What benefits are there to working with a Medicare Agent near me vs remote/virtual?

Question

Lynn Mut · Accepted Answer

There are many benefits to working face to face and virtually with a Medicare Agent.

A local can give a more personal approach.  Local agents understand the plans available in your specific area which includes doctors, hospitals, and pharmacies.  

I personally find, that local agents are extremely more helpful and responsive for follow up issues, claim help, and have a personal knowledge of your needs based on the relationship that is built.  A local agent also understands state specific Medicaid programs and Medicare Supplement and Medicare Advantage options in your state, since these benefits vary for each state.

In recent days, working virtually has become a favorite with my clients.  Having the flexibility to meet with my clients without travel time is a plus because it gives me the option to work longer hours and across state lines in different time zones.  If convenience, flexibility, and you are used to working with computers is appealing to you, working virtually may be the right choice.  Everything that is done in person can be done virtually as well.  

If you are looking for help, please contact me.  I would be happy to review and answer questions.

Larry Dalton · Answer

Medicare agents are not supposed to solicit customers without their permission. Therefore, it is essential that you feel comfortable with your agent and trust his knowledge and efforts to provide you with the best plan, for your future, not necessarily for the moment.

Answered by Larry Dalton on March 26, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent

Lt Col Tim Brown · Answer

To answer your question, let me use myself as an example. With me, you get 37 years experience and multiple companies. I have to rectify each year. Certs come up next month for the year 2026. Doing things virtually, either with someone else on the other end or by yourself leaves the door open to errors. Such as finding out if your doctors take the plan. Simple sounding but I know of people being provided a plan and the docs didnt take it. If you want to eliminate mistakes, talk to a professional.

Answered by Lt Col Tim Brown on June 16, 2025

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

Answered by Lt Col Tim Brown Medicare Insurance Agent

Norman Smith · Answer

Well, meeting together is always a more personal feel. You get to know your agent better than meeting through a Zoom or Teams meeting. Also, I come to your home personally to assist each year with the Part D, which can change yearly. In doing so we also stay on top of the changes in your life and adjustments to your needs that may have also changed!

Answered by Norman Smith on March 30, 2025

Agent Licensed in FL & PA

Answered by Norman Smith Medicare Insurance Agent

Tony Capraro III · Answer

IF you like the "face to face" meetings and contact-great! In 2025 we do "virtual meetings" with many folks who live 2 or 3 hours away and it works very well for all! All depends on YOUR preferences! Let us HELP YOU!

Answered by Tony Capraro III on April 15, 2025

Agent Licensed in NH & ME

Answered by Tony Capraro III Medicare Insurance Agent

Charise Karjala · Answer

Granular market specific information is only available through a specialist that works in your community. Meeting face-to-face with your agent is an important way to assure yourself that you were getting specific, relevant, verified and accurate information regarding your network of hospitals, doctors, facilities, and prescription drug delivery systems

Furthermore, your agent can get to know you, personally, and thereby understand your needs more thoroughly than a phone call or a Zoom call.

William Lawler · Answer

Working with an agent that is near you is convenient if you need to meet him/her face-to-face. If this is not important to you, an experienced agent can do everything you need from a distance (remotely). The greatest percentage of Medicare Agents work remotely and have never met their long-time clients in-person. Working remotely saves a tremendous amount of time for both the client and the agent. 
Here to help 636-500-1892

Brian Moore · Answer

As Ohio Medicare Plan, I stick to Ohio’s 88 counties because I believe local agents like me bring far more value with our deep experience in local networks and plan features—details call centers or virtual agents often miss or don’t fully grasp. I’m not licensed outside Ohio, and that’s by design; it lets me stay dialed into what matters most for my clients here. Plus, some clients prefer meeting face-to-face to build trust and get that personal touch, which I’ve seen makes a real difference.

Answered by Brian Moore on March 26, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent

Melonie Wood · Answer

I always recommend to clients to meet with someone in person as they are right there with the member, can answer questions, build a rapport & usually have free promotional stuff to give them

Misty Bolt · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/what-benefits-are-there-to-working-with-a-medicare-agent-near-me-vs-remote-virtual#misty-bolt

Clarence &quot;Mark&quot; Christiansen · Answer

Many people like to get to know who they are dealing with and the best way to do that is in-person. Everyone is different so as an agent, I try to be flexible. The prospect / customer "is the boss!"

Terri Reagin · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/what-benefits-are-there-to-working-with-a-medicare-agent-near-me-vs-remote-virtual#terri-reagin

Steven Graves · Answer

Medicare4USA.com               214-989-7900

Benefits of Working with a Local Medicare Agent:
Personalized In-Person Support
You can meet face-to-face, which can make complex topics easier to understand and questions quicker to address.

Better Knowledge of Local Providers
Local agents often know which doctors, specialists, and hospitals are in your area and in-network for various plans.

Assistance With Local Resources
They can connect you to nearby community services, support programs, and events tailored for seniors.

Help With In-Person Enrollment or Follow-Up
Some seniors prefer assistance completing paperwork or reviewing materials in person.

Trust and Relationship Building
Local agents often build long-term relationships, providing ongoing support year after year.

Benefits of Remote/Virtual Agents:
Convenience of scheduling calls or video chats from home

Access to agents who might specialize in niche plans or broader regions

Fast communication through email and text

Bottom line:
If you value personalized, face-to-face guidance and local expertise, working with an agent near you is a great choice. If convenience is your priority, virtual agents can also be very effective.

Would you like help finding a trusted Medicare agent in your area?  Call us at Medicare4USA.com      214-989-7900

Michael Denniston · Answer

An agent in the area should know all the plans available in that area, pros and cons. However virtual appointments are good to with an experienced agent that is an independent broker.

Nikki Rowland · Answer

Personalized, face-to-face service for one. Some clients feel more comfortable discussing their healthcare in person, especially when reviewing complex options.

Local agents often have deeper insight into area-specific plans such as provider networks, and state Medicaid programs.

The ongoing support and service I give. More accessible for follow-ups, annual reviews, or help with claims and appeals.

Meeting someone in person helps build trust as well. I love connecting with the people of my own community.

Ben Washington · Answer

What benefits are there to working with a Medicare Agent near me vs remote/virtual? You can talk and enroll in person only benefit. but has access to same  plan or you can get more options.

Richard Moreno · Answer

You will have a agent that is local and will know most of that plans that will fit the client. I wil take the time to know you personally and help with any needs or questions that will come up. I will be your advocate.

Answered by Richard Moreno on March 25, 2025

Broker Licensed in TX, FL, LA, NM & OH

Answered by Richard Moreno Medicare Insurance Agent

William Gray · Answer

There is really no advantage or dissadvantage of a local agent vs a remote agent. Let me explain there are tools that make the world a lot smaller now. 

If you have the proper license and contracts you may find that a VERY EXPERIENCED Broker will likely do most of their work remote. 

I will see most of my clients remote after 28 years of bellying up to the table I am at a point in my career where my phone rings and I don't chase new clients. I am able to offer my clients the experience of nearly 30 years of work. 

You may find a local agent who Is brand new who will drive hours to meet people at the table. This doesn't make them better it doesn't make them worse.  It simply is a different model.

Edward Smith, ChFC, CRPS, AIF · Answer

As an agent, I do both but I always offer in-home consultations. I think people appreciate being able to put a face to a name. It is comforting to know your agent cares enough to meet with you from time to time to help you.

Answered by Edward Smith, ChFC, CRPS, AIF on June 22, 2025

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

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

Marsha Reiniers · Answer

I offer a personalized consultation so we can design your health plan to meet your specific needs. I don't rush you to make a decision - you make your decision only after reviewing all your options, whether it be a Medicare Supplement plan or a Medicare Advantage plan. And once you become my client, I stay I stay in touch, following up to make sure you have your ID Card and understand how to access your benefits. And when Annual Enrollment starts in the fall, I reach out to you so we can review your plan, and we can make adjustments as needed each year.

Answered by Marsha Reiniers on March 26, 2025

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

Answered by Marsha Reiniers Medicare Insurance Agent

Dutch VanHoesen · Answer

A local broker can help you on an annual basis. He should be able to keep most of your information on a secure file in order to familiarize himself with your needs. Many people change their plans for coverage through the years. Local Brokers are more knowledgeable than someone not from the area. Many plans offer different benefits or cover niches that are not typically published.

Answered by Dutch VanHoesen on April 2, 2025

Broker Licensed in FL

Answered by Dutch VanHoesen Medicare Insurance Agent

Jonathan Potter · Answer

All agents local and remote can look up a doctor or medications for you. The real value in seeing a local agent is that they know the local networks of doctors and dentists that take the plan and a good agent can make recommendations because they have actual relationships with local physicians. 

It’s also nice to have someone that can drop off books and information to your home if they are close enough.

Michael Andrews · Answer

Local agents tend to be more familiar with their state's doctor and hospital networks which can be very helpful when reviewing Medicare plan options.

Bill Green · Answer

Working with a local Medicare agent means you get personalized, face-to-face support from someone who truly understands the plans and providers available in your area. At Green Insurance Agency, we’ve been helping people in our community navigate Medicare since 2014, and we know how to find plans that keep your doctors and prescriptions covered. Unlike a call center, you’ll have a dedicated agent you can meet with anytime, not just during enrollment. We’re available year-round to help with billing issues, plan changes, and any questions that come up. Plus, we host in-person educational events and offer free resources like our Medicare Breakdown book to make understanding Medicare easier. When you work with a local agent, you're not just a number—you’re a neighbor.

Answered by Bill Green on March 26, 2025

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

Answered by Bill Green Medicare Insurance Agent

Mitch Anderson · Answer

The most important part to consider is that your independent Medicare agent communicates well with you and is able to explain your options in an understandable and educational way. Working with a Medicare agent near you can be valuable because a local agent may have more detailed knowledge about local plans, networks, copays, etc. compared to an agent that is not near and less knowledgeable about local markets.

Answered by Mitch Anderson on July 24, 2025

Agent Licensed in MN, IA & WI

Answered by Mitch Anderson Medicare Insurance Agent

Daniel Maisel · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/what-benefits-are-there-to-working-with-a-medicare-agent-near-me-vs-remote-virtual#daniel-maisel

Steve Thornton · Answer

Working with a local agent gives you face-to-face support, personalized help with doctors and plans in your area, and someone you can count on year-round — not just during enrollment. They also know local programs that could save you money.

Virtual agents can be great too — just make sure they’re licensed in your state and familiar with your local options.

It comes down to what’s most comfortable and convenient for you!

Randall Taylor · Answer

Remote agents tend to have many more clients than local. Most do a good job. Even so, it's just business for them. Being local, I take a keen interest in the well-being of my clients all the time. My clients can call/text me anytime and they know that I'm going to quickly answer and address their concerns because I truly do care.

Answered by Randall Taylor on March 25, 2025

Broker Licensed in TX, MI & WI

Answered by Randall Taylor Medicare Insurance Agent

Renee Brown · Answer

Working with a local Medicare agent offers personalized, face-to-face interactions, which can enhance communication and trust. They often have in-depth knowledge of local healthcare providers and plans that fit your community's unique needs. In contrast, remote or virtual agents provide convenience and flexibility, allowing you to connect from home and access a wider range of options. Ultimately, the choice depends on your preference for personal interaction versus convenience.

Answered by Sean Davis on March 26, 2025

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

Answered by Sean Davis Medicare Insurance Agent

Deborah Lee · Answer

Agents from your area have a better understanding of the plans in your county/zip code and will be able to find the plans that are the best fit for you.

Esther Miller · Answer

I have 10 years experience and also know the local hospitals, clinics and providers in Washington State. I'm also here locally to answer your questions about your policy throughout the year.

John Stagner · Answer

The biggest benefit is that a local broker understands the networks and medical providers much better. I’ve had many clients come to me who were put on a plan not accepted by the local hospital and they’ve found that out the hard way. 

It has also been my experience that many remote agents aren’t as eager to encourage clients to call them if they have an issue. We local brokers must do everything in our power to maintain great relationships and provide service after the sale. Word of mouth matters - especially in a small town.

Don Hudson · Answer

The best part of working with a local broker is you can build a relationship that can last a lifetime. Personalized attention is very important when it comes to your healthcare needs. If you are unable to drive to meet your broker they can come to you.

Answered by Don Hudson on March 26, 2025

Broker Licensed in FL

Answered by Don Hudson Medicare Insurance Agent

Vincent Esposito · Answer

I feel working with a local agent is smilar to supporting your local community. The local agent will be most likely aware of any upcoming changes in it's local market place.

Shawn Brown · Answer

A better understanding of local plans and physician networks. More importantly, a local broker has more accountability. If they make a mistake or give bad information, you know where to find them.

Joseph Ritter · Answer

If you prefer personal connection and local expertise, a Medicare agent near you is invaluable.
If you prioritize convenience and flexibility, remote agents can be great — just make sure they’re licensed and reputable.

Sherah Beasley · Answer

Many times a face to face sit down conversation can clear up all the questions quicker and easier than a phone call. We want all our clients to know we will be here for you! Drop in and say Hi, or set up an appointment to review your coverages and benefits!

Answered by Sherah Beasley on March 26, 2025

Broker Licensed in TX

Answered by Sherah Beasley Medicare Insurance Agent

Kathryn Zekas · Answer

A LOCAL Medicare Agent knows the area and specializes in the plans in that area. More importantly, we also learn the NETWORKS, meaning, we know which plans work best with which doctors or networks you prefer if you are considering a Medicare Advantage Plan. It happens all of the time where a non local agent "sells" a plan based on benefits and puts someone on a plan that doesn't work for them and is very hard to use. I don't ever want that happening to anyone I am helping. If you're going with a Medicare plan that has networks, lets find the best plan that is going to work for YOU!

Answered by Kathryn Zekas on May 7, 2025

Broker Licensed in FL

Answered by Kathryn Zekas Medicare Insurance Agent

Robert Fracchia · Answer

Be able to observe the professionalism of the agent and his listening skills,making good recommendations

Shane and Tammy Carpenter · Answer

Local, in-person brokers are not "fly by night" call center agents that you will never be able to access after the enrollment. We are here for the follow-ups, questions and support that is often needed. We also, provide ongoing re-evaluation of your plans annually to ensure that you are continuing on with the plans that best meet your needs. Finally, we are LOCAL. This means that we are the most familiar with the plans that are offered in the area and are better equipped to find a plan that is more tailored to your needs.

Answered by Shane and Tammy Carpenter on March 23, 2025

Broker Licensed in OK, AR, FL & 5 other states

Answered by Shane and Tammy Carpenter Medicare Insurance Agent

Steven Maicus II · Answer

Working with a local Medicare agent is personal and gives you the ability to build a lasting relationship..  You gain a " Go To " resource helping you navigate your Medicare needs.

Tyler Dalton · Answer

With a local agent you get real-world know-how and the chance to meet face-to-face plus quick, in-person help when paperwork or questions pop up. A virtual agent brings digital speed and a wider pool of plans. Marry the two and you get neighborhood expertise with online convenience. I've always enjoyed meeting clients face to face and getting a chance to learn a bit more about them

Answered by Tyler Dalton on June 25, 2025

Broker Licensed in AL, FL, GA & 6 other states

Answered by Tyler Dalton Medicare Insurance Agent

Frank Souk · Answer

Working with an agent that is local can often prove to be very helpful, as that agent often times has a great lay of the land regarding Hospital Networks, DME locations, and Network Providers.

Greg Milliser · Answer

People have always told me the reason they like to work with someone local or nearby is that they can see sit down with someone face to face and build a relationship with their agent. It’s good to be able to find solutions and do business with someone who can be with you whenever needed. Another great thing about it is when there are times that paperwork of documents are needed there is a much quicker turnaround rather than having to wait on the mail or find digital solutions that not all seniors have access to.

Answered by Greg Milliser on April 21, 2025

Broker Licensed in MO, AR, IN, KS, OH & OK

Answered by Greg Milliser Medicare Insurance Agent

Ronnie Rosenberg · Answer

There's no obvious benefit to working with an agent near you, as opposed to remotely.  The real benefit to working with a specific agent is that if you have questions, you have a one-stop shop for answers, or help with errors.  
Although most of my work is remote, I am always there for my clients and have spent countless hours in 3-way calls to straighten out issues.  When you enroll with me, I am there for you.  If you were to enroll using a call center, you wouldn't have a dedicated agent if you needed assistance.

Keaton Lewis · Answer

You can have an agent assist you from all over the country. However, they may not be contracted with all the carriers available to you, and more importantly they don't know or understand the nuances of your specific area. They only look to sell you what they can work with, not always what's in your best interest.

Answered by Keaton Lewis on March 26, 2025

Broker Licensed in ID, AZ, CA & 11 other states

Answered by Keaton Lewis Medicare Insurance Agent

Jose Solis-Flores · Answer

Want results, not just promises? We deliver. For 25+ years, we've been focused on securing the best possible outcomes for our clients, leveraging our extensive network of healthcare providers to find the perfect fit for your specific needs. Forget cookie-cutter solutions; we're all about personalized strategies that maximize your financial security and healthcare access. Let us put our experience to work for you—you deserve the best, and we'll make sure you get it.

Answered by Jose Solis-Flores on March 26, 2025

Agent Licensed in OH, CA, IN & 5 other states

Answered by Jose Solis-Flores Medicare Insurance Agent

Jim Neil · Answer

When you use a local agent like me, I have access to all of the local products. In comparison using a virtual/remote agent that may be out of state or in a call center, typically those people only have the national carrier brands and not all of the local carriers. Also, you'd be supporting a local small business in the same community that truly cares about a long-term relationship with clients and not just a one and done type of scenario where a call center typically doesn't have very comprehensive customer service for the longevity of the relationship.

Answered by Jim Neil on March 26, 2025

Agent Licensed in MI, AL, AR & 31 other states

Answered by Jim Neil Medicare Insurance Agent

Jeff Christiansen · Answer

As an independent agent I am required each year to re-certify with Medicare and each of the insurance companies I represent, in order to offer their plans and benefits to Medicare eligible individuals. You never pay me extra for the service I provide. The insurance companies pay me when I help you sign up for their insurance plan.

A local agent who is familiar with the many plan options, networks, Dr's, clinics, hospitals, and other providers locally is at an advantage over somebody who calls you from a call center somewhere across the USA, or beyond. Another advantage with me as your agent is that I'm also on Medicare. I look for the same services and benefits that you do. I study and know the providers for the many Medicare services and benefits in the same area where you're living and using services.

It might also be helpful for you to know that Medicare has strict regulations about how we as independent agents can contact you, the beneficiary. We're not allowed to "Cold Call". In order to help you with your questions about Medicare, you need to make the initial contact and request information. The biggest complaint I have from my customers is about the numerous calls they get (daily) from ambitious agents (usually in large Call Centers) trying to persuade them to switch plans. I'm always happy to help you, your family, and your friends and neighbors get the help you need for your health insurance questions. I only help those who contact me via Medicare Agents Hub, or have been referred to my by my clients.

You can contact me at 801-550-1800 to answer questions that you have about how Medicare services and benefits that will work for you in your area.

Jim Herro · Answer

If by remote/virtual you mean that the agent is out of state or out of the community that you live in the benefit of working with an agent near you is that they have a presence in the community and more incentive to perform at a higher level. 

My suggestion is to work with an agent near you that focuses on educating you so that you can make informed decisions and controls the size of their agency so that they are available with a more attentive, Hands-On approach.

David Didier · Answer

Hello, 

I'm a people person, (I have years of experience in this Medicare journey). 

I can help you to find the right solution to all the situations that might come up.

I travel to many people's homes to give that personal experience needed.

Just call me, I'm Local!  I can help! :)

Jeffrey Fraas · Answer

The benefits are that a more personal touch can be given by actually meeting face to face and knowing that each person is familiar with local Medicare plans that are available. There is a sense of safe and secure communication with the consumer, stronger trust is established.

Answered by Jeffrey Fraas on March 26, 2025

Agent Licensed in TN, KY, MO & TX

Answered by Jeffrey Fraas Medicare Insurance Agent

Robert Krauthamer · Answer

While Medicare is a federal program, the rules and prices for Medicare Supplement programs vary from state to state. As an insurance agent that only works with residents of Washington State, I am very familiar with the rules that apply to you. In addition, Medicare Advantage plans vary by county, so my local knowledge is extremely helpful.

Answered by Robert Krauthamer on March 26, 2025

Agent Licensed in WA

Answered by Robert Krauthamer Medicare Insurance Agent

Christopher Soto · Answer

There are benefits to both but below will highlight benefits of working with Agents Near you:

- Personalized Face-to-Face Interaction
* In-person meetings allow for clearer communication, especially for complex Medicare topics
* Body language and visual cues helps ensure you truly understand your options
* Easier to build trust and rapport though face-to-face interactions

- Local Market Knowledge
* Familiarity with local healthcare providers, hospitals, and specialists in your network
* Understanding of regional Medicare Advantage plans that might be specific to your area
* Knowledge of local community resources and support services

- Immediate Assistance
* Ability to meet on short notice when urgent issues arise
* Can help with physical paperwork and documentation in person
* No technology barriers or internet connection issues

- Community Connection
* Often involved in local senior events and educational seminars
* May have established relationships with local healthcare providers
* Can provide references from other clients in your community

Michelle Schaefer · Answer

A local agent knows which policies are a good fit for your local area. Sometimes people want a Supplement plan that includes wellness benefits such as a gym membership, and an agent will be aware of which policies cover popular local facilities. A local agent will also keep in touch with you prior to annual enrollment to see if there are any changes that need to be made on your policy. An agent might also help you with setting up an online Social Security account, with applying for Medicare A and/or B, and setting up Medicare billing. Best of all, it costs nothing for you to work with a local Medicare agent!

Answered by Michelle Schaefer on March 25, 2025

Broker Licensed in OK & TX

Answered by Michelle Schaefer Medicare Insurance Agent

Kenneth Mahaffy · Answer

Local agents can offer a more personalized experience based on individual needs, while offering face to face interaction.
 Local agents are also more familiar with the regional network coverage. 
Local agents offer ongoing support and can help with any questions regarding billing, claims and any other concerns individuals may have.

Kristy Hicks · Answer

A local Medicare agent offers personalized, face-to-face support, understands your community and networks, and can guide you to local programs and resources that fit your needs.

Joerg Bernhard · Answer

Client has the ability to schedule an in-person, no obligation consultation to visualize and receive objective information about all the coverage that is available through different insurance companies. 
 Client has a direct first contact information, including cell # to receive assistance with questions.

Jamie Baumeister · Answer

A local agent will have a better understanding of the doctors and facilities in the area. This is important as to know which Medicare plans these providers are in-network with. Local agents should also be easier to get a hold of in the future if you were to have any further questions and need help.

Answered by Jamie Baumeister on March 26, 2025

Broker Licensed in FL, AZ, GA & 13 other states

Answered by Jamie Baumeister Medicare Insurance Agent

Jamon White · Answer

A locally licensed agent is critical to your Medicare plan. The insurance companies create their plans based on county and zip code. A call center in another state will not be able to really understand your area.

Answered by Jamon White on March 26, 2025

Broker Licensed in TX, AZ, CO & 8 other states

Answered by Jamon White Medicare Insurance Agent

Amie Gohn · Answer

Local agents can navigate the complexities of Medicare in your area, helping you understand your options and make informed decisions.

Local agents can tailor plans to your specific needs and circumstances, conducting personalized annual reviews to assess changes and recommend the best course of action in your area.

Local agents can advocate on your behalf with insurance carriers if you have issues with coverage or claims.

Steven Bleicher · Answer

By having an agent nearby (presumably in your county), she/he will inevitably be more knowledgeable with the programs in their own zip code. If however you live in a remote county, the choices of plans are much more limited. Anyone in that position should more seriously consider a Medicare Supplement or Medigap plan. This will also make it easier to travel while on vacation as this plan moves with you wherever you go & also covers you for emergencies outside the US!

Answered by Steven Bleicher on May 24, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Timothy Brown · Answer

The benefits of working with a local agent vs a remote agent is the in-person experience of someone showing you, in real time, all of your options not to mention the rapport that is established during the conversation. Last thing, most remote and/or call center reps like and are trained to enroll clients in plans, sight unseen, meaning that don’t show or give you anything tangible to verify the summary of benefits before you commit to a plan.

Answered by Timothy Brown on May 31, 2025

Broker Licensed in PA, CT, DE & 15 other states

Answered by Timothy Brown Medicare Insurance Agent

Diana Garner · Answer

Working with a local agent/broker gives you a more personalized approach. They provide support for issues you experience, offer face-to-face relationships, and are most likely more knowledgeable about plans in your area.

Answered by Diana Garner on May 2, 2025

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

Answered by Diana Garner Medicare Insurance Agent

Steve Houchens · Answer

It’s always better and more convenient to work with someone local that you can get to know and trust that will sit down one on one and explain things with you. You can work with someone virtually but at least for me I like a more personal relationship with my client

Answered by Steve Houchens on April 2, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Michael Pyers · Answer

None- We are always a phone call away. We have regular business hours and over 20 years of experience in the Health Insurance industry. We interview you to determine what type of insurance you plan is in your best interest.

Answered by Michael Pyers on March 26, 2025

Broker Licensed in OH & MI

Answered by Michael Pyers Medicare Insurance Agent

Steven Lovell · Answer

Working with a local Medicare agent offers personal attention, in-depth local knowledge, and face-to-face interaction, while remote agents provide convenience, wider options, and specialized expertise.

Answered by Steven Lovell on May 24, 2025

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

Answered by Steven Lovell Medicare Insurance Agent

Yasmery Vargas · Answer

Most agents are now equipped enough to do either virtual or in person visits. It is better to have a local agent that can do both, in case there are issues that may require paper forms.

John L Herman Jr · Answer

Every State has different rules, different programs, and different Insurance Carriers…and a local Licensed Broker has the knowledge about all of them.  Also, being able to call on a neighbor gives you peace of mind that they would be more readily available for questions.

A Local Independent Broker becomes an “expert” on the local rules.  And remember, a Local Independent Broker NEVER charges a fee for their service to the client.

DeeDee Whitlock · Answer

Locally you can walk into an office and get service from that agent, remote/virtual maybe working out of their home & when you need them you may NOT have access to them

Michael Yost · Answer

Some people like the face to face interaction - driving to a local office to meet with an agent. With technology nowadays, a virtual meeting has a similar effect. You can see each other and you can share screens so one can easily follow along as you go through a meeting. I have people that are right down the street from my office but like to do a virtual meeting right from the comfort of their own home. I think this is just a preference for each person.

Answered by Michael Yost on July 13, 2025

Broker Licensed in OH, AL, AZ & 27 other states

Answered by Michael Yost Medicare Insurance Agent

Joseph Peck · Answer

When working with an agent face to face, its more personalized to you. I make sure that we find the plans that are specific to your needs, also you can see i am a real person and i am close by for any questions or concerns that may arise. I let my clients know that i will be their 1-800 number if needed.

Answered by Joseph Peck on March 26, 2025

Agent Licensed in MI, AL, CO, KS & TN

Answered by Joseph Peck Medicare Insurance Agent

Aaron Solomon · Answer

I feel that working with me in person does the following things:

You get a person to answer your questions. I will take the time to explain each plan.

We work together to bring your information to the right solution for you.

I will help you take advantage of extra benefits. I will help you find your network vendors.

I am there to answer any questions, Finally, /i will be in contact multiply times during thre

year to see if yiu need any help.  I will review your plan  during AEP. We will discuss if your 

plan is this the right one for you.

Shelly Hefley · Answer

The benefits of a local agent is to have someone who knows the trends with your state or town particularly. I refer my clients to providers I know will help them and take good care of them. I get to know my clients on a personal level. Virtual agents only know what the computer tells them.

Answered by Shelly Hefley on March 26, 2025

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

Answered by Shelly Hefley Medicare Insurance Agent

Sean Davis · Answer

Working with a local Medicare agent offers personalized, face-to-face interactions, which can enhance communication and trust. They often have in-depth knowledge of local healthcare providers and plans that fit your community's unique needs. In contrast, remote or virtual agents provide convenience and flexibility, allowing you to connect from home and access a wider range of options. Ultimately, the choice depends on your preference for personal interaction versus convenience.

Answered by Sean Davis on March 26, 2025

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

Carolyn Duncan · Answer

Agent location may or may not be that important but knowing you can get back in contact with your writing agent vs being sent to a call center for answers and just sent to the carrier for all future communications. So, ask if you will continue to have access to your agent after the original sign up. Understanding previously discussed situations will help when you have future questions and need help navigating possible upcoming issues.

Answered by Carolyn Duncan on July 16, 2025

Agent Licensed in FL

Answered by Carolyn Duncan Medicare Insurance Agent

Valentina Gatewood · Answer

Benefits of working with an agent in person is we have an office, we work full time, and go above and beyond to assist.

Becki Jennings · Answer

The ability for a client to come into the office to get help understanding benefits, claims, and other questions, can be extremely helpful. Typically, a client would not experience a "hold" time and continued in-person follow up may make the process easier for many people. Being able to continuously communicate with the same person throughout the process is reassuring.

Answered by Becki Jennings on June 4, 2025

Agent Licensed in MO

Answered by Becki Jennings Medicare Insurance Agent

Paul Dzierzanowski · Answer

You can speak to a real person with expertise, who lives and cares about their neighbors, in our community.
The opportunity to see your agent face to face, with no frustrating 800 number phone trees and recordings.

Brenda Trejos · Answer

There are so many benefits to working with an Agent/Broker... 
Firstly, these individuals are licensed and certified individuals that help others as their livelihood. This is their business and they are part of your communities. 
Secondly, independent Agents don't charge you to help you as they are compensated (commission-based) through the several Insurance Companies they represent and its at no additional cost to you.  As Broker's they represent many Companies so you have have comparisons and YOU choose which Company is best for you.  We work for you, not the Insurance Companies.
Additionally you have a direct person to work with and not just an 800#.  Your Agent is available year around and usually available in person, over the phone or virtually.

Christopher Orr · Answer

Local brokers know the networks better and you have someone you can depend on to help you with any changes and plan swaps if needed because of a doctor or prescription changes that you can reach

Frank Woerner · Answer

1. Build an ongoing relationship locally.
2. We can meet in person if desired.
3. Service available with the same person after the sale.

Don Golding · Answer

Local agents, especially independent brokers, have in-depth knowledge of plans and networks in your area. Additionally, face-to-face communication is the most complete form of communication. This combination of "presence" and local knowledge helps beneficiaries find a plan suited to their specific needs.

Michele Vina · Answer

Because Medicare is complicated, I find most people understand better having an in person conversation and seeing their options right in front of them.

Bill Zeky · Answer

I really enjoy meeting with my clients as often as possible. So, I treat people as I want to be treated. If I can, I'll drive to meet with anyone, usually at their kitchen table. I feel it's good to put a face with the voice.

David Koller · Answer

Local Medicare agents know the plans and how they work in the area with local providers and facilities.  We can tell you the plans our clients like best.  You can also look at our google reviews and best of all...it costs you nothing but saves you alot.

Clare Burley · Answer

I love getting to know my clients, hear their stories, and of course help guide them through what can often be a confusing topic--Medicare! I really enjoy being able to help them navigate their benefits and save them time and frustration. Having an understanding of your benefits is empowering and can save you a lot of money in the long run.

Karen Marriner · Answer

The biggest advantage to working with a local agent is that agents keep up-to-date on the medical groups in your area and which plans the groups contract with. This is particularly important if you’re looking for a Medicare Advantage plan and you have specific medical providers you want to see.

Mindy Foran · Answer

When you meet with an agent in person you feel more comfortable to ask more questions.   You are able to have hands on material to go over and take home to study in your free time.

Meeting your agent gives you a better feel of their personality and how they would handle your account if they were to become your agent.  Your conversations are more lengthy because you do not feel rushed as may on the phone.

Frank Pfister · Answer

As a local agent, I'm well-versed in our community's healthcare system, including hospitals, doctors, and pharmacies. And I'm readily available for any Medicare questions or assistance.

Dorothy Lam · Answer

Many of my clients tell me they enjoy seeing an agent in person. They feel communication is easier face to face. I have the flexibility to provide resources in paper form or electronically while a client is sitting in my office. There is something about having an in-person encounter that builds trust and assurance that is not quite the same as a virtual encounter. Meeting in person adds a lot to the business transaction.

Marcy Bulliner · Answer

Working with a comprehensive retirement planner means you have one stop for all your retirement questions. I am able to tailor your plans with your needs. Meeting a local planner lets you plan for short term and long term needs in your retirement.

Tom New · Answer

Personal care with a honest agent.
I also represent several companies so I can shop the market. I have 25 years of experience.

Rebecca Bilbrey · Answer

The biggest benefit of working with a local agent is that you can see the agent face-to-face in their office or in your home. And if you are not tech savvy, the local agent can have you sign required documents in paper format rather than e-signing.

Michael Young · Answer

The biggest advantage to using a local agent is market knowledge. Having an understanding of which medical facilities work with certain types of insurance ensures you enroll in the correct type of coverage. This is especially true with Medicare Advantage Policies. 

The second reason to use a local agent is their expertise of providers in the area. An agent can make recommendations of the best providers that they commonly work with or hear positive feedback about. A local agent can act as a navigator and direct you where you need to go in the same way you may ask for recommendations for the best auto body shop or Realtor

Jan Breheny · Answer

A local agent knows the plans in their area.  They work closely with the Insurance companies, and understand the details of the local plans.  The benfit to a client is their knowledge and expertise.

Susan Tate · Answer

Having a local agent is a plus.  You will have a direct contact with someone to help you with any issues that you may come across.  It is also helpful because of the local knowledge of the plans, facilities, and providers.

Stephanie Snakovsky · Answer

A good Medicare agent will take your personal preferences, financial situation and health conditions into account and recommend a plan tailored to your needs.  A local agent will be available for your questions throughout the year and long-term amid the life changes.  It is a relationship not a one-time sale.

Alan Gudis · Answer

Some people are not confident discussing their Medicare via phone or virtually. Technology can be a stumbling block. Working face-to-face allows the agent to look you in the eye and should be able to tell that you are or are not understanding what is being said. It develops trust.

Charlie Brown · Answer

Our clients find it beneficial to have the ability to come to our office and ask questions in person.  Sometimes it is easier to explain a Medicare issue when you can point to your questions on paper.  Also many client have difficulty hearing on the telephone.

Fred Manas · Answer

Working with a local Medicare agent near Brooklyn, NY 11220 offers personalized, face-to-face interactions and in-depth knowledge of local healthcare providers, while remote/virtual agents provide convenience, wider options, and broader experience. 
Local Medicare Agents:
Personalized Service:
.
Face-to-face interactions can build trust and allow for more tailored advice based on individual needs and community-specific knowledge.
Local Knowledge:
.
Local agents are often familiar with local healthcare providers and plans, making it easier to find coverage that fits specific needs.
In-Person Assistance:  They can offer in-person support for questions, enrollment, and navigating the complexities of Medicare. 
Remote/Virtual Medicare Agents:
Convenience:
They offer flexibility with remote access, phone calls, and online consultations, making it easier to contact them outside of traditional hours.
Wider Options:
They often work with multiple insurance carriers, allowing for a broader comparison of plans and potentially better coverage.
Broader Experience:
Remote agents may have more experience with various Medicare plans and can leverage technology to streamline the enrollment process.
Technology:
They may be able to offer online tools and resources for policy comparison and application.

Gary Henderson · Answer

There is none unless you want to talk to somebody directly near you 
All prices are the same no matter where you purchase it

Vachik Chakhbazian · Answer

virtual agents can provide convenience and potentially broader coverage options, allowing you to compare plans from multiple companies.

Steve Brauer · Answer

The benefit of having a LOCAL broker is that they are (hopefully) experts at the local market and know the nuances of your area. In the Phoenix area, you also want to find an agent that is not a "snowbird"....meaning they leave for the summer to a cooler place. The reason is that your access to that agent will be severely reduced during the summer months when you may need to meet with them or need their help. Also.....you REALLY should hire a Medicare Adviser that ONLY does Medicare, because....you can't be an expert at everything. There's just not enough hours in the day.

Andrew Kramer · Answer

It's much better and more advisable to work with a local agent! Why? Because he/she will have complete knowledge of the local plans. Also, a local agent will likely know many of the providers. Further, a remote/virtual agent will likely not be reachable during the year to help you with any questions, but a local agent will.

Marcie Barnes · Answer

This is a personal preference.  Some people prefer a face to face meeting and others prefer over the phone or video conference

Mike Henry · Answer

I always feel face to face is better. More personal and get to know the Clint better. More than just Medicare needs to be discussed

Carol Thompson · Answer

Well if the agent is near you then you can meet them In person rather than remote/virtual. 

I do both as I’m licensed in multiple states and attain referrals or recommendations.

Todd Bostic · Answer

I believe working with an agent close to you allows you the opportunity to be able to sit down face to face with an agent, instead of having to decide based on a conversation. But based on which is better, there’s really not a a reason other than trust to pick one over the other.

Linda Davies · Answer

Local agents are more knowlegable about local Medicare plan options  and Medicaid programs in your state.  They will also be more familiar with local hospitals, pharmacies and doctors in your area.  

I work with elderly Medicare recipients who are no longer computer savvy, sometimes just because they don’t care to be, and they have earned that badge.  These are also beneficiaries who sometimes prefer home visits rather than enrolling over the phone.

Gary Haft · Answer

Working with a Medicare Agent near you just makes the relationship a little stronger as you now know the agent and it is a little more personal.  But working with an agent remotely is not a bad thing if it is a referral from another client. That client has already worked with the agent and has a trust in that agent. I prefer to meet with clients locally if at all possible as it builds a better relationship between client and agent.

David Christian · Answer

You may find that the Medicare Agent that is remote/virtual is actually near you.  I would say on a case by case basis having a local agent may be better for find a particular doctor if you don't have one, but reality is we are all able to look up, evaluate and compare the plan benefits for areas we are licensed in for the plans we are contracted for.

Charles Borg · Answer

Many.. First of all there’s no extra cost for working with a Medicare agent.  It’s also more personal and precise. You can ask as many questions as you want and usually get more complete and. Unbiased information.

Kris Neupauer · Answer

Ultimately, the right choice depends on your personal preferences, your level of comfort with technology, and how hands-on you want your Medicare agent to be in guiding you through the process. In my opinion, local is the one that gets the nod since they know your communities.

Douglas Carney · Answer

As a Medicare-specialized health insurance broker, I can tell you that both offer unique benefits. A local agent knows your area’s specific Medicare Advantage and Part D plan options, provider networks, and even regional healthcare trends, ensuring personalized recommendations tailored to your community’s needs. They can meet face-to-face to explain complex details, building trust and clarity. 
Whereas virtual agents offer convenience and broader expertise, to those that are a little more tech savvy. In the digital world you can find answers online or over the phone instantly. A local agent may have hands-on guidance and knowledge of nearby resources—like doctors or state programs while a virtual agent may have a better understanding of national cost saving programs. 
It all depends on what the client prefers.

Jami Mead · Answer

It is not necessarily about remote or local when chosing your agent. Independent Brokers work with several companies and we all have to adhere to the same rules and guidelines. For example, I live in Ohio but service clients in Louisiana.  I know the plans, doctors and hospital networks in the areas I service. Finding an agent that takes the time to know what you need and how to help you is the key. I do appointments in person, virtual and by phone as do many other agents. I encourage you to find the right fit for you.

Daniel Keane · Answer

The benefit of working with a Medicare near you is twofold:
1) the agent will know the local health providers, Doctors, Hospitals and Pharmacies. 
2) The Medicare Beneficiary can remain in contact with a local agent vs a remote agent that has no local knowledge, may not understand the local medical practices in the area.

Ingrid Kollmann · Answer

A lot of seniors either aren't technology savvy, or are wary of technology and prefer the old fashioned way of personal contact.  It's also my preferred way as it also gives me the opportunity to see how they live and what they may need.

Babs Atwell · Answer

Working with someone in your area is extremely important for many reasons. First of all, they know the doctors and hospitals. Secondly, you’re always going to have someone locally to reach out to if you have any questions or concerns. Thirdly, local agents and brokers help support your local economy and it never costs you, the beneficiary, anything to work with someone local.

Sophia Davis · Answer

Community knowledge and engagement! Having a local agent gives you access to in-person training they may offer, as well as, increased knowledge of the providers and programs close to home.

Bud Griffin · Answer

Local Agents are familiar with the Plans offered locally, whereas remote/virtual agents usually are captive and biased.

Albert Smith · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/what-benefits-are-there-to-working-with-a-medicare-agent-near-me-vs-remote-virtual#albert-smith

Edward Pevnick · Answer

Face to Face assistance is preferred by many seniors who may have hearing issues. Also some people have a better grasp of concepts in a one on one enviornment.

Gabrielle Sones · Answer

Pros of having an agent/broker near you would be that you can meet in person. Most will have a local office or a public space that you can privately meet. This way you can physically see the material and it might make more sense. If over the phone, you can ask for a virtual option this way they can screen share with you, and you can see the material that way.

Duane Boebel · Answer

Local Medicare agents that live in your area are at an advantage because they know local hospital and medical clinics networks. I have worked in the field for over 20 years as well as working remote/virtual.

Brian Loquist · Answer

You can have that face-to-face meeting if you prefer that as a consumer. The beauty of this day and time is the fact that technology allows us to communicate from anywhere

Shannon Mayfield · Answer

Your local agent is always going to understand the unique needs of your community and how the networks will effect you.  It isn't possible for any one person to be an expert in all states.  Find someone who is an expert in the area that you live in and understands the needs of your community.

Gene Page · Answer

It is wise to develop a relationship with your agent. This individual will be watching out for your best interest year after year. You can contact your agent with questions or circumstances that need special care or consideration.

Virtual agents are number crunchers, looking to process as many enrollments as possible. They may not even be aware of the special nuances of your particular community. When you have a question, it is very unlikely you will be able to speak with that agent again, but rather you will be routed to the Pool of agents taking calls. This process destroys any feeling or need for accountability to the enrollee.

Daniel Keenan · Answer

I think the most valuable benefit of working with an agent is accessibility. I give all my clients my self one so that I can be reached quickly.

Gregory Gudis · Answer

This will always be more of a personal preference on how you like to do business.  Both nearby agents and remote agents can typically offer the same products and guide you the same, a local agent can meet you in person and typically knows the local market a little better than someone selling all over the country.  As an agent I moved from the Philadelphia metro area to the Phoenix metro and while I continue to service my customers back east and add more, I have become more in tune with my current market and visit folks to review their needs when they request.  I think this brings a more personal experience for probably one of the most important needs in retirement, your health insurance.

Edward Cavelli · Answer

You get a personal experience with someone who truly cares about you, you are not just a phone number and name.
I follow up with you every year to make sure you are set up and safe from unnecessary copays in the following year.

Adriane Williams · Answer

There is no difference. All agents are licensed by the state/country. Most are remote since Covid for the safety of the client and themselves.

Joseph Lombardo · Answer

It's the level of service you get when working with an Independent Agent verses a call center.  With remote call center agents, you're not getting the personable attention to detail.  As an independent agent, my clients have my cell phone number where they can directly get in touch with me as needed.

Nina Besant · Answer

A medicare agent near you will have a better pulse on the local market as far as plans, carriers and options available and specific to your geographic area. It then allows face-to-face interactions and plan reviews. However, we have hundreds of clients out of state that we work with and they enjoy having ZOOM meetings that can provide that same feel.

Angela Wainright · Answer

There are many good reasons to work with a local agent versus someone remote; 1. You receive face-to-face support. I enjoy meeting and getting to know my clients. Building that relationship also ensures I fully understand their unique situation and needs. It's nice to be able to ask questions, see printed materials, and walk through everything at your own pace. No technical issues! 2. A local agent will be most familiar with and understand which doctors, hospitals, and pharmacies are in-network in your community. We can flag differences in plan networks that others might overlook. 3. We know the regional landscape. Whether it's how Medicare interacts with MN Medigap plans, county-specific Advantage Plans, or local Veteran services, we have more local insight and connections. 4. Availability and support AFTER enrollment. I won't disappear after the paperwork is done. I am here-ALWAYS to support and guide my clients with whatever challenge they are facing, sometimes, it's not even plan-related. 5. Most importantly, you are likely working with a small local business with a trusted community presence. You're not a number, you're a neighbor.

Barbara Klie · Answer

Working with a Medicare agent can be beneficial whether you choose to meet in person or virtually. However, there are distinct advantages to each approach. Here’s a comparison of the benefits of working with a local Medicare agent versus a remote or virtual agent:

Benefits of Working with a Local Medicare Agent

1. Personalized Face-to-Face Interaction:
  ◦  Building Trust: Meeting in person can foster a stronger sense of trust and rapport, which can be important when discussing sensitive health and financial matters.
  ◦  Immediate Clarification: You can ask questions and receive immediate answers, making it easier to clarify complex topics.

2. Local Knowledge:
  ◦  Understanding Local Providers: A local agent is likely familiar with healthcare providers, facilities, and resources in your area, which can help you make informed choices about your coverage.
  ◦  Community Insights: They may have insights into local Medicare Advantage plans, Medigap options, and Part D plans that are popular or well-regarded in your community.

3. Assistance with Local Enrollment:
  ◦  Navigating Local Processes: A local agent can help you navigate the specific enrollment processes and requirements in your state or region, which may vary from one place to another.

4. Convenience:
  ◦  Accessibility: If you prefer in-person meetings, having a local agent means you can easily schedule appointments without the need for technology or internet access.
  ◦  Follow-Up Meetings: You can have follow-up meetings in person if needed, which can be more convenient for some individuals.

Hollie Hittner · Answer

A Local agent will have more experience as to what is happening with different Medicare plans in the area. They will also have client experience in your area.

Phyllis Dixon · Answer

Agents in the local/region have more knowledge about resources in the area that support the client's needs.
Meeting face to face in the agents office, in a local venue or in the client's home have a personal connection that builds trust.

Lori Gobep · Answer

Working with a local Medicare Agent provides personalized service, ongoing service and agents have expertise and familiarity with plans in your area. Plan options are recommended based on your needs.   Consultations are provided at no cost or obligation, and appointments are usually face to face.  Local agents build relationships, educate, assist and respond to a beneficiary's needs throughout the entire process.

Chris Ha · Answer

The Benefits to working with Medicare Agent is get real support like answer any questions you may have , fill out any paperwork for you , is much better than remote / virtual

LeeAnn Miller · Answer

Working with me as your local agent, I am available to answer questions right away.  Also, I love getting know my clients and build solid relationships!