for YOU, not the companies. 

A great agent is always ahead of the game and informs their client base of any changes, so you can leave the worrying up to me!

 Best part is it's FREE!

Randy Sanchez · Answer

I believe you should work with a Medicare agent for several reasons, and I'll name a few:

WISDOM - Anytime I am looking into something new I usually find it beneficial to consult with someone more experienced. Why? Because they often have more insight into valuable considerations that I might other wise not think about. Likewise, an experienced Medicare Broker/Agent may add valuable insight that aids in making a wise and intelligent decision that effects you personally. 

RELATIONSHIP - Clients often express how pleasant it is to have an agent that communicates and gets back to them. This is good because when you need guidance the most it is there. 

PEACE OF MIND - Medicare decisions are not a once and done ordeal. This is a constance journey, and one you can rest comfortably in knowing you have someone that knows your situation and can help guide you year after year. 

I hope you find this helpful.

Megan Day · Answer

An independent agent can determine what is the best plan for you. Everything depends on what your health goals are. An independent agent works with multiple carriers to ensure that you are on the best plan. They develop a 1:1 appointment with you, and they listen to your needs. They do not push you into a plan instead they discuss your needs and see what works best for you!

Otumdi Omekara · Answer

Here are the main reasons why working with a Medicare agent can help you:

 1. Guidance Through a Complex System

Medicare has multiple parts (A, B, C, D), plus Medigap supplements.

A good agent explains the differences in plain language so you know what fits your situation.

 2. Plan Comparisons Made Easy

Agents can run side-by-side comparisons of Medicare Advantage, Part D, and Medigap plans.

They’ll point out things ads don’t always highlight — like doctor networks, prior authorizations, and out-of-pocket costs.

3. Personalized Recommendations

Instead of just looking at “average” benefits, an agent considers your doctors, prescriptions, travel needs, and budget.

That means you avoid the trap of picking a plan that looks cheap but won’t actually cover your real needs.

4. Help Avoiding Mistakes

Common pitfalls:

Missing the enrollment deadline

Picking a drug plan that doesn’t cover your meds

Thinking you can switch anytime (you usually can’t)

An agent helps you sidestep these costly errors.

5. No Extra Cost to You

Agents are paid by the insurance companies, not by you.

Whether you sign up on your own or through an agent, your premium is the same.

6. Ongoing Support

A good Medicare agent doesn’t disappear after enrollment.

They can:

Help if you have claim issues

Check each year if your plan still fits

Alert you if a better option comes along during Open Enrollment.

7. Local Knowledge

National ads don’t tell you which doctors or hospitals in your area actually take a plan.

Local agents usually know which providers are reliable and which plans have hidden hurdles.

Bottom Line:
Working with a Medicare agent saves you time, stress, and costly mistakes, and gives you a real person to call if something goes wrong.

Christopher DiBiase · Answer

You would want a broker over an agent as as broker has more carriers to offer where an agent has just one they can work with. With a broker we are trained directly from the carriers yearly on their plan changes from pricing to coverage and prescriptions.

Nkechi Nwankwonta · Answer

Working with a licensed Medicare agent means getting help that’s personal, not generic. An agent takes the time to understand your health needs and helps you find a plan that truly fits you. Many call center reps have little to no real Medicare experience, they’re often reading from scripts. An experienced agent, on the other hand, provides specialized guidance tailored to your doctors, prescriptions, and budget. You also get year-round support for any plan questions or changes. And the best part? There’s never a cost to work with an independent agent. It’s having a somewhat personal relationship with a product expert.

Vernon Douglas · Answer

You shouldn't, instead you should work with a Medicare broker who is not dedicated to sell for one company but is certified to sell for many different companies. A broker can shop for the lowest cost plans for you as an individual based on doctor networks and prescriptions.

Ricky Rash · Answer

There are several -- first, you are working with someone who goes through rigorous training and certifications every year to stay current with all of the changes to both Medicare as well as the various products, from Advantage plans to Supplemental options, dental/vision, etc.  Second, most agents represent a variety of plans and do not have a bias towards any particular provider or product.  They are usually paid a direct commission from the insurance company and not from the consumer, and those commission are regulated by CMS.  Every agent has a fiduciary responsibility to the consumer and must put their needs before themselves.  Finally, working with a Medicare agent relieves the consumer of having the burden of sifting through endless marketing and educational materials that can sometimes be misleading or simply too confusing.  A good Medicare agent can explain things in a manner that is clear, concise and informative, leading to a clear decision for the consumer.

Zenaida Rivera · Answer

There are many reasons that you should work with a Medicare Agent.
The first one is that he or she can explain step by step what you should know about 
Medicare Basis.  He goes to explain you all your doubts or questions, he goes to search the
plan that filled out all your needs. Also, he or she goes to looking for your Extra Needs that can be applicable for you.

In some situations, the agent looks other links to cover your needs. They can help you to sign up
in your portal Carrier in order, you can see all your transactions with your providers, payments, summary of benefits and much more.  The agent will be with you in any situation, concern or inquiries that you could have.

Yadira Son · Answer

A Medicare agent helps explain your options in simple terms, answers your questions, and helps you choose coverage that fits your doctors, medications, and budget. You don’t have to figure everything out on your own.

You will get the following benefits as you work with a Medicare agent: 
You get personal, one-on-one help
You save time and avoid confusion
You have ongoing support if questions come up later.

Adam Richter · Answer

The reason you should work with a medicare agent is to get advice from a licnesed insurance professional who knowledgable on various plan selections,  and experiencee in the enrollment process, at no cost to the individual.

Bonnie Beliveau · Answer

Medicare is confusing and working with a Medicare Agent gives you a NO cost resource to educate you on how and when to enroll in Medicare, what paths you can take to mitigate the unlimited 20% that Original Medical doesn't cover and then assist you with finding the best plan available at the lowest possible cost to meet your individual needs.  In addition, you can reach out at any time with questions about your benefits, help with claims, additional coverage where you feel you may have a gap.  I income qualify every person high (and help with IRMAA questions and appeals) and low (and help with LIS and Medicaid applications).  I also review your plan with you every AEP to ensure that you are still on the best plan for you.

Michael Murray · Answer

Medicare agents are appointed by many carriers, and after assessing your needs can help you select the best Medicare plan that will help cover those needs.

Jeffrey Brucculeri · Answer

Agents must go through training every year in order to certify with Medicare and the local insurance carriers. These agents become very knowledgeable advisors who are able to assist Medicare beneficiaries. The annual training and the bi-annual continuing education, make someone like me an expert when it comes to Medicare and the plans available in our area. Plus, if you have an issue, your local agent is there to assist you; not someone sitting in a phone room in another country.

Clarence Davis · Answer

Everyone's situation is different and unique. Talking with an experienced Medicare agent allows you to receive advice tailored to your situation.

Mirian Mercado · Answer

Save time comparing plans
Understand your Medicare choices 
Find plans that fit your doctors and prescriptions 
Get help with enrollment deadlines 
Ongoing support and review of coverages 
Understanding costs beyond premiums

Angela Tapp · Answer

I firmly believe a Medicare agent should be a true partner, not just someone selling a policy. Navigating Medicare involves many complex variables, especially when you are newly eligible. In fact, you will never have more plan options than during your initial enrollment window, making expert guidance crucial to getting it right from the start. A dedicated agent helps you explore every option to find the perfect fit for your health and budget. Conversely, relying on advice from unlicensed sources works against you and can ultimately cost you dearly.

Brian Maiz · Answer

The short answer is that it costs you nothing but what you gain is everything. My services are 100% free and while some parts of Medicare may seem straightforward, other parts not so much especially around penalties, specific deadlines, formularies, chronic conditions, financial help etc.  Plus, having the wrong plan could cost you real out of pocket pain. 

The other aspect to it is that a plan which works perfectly for your neighbor or even a spouse may be completely wrong for you. Your lifestyle, doctors, your prescriptions, your budget are all unique and your coverage should reflect that. 

As an independent broker, I'm not tied to any single carrier. I take the time to understand your specific situation and shop across multiple plans to find the right fit for you!! 

I'm not here just for enrollment. When a billing issue comes up, when your needs change, when it's time to review your coverage each year, I'm a real person you can call or meet in person and always have your best interest at heart.

Danielle Moody · Answer

Ypu should work with an agent because we can make sure all of your providers are in network, we can work with the insurance company for any claim related questions.
We also work with multiple insurance companies so we can make sure you are getting the best plan with the best benefits for your situation.

Johnnie Jeter · Answer

It is essential to work with a Medicare agent to gain clarity of your benefits and learn how to choose the plan that is most beneficial, and works for you. Learn about important dates that will allow you to make changes if you need to, also to see if you qualify for extra help.

Marshall Orenic · Answer

You should always work with someone who is trained and certified to help with Medicare.  As an agent, it is my job to ensure that you sign up correctly and understand what your out of pocket costs, premiums, coverages and much more.

Julius Baradas · Answer

You are free to sign up to a Medicare Advantage or supplement on your own.  Either from the insurance carriers or directly from Medicare.gov.  But if you have question you will spend a lot of time on the phone with a Medicare agent or from the insurance carriers.  They might you a short answer.  If you work with an agent they will try the best to service your needs.  And their service to you is free.  They are paid directly from the insurance carriers.

Michael Waldron · Answer

A Medicare agent helps you understand your options and avoid costly mistakes so you can choose the coverage that best fits your needs. They also provide ongoing support at no cost, giving you peace of mind every step of the way.

Terri Curcio · Answer

Working with a local independent agent, will allow you to review the plans available in your county.   You need each year to select Medicare options to serve you financially and with access to your preferred providers!

Skye Edwards · Answer

Working with a Medicare **Broker** is extremely valuable for many reasons, but I'll offer my top two. 

First, when you work with a local broker, you get an unbiased opinion on the various plans available. Some things may look good on paper, but not work the same in reality.  Some plans boast of extraordinary benefits, but they truthfully do not work for everyone. 

Second, working with a local broker gives you real customer service. My clients have exclusive access to top-tier customer service without the wait. They know they will get the answers they are looking for in a timely manner without having to go through the wringer. 

**Bonus Answer** When you work with me, you actually know who you are talking to -- a real-life, honest guy, here to help guide you through all your insurance needs.

Jose Silva · Answer

Medicare is very confusing and using an Insurance agent can help you better understand all the different types of medicare plans and pros and cons...
There is no one size fits all insurance plan and all clients have different needs and with an agent he can find you the best plan available by having access to different carriers like, aetna, united, humana and others.

Calinda Young · Answer

I believe it is critical to work with a Medicare agent so that members/clients have their questions answered fully when navigating all the benefits of a plan.  The language can be confusing and with the constant changes, agents can be held responsible to do their due-diligence for their clients.  I also service client claims throughout the year so that the member can rest after a major health event and not spend all day on hold trying to get an answer or need to retell the same scenario over and over when being transferred.

Maxine Rosen · Answer

-You will have "Personalized guidance": An agent will assess your individual health status, prescriptions, and budget to recommend a plan tailored to your specific needs, not a one-size-fits-all solution.

-An Agent has "Expertise and education": We can clarify complex Medicare terms, explain plan benefits like prescription drug (Part D), Medicare Advantage (Part C), and Medigap plans, and help you compare options from different insurance companies.

-An Agent has "Access to a wide range of plans": Independent agents have contracts with multiple insurance carriers, allowing them to present a variety of options and help you find the best coverage without a bias toward a single company.

-You can  "Save Time": We do the research for you, sifting through numerous plans to present you with the most suitable choices, which can save you significant time and effort.

-You will have "Ongoing support": An agent can assist you throughout the year with understanding your benefits, navigating claims, and with any other questions or changes that may arise in your circumstances.

-Give yourself "Reduced stress and increased confidence": We help alleviate the stress of making a critical healthcare decision, providing reassurance and clarity so you feel more confident in your choice.

Al Bernotas · Answer

Nothing is free in this world. Agents/brokers are paid commissions by the insurance carrier when you allow them to submit your application to an insurance carrier. Your premium, if any, is never increased by working with an agent/broker, and you are not obligated to use the agent/broker to submit your application. If you trust and like working with the agent/broker, you will want them to get paid for their assistance. That's human nature.

Agents/brokers generally have life experiences that they can share with you that will generally help you make a decision that is in your best interest. You can always conduct the investigation, research, and enrollment on your own, but two heads are generally better than one.

Elijah Ridley · Answer

There is so much information that goes into truly understanding Medicare. Even after hours of using Google, reading your Medicare booklet that gets sent in the mail, and other self study, you may end up more confused than when you started. Working with a Medicare Agent allows you to spend a minimum amount of time to have top recommendations to fit your health needs based on their years of experience. They studied hard so you don't have to. Ask any and all questions you have, so you can get straight forward answers that are easy to understand. This way, you can be confident in the plan you sign up for.

Jeff Linabary · Answer

Working with a Licensed Insurance Agent at not cost to you can help provide you the valuable information about plans that fit your needs.

Elizabeth Holly · Answer

Local Medicare agents are aware of the community dynamics in your area. We know the doctors, pharmacies, and any special tips or tricks you may need to get the very best care you deserve.

Diondra Newton · Answer

Working with a trustworthy and reliable Medicare agent helps take the hassle out of finding the best Medicare plan for you, whether it be a Medicare Supplement or Medicare Advantage option.  Medicare agents have the expertise to help you navigate potential challenges that may come with navigating Medicare costs, networks, requirements and more. Working with an agent gives you confidence and peace of mind.

Hunter Klaassen · Answer

I believe the value of an agent is having peace of mind that you are understanding your coverages. Also, a big thing is avoiding lifelong penalties from not doing things properly. In most ZIP Codes, there are many different plans available and that could be overwhelming if you are not doing it every day. I think another big thing is being able to call someone if you have questions in the future. And it’s free It can’t hurt.

Jackie Welch · Answer

A Medicare agent is going to be able to walk you through the various Medicare options and plans available in your area. Rather than scrolling through a list of plans and picking the one that feels right, a Medicare agent will be able to help you locate a plan that supports your unique circumstances. Your neighbor’s, best friend’s cousin may swear by a particular plan, but if that plan doesn’t cover your medications or include your doctors, then it’s not going to be helpful to you. A good Medicare agent is someone who listens to you, educates you, and shows you the options available so that you can choose the one that works for you.

Michelle Turner · Answer

It's better to work with a medicare agent due to health care changes all the time. Medicare can be confusing and there are certain rules and guidelines you may not understand. Working with an agent will help eliminate any confusion and provide additional support to ensure you choose the right plan to support your health care needs.

Nydia Flores · Answer

A Medicare agent has a better understanding of the plans they contract with.  The agent receive up-to-date information on changes taking place within the plans and the healthcare industry. These updates give the agent the availability to best advise the client.

Aaron Young · Answer

Medicare can be very confusing for most people and mistakes can be made.  It is always best to work with a seasoned professional insurance agent who can help you navigate the confusing maze of Medicare.  Also, we don't charge you the client anything for our consulting services and are paid by the insurance carriers.

Josh Vojtush · Answer

Utilizing an agent or broker while on Medicare can help you navigate not just the insurance options, but answer other questions pertaining to the process, costs, potential penalties, and more. Your agent should be available to answer questions and support you throughout your time on Medicare, at no cost to you.

Daniel Young · Answer

A good agent is your local advocate and should always be accessible to you.
A good agent should always have your best interests at heart.  A tele sales agent is not going to be dedicated to you.

Eric Palmer · Answer

The reason you should work with me as your agent is because I take the guess work out of Medicare. I’m very consultative and can educate you. I take pride in knowing the minutia of it all. Medicare is one of the things I do, but I’m more of about protecting your assets.  From health to wealth.

John Ward · Answer

Agents offer personalized advice, access to multiple plans, and can simplify the Medicare enrollment process. Agents can also help you understand your coverage options, potentially saving you time and money.

Marie Smith · Answer

You should work with a Medicare agent because an agent will simply a confusing process. An agent will compare all of your carrier options and offer ongoing support.

Barb Koch · Answer

Finding a Medicare Broker to educate and help explain the complexity of health insurance would help take the stress and confusion off your plate.  Be sure to talk to someone that is willing to listen to you and find a plan that fits your needs.

Maureen Breslin · Answer

A Medicare insurance agent helps you understand and compare your Medicare options and enroll in the best coverage for you. You can find a Medicare plan on your own, but working with a Medicare advisor can save you time and money. There is no charge to you to work with a Medicare agent.

Leonie Dawkins · Answer

They are licensed, trained and prepared, to talk to clients about Medicare services. They can also assist you to choose the best plan for your healthcare needs.

Alexander Valencia · Answer

Medicare is a very complex subject, with many different aspects involved. You want to make sure you are working with an expert that will help you make a more informed decision, taking into account all the different angles of it. It is no different than working with an expert on any other important decision in your life

Mercedez Hartline · Answer

Working with a Medicare agent is a great way to get face to face with an agent locally, to have them find a plan that works best for you and your needs. You then have access to them for all your questions in the future and they can meet with you in your home to really be able to understand what it is that you need.

Maria Pantall · Answer

Medicare agent helps you compare plans, check your doctors and medications and find the best coverage for your budget. NO EXTRA COST to you.

Shawn-Marie Carmona · Answer

Medicare can be confusing.  Working with a Medicare agent can remove the confusion.  I can take the time to explain your options, check your doctors and medications and make sure you're not missing benefits or savings you may qualify for.  There's no extra cost to work with me and I'm here year after year to help as your needs change.

Christine Vassar · Answer

A Medicare agent typically has a good understanding of the plans in your area and can help find the most appropriate plan for you that works well with your needs and your budget.

Trevor Nahodil · Answer

Medicare can be difficult to navigate for some and we are here to help others we take extra training making sure we are compliant with CMS. I also recommend checking your plan every aep just to make sure it still works for you Medicare is by far not a one size fit all type thing.

Veronique Kasbarian · Answer

You have your own personal Licensed Agent , not having to deal with someone in another country or a call center.

Casey Peterson · Answer

Working with an independent Medicare Agent allows you to get unbiased answers to your questions. I have been helping people with their Medicare options and questions for more than 15 years. Me and my teams job is to be a resource to my clients before, during, and after we help them with their plan options.

Joley Hanson · Answer

As a licensed agent specializing in Medicare, I offer a personal one on one experience. Answering questions in person face to face or over the phone, I am local and work with local individuals to help find the best solutions.

Lawanda Radford · Answer

Working with a Medicare agent can make things much easier—they help you compare plans, find the best coverage for your needs, and make sure you’re not overpaying. Plus, their help comes at no extra cost to you!

Blake Beecher · Answer

1.	As an independent broker, I can sign you up for ANY plan you choose without affecting what you pay.

2.	If you sign up without a broker, you will rarely, if ever, get to talk to the same person twice.  If you use me as your broker, you always have the same person, who knows your background and where you can go when you have questions.

3.	Because I represent EVERY major Medicare Insurance company in Lincoln County, I can recommend the best choice for your situation.  If you go directly to an insurance company, they will NEVER tell you if there is a better choice outside of their own organization.  My loyalty is to my clients, NOT to any particular insurance company!

4.	My service is FREE.  I am paid a commission from whatever company or plan you choose, and that commission does not affect your monthly premium.  (And insurance companies like to use brokers because then they don’t have to hire so many employees.)

5.	Every year, during Open Enrollment, I send a calendar and reminder to all my clients to call me so we can make an annual coverage review.  If your plan is still good, I will tell you not to make any changes.  If your plan is no longer competitive or does not perform well, I will help you change to a plan that does.  If you go directly to an insurance company, they will not provide you with this service.

6.	I’m a Montanan!  I speak English!  If you simply call an insurance company to sign up, you’ll likely be talking to someone in New Jersey, India, or the Philippines, NOT to someone in Montana.

7.	Instead of talking to someone in their 20s or 30s, who has no Idea what it’s really like to be on Medicare, talk to me!  I’m on Medicare myself.  I understand our generation, and I have over 30 years of insurance experience.

Michele Spencer · Answer

Agent bias. If an insurance company employs an agent, he will have a bias.  In most instances his employer is the only plan he can represent/sell.  And that plan may not be the right one for  you

Muriel Evans · Answer

Expert guidance 
Personalized plan comparisons 
Access to multiple carriers
Annual reviews
Cost-free service 
Local advocacy & support

LeAnn Pedersen · Answer

Because we tend to reach out yearly to our clients to ensure they are still on health plan that fits both their needs and their budget.  We care that you are in the best possible health plan.

Deborah Krump · Answer

An agent will have the training and knowledge of the plans, the networks for each plan and the experience of reviewing drug coverage.

Karen Manning · Answer

A Medicare agent is licensed to sell Medicare plans - they have been trained and completed numerous types of certifications that confirm that they understand Medicare.  They are able to recommend suitable plans to an individual based on their needs - always making sure that they are in compliance with insurance regulations.

Ciriaco Gelera · Answer

Very beneficial because Medicare Agent act as your personal guide through the very complex world of Medicare plans. Top reasons why you should working with one are as follows: Expertise and Simplification, personalized and unbiased plan comparison, Cost savings potential, and ongoing support.

Joseph Timreck · Answer

Working with a Medicare agent means you’ll have access to an individual who is licensed by the state. They’ve also completed their annual Medicare compliance training. So they are educated in the different plans they offer. Medicare agents give you access to a number of different options and you don’t have to worry about long hold times like you would when calling an 800 number.

Oscar Molina · Answer

I am Oscar Molina and as a agent I can answer your questions and guide you to choice the right plan for you. Not all plans fit everyone. My services are at no cost or obligation and this takes the pressure off of you.  I can also explain the major parts of Medicare in a simple and easy way to understand, which is truly important.  If I don't know the anwer to a question I know where to find the resources to get you an answer in a timely manner. My philosphy is the beneficiary is the important one and this guides my intentions.

Sherri Haskell · Answer

Reasons for working with a Medicare agent or broker? Unfortunately, this industry and the landscape of options, stipulations, conditions, and eligibility periods are not only confusing but are constantly changing. 

If you are working with a dedicated agent, they will know you personally, your family, and special situations, offering services and extra benefits that you may not otherwise be aware of. 

And this is FREE to you! The agent should never charge a fee, as the Agent is compensated by  the industry carriers and agencies. Take advantage of this valuable service with someone who you trust and who will stay with you for years!

George Barkley · Answer

There is typically no charge for working with a reputable agent.  Most have years of experience to help guide their customers through a complex web of rules and product choices.  They are up to date on industry changes and have their customer's best interest at heart.  There's no need to 'go it alone' when the only thing the conversations will cost you is your time.

Jack Havice · Answer

We navigate the different options and plans you are able to go on with you. We don't charge for our service as we are paid from the carriers. We also make sure to update you annually whether your plan will work for you in the next year during the annual enrollment period.

Gisele Salas · Answer

Medicare Asians, will you advise you and have the knowledge to find the best plan for you with the right coverage based on your needs

Laurie Baumgartner · Answer

We will be able to better predict your out of the pocket costs.  

and give you the Pros and Cons of the numerous plans available to you.

Daniel Salzman · Answer

Signing up for Medicare can be a process and having a licensed agent with you to help answer and navigate the process.  Also there are penalties that an agent can avoid and help guide through

Margaret Winter · Answer

Medicare agents have the certifications and expertise to guide you along your individual Medicare journey.  Enrolling in Medicare can be a completed process to navigate on your own and having an agent advisor to guide you through the nuances, especially at no cost to you, can give you peace of mind that you are reviewing all of your options and making the best-informed decision.

Jessica Yen Le · Answer

A Medicare agent is licensed expert who listens, understands your needs, gives you professional advices regarding yourv  specific situation, because your serenity is my priority.

Rick Ried · Answer

Medicare agents are very highly trained in Medicare and the programs offered by insurance  companies and other providers.

Their services are mostly offered at no cost to Medicare clients and can be invaluable to Medicare recipients. 

Your local Medicare agent is knowledgeable about local conditions and options to help you maximize your earned benefits.

Brandon Brown · Answer

There are several reasons you might want to work with a Medicare agent. The first is probably the most obvious: Medicare is really complex. It has several different parts—most people know about Part A and Part B, but there are also Parts C and D—and a huge number of plans. You cannot get through all of this successfully without some professional help.
Agents serve a second function: they allow for comparisons to be made of the plans offered by the various insurance companies. They help you to see the ways in which the plans differ and are similar in a manner that makes for a more straightforward selection of an appropriate plan. This is no small feat, given that the plans run into the hundreds if not thousands, when one considers all the variations, not to mention the kinds of eliminatory quirks and features that some of the plans have.
Besides, having agents is darn important if you want to avoid penalties for not being covered. Agents make certain that you sign up for the right plans and that you do it on time. They are very supportive and almost always present in your life; in fact, they review your plans annually and with a lot of attention to any changes in your health that might direct you toward a different option in the future. All in all, you are way better off with plans that an agent helps you with.
Additionally, agents help in solving claims and billing issues, acting as arbiters to settle any disagreements that arise between you and your insurance provider. And often, their help comes at no charge to you: they earn their pay from the insurance companies, not from you, so they don't add to the cost of your insurance.
The regulations that oversee Medicare are frequently made to change, and having an agent means you don't have to keep current on those developments; they do that for you. To sum up the pros: you save time, you save some money, you save a fair amount of anxiety, and the way of working with your health coverage is just clearer and less cloudy.

Roberto Alvarez · Answer

You want an agent with a primary goal of looking out for your best interest so with that in mind i like to do a need analysis for my client and then inform them of their options. I will make my recommendations but my client will always make the choice. Finally i will always keep my client informed of new options and be available to them.

Cassandra Mancuso · Answer

Working with a Medicare agent really saves you time, stress, and potentially a lot of money. We help you compare all your options – original Medicare, advantage plans, Medigap and drug plans – so you don’t miss out on coverage or pay more then you need to. We know the deadlines, the fine print, and how to avoid costly mistakes like late enrollment penalties. Best of all it doesn’t cost you anything extra to get expert guidance tailored to your specific health and financial needs.

Fawn Alfaro · Answer

Working with a Medicare agent allows you to have personalized guidance at no additional cost to you. Medicare agent's can help you understand and compare your Medicare options and enroll in a plan that meets your needs.

Christie Adcock · Answer

Medicare agents go thru extensive certification to stay abreast of the ever changing landscape in the Medicare space regarding trends or changes in carrier plans. They are usually first to know which plans offer more benefits to fit a policyholders needs.

Lynn Hapke · Answer

An Agent or Broker will know what plans are available in your area and can help tailor a plan that meets all of your needs.  They are required to maintain annual certifications with CMS (Centers for Medicare & Medicaid Services) and the carriers they represent so that they will have the most up-to-date information on the options available to you. And there is no cost to you to work with an Agent!

Eileen Falk · Answer

To hopefully make the transition into Medicare be painless.  When I work with my clients at the end of the journey I normally hear, WOW that was not as painful as I expected, you made it so easy.  The education, thoughtfulness and time your provided put my mind at ease.  

The "maze" of the journey is made easier by a person that can guide you and assist.

Dawn Gonsoulin · Answer

Medicare is a complicated system with many moving parts and can be confusing for individuals.  If not setup correctly from the beginning, it could cost the individual more money than is needed to be spent. Medicare agents/brokers are licensed individuals. They are required to train and test with the Federal government and all the carriers they represent.  They understand all the ins and outs of the Medicare system and can guide you to make an informed decision.  They can help you determine if you qualify for certain programs in your community.

Zachary Swiger · Answer

Working with a Medicare Broker such as myself can be beneficial because we represent you, our clients, with the insurance companies. Year over year we can evaluate your plan, help you find the most appropriate coverage and you don't lose your 'Insurance Guy' when you change policies or companies. We provide FREE expert advice in a field that is complicated, we do this every day which means we know what to look for and what questions to ask in order to find the most appropriate coverage, some of these things often get overlooked by individuals who make plan selections on their own.

Todd Hassard · Answer

Working with an experienced agent can help you navigate the complexities of Medicare and the plans that can help fill in the gaps.

Monica Gardner · Answer

Working with an agent allows you to look into multiple options at one time to compare plans and not only gives you the benefit of guidance from an expert but also allows for personalized help and support. Also cost effective.

LaNeice Baker · Answer

My goal is to get you to your goal. You let me know what your want to achieve and I will give you the best advice to get there. You have questions on getting the best price for your prescriptions, which plan gives you that?  Which Part C works best with your lifestyle.  You can see all these plans and hear from your friends which plan they have or seen on tv. but that doesnt always means its the best plan for you. Thats what we discuss. No one wants to have to pay for something they dont use or understand. I help with that.

Mark Shipman · Answer

An agent is well versed in the plans and benefits available from local plans to fit your needs, and will help you locate a plan and make sure all your needs are being met.

Arlene Arkin · Answer

An independent broker works for you not a particular company and hopefully will help you find the right product or products that fit your needs versus either trying to do it on your own or working with an agent who only deals with one company.

Wayne Victor · Answer

A Medicare agent helps you understand all your plan options, ensuring you choose coverage that fits your health and budget needs. They also handle enrollment details and ongoing support, so you avoid costly mistakes and get the most out of your benefits.

Katie Wik · Answer

Agents are a great resource for information. They take the guesswork out of Medicare, so that you can be assured that you are being enrolled correctly, and in the right policy or plan that works for you. There is no extra cost to you as a beneficiary. Agents and brokers need to go through annual testing and trainings to also keep up with Medicare changes that frequently happen, so you don't have to. 
They are a "one stop shop" resource for all of your questions and enrollments each year, and throughout.

Kerry Fletcher · Answer

Working with a licensed Medicare agent or broker such as the brokers at Fletcher Financial Insurance & Consulting Services, LLC can help you navigate the complexity of the Medicare program, receive personalized plan recommendations, avoid potentially costly enrollment mistakes, and provide ongoing support, all at no extra cost to you. Sometimes an agent only represents 1 carrier whereas a broker represents several different carriers and can compare many different carriers and their plans giving you a wider choice of options.

Rowena Ndagha · Answer

A senior should work with a Medicare agent because an agent helps them understand the available plans based on their needs and makes the enrollment process easier and less confusing

Edward Carpenter · Answer

My answer will be unusual. I hold 11 licenses with 36 years of experience. So, I have a very rounded view of people, their finances and how it all fits together. 
Still, even a new Agent will be trained to see a rounded picture of each customer’s unique situation. And these days, with numerous commercials promising amazing benefits to all who are watching, phone and email scams, etc. if you’re not an expert in Medicare, you need to work with one.

Rudo Loock · Answer

Agents act as a guide who understands the system based on experience in the field which simplifies the process. Agents also have access to tools that most people don't to help shop and find a plan that suits your needs

Ida Washington · Answer

I believe it’s extremely important for seniors to work with a local agent who can guide them through the complexities of the Medicare system. Building a strong rapport allows the agent to help seniors feel comfortable, informed, and confident in choosing the plan that best meets their needs.

Collin McCoy · Answer

To receive unbiased advocacy at a no cost to you Expert Guidance, getting a personalized approach by having the agent pick the best plan for you based on your own doctors and medical needs.

David Morris · Answer

Working with a local Medicare agent makes things a lot easier because you get personalized, one-on-one help from someone who understands the plans available right here in your area. I can make sure your doctors, prescriptions, and hospitals are covered, explain everything in simple terms, and be available if you ever have questions or need help later—not just during enrollment. Contact us.

ShaLane Hertel · Answer

To understand how your insurance coverage will fit into your lifestyle. There are many areas a professional understands things on a deeper level that will benefit your understanding.

Holly Baker · Answer

. 

There is no one size fits all when it comes to Medicare. A conscientious agent spends the time to get to know you and your particular needs. As an independent agent, we have access to many carriers and plans and can recommend the best options for you.

Annmarie Earehart · Answer

After you’ve been on Social Security disability benefits for 24 months, you’re automatically enrolled in Medicare Parts A and B, and your card will come in the mail. At that point, you can use Original Medicare or choose to add extra coverage like a Medicare Advantage plan, a Part D prescription drug plan, or a Medigap (supplement) plan if you qualify. Then, when you turn 65, you get a brand-new Initial Enrollment Period, just like someone who is starting Medicare for the first time. This is a seven-month window around your 65th birthday where you can sign up for a Medicare Supplement with no health questions asked, switch to a Medicare Advantage plan, or add/change your Part D coverage. In short, you first qualify through disability after 24 months, and then you get a fresh opportunity with more choices when you reach age 65. If all of this feels overwhelming, you can always reach out to an independent insurance agent who can explain the differences between the coverage options and help you pick and enroll in the plan that works best for your needs.

Rachel Williams · Answer

Because an agent can keep you updated on the plans and help you understand what is best for your needs

Hope Foutz · Answer

As a licensed broker, I often meet individuals who are unsure about the plans available to them, why they’re currently on a particular plan, or what coverage would best meet their needs. Working with an agent gives you a trusted partner in navigating your healthcare options, not only to help you choose a plan that truly fits your needs, but also to be there for support whenever questions arise.

Pam Johnson · Answer

The Value and agent adds is to help you go through each plan and determine plans benefit you most.  There is no cost to you and there maybe some programs or additional supplemental plans that you might not be aware of unless you are working with an agent.  I hope this helps.  Thank you!

Monique Bascle · Answer

Working with a local Medicare broker will help you simplify the process by comparing plans, costs, and coverage options in your local market.  A broker will provide unbiased personalized guidance to ensure you get the best plan for your medical and financial needs - at no extra cost to you.

Brenda Aguilar · Answer

When working with a medicare agent, you will meet one on one and go over your current plan and all the benefits you are getting. Also go over the new plans and see what benefits you and also to make sure your Doctors, SPECILIST AND MEDICATIONS ARE COVERED.

Roarke Andrews · Answer

You should be able to get an independent analysis of the plans without bias.  Second reason is that there is no cost/fee to work with one, so you get free advice.

Wayne Creeden · Answer

Because it’s free and you could get advice from a certified financial planner licensed to show you the differences to help you pick the best plan for your needs.

Rhys Kern · Answer

Because Medicare is a maze and I’m your free tour guide. I shop all the plans, translate the fine print, line up your doctors and meds, catch gotchas like penalties and networks, and keep helping all year. You do not pay me. The plan you choose does.

Donna Sanders · Answer

Working with a local Medicare  agent offers personalized service  that you can trust. Your personal information is only seen by one individual, therefore, you receive no unwanted annoying calls.

Gabriel Honer · Answer

The advantage of working with an agent is that agents understand the inner workings of Medicare and all the changes as well as saving you a ton of time every year. What my clients appreciate most of all is that a lot of times ill save them money on prescriptions or specialist visits or get them supplemental benefits that arent always advertised.

Leslie Wichman · Answer

Working with a knowledgeable agent gives you peace of mind. Allows you to sleep at knight knowing we are here at any time.. just a phone call away.

Keith McCarthy · Answer

At first glance, Medicare appears to be quite simple and easy to enroll. While there is some truth to that idea, in fact, you have an array of choices - and consequences - in selecting your (Medicare) health insurance. There are many insurers available, many plans available, and different time periods that may allow you to make changes (or not).

This is why using a licensed, independent health insurance whom you can trust is extremely helpful. 

Amazingly, you pay nothing to your agent for his/her assistance. Agents are compensated by the insurers, based upon the enrollments. An agent has your best interests in mind. Agents have volumes of information about Medicare plans and their subtleties available to them, in order to benefit you.

Alexander Spalding · Answer

Medicare can be confusing, and the wrong choice can cost you money or limit your care. A Medicare agent helps simplify your options and make sure your coverage actually fits you — your doctors, prescriptions, and budget.

An independent, local agent can compare multiple plans (instead of just one company), explain things in plain language, and help you avoid surprises. Just as important, you have a real person to call if questions or issues come up later — not a call center.

Best of all, working with a Medicare agent doesn’t cost you anything extra. You get guidance, support, and yearly reviews so your coverage keeps working for you as your needs change.

Jasmine Jones · Answer

Working with a Medicare agent allows you to have someone that is able to shop around for you and compare different carriers copays, prescription costs, and provider network.

Rachel Tafoya · Answer

A Medicare agent can show you what types of plans are available. They can tell you what the differences are between the plans and can give you the best options based on your needs and budget.

Jessica Parker · Answer

If I were to be your Medicare agent, I can help people understand their choices, compare plans, and avoid costly mistakes. As your agent I can explain Medicare in plain language, check whether doctors and prescriptions are covered, and help with enrollment deadlines and paperwork. I can also help save time and reduce stress by providing one-on-one guidance and ongoing support after enrollment, making Medicare much easier to navigate. Medicare - Let's make it Simple.

Jaime Umanzor · Answer

As a Medicare Agent myself. I represent various options to make sure we find the perfect plan tailored for your doctors, medications, medical facilities , and all your health needs.

Tony Evangelista · Answer

Working with a licensed Medicare agent offers more than just help picking a plan — it provides peace of mind. Here’s why:

Trust: A good agent works in your best interest, not the insurance company’s. They build long-term relationships based on honesty, transparency, and dependability — so you always have someone in your corner.

Expertise: Medicare is complex. Between Original Medicare, Medicare Advantage, Supplements, and Part D drug plans — plus the yearly changes — a seasoned agent stays current and cuts through the confusion for you.

Personalized Guidance: Your health needs, medications, and doctors are unique. An agent takes time to understand your situation and recommends plans that fit you — not a one-size-fits-all solution.

Time-Saving: Instead of spending hours researching plans or navigating enrollment forms, your agent does the heavy lifting. That means fewer headaches and less chance of costly mistakes.

No Cost to You: Medicare agents are compensated by the insurance companies, not you. Their help is free — whether you enroll through them or not — so there’s no reason not to take advantage of the support.

Annual Reviews: Your health needs and plan options can change each year. A great agent checks in with you before the Annual Enrollment Period to ensure your coverage still works for you.

Help When You Need It: If a claim gets denied, your doctor switches networks, or you have billing issues — you’re not on your own. You have a trusted professional to call.

Local Knowledge & Carrier Access: Independent agents often represent multiple carriers, so they aren’t tied to just one company. They can compare plans across the board and help you find the best value based on what's available locally.

Joel Montilla, Esq. · Answer

You will receive personalized services throughout a complex process, and you would benefit by having an agent advocate on your behalf.

Sunil Bhawnani · Answer

Working with a Medicare agent is helpful because you are working with an expert who can simplify the enrollment proses form start to finish. An agent who is knowledgeable, can give you the best options, savings and maximization of benefits so you can make the best decisions.

Alvin Petitt · Answer

Using a Medicare agent gets you expert advice for free and saves you from the headache of comparing a million confusing plans on your own. They do all the legwork to find the best coverage for your specific doctors and medications without it costing you a dime.

Lorraine Reeves · Answer

You’re Medicare Agent is dedicated and qualified to find the right plan to fit your needs and budget

Jonathan Hardy · Answer

One reason is so that you have a consistent point of contact. Having an agent to call when you have questions or need to make updates streamlines the process. Plus, they will be familiar with your particular scenario.

Alicia Hollis · Answer

Medicare can be confusing when trying to navigate it alone. Having a Medicare Agent that you can depend on to answer your questions and pick up the phone when needed can be a key to a successful experience with your Medicare.

Kenneth Richter · Answer

All Medicare Licensed Agents are required to take ten hours per years of intensive educational training often must pass numerous exams during the year to keep up to date on Medicare Products policies and procedures. 

The independent agent although represents the carrier,  works for the beneficiary.  

Where the agent who works for the carrier has the best interest of the employer.  

The independent Medicare agent represents many plans to help the consumer to select a plan that their doctor accepts. 

A good advisor will typically compare your plan to two others they recommend.  This way the beneficiary can choose the plan that best meets their particular needs.

Chris Perrin · Answer

Medicare can be confusing snd there are many plans and options to choose from. A Medicare agent can help narrow down the options and customize a plan based on your needs.

Frank Fuss · Answer

Great question! While you certainly can do this on your own, but you likely will only do it one time. I have helped thousands of people navigate the Medicare maze over the last 12 years. Working with an experienced, trusted agent can help ensure that you will make the decision that is right for your individual needs. I consider myself to be one of the best in the business and regularly attend conferences related to my business to make sure I am well educated and positioned to serve my clients as an expert. I take the business of your health and retirement happiness VERY seriously. My agency book of business was built as a referral only agency, meaning you either are referred to my agency by a friend or area professional, or you happen to find me on google and found my 5 star rating compelling enough to reach out to me. We do not make outbound marketing calls and I only advertise through networking groups, a local radio station, and as a sponsor of the Eric Zane Podcast.

MoniKea Hatten · Answer

Medicare is incredibly complex, and a TRUSTED REPUTABLE local agent acts as your personal navigator to prevent costly mistakes, all at no cost to you. Agents are State-Licensed, and transcend more than just sales, but act as guidance counselors. We are deeply rooted in the community and driven by a purpose to serve, ensuring you understand your benefits fully rather than just being sold a plan.

Joseph Cianchetti · Answer

Working with a Medicare agent such as myself. I have been helping folks for 20 AEP seasons and those turning 65. Plus those who have worked past 65 and are retiring.

Joan E Kealy · Answer

With over 7 years of experience as a Licensed Insurance Agent focusing on Medicare, I can assist clients by acting as a knowledgeable guide through the complexities of Medicare plans. I build and maintain trust-based relationships by helping individuals find the most suitable coverage for their unique health needs and budget.

Lisa Glenn · Answer

Working with a agent gives a client personalized advice and saves time in choosing the correct plan. Agents can also look for alternatives for specific medications and doctors.

Chelsea Reeves · Answer

Working with a local Medicare agent creates the opportunity for real connections, helpful explanations and a plan tailored to your needs and budget.  Your agent is yours, during enrollment and when things pop up throughout year.

Peter Jannetti · Answer

A Medicare agent could answer the more difficult questions and help someone not make a mistake and lose benefits because they didn’t know they exist.

Lily Genao · Answer

Working with a Medicare agent provides access to a wide array of plan options tailored to your specific needs. We can help you find the right coverage by understanding your individual circumstances and building a long-lasting relationship to ensure your healthcare needs are met.

Hassan Rashid · Answer

Medicare has so many moving parts and so many changes are made annually that it's hard for the typical person to keep up. Having a Medicare agent keeps you abreast of specific changes, not only to Medicare, but also to your specific plan and benefits.

James Walton · Answer

It is a great opportunity to review a client’s current benefits and see if there is a chance to improve upon them. However, it is also important for an agent to make sure that we maintain a level of integrity, in order to provide a service that is in the best interest of the client. The number one priority- client interest first.

Janet Elliott · Answer

Medicare agents have no financial initiative to recommend one plan over another.  Brokers have the ability to service you before during and after the enrollment.

Gabe Freeman FSCP · Answer

It makes the Medicare process much easier, especially with the annual changes.  You will have an advocate that cares and updates you in future years!

Greg Poole · Answer

Licensed agents are required to complete annual certification and keep up with the changes that occur each year. They can educate their clients on the available plans that will meet their clients needs

Tim Newsome · Answer

Medicare is a great healthcare option for people but, there are a LOT of avenues to explore. There is no perfect plan for everyone so, each person needs to sit down with a licensed agent to get educated on what their options are. Medicare is also not a set it and forget it health plan. Plans change coverage for doctors, medications, pharmacies, etc. every year. This makes it crucial to make sure that people get assistance both on the front end when they initially enroll in Medicare but, also review their plans each year during annual enrollment.

Maggie Castillo · Answer

Working with an agent will help you to be updated with all the constant changes in Medicare benefits, networks and make sure you have the best health plan throughout the years.

Chris Hunsucker · Answer

Working with a Medicare agent offers personalized help navigating a complex system. They provide expertise without extra cost to you.

Key Benefits
•	Expert Guidance: Agents explain Medicare options like Original Medicare, Advantage plans, and supplements, matching them to your health needs, doctors, and budget.
•	Plan Comparison: They shop multiple insurers to find cost-effective coverage, including prescription drugs and networks.
•	Enrollment Support: Agents handle paperwork, deadlines, and applications to avoid gaps or penalties.
Ongoing Assistance
Agents review plans annually during enrollment periods, as changes occur yearly. They act as advocates for claims issues and updates.
Cost and Compliance
Services are free—agents earn from insurers. Choose licensed, unbiased ones who follow CMS rules and don’t push specific plans.

Robin Dall · Answer

Trying to understand Medicare on your own can feel overwhelming because there are deadlines, penalties, plan differences, provider networks, and prescription drug rules that many people do not realize until after they enroll. A good Medicare agent helps simplify the process, explains your options in plain English, and helps you compare plans based on your doctors, prescriptions, budget, and lifestyle — not just the monthly premium.

Working with an independent Medicare broker can also save you time and help you avoid costly mistakes, typically at no additional cost to you. Instead of calling multiple insurance companies yourself, an independent broker can help you compare available options in one place and guide you through enrollment, coverage questions, and future plan reviews as your needs change.

Michael Martin · Answer

A medicare agent is going to be able to offer more than 1 medicare plan, giving you a larger selection. Allowing to tailor your decision based on your needs whether it be networks, prescriptions or procedures. 

A medicare agent can also guide you each year as plans change, giving you the edge as you focus on your health.

Christian Baird · Answer

It is best to get some advice as to how Medicare works and how it works with a Medicare supplement and Medicare Part D's RX plan. Going over costs, A&B Coverage, deductibles, possible premium increases, etc. Also which carrier to use... the stability of the carrier.

Todd Poe · Answer

Why is it important to use a Medicare Agent?  Because this is one of the most important things you will do before you turn 65.  Having the right coverage, being able to see the doctors you want and getting appropriate coverage for your medications and we also know how to get you qualified for any and all benefits you should be receiving.

Jennise Housel · Answer

I’m a Medicare broker I can help you compare plans, understand coverage options, avoid costly mistakes, and find the best plan for your specific health and budget needs—all at no extra cost to you.

Betty Dean · Answer

Medicare can get complicated really fast, and everyone's situation is unique to them.  Working with an agent can ensure the recommendation is suited to your situation.  An agent can also explain the trade-offs from one plan to another, or the consideration of one plan over another that you won't get without a lot of research done by yourself.  You also develop a relationship with an agent and a resource to turn to if you have questions.  You should also review your plan every year to be sure it still fits your needs.  If there were a one plan fits all, there would be only one plan.

Sunnea Green · Answer

Medicare Adavantage Agents provide accurate data on plan pricings and premiums and help in locating medical care facilities or doctors to cater to your individual care needs. also if your low income they assist in signing you up for a state prescription drug plan in your area to help cover copays.

Luisa Alvarez · Answer

We are contracted with many different plans and we can help you choose the rights plan that suits your needs and help you navigate with the best options so you can make an informed decision.

Valerie Welch · Answer

There are many benefits of using a Medicare Agent.  In my opinion, the top two reasons are:  
1) An Agent will show you all of your plan options and, based on your individual needs, help you decide on the right plan for you.
2) When you use an agent, you have an advocate to help you with any problems or issues you may encounter with your plan throughout the year.

Janelle Rider · Answer

Medicare can be very confusing, and navigating the process to find the best option for you isn’t always easy. The plans are not one-size-fits-all. There are too many variables—knowing the rules, understanding which benefits apply to you, and being aware of all the costs involved can quickly become overwhelming.

Having a Medicare agent takes the guesswork out of the process by completing a needs analysis to shop for the best options and present them to you clearly.

A Medicare agent’s role is not to enforce, but to educate—helping you understand your choices and structure a plan that empowers you to make the right decision for yourself while meeting both your medical and financial needs.

Nancy Nowell · Answer

If you work with an Independent Medicare agent, you will be assisted (at no cost) by someone who is able to be your advocate in finding the best available coverage, for your needs, concerns and budget.  

An Independent Medicare Agent should work more as an "advisor" rather than a "sales person".  Be sure to ask how many carriers they are appointed with and if they use actuarial tools so that they can compare all of your options, not just one or two carriers' plans.

An independent agent / advisor should keep you informed; advise you of the best coverage for YOU, and support you throughout the year.

Stacey Gaines · Answer

Local Agents can conduct a needs analysis and are more familiar with your communities services. Having the ability to connect with a local agent can result in many needs being met when it’s really needed during challenging times in a seniors’ life.

Rick Valente · Answer

The Medicare plans out there are plentiful, depending on where you are in the country.
Understanding the mechanics of each of those plans is critical to making the correct
choice of a suitable plan, geared to the wants and needs of the beneficiary.

A licensed agent has been trained to uncover the data from the beneficiary, necessary
to guide the individual to a valid choice.

Tori Hughes · Answer

Agents complete annual training and testing to ensure any new rules and laws are thoroughly understood. Every new year comes with its own revision. Some are clear and obvious, but others can go undetected until it’s too late.

Paige Bronkema · Answer

Working with a Medicare agent helps me avoid costly mistakes. Medicare has strict rules, deadlines, and potential penalties, and an agent helps make sure I enroll correctly and don’t end up with coverage gaps or higher costs later.

A Medicare agent explains my options in plain English. With all the different parts of Medicare—Original Medicare, Medicare Advantage, Medigap, and Part D—it can get confusing fast. An agent helps break it all down so I can understand what actually fits my needs.

An independent agent can compare multiple plans for me. Instead of being limited to one insurance company, an agent can shop several carriers at once to find plans that match my doctors, prescriptions, and budget.

They help make sure my medications and doctors are covered. An agent can check whether my prescriptions are on a plan’s formulary and whether my doctors and hospitals are in network, which helps me avoid unexpected costs.

Using a Medicare agent usually costs me nothing. My premium is the same whether I use an agent or enroll on my own, so I get professional guidance without paying extra.

A Medicare agent provides ongoing support. They can help after I enroll with questions, billing issues, or changes during Annual Enrollment if my needs change.

Overall, working with a Medicare agent gives me personalized guidance and peace of mind, instead of trying to navigate Medicare on my own.

Norma Rector · Answer

Typically, Medicare agents and agent/brokers can assist you with making a proper analysis of your unique prescription drug preferences, as well as a cost analysis.  Save money and save time by working with a licensed and certified agent.

Kristen Hankinson · Answer

An Independent Medicare agent can provide you with education about Medicare and the options that you have.  Most importantly, a Medicare agent (if Independent), if carrier agnostic.  They will provide you with clear choices a they are not tied to a specific carrier or plan.

Rebekah Grimm · Answer

Medicare agents strive to know all of the ins and outs of Medicare. It's in an agents best interest to help you find the plan that is most beneficial to you.

Todd Benortham · Answer

Medicare can be confusing. A good agent explains it in plain English and helps match plans to your health needs and budget.

We can show you several plans side by side so it’s easy to compare costs, networks, and drug coverage.

Agents makes sure you enroll correctly and on time, which can prevent costly mistakes or gaps in coverage.

Each year during Open Enrollment, we check in to see if your current plan still works for you or if there’s a better option.

Our help doesn’t cost you anything - we are paid by the insurance companies, not you.

Jaye Anna Hill · Answer

There are many good reasons to work with a Medicare Agent. Medicare rules and healthcare laws change often, and it can be difficult to keep up unless you study them regularly. A Medicare Agent understands these changes and can review the many plan options available to help you find the one that best fits your needs.

They bring clarity to a complicated process and guide you step by step so you can feel confident in your choices.

Elizabeth Blackburn · Answer

Clients that work with a Medicare agent receive an advocate who provides guidance and can tailor recommendations around your specific needs. Our job is to simplify the process, provide comparisons about the different options and help with ongoing annual reviews. Working with a Medicare agent is a free service and we can help avoid costly mistakes like missing enrollment deadlines.

Jemeel Adams · Answer

You will have a actual in person knowledgable agent to work with and no fees. Us agents are paid through carriers and we have a responsiblity to work in the clients best interest.

Karen Budd · Answer

As an Independent broker, I am committed to helping you understand and navigate all your Medicare options.  Working with me, you will receive personalized recommendations and guidance based on your individual needs and situation.  I build long-term relationships, I want to be your trusted resource, not just for one decision but for the years ahead.

Tony Gonzalez · Answer

A agent or Broker gives you the best advice based on your needs. Listening to your clients is huge.  You must help them decide, not decide for them.

Sara Leonatti · Answer

What services do you offer?

Medicare Advantage
Medicare Supplement
Prescription Drug
Health Insurance for Individuals and Families


What makes you different?

I use a people-first approach, clear communication, and dependable service. That’s what sets me apart. I’ll be your advocate whenever you need me.

Grace Royer · Answer

Working with a Medicare agent gives you access to expert, personalized guidance to help you compare plans across multiple carriers and find the best coverage for your specific health needs and budget. Best of all, their services are completely free to you and gives you a trusted advocate for the long haul.

Tiera McQuater · Answer

Working with a Medicare agent can help make the process much less overwhelming and give you someone in your corner to help guide you through your options.

Medicare plans can be confusing, and many people don’t realize that plans, costs, provider networks, and prescription coverage can change from year to year. An agent can help you compare plans, explain benefits in simple terms, and help you find coverage that fits your personal healthcare needs and budget.

I also believe it’s important to have someone you can actually call when questions come up — whether that’s understanding a bill, reviewing prescription costs, checking if your doctors are in-network, or simply reviewing your coverage each year to make sure it still fits your needs.

As an independent agent, I work with multiple carriers, so my goal is to help educate you on your options and help you feel confident and comfortable with your Medicare decisions — not just during enrollment, but as an ongoing resource moving forward.

Oberto Ramirez · Answer

It may be complicated to understand when and how to enroll, the vocabulary and to be able to get the best plan for your needs, the agents know it all.

Edward Fisher · Answer

Medicare is complicated and ever-changing. Each person's situation is different, so the "one size fits all" approach doesn't work. Agents can help you navigate your way to the best plan for you.

We can answer your questions. Some people don't even know what questions to ask. There's no shame in that and no reason to be embarrassed; that's what your agent is here for.

Ramiro Garcia · Answer

Personlized guidance- Medicare agents can assess your individual healthcare needs, preferences, and budget to recommend suitable plans. 

We can compare different Medicare plans, including Medicare Advantage and Medigap options, highlighting benefits and costs.

Patricia Korth · Answer

Able to give personal service not only at sale but always
Knowledgeable 
Able to explain and uncomplicate the Medicare maze

Ameen Abdulkareem · Answer

Agents are able to answer to your satisfaction any questions that may concern you about the medicare insurance products.  If we are not able to answer any question we shall, in a timely manner, get the correct answer for you.

April Gruber · Answer

First I would encourage you to know the difference between an agent and broker. According to CMS (Centers for Medicare and Medicaid Services), an "agent" represents only one insurance carrier, where a "broker" represents many. A Broker like myself, offers an unbiased approach to comparing plans available in your market. The processes should include reviewing your medications and doctors to ensure that they are well covered by any option you are considering. It is our mission to eliminate your confusion through education and a partnership to help identify your needs and find coverage that meets those needs within your budget. You should feel supported and empowered by your agent or broker. If you don't, find a new one. Be comfortable and confident with the person you work with.

Gina Delgado · Answer

Working with an agent gives you personalized guidance, plan comparisons, help lowering costs, and ongoing support and all at no extra cost to you.

Tracy Peters · Answer

You want a local agent so that if you ever need questions answered or have problems, you have someone that will work on your behalf. It's more personable.

Sandy Hernandez · Answer

The reason it’s best to work with the Medicare agent is because we are connected to different doctors offices that we have worked with like Gonzaba well and we’re able to do all the foot work for you. Find your doctor of your choosing and we will take all the stress off of you for of doing that as well and find a plan that can cover you and we understand the language of the Medicare as a professional

Kelly Wabiszewski · Answer

An experienced Medicare agent can help synthesize the overwhelming amount of information regarding your Medicare enrollment requirements and options. Further, as independent agents, we are appointed by not just one but several providers and can help clarify your benefits so you understand the ways your selected plan will meet your needs and preferences.

Shanna Wetzstein · Answer

Agents have taken yearly certifications. They are knowledgeable on all the new changes every year to help you with the best plan for your needs.

Ricardo Lourenço · Answer

When you work with a Medicare Agent, you can feel confident that someone is looking out for your best interests when it comes to your healthcare coverage. 

We don't work for the insurance companies, so we can give you unbiased advice. 

We'll compare plans, find the one that's right for you, and handle the enrollment process so you don't have to worry about a thing.

Apryl Freeney · Answer

Medicare agents are here to simplify the process and help guide you to make the best decision for your health needs.

Jason Colletti · Answer

Working with a Medicare agent is a huge benefit, they help you stay updated on annual changes and navigate the state-specific options. They offer holistic advice, helping you find coverage that fills in the gaps Medicare doesn’t cover, and ensure you’re making the best choice for your needs.

Astrid Hurlbut · Answer

Because the agent has information you wouldn't be able to find anywhere on line and best yet it doesn't cost you a penny to have a good agent that has your back, answers any service issues and helps you with your drug plan enrollment annually

Michael Mongioi · Answer

There are many advantages to working with a local agent. And independent agent has access to many different companies offering Medicare plans which allows them to find the best plan that fits your specific needs. Local Agents are also a great source to educate you as to how Medicare works and what it actually covers. But most importantly is knowing what Medicare does not cover and how to protect yourself from these non covered costs.

Brandy Lee · Answer

A medicare agent educates beneficiaries on Original Medicare, and plan options based on healthcare needs, doctors and prescriptions.  Agents also offer year round assistance with benefits, claims, and answering your question’s.

Helen Clee · Answer

Working with a trusted Medicare agent is invaluable.  He/She not only has broader market knowledge regarding but also local knowledge as far as benefits available to seniors. A good agent is always available to answer questions you may have about Medicare or your specific plan, and can facilitate in helping with setting appointments, billing issues, etc.  Working with a knowledgeable agent is much more benefitcial than navigating this complicated area of insurance on your own.

Kayla Thola · Answer

A Medicare agent can be a helpful resource for understanding plan options, comparing coverage, and assisting with enrollment questions.

Rigoberto Caballero · Answer

Working with a specialized Medicare agent offers many strategic advantages that save you money, time, and a stress.
Medicare offers many plan options, which can vary from one zip code to another. Medicare agents utilize tools designed to input each individual's specific details—such as preferred doctors and prescription medications—to ensure that the plans available in their area of ​​residence effectively meet their needs. The agent can compare these options and present them to you for your selection.

Peter Scholl · Answer

Turning 65 and becoming eligible for Medicare is a major milestone, and working with a licensed health insurance agent who specializes in Medicare can make the process much easier. Medicare isn’t a one-size-fits-all program, and having guidance helps you understand your options and choose coverage that fits your specific needs.

We take the time to explain the different parts of Medicare and help you navigate your choices—whether you’re retiring or continuing to work and need to coordinate with an employer health plan.

We also meet with you each year to review your coverage and make sure your plan still fits, especially as Medicare plans and benefits can change annually.

Our goal is simple: help you make informed decisions and avoid unnecessary costs, so you can protect more of your retirement income and savings. Trying to navigate Medicare on your own can lead to missed opportunities or higher expenses, and having an experienced advisor helps you stay on track.

Stephanie Coulter · Answer

Working with an independent Medicare insurance agent can provide you many advantages. An independent agent is not tied directly to the insurance companies and can present a variety of plans to compare and choose from. Enrolling in a plan through an agent allows them to work with the insurance company on your behalf to resolve any issues that might arise throughout the year. A good agent will be in your corner, looking out for your best interests and available when you need support.  

An independent agent will bring added value to your healthcare plan decisions, including:

•	No Cost for Agent Services:  You’ll pay exactly the same rate for your insurance plan if you enroll through an agent. Medicare insurance agents are paid by the insurance companies they represent. The client pays exactly the same rate for their Medicare plan, regardless if they use an insurance agent. There should never be an extra fee or cost for enrolling through an agent.  

•	Knowledge of Local Providers and Plans: a local, independent agent, will have a good understanding of the insurance companies, healthcare providers & networks in the area and can help you find coverage that include your preferred doctors and hospitals. 

•	Personalized Service: A good agent is interested in building long term relationships with clients in their area. They will take the time to get to know you and understand your individual healthcare needs in order to help you find the right health plan for your lifestyle. 

•	Annual Plan Review: If you have a Medicare Advantage or Part D prescription drug plan with a Supplement (Medigap) plan you will need to review your plan annually, in the October – December timeframe, to ensure your plan is still a good fit in the new year. A review of the plan network, costs & coverage changes, as well as anticipated healthcare needs are just a few things an agent will review with you each year to determine your coverage needs are met.

Linda Pieters · Answer

A Medicare agent’s main role is to educate you on the government’s Original Medicare program, including when to enroll, what Medicare covers, and the costs associated with the program. Based on your healthcare needs and budget, they can help determine which coverage path and plan may best fit your situation.

When you enroll through an agent, they also serve as your advocate throughout the year by helping review plan changes, addressing coverage concerns, and assisting when healthcare needs evolve over time.

The best part is that working with a Medicare agent is typically a no-fee service, as agents are compensated by the insurance carriers rather than by the client. The cost of the plans is generally the same whether you enroll directly with the insurance company or work with a Medicare agent.

Lacresha Holliday · Answer

The best reason to work with a Medicare agent is our expertise. We our federally background checked, finger printed, and certified by each carrier we represent.

Daniel Olofsson · Answer

You should ONLY work with an agent who is licensed and certified. You should work with an agent who represents more than 1 insurance company so that you can compare what each company offers to you. 
You should consider your first enrollment as an educational period--where you get a crash course in the best coverage for the lowest rate. There is no reason to overpay.

Ethan Coakley · Answer

Great question! Honestly this answer can vary depending on many different factors. There are many GREAT Medicare Agents out there, however not all agents provide the same level of service, education, or expertise in the field. I would recommend making sure your "agent" is a broker. You want someone who contracts with multiple different carriers and who can lay out each option in front of you and then guide you from that point. This ensures you are able to see most or all of your options, and confirms the agent isn't pushing one specific company/plan to make a sale. There are many benefits to working with a Broker. I personally treat my clients like a family. I want them to know they can call me first with any questions/concerns. I pride myself in being with them before, during, and after the enrollment process, and I like to be able to keep them up to speed with changes in their plan. As a broker I study carrier info daily and am usually up to speed with any upcoming changes. You will never receive a bill from an agent or broker as the service is FREE. They can generally get in contact with the carrier quickly and are always there to bat for you if you need anything!

Cody Franklin · Answer

The best reason I can think to work with an insurance agent to navigate your Medicare is that it doesn't cost you anything. You get free advice from an expert in the industry which can help you avoid some of the pitfalls that exist in the Medicare program. An insurance agent can assist you with navigating all the plan options to find the one that works best for your needs and preferences.

Carl Washington · Answer

Working with a Medicare agent gives you access to the features that the plans offer, someone to explain them to you. It also gives you a resource person if you have any questions any time. Clients will always be able to be informed or clear up any confusions about the plans they choose.

Melinda Moros · Answer

Working with a Medicare agent provides you with expertise and guidance before AND after your enrollment!  We must take and pass rigorous training and know the rules of Medicare, and we can guide you for all of your Medicare journey!  

When people enroll with an insurance company telesales agent, by mail, or on a website directly with the insurance company and they need assistance or advice, they must use the general company member services for future advice and assistance.  Each time they call, they will probably get a different service team agent.  While they are helpful and know Medicare rules and their offerings, they don't know YOU and your history.  They may not be familiar with YOUR local market and changes to it.  

We're here to help you now and when you need us in the future as your Agent of Record.

Derek Arnold · Answer

It good to work with an agent for a couple reason, I would say the number one reason would be to work with a non-captured agent (an agent that works with multiple insurance companies) so you can get a side-by-side comparison of different plans in your area from a non-bias, professional opinion, (2) working with an agent gives you someone to call for any and all questions or concerns, instead of having to navigate on your own, (3) Does not cost any extra to use an agent vs trying to do it on your on.

Susan Diamond · Answer

Medicare can feel confusing and overwhelming, but an experienced agent can make the process simple and stress-free. I’m here to help you figure out what works best for your needs, preferences, and budget, walk you through your options, and answer any questions you might have along the way. My goal is to make sure you feel confident and informed every step of the way.

My clients know they can rely on me year-round for support, answers, and clarity. Best of all, my assistance is always completely free.

Trisha Ducote · Answer

Medicare and insurance options can be overwhelming. An agent breaks it down and matches people with the right plan for their needs, budget, and doctors.

Leandro Godoi-Pires Gunn-Russell · Answer

A Medicare agent assists you in comparing plans, explaining benefits, and finding coverage that suits your health and budget needs. 

We simplify the process of navigating Medicare, ensuring you’re not overwhelmed.

Maureen Probst · Answer

Brokers are up to date with the plan details and latest legislation that affect the plans. We can also educate you on your options and present the top plan types for your situation which includes your providers and medications. Plus there is no fee for our services.

Tesa Jones · Answer

Working with a Medicare agent cuts through the complexity and confusion of Medicare options, helping you understand the differences between plans and find coverage that actually fits your specific health needs and budget.
So, instead of spending hours researching dozens of plans and calling multiple insurance companies, an agent does the legwork for you and presents the best options based on your doctors, medications, and preferences.

Did you know that Medicare agents are paid by insurance companies, so their services come at no additional expense to you? It's true! We're truly here to help you.

We provide-
Ongoing Support via year-round assistance with claims issues, plan changes, and annual enrollment decisions as well as Direct Local Market Knowledge. Agents understand which plans have the best networks and reputations in your specific area and finally,
peace of mind by having a knowledgeable advocate. This means you're less likely to make costly mistakes or miss important deadlines that could leave you with gaps in coverage or penalty fees.

Mae Yang · Answer

Medicare can feel overwhelming—policies change often, the resources are confusing, and making sense of your options can leave you feeling stuck. That’s where a Medicare agent steps in.

By working with an experienced Medicare agent like me, you get:

Expert guidance: I stay up to date with the latest Medicare rules, plans, and enrollment periods so you don’t have to sort through overwhelming information on your own.

A personalized plan: I help you find the Medicare coverage that fits your healthcare needs and budget—making sure you get the benefits that truly work for you.

Ease and peace of mind: I handle the research and compare top national and local Medicare plans, saving you time, stress, and confusion.

Compassionate support: I meet you where you are, listen to your concerns, and guide you step by step with clarity and care.

The result? You enroll in the right Medicare plan with confidence—without compromising family time or feeling lost in the process.

Vivian Maner · Answer

1. Guidance through complex choices
2. Personalized plan selection 
3. Access to multiple carriers
4. Help avoid mistakes and penalties 
5. No extra cost to you

Jennifer Mimikos · Answer

Medicare can be confusing, and there are a lot of voices out there telling you what to do. A licensed agent can help cut through the confusion and collaborate with you to find the best fit and most cost-effective solutions for your specific situation. Working with an agent means you have a resource to keep you updated on all the changes with Medicare (since there are changes at least every year), as well as being a consistent person to refer to whenever you have questions or concerns about your coverage.

LaToya Robinson · Answer

They can get you the best plan. also, tell you if your missing out on anything. Let me know if you need an agent. i would be happy to help.

Sharon Tagoe · Answer

The reasons to work with a Medicare agent, they can often compare plans from multiple carriers to find the best option for you, free ongoing support, speaking with the same person each time that understand your needs, checkins to be sure you stay informed to not miss deadlines.

Angelica Parra · Answer

Medicare can be complex, but I’m here to simplify it. I take a personal approach to understanding your health needs, prescriptions, and budget so we can choose a plan that truly fits your lifestyle. My priority is to make Medicare easy to understand and ensure you feel confident in your coverage decisions.

Conrad Baines Jr · Answer

A Medicare Agent will provided solutions tailored to your needs. Verifying  available plans that include your specific doctors and existing prescription drug cost and coverages. In addition a Medicare Agent can inform you about existing perks available.

Emily C · Answer

Working with an independent agent means you’ve got someone in your corner who isn’t tied to one company. We can compare plans across multiple carriers, explain the differences in plain English, and help you avoid costly mistakes. There’s no extra cost for our help, and we'll be here when things change or questions come up down the road. We also help clients navigate claims issues etc. It's nice to have someone local that understands your needs better than someone might at a call center in another region.

Larry Jolley · Answer

Working with a Medicare agent offers personalized guidance and simplifies the enrollment process by helping you compare plans, save time and money, and find coverage that fits your budget and health needs. Agents provide ongoing support, have access to a wide range of options, and offer local expertise for tailored advice.

Alison Pruitt · Answer

Medicare is very confusing for most folks and there are so many options and it is often overwhelming for those new to Medicare. Working with a broker is great because Medicare beneficiaries get the education about how Medicare works and the additional options they can choose. And talking to a broker allows beneficiaries to see all plans available and not just one brand or carrier.

Angelina Ortega · Answer

Navigating Medicare can be confusing, but a licensed agent helps you understand your options clearly and choose coverage that fits your health needs and budget. We stay up-to-date on plan changes, so you don’t have to—and our guidance is free to you.

Lyndsee Woods · Answer

Medicare overall is very complicated to understand. Agent stay up to date on changes, rules and regulations. We also have to do yearly certification with Medicare and all of our insurance carriers.
Why should you work with an AGENT?
* An Agent will review & compare all plans in your area
* An Agent will check to make sure your Doctors are all in network
* An Agent will review all your prescriptions and drug costs
* An Agent will make sure you don't miss a deadline & avoid a penalty
* It costs the beneficiary NOTHING to work with an AGENT.
* An AGENT will be your ADVOCATE!!!! ( My personal FAVORITE )
* Working with an AGENT gives you a peace of mind!

Shawn Viner · Answer

My assistance doesn't cost you anything and there is no obligation. I will compare multiple companies based on your specific doctors and prescriptions. I will help you avoid expensive mistakes. Missing the wrong deadline or picking the wrong drug plan can end result in a lifetime of penalties or thousands in surprise costs. I am not a call center. I will provide you ongoing support and will be there to help you each year to ensure you are still in the best plan available to meet your needs.

Jared Deutsch · Answer

Working with a Medicare agent makes sense for a few simple reasons:

We save you time. Instead of comparing dozens of plans yourself, we narrow it down to what actually fits your situation—your doctors, medications, and budget.

We explain things in plain language. Medicare is full of confusing terms and rules. We translate it into normal language so you can make informed decisions without the headache.

We help you avoid costly mistakes. Missing enrollment deadlines, choosing a plan that doesn't cover your doctors, or misunderstanding your coverage can cost thousands. We help you get it right the first time.

Our help is free. Agents are paid by insurance companies, not you. Whether you work with us or enroll alone, your premium is the same—so why not have guidance?

We're here after enrollment. Questions come up, claims get confusing, life changes. A good agent doesn't disappear after you sign up—we're here when you need us.

Bottom line: Medicare is complicated, and mistakes are expensive. If you'd rather have someone who does this every day walk you through it, that's what I'm here for. No pressure, just honest guidance.

Susan Huckaby · Answer

Agents are licensed and recertified yearly therefore, they are up to date and educated on all aspects of medicare and medicare changes.

Natasha Sheegog · Answer

As an independent Medicare agent, I can compare plans from multiple carriers to find the best coverage that fits your budget. Plus, you’ll have ongoing support — you can reach out to me anytime throughout the year with questions about your Medicare coverage.

Latrice Bennett · Answer

A Medicare Agent can help make sure that you are getting everything you qualify as well as do all the shopping around for the best plan that works for you. A Medicare Agent can assist with checking out networks and assist with making sure your medications are covered as well

Devender Guhania · Answer

The reason to work with your Medicare agent is to get:
- Expert Guidance:
- Personalized Plan Comparisons:
- Annual Review
- Cost Savings
- Enrollment Support
- Ongoing Advocacy

Troy Wills · Answer

Working with a Medicare agent provides peace of mind in understanding your full story and tailoring plans to support your needs comprehensively. We educate on the process and provide ongoing support and insights on additional options, changes etc. which is vitally important to protecting your health and well being. We are more than just transactional, we care.

Amber Hershey · Answer

Agents are able to look at specific situations and identify the key points in an individuals healthcare that an insurance plan needs to cover. Along with years of experience working with these plans. When issues arise, an agent can help address those issues. They also stay up to date on industry changes, Agents are there for you!

James Wallish · Answer

You should choose to work with a local Medicare insurance agent versus a nationwide broker because they have a much better understanding of your local hospital network. How plans work how to access the ancillary benefits and more. It’s always easier to have a single point of contact with insurance questions.

Angelena Braxton · Answer

A medicare agent can introduce clarity to a complicated system; guiding you through plan comparisons customized to meet your healthcare needs and budget. There is also a possibility that a Medicare agent may be able to save you time and money and anxiety. Best part, it's free and you gain access to a professional to help navigate your benefits - throughout the plan year!

Cristy Flores · Answer

Working with an agent like myself, you are going to receive a personal appointment.  Whether you prefer an in home appointment or over the phone.  I take all of your medical information to make sure its in the formulary for prescriptions and that the Dr and pharmacy are in network.  When you call me, I'm the person who answers the phone or your call goes into my voicemail.

Desiree Montes · Answer

Durable Medical Equipment (DME) when prescribed for a specific medical condition and used in your home part of a treatment plan
Home health care services: If you’re receiving Medicare-covered home health services (skilled nursing, physical therapy, occupational therapy, etc.) in your home, any equipment that is considered part of that medical therapy might be covered if prescribed and provided by a Medicare-certified home health provider. This still usually does not include permanent home modifications like installing a stairlift, but it could cover temporary assistive devices used during therapy.

Stephanie Lybrand · Answer

A licensed agents are paid directly by insurance companies, meaning their assistance is free to you, and policies cost the same as buying directly.

Paula Keown · Answer

When I teach Medicare classes at our local public library, I always emphasize that working with a Medicare Agent/Broker doesn't cost you.  I think that it is important to work with a trusted, experienced professional to help guide you through the process.  It is important to have that knowledge working for you.  I have received many calls from people who tried to figure out Medicare on their own, and they called me after they ran into problems.  So, my advice is to start using an agent/broker from the start.  

Find a local agent who focuses on education.  You want to find an agent who will show you the options and help guide you through the decision-making process based on your needs, your wants, and your budget.  Ultimately, this is your health care, and you need to be in the driver's seat.... not someone else deciding for you.

Jason Cayea · Answer

Working with a Medicare agent helps you compare plans from multiple carriers to find coverage that best fits your health needs and budget. An agent also guides you through enrollment, explains your benefits, and provides ongoing support if your needs or plan options change.

Answered by Ann Sanfelippo on October 5, 2025

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

Mary Sosa · Answer

A Medicare agent helps you avoid costly mistakes, reduces stress, and gives you confidence in your coverage choice.
Personalized guidance, saves you time, explains complex rules, no extra cost to you, ongoing support plus local market knowledge.

Jessica Danos · Answer

A Medicare agent knows how Medicare works and can simplify it for you.  By having an agent explain how it works in simplified terms you are able to make a more informed decision. Independent agents are usually contracted with most of the companies and can help you compare all the plan options to see what best fits your needs. Most agents have tools to easily look up your doctors and medications, so you don't have to. If any problems pop up like billing, claims, or plan changes - you have someone in your corner.

Dwight Woodruff · Answer

A Medicare broker provides unbiased, side by side comparisons of multiple insurance carriers at no cost to you, ensuring you find the plan that best fits your specific budget and doctor network. Their expertise is especially vital in 2026 to help you navigate significant regulatory shifts, such as the new $2,000 out-of-pocket prescription cap and updated drug coverage rules.

Marco Velasco · Answer

The Medicare landscape can be complicated, which is why it is essential to work with an expert who understands your local market and can perform a comprehensive needs analysis.

To narrow down the options that meet your expectations of care, a well-versed agent should ask several key questions, including:

- Which hospital would you prefer for medical procedures?
- Who is your Primary Care Physician?
- Who are your specialists?
- What medications do you currently take?

The goal of a Medicare agent is to uncomplicate the process and provide the education necessary for you to make the best choice for your needs. By understanding your specific options, you can make your healthcare decisions with confidence.

Cheryl Litz · Answer

A Licensed Insurance Broker has the ability to review all of the Carrier's plans yearly to see which one has the best bang for your buck. Also, having an agent allows them to represent you for any issues you may have.

Randy French · Answer

For one, agents don't work for the Medicare companies so the agent is working to find what is best for you. Second, they have experience in helping ones to understand all the options that are available to you.

Carlos Gamiz · Answer

Medicare agents should have access and knowledge of multiple carriers. This allow for flexibility in plans and provider networks.

Richard Mora · Answer

Working with a Medicare agent can simplify the complex process of choosing a plan by providing personalized guidance tailored to your specific healthcare needs and budget. They can help you navigate various options and ensure you find the best coverage without any additional cost to you.

Lucian Gower · Answer

I understand how Medicare and Medicaid work in 14 states.  I am disabled and on Medicare, I study and research all new changes and I train every year for the new changes that begin in January of the next year.  Only a Medicare Broker would understand all the significant things affecting your Medicare each year.

Merlin Close · Answer

Working with a good Medicare agent is a great way to make choosing the right plan easier. They can give you expert guidance and personalized recommendations based on your needs. They'll help you figure out the tricky details, save you some cash, make sure you meet all the right deadlines, and be there for you every step of the way. And the best part? Since agents are usually compensated by insurance companies, their services typically come at no extra cost to you. So, when you work with an agent, you can rest assured that you're getting a helping hand to manage your Medicare coverage at no extra cost to you.

Zach Wolf · Answer

What option is most aligned with my current healthcare needs, and does this make sense with what my future self wants?  Beneficiaries need to anticipate what their health might look like 3-5 years from now.  We don't always know what tomorrow holds, but maybe that surgery you're putting off, or that procedure that needs to be done "at some point", needs to be addressed sooner rather than later.  How do these plans, today, support my long term goals?

As a broker that represents all the major carriers in your market, I can advise you which one is best suited for what it is that YOU SPECIFICALLY are trying to achieve.  No two people are in the exact same boat, and without somebody to help you navigate the complexities of Medicare, you run the risk of not being enrolled in the plan best tailored to meet your particular needs.

German Castro · Answer

• I can help you compare plans tailored to your needs
• Ensure you’re not overpaying
• Explain benefits clearly and simply	
• Support you year-round, not just during enrollment

Donald Slone · Answer

Subject matter expert. We have completed annual certifications and trainings to be able to recommend top products for each individual’s needs.

Jonathan Tate · Answer

Unbiased information is crutial to make any informed decision, but that information is particularly difficult to obtain when it relates to your Medicare coverage. Shopping tools such as Medicare.gov can be a good place to start, but those tools are based on algorithms designed to give general information to masses of people. You can call each carrier, but they can only discuss their own plans.  They are not able to compare themselves to each other.
Work with an independent agent that represents (at a minimum) at least 3 carriers in your area.  That agent is able to compare those plans to each other and in theory has no financial incentive to market one of those plans over another.
Questions I would ask any agent before agreeing to work with them:
1 - How many carriers offered in my zip code do you represent?  (minimum 3)
2 - Do you represent both Medicare Supplement and also Medicare Advantage plans? (the impartial agent will offer both as options)
3 - How many years have you been certified to market Medicare plans? (the experienced agent will have at least 3 years experience or will be working with a mentor who has at least 5)
4 - If I have an issue and you are on vacation, who do I call? (the well-prepared agent will have an office staff to assist you when they are unavailable).

Jonathan Kirshblum · Answer

Most people don’t understand how Medicare works, what plan best fits their needs, or where to find a Medicare specialist with years of experience. That’s where I come in!

Robbie Bowers · Answer

You should work with a Medicare agent because they have the knowledge and expertise to guide you through the process of selecting a health plan that best meets your individual needs. Whether it's Medicare Advantage or a Medicare Supplement a licensed professional will always be your best resource.

Deanna Luprete · Answer

We are trained and licensed professionals that are dedicated to helping seniors navigate the often confusing labyrinth called Medicare. We assist seniors at no cost to them and are willing to go the extra mile to find the best fit for their lifestyle, finances and healthcare.

Teresa McCandless · Answer

Medicare can feel like alphabet soup—Parts A, B, C, D, Advantage plans, Medigap, formularies, networks, deadlines… it’s a lot. A licensed Medicare agent helps you cut through the noise. They:

Simplify choices – Instead of wading through dozens of plans, you get clear, side-by-side comparisons that actually fit your health needs and budget.

Save you time & stress – Agents know the enrollment rules and deadlines so you don’t miss out or make costly mistakes.

Advocate for you – If issues pop up with coverage or billing, you have a real person to call—not a 1-800 maze.

No extra cost – You don’t pay more for using an agent; the value comes from their expertise and ongoing support.

Bottom line: a Medicare agent takes a complicated system and makes it personal, manageable, and stress-free.

Betty Reliford · Answer

Choosing the right Medicare plan can be a daunting task, especially given the myriad of options available. From my Blog post on the subject, these are my Top 10 benefits of using a licensed insurance agent for Medicare Plans:
1. Expert Knowledge of Medicare
Licensed insurance agents possess comprehensive knowledge of Medicare, including its different parts and enrollment periods. This expertise allows them to guide clients, ensuring that they understand their options fully. 
2. Personalized Service
Agents take the time to understand each client's unique needs and financial situation. They will tailor plan recommendations that align with these specifics, thereby enhancing the probability of satisfaction with the final choice.
3. Access to Multiple Plans
Unlike individual consumers, licensed agents have access to a broader range of Medicare plans and multiple providers. 
4. Assistance with Enrollment
Licensed insurance agents help clients navigate critical enrollment dates. 
5. Ongoing Support
Using a licensed insurance agent does not end after selecting a Medicare plan. Agents provide ongoing support for their clients, assisting with any questions or changes in circumstances. 
6. Cost Savings
Agents often have insights into the most affordable plans available to meet a client’s needs.
7. Help with Claims and Problems
When issues such as claim denials arise, agents can advocate on behalf of their clients. This empowers clients to resolve problems more efficiently than if tackling them alone.
8. Future Planning
Health needs can change over time, and a licensed insurance agent is well-equipped to help clients plan for these potential shifts. 
9. Unbiased Advice
Agents are trained to give unbiased advice aligned with the client's best interests. 
10. Peace of Mind
The complexities of Medicare can cause stress, and licensed agents alleviate this burden by ensuring a smoother experience.

Debra Gonzalez · Answer

Working with a licensed experienced agent allows you a more relaxed and personalized experience. 
You have someone you can call who will be there to assist you and answer all your questions.

Pamela Cook · Answer

Agents are usually licensed and appointed to sell for more than one carrier. 

Agents are more personal.

Nick Calderon · Answer

Working with a Medicare Broker can help you see the different types of plans in your area. Many Agents may work with only one or two carriers, but brokers usually work with multiple carriers, offering more personalized care options. Medicare can be very confusing, so whether you work with an Agent or Broker, it is best to seek the assistance of someone who is experienced in their field and can help you find the option that fits your personal needs for care.

Roland Williams · Answer

Medicare can be a complicated and confusing system. A good agent can explain everything clearly and help you see all your options.

Debbie Fischer · Answer

When you work with an agent, you get your "person" who has your back when you start running into walls.  You are not a just a number on the commission sheet.  You will build a history with them, and they will be there for you when you need them most.

Jared Johnson · Answer

Working with a Medicare agent is essential because we work hard to bring clarity, accessibility, and simplicity to the complex subject of Medicare. With so much limited information from the many commercials on TV, and the endless misinformation and disinformation from call centers and spam calls, having a local and personal agent in your corner allows our seniors to be empowered because they have someone with expertise in the Medicare field who will be open, honest, and readily available to them for guidance. This will lessen the opportunity for our seniors to be taken advantage of and overwhelmed with information that they may not understand, which in many cases can lead to less than stellar decisions due to dishonesty and lack of transparency. We want our seniors to be protected, informed, and empowered and having an expert personal agent is a great start in that direction!

Brenda Skasko · Answer

To ensure you have the most updated education based on your sitation, concerns, and goals, in order to make a (more) informed decision.

Guillermo Linares · Answer

Medicare can be confusing and difficult to understand, having an agent like me, will give you a better way to understand Medicare and also and easy way to navigate around the multiple options that the market offers to each client.
Other reason why working with me will be a good asset for you are: help you to compare plans, avoid mistakes, Save money (you do not have to pay me), personalized help, I know well the local market and last but not least pace of mind.

Sandra McDowell · Answer

You work with an Agent because they are able to educate you on what your needs are and they should keep in touch with you thought out the year to ensure nothing has changed. Don't wait for open enrollment.

Rhea Jennings · Answer

A Medicare agent simplifies your options, compares plans for your needs, helps you avoid costly mistakes, and supports you year-round at no extra cost.

Darryl Anderson · Answer

Medicare is an ever-changing landscape. It's great for you to have an advocate to help you navigate through the journey of selecting a plan and then to help you with any issues that may arise later

Oruchi Opara · Answer

Working with a Medicare agent provides personal assistance in navigating numerous plan options, enrollment periods and rules that exist with Medicare. 

With an agent by your side, one will be able to compare multiple plan options available  from different insurance companies ensuring that you’re well educated about your benefits before you enroll and have their ongoing support after enrollment

Alex Johnson · Answer

The personable treatment a good agent gives to his/her clients. 

You will always reach the same agent once you have their contact information for future use. It’s easier to talk to someone who will treat you like family!

Jan Mobley · Answer

Good Afternoon Medicare Beneficiary!  

In our ever-changing world, insurance is one of the most challenging.  When I became an agent many years ago, products were limited and much simpler. The brighter side, though, is that now there are numerous options, including more safeguards, which greatly protect the consumer.

Working with any professional, a high level of trust and knowledge is key to the relationship.  Medicare agents are required to recertify every year with every insurance carrier and pass the Mastery Exam with a 90% or better.  This requires diligence and focus. Yes, it is work, but it places Medicare agents in a position of higher learning and more accountability.

Another interesting point I always like to share is that the carriers add new benefits to the plans and remove others EVERY year.  Yes, they send you a book that is sometimes impossible to comprehend, with all the acronyms and lingo.  It only references THEIR product with no side-by-side comparison to other options for you to consider. 

Our health changes, so we should always consider options.

By the way, the TV commercials will lead you to believe there are freebies for you to get you to an agent so they can sell you something.  Somebody's got to pay for those!

I hope each one of you finds the agent you can trust that has more than one carrier, so you have more options and will spend time reviewing with you every year!

 Jan

Heather Peterson · Answer

A Medicare agent can help find a plan that is the best fit for you based on your personal needs. Agents, like myself, often work with multiple carriers so you are able to explore all of your options.

Geannine Dickinson · Answer

Service by Real People—No Robots
Ever found yourself yelling “REPRESENTATIVE!” into your phone after being stuck in an endless loop of automated messages? You’re not alone. When you choose a local Medicare agent, you get a real person on the other end of the phone—a friendly face who remembers your name and your preferences.

Quick Change? Easy!
Maybe your situation changes—a new doctor, a prescription you didn’t expect, or just an adjustment to your coverage. With a local agent, it’s as simple as making a call or stopping by their office to find all options available to you.

Local Knowledge Leads to Informed Decisions
Your local Medicare agent understands your area and knows what options are most popular and effective for people just like you. They have an ear to the ground when it comes to hospitals, clinics, and specialists around town. When you mention “Dr. Smith down the street,” they’ll actually know who you’re talking about!

Plan Comparisons made easy
Online options might give you a long list of plans, but they don’t always explain the differences in a way that’s easy to understand. A local agent can help compare plans side by side, show you what you get, and ensure there are no surprises. 

There When You Need Them 
Having a local agent gives you someone to reach out to, whether you need support during open enrollment or have questions later on. They’re there to guide you and help you steer clear of any issues that may come up.

No Pressure—Just Helpful Advice, All Centered Around You 
Many online services try to funnel you into a specific plan, one that might not be the best for your needs, but works out

Liza Carroll · Answer

Medicare can be complicated. The last thing you need to stress over when planning your retirement is choosing the right Health Insurance.  

Our services are completely complimentary to our clients. We make it easy by taking you through a simple, proven process so the you'll understand what Medicare covers, what it costs, and your best options to fill the gaps.

Undria Dixon · Answer

Working with Medicare agent makes it an experience that is more tailored to the individual on a personal level. You won't be entered into a plan because it's a more popular plan.

Michael Aleksick · Answer

I am here to guide you with you in mind. I want you comfortable and confident with your decision when it comes to your Medicare health care. I will give you all information and plans available so you can make an educated and confident choice.

Pouchon Savion · Answer

Working with a Medicare agent can save time, reduce confusion, and help you get coverage that fits your health needs and budget. 
Agents can explain options clearly & translate Medicare Parts A/B/D, Medicare Advantage, Medigap, and enrollment rules into plain language.
Personalized plan matching,they can evaluate your prescriptions, providers, health needs, and budget to recommend plans that minimize total out-of-pocket cost (premiums + deductibles + copays + drug costs).
Help with Part D formularies and drug costs: Agents compare drug formularies, tiers, and pharmacy networks to avoid costly surprises.
Most importantly once you pick a plan someone to ask questions anytime.

Sandra Stevens · Answer

Working with a Medicare agent will help you to simplify your decision making.  An experienced agent can easily explain the key differences in your options to help sort things out for you.  Plus, as a caring agent, I'm personally happy to spend the extra time finding out about the services you'll be needing to have covered and what's most important to you.  We'll work together as you use your plan, providing assistance with contacting the insurance company when questions arise and review your changing needs each year.  It's more than a one-time choice, it's a helpful working relationship!

Stephanie Noel · Answer

As a licensed Medicare agent, I can help you navigate through the plans available to you and help determine the absolute best plan for you and your situation.  There is no need to go through it alone.  There is never a fee for my services and no obligation to choose a plan.