What are the red flags I should look for when interviewing agents? I want to make sure I'm not just getting sold to but genuinely advised.

Question

Cleo Martin · Accepted Answer

I would find out how long they have been selling Med supps and Medicare Advantages and why they like this market. I would also have them explain the difference between the two. Can they do it in a way that you understand stand it. I would also like to know how many companies they represent.  If just one then that's all you will get told about. They should also be asking you questions about your doctor's, like their names. Plus the drugs you are taking and what your specific health situation  is.  They should be asking questions to find out what your enrollment situation is. The health situation will tell them what you may or may not qualify for.  By getting these questions asked hopefully it will give you a better feel of the agent and if they can assist you or not.  
Cleo Martin

Gary Church · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/what-are-the-red-flags-i-should-look-for-when-interviewing-agents-i-want-to-make-sure-im-not-just-getting-sold-to-but-genuinely-advised#gary-church

Steve and Sue Brauer · Answer

The biggest red flag when you're interviewing agents is to ask them what other types of insurance do they provide. If they tell you that they can do multiple types of insurance, you're not dealing with a specialist. Secondly, you have to make sure that they are an INDEPENDENT agent... meaning they are contracted with many insurance companies and not tied to one or two. You want a SPECIALIST, not a GENERALIST

Answered by Steve and Sue Brauer on April 13, 2025

Broker Licensed in AZ & CA

Answered by Steve and Sue Brauer Medicare Insurance Agent

Mike Alexander · Answer

1) Always use an independent agent who represents you and not an insurance company
2) Never use a Captive Agent who only represents one company 
3) Never use a Call Center agen
4) use a local agent who is nearby who you can reach when needed
5) a good agent will do a needs assessment before he talks with you

Daniel Brechin · Answer

That is easy,  Everything needs to be explained and how everything works.
Most agents today come in and are out in 30 min.    I spend what ever time is required by you.

Norman Smith · Answer

Personally, when I sit with someone, I adopt the attitude that I'm not trying to sell you, but rather to have a thoughtful conversation, address your questions and concerns, and provide answers through information and real-life examples. By the time I'm finished with our appointment, you will have found the information on me as the agent, the company I represent, the product(s) recommended for your situation, the pricing for that decision, and the differences between my company and my competition. At that time, you choose to buy that from me or not. If you feel you are being sold, then you probably are. 
Also, I try not to disparage any of my competitors. Although I feel my company is superior, I am confident in my servicing and the support I receive from the policies I sell through my company are the best; there are some very good companies out there. I don't like working with someone who puts down others. 
Lastly, are they willing to show you rate sheets of how their company has performed over the past number of years, and their ratings with AM Best, which is how you measure Insurance companies.

Lt Col Tim Brown · Answer

Someone that’s been doing it awhile. I’m in this business 36 years now. A new agent doesn’t have a lot of experience. Someone who is a captive agent, meaning they work for one company, they can only offer the one or possibly two companies. That’s not enough. You need someone you feel comfortable with.

Answered by Lt Col Tim Brown on April 3, 2025

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

Answered by Lt Col Tim Brown Medicare Insurance Agent

Terri Reagin · Answer

So here are my recommendations for when looking for an agent. First of all, I would try to find somebody local to your home if possible. You can do that by Googling "local Medicare agent" and then putting your city name behind it. Also, look to see if they have Google reviews. Do they have a local office, a local presence? Those are going to be your well-established agents that have actually had customers who can verify they had a happy experience with them. So that would be the first thing I did. The second thing I would do is make sure they're following the Medicare rules. Did they ask for a scope of appointment, which Medicare requires for all Medicare recipients? Ask them if they are a broker or if they only carry one company as a dedicated agent. I may be a little biased, but I think a broker is going to be able to give you more choices because they have several companies to choose from. You may want to ask friends and family who they might recommend because these days just about everybody knows somebody in this industry. And then, anybody that is legitimate can prove who they are. They can show you their license. They can answer questions about themselves and their business without getting defensive or hostile. So those would be the things I would be looking for if I myself was looking for a Medicare agent. I hope this helps.

Christopher Boyd · Answer

First and foremost, are they showing you Medicare.gov and letting that be the unbiased source of their recommendations? If not, leave immediately.

Ann Sanfelippo · Answer

Great question — and a smart approach. Red flags include an agent who pushes one plan immediately without reviewing your doctors, prescriptions, and budget. Be cautious if they focus only on “zero premium” or extra benefits without explaining deductibles, networks, prior authorization, or out-of-pocket maximums. An agent who avoids discussing Medigap vs. Medicare Advantage trade-offs or won’t explain commissions and carrier relationships may not be giving balanced advice. A good advisor should compare options objectively, explain downsides clearly, and encourage you to review plan documents before enrolling.

Answered by Ann Sanfelippo on February 16, 2026

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

Answered by Ann Sanfelippo Medicare Insurance Agent

Charise Karjala · Answer

I love this question: what are the red flags when I'm searching for a broker to help me with Medicare? Well, the first red flag is if you can't find them anywhere on the internet and they don't exist. That's a red flag for sure, because that means they don't have a presence. They work behind something else. They may not even be an agent; they may be an agent assistant. And certainly, search their Google reviews. If they don't have five stars, that means they've really made somebody pretty mad at some point and haven't done right by somebody. And I don't want that to be you.

The third red flag is if it starts to feel like a timeshare pitch, right? They're trying to hard sell you on one plan, maybe two plans, or maybe the 12 plans that are all the best from the same company. By the way, no one company does everything the best. You need to look for an agent that represents at least five companies. There's at least ten companies in any given area, and half of them usually don't do a good job. Most brokers will pick the top five or maybe six or seven, just to be able to keep an eye on the ones that do bad work so that they can understand what they're doing.

And I have my least favorites. If you ever ask me, I will share with you other red flags. Oh, if they insist on coming to your home, they send you a little card in the mail saying, "Oh, I can come and help you," and you've already bought a plan and said, "Oh, I'll come and see you." There's ethics within our industry. So are you already working with an agent? Well, why have you not gone back to that agent? That's what we do. We honor the professionals that are in our community, and we encourage them to continue to have communication with their clients. Sometimes things happen. If that answer is, you know, they died or whatever it was, well then fine, I will talk to you. But I'm going to ask you that question because it's a courtesy.

So that's the other element of courtesy. And if that agent doesn't have the courtesy to ask you to come and have a cup of coffee in their office because they don't have one, or they don't have the courtesy to do anything other than meet you at your home or in a car at a coffee shop, go somewhere else. How are you gonna be able to really? And how am I going to be able to understand you if I go into your house with your dishes and your pictures of your grandchildren? I'm getting a lot of data that honestly, people in the sales industry, they use that against you. I don't want you to feel like that. I want you coming into my space so you can understand who I am and how I look at your world, because how I look at your world is important. I'm going to be helping you for a very long time.

Tony Capraro III · Answer

Medicare agents hub, you have questions, we have answers. One of the red flags to look for when interviewing agents is making sure you're not just getting sold, but genuinely advised. Aha, smart consumer. What you want to do is deal with someone like myself here at my State Farm agency on Kelly Street in Manchester, who can offer both Medicare supplement, or Medigap, and Medicare Advantage. We have no preconceived notions of what you need or what you want. We go based on your goals and objectives. More importantly, we will give you all the ins and outs of original Medicare parts A and B, how they work, what the deductibles are, and what the out-of-pocket costs are. Then we will educate you on Medicare supplement, or Medigap, and Medicare Advantage. We will give you the pros and cons of each. Again, we have no preconceived notions. We are not required to sell one over the other. So we give you great information so that you can make a good decision for you and your family. The other question I always ask is, at age 65, who do you know whose health gets better as they get older? Medicare is an extremely important decision. You need to make the right one. So be advised, and I'd love to help you with that.

Clarence &quot;Mark&quot; Christiansen · Answer

Experience matters. Ask your agent how long they've been in business? What percent of their business is Medicare (important!). Have your agent provide you with the names of the states where they're licensed and list the Medicare plans they are licensed / appointed to sell in your resident zip code.

Answered by Clarence "Mark" Christiansen on April 3, 2025

Agent Licensed in WI, AZ, CA & 16 other states

Answered by Clarence "Mark" Christiansen Medicare Insurance Agent

Lauren Fodde · Answer

Great question — you deserve advice, not a sales pitch. Some red flags to watch for are agents who push one company without showing you multiple options, avoid answering your questions directly, or pressure you to sign up quickly. A good agent will take time to understand your doctors, prescriptions, and budget, explain the pros and cons of each plan, and make sure you feel confident in the decision.

Answered by Lauren Fodde on September 24, 2025

Broker Licensed in MO & FL

Answered by Lauren Fodde Medicare Insurance Agent

Steven Whetstine · Answer

It is important that an agent get to know your situation or needs before offering any product or service.  

If an agent automatically offers a product without asking you any questions, it may be a good idea to part ways with that agent as they are not looking out for your interests.  There is a good chance that the agent may be steering you to a plan that is going to give them the most commissions.  

If an agent seems overly aggressive or pushy, that would be a concern.  It is important to know key dates and important deadlines as it relates to making Medicare decisions.    

Also, it is important that an agent takes the time to answer all of your questions.  

If the agent is not willing to answer your questions, then they are also not likely going to advocate for you when you enroll in a plan with them should you need service or assistance in the future.

Marsha Reiniers · Answer

My advice is to find an agent who truly listens to you and your specific concerns. And one who responds in a timely fashion and asks questions so they can present the plans that will meet your specific needs. There is no ‘one size fits all’ plan, and the agent should spend as much time with you as you need … and not rush you into a plan decision.

Answered by Marsha Reiniers on July 1, 2025

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

Answered by Marsha Reiniers Medicare Insurance Agent

Carly Cusack · Answer

I would trust your intuition. When people talk at you rather to you, that's usually a red flag for me. I also like people that educate me on options versus trying to push on certain plan.

Sandra Teel · Answer

Very good question.  Be aware of agents that can only sell one type of Medicare plan or an agent that only works for one insurance company. You don't want to get railroaded into something that might not be your best option.

When you are looking into Medicare insurance options, you need a Broker.  Brokers are contracted with several different insurance agencies and can offer information on all types of Medicare insurance options.  

A Medicare Broker who offers all the Medicare options has more training with Medicare and is able to explain the differences between the different types of plans available in your area. 

There are pros and cons to each type of plan. A good Broker will take the time to explain each one to you, so you can make the choice of what works best for your situation. 

If you have questions, please feel free to reach out to me.

Tyler Haskell · Answer

Make sure the agent is going over Medicare advantage plans and Medicare supplement plans. Have them go over the pros and cons of each (hint: medicare supplements don't have many cons other than the premium). If you do like the Medicare supplement route, have them give you a few different quotes from different companies and have them explain the difference and why each company is priced accordingly. Medicare is very complicated if they are teaching you about all the different options so you can understand, you should be in good hands. If you feel like you are being sold something, that's probably a bad sign. Think of the agent like a consultant, they should be showing you all the options and letting you choose which one you like best.

Answered by Tyler Haskell on March 9, 2026

Broker Licensed in UT

Answered by Tyler Haskell Medicare Insurance Agent

Joseph Lipski · Answer

Personally, I talk to people like they are people. I never lead with "Benefits", when the client wants a Medicare Advantage plan. I always let them know that the plan is no good if their doctor/doctors do not take it. I also let potential clients know that I work for them and they are my priority. You need to make sure the agent makes you feel comfortable.

Answered by Joseph Lipski on September 11, 2025

Broker Licensed in NJ, CA, DE & 17 other states

Answered by Joseph Lipski Medicare Insurance Agent

Jillian Bellinger-Laing · Answer

Good afternoon. Make sure the agent is listening to what you are looking for in a plan. Make sure they are explaining how Medicare works and showing all of your options, this way you can make an educated decision. A big red flag would be if they are just pushing one company or plan.

Answered by Jillian Bellinger-Laing on May 19, 2025

Broker Licensed in PA, DE, FL & 6 other states

Answered by Jillian Bellinger-Laing Medicare Insurance Agent

Jason Miller · Answer

While I am sure the telephonic agents will disagree, one of the most important characteristics of an independent agent is that they are accessible face-to-face. If you know where to find us and can speak to us in person, it does lend a lot towards credibility. I know a number of telephonic agents that are very honest and reputable, but they are the exceptions - not the norm. Not having a physical office location should generally be a red flag.

Answered by Jason Miller on June 1, 2026

Broker Licensed in AZ

Answered by Jason Miller Medicare Insurance Agent

Jackson Stodgel · Answer

A great agent should clearly understand the Medicare products, companies, providers, rules, and current strategies. This way you know you're getting real guidance, not a sales pitch. They should be able to explain options in a way that makes sense and aligns with your goals, not just what they want to sell. And if they don’t know an answer, they should humbly say so and point you to the right resource instead of guessing.

Answered by Jackson Stodgel on December 2, 2025

Broker Licensed in FL, CA, IL & 12 other states

Answered by Jackson Stodgel Medicare Insurance Agent

Krissy Tenhagen · Answer

This is a common question, so here's a short video of what to look for and avoid.

Medicare Broker: Key Factors for Choosing Wisely on YouTube.

Tyler Boren · Answer

A big indicator would be if the agent is solving your problem and listening to your concerns you are expressing.

Victor Fuentes · Answer

When looking for a Medicare agent it is important to choose someone who will guide you rather than just sell a plan. 

A good agent will be knowledgeable about Medicare parts A, B, C, D and Medigap and will take the time to answer your questions clearly. The agent should be transparent about costs and benefits and willing to support you even after enrollment.

Avoid anyone who makes unrealistic promises guarantees approvals or misrepresents coverage A trustworthy agent focuses on helping you make informed decisions that fit your needs.

Most importantly, beware of the calls from 800 numbers.

Source Centers for Medicare and Medicaid Services CMS How to Choose a Medicare Plan
https://www.medicare.gov/basics/medicare-basics

Steven Bleicher · Answer

As long as you ask an agent if she/he is a “captive agent” & immediately gives you an answer, you may trust that agent due to the lack of hesitation. Though now you must be “on guard” since if the reply is yes, they only work for one company! This signals you to interact with at least two more agents who are not captive. In this way, you should get a well-rounded synopsis of the Medicare system. In effect, a broker or independent rep is a better bet since there is “no cookie-cutter” answer to your top choices. It has to do with your own health, your family history of longevity, your finances and surely NOT the least expensive premium!

Answered by Steven Bleicher on June 2, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Dana Dane · Answer

Instead of looking for red flags (If one is a hammer one tends to look for nails.), instead I would focus on important attributes. Are they an EXPERIENCED agent - how many years have they been in business? Does the agent have access to MULITPLE COMPANIES and access to multiple plan types? Is the agent LISTENING to your concerns? Ask yourself, would you invite them to your home or would you hire them if you were an employer?

Answered by Dana Dane on April 18, 2025

Agent Licensed in OR, AZ, CA & 6 other states

Answered by Dana Dane Medicare Insurance Agent

Terry Salak · Answer

As an independent agent, and owner of a family-owned agency, the most important aspect is to have an agent that is going to educate YOU on the complicated world of Medicare and to be there to help you navigate this process long after your enrollment is complete. 

To me, it is important to understand the specific needs of each client as there are never two clients who are exactly the same.  I like to know what each client is expecting with their Medicare insurance coverage, what is important to them and what they can/cannot live without.

Reviewing all Dr's and medications is also very important so you can understand what plan(s) will/will not work for them.  And this review should not just be done when someone is NTM (New To Medicare), but annually so, as an agent, I know if the client has had any changes to their profile that I may need to be aware of.  As Dr's/medications change Y2Y for people, these same elements can change Y2Y on MAPD plans as well as PDP plans.

Do not allow yourself to get involved with an agent who is only going to be around to write you application and then disappear.  Find an agent who you know where be there to work with you for the long haul.

Melanie Blackston · Answer

First, I would recommend looking at their company website and check their personal google reviews.  

Red flags would be calling outside of the USA, and having a language barrier as well. If they do not take the time to get your doctors information to check in network's or prescription's to check cost with the plan they are recommending to you, I would be careful.

Marnie Applegate · Answer

If the agent doesn’t start off by asking you about your doctors, your medications and what you can afford that could be a concern. You ideally want an agent that offers several different companies plans and that definitely doesn’t pressure you to make any decisions on the spot. You also want an agent that make sure you understand what they’re explaining, and it goes through the coverage details thoroughly

Answered by Marnie Applegate on October 3, 2025

Agent Licensed in TN, AL, GA & TX

Answered by Marnie Applegate Medicare Insurance Agent

Kelly Linster · Answer

I would focus on the agents that educate first, sell second. Education is very empowering when it comes to which plan you must choose upon being eligible for Medicare.

Frank Woerner · Answer

1. If they're calling you. Are they a local agent, or distant person you may not hear from again.
2. Years of experience?
3. Do they have the ability to meet face to face with you? This may or may not be a consideration.
4. Are they an agent working with one company or a broker, working with many.

Hudson Albert · Answer

That’s a great question—and honestly, you should interview your Medicare agent just like you would any professional advisor.

Here are some red flags to watch for:

• They pressure you to enroll immediately — A good agent educates first. If someone says, “You need to sign today or else,” be cautious.

• They only talk about one company or one plan type — Ask: “How many carriers do you represent?” If they only push one option repeatedly without discussing alternatives, that’s a concern.

• They avoid discussing disadvantages — Every Medicare plan has pros and cons. If everything sounds perfect, you’re probably hearing a sales pitch rather than advice.

• They don’t ask questions about your doctors, medications, budget, travel habits, or healthcare needs — Medicare should be personalized. An agent who doesn’t ask questions may be matching you to a commission—not your needs.

• They cannot clearly explain costs — You should understand premiums, deductibles, copays, maximum out-of-pocket costs, and provider networks before enrolling.

• They discourage you from comparing options — A trustworthy agent welcomes questions and comparisons.

• They ask for sensitive information too early — Be cautious if someone immediately asks for banking information, Social Security numbers, or Medicare numbers before explaining why.

• They disappear after enrollment — Ask: “Will you help me after I enroll if I have questions or problems?” Service after the sale matters.

Questions you should ask an agent:

✓ How many insurance companies do you represent?
✓ How are you compensated?
✓ What happens if my doctors leave the network?
✓ What are the biggest downsides of this plan?
✓ Will you help me during Annual Enrollment or if I need changes later?

A good Medicare agent should make you feel more informed—not more confused or pressured.

Brian Leichner · Answer

Ask to see their copy of your written permission to contact you. It is illegal for someone to contact you without your permission. That's first clue. Ask for a copy of their current Medicare Certification. It is a certificate from AHIP or NABIP. If they are not currently certified you are probably dealing with someone that can only sell a small percentage of your choices and may only sell one company. You may not even see your alternatives, prices or options. Lastly, look at the Department of Insurance website for complaints. Obviously, if you are "pressured" in any way; pressured to make an appointment, a decision, or choice, then terminate the call or tell the agent you will find a Certified, licensed agent, that has no complaints and successful enough to not apply pressure.

Answered by Brian Leichner on June 27, 2025

Agent Licensed in NE, AZ, CO & IA, KS, MO & TN

Answered by Brian Leichner Medicare Insurance Agent

Sharon Bohlen · Answer

A quality agent will work in your best interest. She should do a thorough review of your healthcare needs without asking personal questions about medical conditions. She should ask what you value in a healthcare plan, and gather information about what you like and don't like regarding your current plan. There should be no pressure to enroll in a specific plan.

Answered by Sharon Bohlen on August 21, 2025

Broker Licensed in OH, FL, IN & KY

Answered by Sharon Bohlen Medicare Insurance Agent

David Wylly · Answer

1 - Are they a broker or a "captive agent" only representing one company.  You should be looking at everything in the market not just one carrier.  That is why you want a broker in your corner.
2 - Do they also sell Auto & Home? Annuities? Life insurance? Long Term Care?  Many agents are doing anything & everything and lack focus.  We only do Medicare and would suggest a specialist is what you should look for in this world and not a "Jack of all Trades."
3 - Do they only want to talk about Advantage Plans?  You should be looking at all of your options.  Advantage Plans definitely have their place in the market but they pay double the commission of supplements.  That can incentivize bad behavior and they may be looking out for their own wallet and not your best interests.

Fred Manas · Answer

Here are some key red flags to watch out for:
Overpromising and Underdelivering: Be wary of agents who make unrealistic promises, especially regarding inflated pricing or guaranteed quick sales. A good agent bases their recommendations on data and provides a clear marketing plan, not just optimism.
Poor Communication and Responsiveness: A major red flag is an agent who is hard to reach, slow to respond, or provides vague answers. Effective communication is essential for a smooth transaction, and a good agent will keep you informed and address your concerns promptly.
Lack of Local Market Knowledge: An agent who doesn't understand the specific market dynamics of your neighborhood or area may not be able to effectively price, market, or negotiate on your behalf.
High-Pressure Tactics: Avoid agents who pressure you into making quick decisions, whether it's about making an offer or accepting a deal you're uncomfortable with. A good agent respects your timeline and provides guidance without forcing your hand.
Lack of Transparency or Dishonesty: An agent who is evasive about fees, hides information, or seems less than honest is a clear sign to reconsider. Transparency builds trust, and a trustworthy agent will be upfront about all aspects of the transaction.
Ineffective Marketing Plan: If an agent can't clearly articulate their strategy for marketing your property, or if their online presence and past listings are subpar, they may not be equipped to attract the right buyers.
Unprofessional Behavior: This includes showing up late, being unprepared, or displaying a lack of respect for your time or preferences.
Negative Reviews or Poor Reputation: Check online reviews and ask for references from past clients to get insights into the agent's performance and reliability.
Focus on Self-Promotion over Client Needs: Be wary of agents who seem more interested in promoting themselves than in helping you.

Gary Henderson · Answer

An agent should ask you what's your monthly income is so that they can Target plans that you can afford 
Red flags would include selling you the most expensive plan for Medicare supplements and Medicare drug plans 
Selling Medicare advantage plans with very high out-of-pocket cost in other words over $600 or $7,000 a year 
You can do a little bit of your own homework by going to medicare.gov and seeing what plans are available in your area 
Medicare supplement plans are the best coverage plan n is the most cost effective coverage for supplements 
Medicare advantage plans vary widely and you should not be taken in by any perks. Like give back on your part B payment because that means they're going to raise the max out of pocket to a higher level which means it cost you more money if you get seriously ill

Adam Ernst · Answer

Make sure the agency is reputable and has been in business for a longer period of time. Find out who does their supplements. For example, I worked for Bankers Life that has been around since 1879. We do our Medicare Supplements through Washington National, another long-standing company. We also cover all areas of retirement planning with financial advising in there. We sit down and do a holistic approach to their financial situation so we are not just making a sale then leaving.

Answered by Adam Ernst on December 11, 2025

Agent Licensed in NC, SC & TN

Answered by Adam Ernst Medicare Insurance Agent

Toni Cormier · Answer

.  Have they followed the appropriate guidelines of communication with me ie... Scope of Appointment, etc...
2.  Do they have access to a vast array of plans and not just 1, 2, or 3.  If there access to plans is limited did they inform you that they are only contracted with a few and may not have access to the best plan for you.
3.  Are they asking questions that would give them a clear picture of your needs and desires to help them identify the best plan for you.
4.  When asked

John Motsinger · Answer

A good agent is going to explain to you the difference between Medicare supplement and Medicare advantage and let you choose what's best for you. If they try to funnel you in one direction without explaining the other, then you need to find another agent.

Answered by John Motsinger on August 31, 2025

Agent Licensed in KY, CO, FL & 9 other states

Answered by John Motsinger Medicare Insurance Agent

John L Herman Jr · Answer

Building trust starts at the first call.  Let the Broker know your concerns then sit back and listen.  The Broker should share their background…show their License when requested…offer references if necessary. The “rede flags” are failing to produce their License, failure to explain how the process works to obtain Medicare and then ask the appropriate questions of the client.

A key “red flag” is if the Broker only works with one or two Insurance Carriers…the key to getting the best Plan for yourself is to work with a Broker Licensed and Certified by all of the Major Carriers in your area so you are not pushed into a Plan not right for you. And a Broker should never ask for or accept any fee for helping you as the Carriers will pay his or her fee.

Kathleen Gonzales-Byrd · Answer

1) They ask you alot of questions regarding your medical status, costs, goals
2) They listen to you and remember what you say and understand what is important to you
3) Understand your budget
4) They begin to look at plans that fit with what you have communicated 
5) They are not in a hurry to enroll you; they are patient
6) It does not appear that they are pushing one plan over another
7) You become more knowledgeable about Medicare because of their education
8) They offer you various options based on the information you have provided
9) You feel comfortable and knowledgeable about your options to make a decision
10) Your stress level about the complexities of Medicare have been greatly reduced because of the agent

Thermon Holliday · Answer

There are varieties of "agents" within Health Insurance.  When looking for a Medicare agent, I would first make sure they are independent and not captive.  Captive agents, are licensed but only represent one carrier.  Independent / Broker agents will represent more than one carrier.  Secondly, I would always ask if the broker has a favorite plan choice and why.  Finally, I would inquire about the broker's length in the industry?  

TRH Insurance, we're here to help.

Greg Strasma · Answer

Ask them these questions:

1.  How long have they been selling Medicare Insurance?
2. Are they working from a Call Center?  Most call center agents only care about making the sale and earning commission.  They don't care about you personally and if you ever needed to reach back out and talk to that same agent, you won't be able to do so.
3.  Do they seem pushy and want to rush you into one plan?

I am not a pushy salesperson.  I will present to you the most comprehensive plans available to you and will let you decide which plan you want based on your individual needs.

Frankie Cochran · Answer

you need to make sure that whoever you work with has a servants heart and wants to truly advise you down the path that better fits your needs. we may not pass underwriting for certain types of policies so you need someone that has multiple options so that if you need to make a change you don't have to talk to anyone else but stay with one knowledgeable agent for all you senior benefits keeping you from having to keep up with multiple people handling multiple products. have one person that is knowledgeable and availability to a suite of senior benefits that can cater to your specific needs year after year

Answered by Frankie Cochran on April 14, 2026

Agent Licensed in GA

Answered by Frankie Cochran Medicare Insurance Agent

Angelina Watkins · Answer

The biggest red flag to look for is INDEPENDENCE. Are they an agent who is independent and can shop the best plan for you (Medicare Supplements, Medicare Advantage and Part D plans). You don't want to work with an agent who is captive and can only sell you their company's propriety plans. Length of time in the business is another good factor but not a guarantee they will give you the best service.

Answered by Angelina Watkins on November 20, 2025

Agent Licensed in OH, FL, GA & 5 other states

Answered by Angelina Watkins Medicare Insurance Agent

Chris Lewis · Answer

Are they overselling the over-the-counter card/food card and not doing a thorough explanation of the plan benefits. Did they do a needs assessment with you to understand who your doctors are, meds you are taking, travel plans, financial expectations? Did they fully explain pros and cons of Medicare Advantage versus Medicare Supplement plans as you are working to decide which works best for you?

Answered by Chris Lewis on March 10, 2026

Broker Licensed in AL & GA

Answered by Chris Lewis Medicare Insurance Agent

Babs Atwell · Answer

Always look for an agent with high recommendations by friends and family first and foremost. Then make sure they are contracted with the majority of the companies offered in your area to ensure an adequate review. Finally, make sure they are not pushy like a typical sales person. Those types of agents/brokers only have themselves in mind. You want to work with an agent/broker that takes plenty of time to explain everything and answer your questions. As well as someone who offers year round service after enrollment.

Answered by Babs Atwell on May 1, 2025

Broker Licensed in OH, IN, KY, MI & TX

Answered by Babs Atwell Medicare Insurance Agent

Uchennah Okafor · Answer

When their interest is more on the commission than helping the customer and they talk more of plans that pay more commission than focusing on the client's coverage need

Scott Klag · Answer

The agent must be asking questions about your particular situation, who are your doctors, what are your medications, etc. If the agent is just telling you about the health plan without this first step you are dealing with a Salesperson and not a professional.

Answered by Scott Klag on June 16, 2025

Agent Licensed in OH

Answered by Scott Klag Medicare Insurance Agent

Tameeka Johnson · Answer

Good Signs of a Trustworthy Agent

They take time to understand your health, budget, and doctor preferences.

They explain multiple options — not just one product.

They encourage you to take time to review materials.

They disclose who they’re licensed with and what companies they represent.

They’re transparent about their commission (if you ask).

They provide their license number and contact information in writing.
Ensure that you and your agent have a good dialect so that they know whats important to you. Are they responsive when you reach out? Are they actively advocating between yourself and the insurance companies? Do they seem genuine? These are all things that you want to pay attention to when choosing your Trusted Medicare agent

Wayne Hartzler · Answer

Are they a long term thinker (3-5yrs+) or a short term thinker(1-2yrs)? What part of the insurance business do they want to be in, P & C, Life, Health, Medicare, Retirement Planning? How long have they been licensed already and what have they done so far?

Answered by Wayne Hartzler on August 25, 2025

Broker Licensed in OK

Answered by Wayne Hartzler Medicare Insurance Agent

Mark Summers · Answer

If agent does not help you understand the difference's between Medicare Supplement and Medicare Advantage. Agent should help you uncover the pros and cons of both products. A red flag exists if you are presented with one but not the other.

Answered by Mark Summers on March 9, 2026

Broker Licensed in OR

Answered by Mark Summers Medicare Insurance Agent

Stacy Cogar · Answer

A good agent should be very thorough and go through all of your doctors and prescriptions. Verify any facilities or hospitals you prefer to visit. inquire about your dental, vision and hearing needs. Ask about travel frequency. A good agents' medicare review typically takes 30-45 minutes.

Answered by Stacy Cogar on March 16, 2026

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

Answered by Stacy Cogar Medicare Insurance Agent

Anthony Scott · Answer

A red flag to look out for would be if they don’t even attempt to do a full needs analysis of the prescriptions you take, your preferred pharmacy, Primary care Physician, specialists, Hospital… and don’t take the time to explain how Medicare works and what your options are.

Answered by Anthony Scott on June 28, 2025

Broker Licensed in CA

Answered by Anthony Scott Medicare Insurance Agent

Steven Rukhman · Answer

I would say length of time in the business, the online footprint and reputation and how you connected with the agent in the first place. If it came from a trusted referral, like a friend or a doctor, chances are that you will be in good hands.

Answered by Steven Rukhman on July 28, 2025

Broker Licensed in CA, AZ, NM, NV, OR & TX

Answered by Steven Rukhman Medicare Insurance Agent

Heather Johnson · Answer

Some of the biggest red flags that you should look for include:

1) Do they represent a specific carrier, like United Healthcare or Aetna or the like?
Those that represent only one carrier can not scrutinize benefits ensuring you get the best plan, year after year.

2) Do they attempt to sell you something the very first time they see you without a decent interview?
They do not have the necessary detail to your specific situation to fairly assess the best plan for you.

3) Are they pushy and overbearing or are they considerate and thoughtful?
If they come across pushy, they are only after one thing... the sale.  If they are thoughtful they are considering the big picture for your entire retirement.

Maci Mishler · Answer

If they cannot answer questions you have and it seems like they're fumbling and possibly giving you incorrect information that should be a red flag. If I have someone ask me a question I don't know I'll simply tell them I need to look into it and get back to them with the answer. I never lie to clients!

Answered by Maci Mishler on June 9, 2025

Broker Licensed in NE, AR, KS & MO, ND, OK & TX

Answered by Maci Mishler Medicare Insurance Agent

Barbara Hawes · Answer

Really good question!   
A responsible agent in my opinion will educate first and then let you decide what's best for you.   They need to learn about you a bit first as to what's important to you in a plan, what you expect, and then present the advantages and disadvantages of each type of plan.  Once you decide whether medicare advantage or medicare supplement, then the selections can whittle down to something more manageable.   You should never be pushed;   if you don't understand something then you need to get answers until you feel comfortable.  And after you enroll, that agent needs to be your right hand person to help answer questions, provide suggestions, or help mediate a solution if needed.

Megan Day · Answer

First of all I would definitely recommend that the agent is willing to get to know you on a personal level. They need to make sure that your top priorities are being aligned with your health care.
If the agent is not willing to explain your concerns then I would definitely look to another agent. Also do not give out your personal information over the phone.

Angela Olson · Answer

The # one thing I tell people is make sure they are educating you on ALL of your Medicare choices, not ONLY Medicare Advantage or ONLY Medicare Supplement plans. 2. Find someone who is broker and represents EVERY plan in your area so that they can really help you find the one best suited to you. 3. Make sure they provide a lifetime of free customer service. It's important! The last thing you want to deal with is a confusing bill while you are trying to recover from a painful surgery. 4. Make sure they help you review your policy yearly so that you can be confident knowing you have great coverage despite yearly changes. 5. Lastly, check reviews! It's important to know that they have a good reputation and that they actually do what they tell you they do.

Answered by Angela Olson on May 2, 2025

Broker Licensed in UT, AZ, CO & 5 other states

Answered by Angela Olson Medicare Insurance Agent

Tommy Lawson · Answer

I would look for someone who asks you more questions about your needs than anything else, like, do you travel often? are you having trouble paying for anything specific? When they show you top three options from different carriers is also a good indication that they are a good advisor.

Answered by Tommy Lawson on May 21, 2025

Broker Licensed in KY, CT & IN

Answered by Tommy Lawson Medicare Insurance Agent

Boris Mitnik · Answer

Do your homework: visit Medicare.gov to see the plans available to you in your area.
Pay attention to provider networks and benefits. Look over alternatives, like Medicare Supplement. Write down your questions. Find an agent/broker that represents at least five major carriers and ask your questions. If the answers make sense - buy.

Angelique Solomon · Answer

MmRed Flags When Interviewing Insurance Agents:
   •   Pushy sales tactics
   •   Vague or generic advice
   •   Won’t answer questions clearly
   •   Not licensed
   •   Only pushing one company

A good agent listens, educates, and tailors solutions to you.

Need a graphic version too?

Brian MacInnis · Answer

Great question, but a tough one to answer. I suppose the best way would be to be referred by a trusted family member or friend. If that's not possible, perhaps there is a local senior center where a local Medicare agent hosts Medicare 101 meetings, etc. If all the above fails, try finding an agent online who has some positive reviews and appears to have been in business for a while.

Answered by Brian MacInnis on June 17, 2025

Agent Licensed in PA, DE, MD & VA

Answered by Brian MacInnis Medicare Insurance Agent

Chryseis Griffin · Answer

Any agent who steers you in one direction to either Medicare Supplements or Medicare Advantage only; only listing the cons without mentioning the pros so you can make an informed decision; any agent who doesn't bother to check your doctors and medications before offering Advantage options; only focusing on the extra benefits without thoroughly going over the plan benefits.

Answered by Chryseis Griffin on August 26, 2025

Broker Licensed in AL

Answered by Chryseis Griffin Medicare Insurance Agent

Patti Bagley · Answer

You should avoid agents that do not do a needs analysis to help you determine the best plan for you. A good agent will ask about your health concerns, your doctors, medications and any services you utilize. They will also discuss your financial situation and disclose out of pocket costs with you. Your appointment should be about educating you on your choices and giving you all of the information required to make an informed decision about your healthcare. Red flags are someone who does not educate, does not want to give you time to think about your choice and does not ask the needed questions to get a clear picture of your situation.

Answered by Patti Bagley on May 20, 2025

Agent Licensed in PA & WV

Answered by Patti Bagley Medicare Insurance Agent

What are the red flags I should look for when interviewing agents? I want to make sure I'm not just getting sold to but genuinely advised.

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What are the red flags I should look for when interviewing agents? I want to make sure I'm not just getting sold to but genuinely advised.

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