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.

Gary Church · Answer

The best relationship is with a local agent. There is nothing wrong with working with a licensed Medicare agent remotely by phone. It's about building a relationship. Buying a Medicare plan should not be a transaction but an ongoing connection as things change in life.

Answered by Gary Church on September 7, 2025

Broker Licensed in Ca, AZ, NV & TX

Answered by Gary Church Medicare Insurance Agent

Mike Alexander · Answer

A local agent can come to your home for a face to face 
Meeting.  A local agent is invaluable, and builds a relationship with you , not an AI call center
A local agent is important to you community and builds a trust worthy relationship as a real person, not a call center agent

Steve and Sue 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 are just not enough hours in the day.

Answered by Steve and Sue Brauer on May 7, 2025

Broker Licensed in AZ & CA

Answered by Steve and Sue Brauer Medicare Insurance Agent

Mark Bilgere · Answer

This is my favorite question. Working with a local Medicare broker ensures that the person you're working with knows about your area. They have an understanding of the plans available in your area and are familiar with what works well and what doesn't. Plus you can meet the person and know where you can get help if you need it, or at least follow up with someone if you can't.

Working remote isn't automatically a bad thing. If you live in a very rural area, or if you're limited in your mobility then the convenience of working over the phone or internet is wonderful. Or if you're working with an agent that your are already familiar with. But, if you are new to Medicare and live in an area with lots of brokers, why not meet someone face to face? You will feel better about any decisions you make.

Daniel Brechin · Answer

I prefer working with clients personally.
However, more people want to do the enrollment over the phone or by calling the company direct and enrolling.

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, AL, NJ & PA

Answered by Norman Smith 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

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.

Answered by William Lawler on June 9, 2025

Broker Licensed in MO, FL, IA & 12 other states

Answered by William Lawler Medicare Insurance Agent

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

Terri Reagin · Answer

I definitely think there's something to be said about face-to-face contact with an agent. I don't think there's anything wrong with an agent using technology to help support the customer in the way they feel is best, but I would caution people that remote or virtual meetings do have a higher tendency to attract the bad characters out there who don't have your best interest in mind. A good local agent will be able to meet with you face-to-face, and I think that helps build trust and credibility.

George Ibanez · Answer

Local agents are more in tune with your plans in the community and are normally more familiar with the plans and benefits.
Remote Agents that work in call centers are normally very poorly trained, and you will never talk to them again, nor will they service your accoun,t and all they want is to make a sale and run.

For more information, contact George Ibanez.

Bill Wheeler · Answer

Working with a local agent you will get the face to face guidance and  a person that can answer any questions you may have. Just give him a call!

Pamela Masters · Answer

An agent can help you with pre-enrollment, post enrollment and help navigate the plan. They can also help with answers about bills. When annual enrollment comes each year on Oct 15th, they can show you plans and advise you on what plans might be best for you. If they live near you they can meet in person. Remote agents can’t help in the same way. Telesales doesn’t allow you to get ahold of the person that enrolled you. You just talk with whomever is available.

Answered by Pamela Masters on October 9, 2025

Broker Licensed in NC

Answered by Pamela Masters 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.

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

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 & TN

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

Lynn C Shurtleff · Answer

A local agent is always a better fit. They know, or should know, the network, the doctors, the pharmacies and can really get to know you. I consider my clients my friends and am here to help them. Often with a remote agent, once they sign you up you may never be able to find them again so you're on your own if you need help.

Answered by Lynn C Shurtleff on September 3, 2025

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

Answered by Lynn C Shurtleff 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.

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!"

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

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.

Steven Graves · Answer

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?  Contact us.

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, AL, CA & 11 other states

Answered by Steven Lovell Medicare Insurance Agent

Lauren Fodde · Answer

Great question — and there are real benefits to working with a local Medicare agent, especially if you prefer personal, hands-on support.
Both local and virtual agents can help you, but here’s what you get when someone is right here in your area.

Benefits of a Local Medicare Agent

1. They understand your doctors and hospitals.
A local agent knows which plans actually work well with the providers in your community. They see the patterns every year — which clinics accept which plans, which networks are strong, and which pharmacies tend to have the best prices.

2. You can meet face-to-face if you want.
Some people feel more comfortable sitting down at a table, looking at the options together, and asking questions in real time. You never have to figure anything out alone.

3. They know local issues and resources.
A local agent knows:

Which specialists have long waitlists

Which hospitals are in-network

Where the senior centers, wellness programs, and community events are

Which plans have strong coverage specifically in your part of town

4. They’re nearby if something goes wrong.
If you get a confusing bill, a denial letter, or your card doesn’t show up, you can call or stop in. Local agents usually resolve issues faster because they’re familiar with your providers, your pharmacies, and your plan.

5. You build an ongoing relationship.
Instead of talking to someone new every year, you have one person who learns your health needs, your medications, and your preferences — and helps you make changes as life changes.

When a Virtual Agent Can Still Be Helpful

If you travel a lot, move between states, or prefer phone/email, a virtual agent can still support you well. Many seniors like having both options.

The bottom line:
Working with someone local gives you more personal support, local knowledge, and face-to-face help when you need it most — while still costing you nothing.

Justin Doherty · Answer

The only advantage is the ability to meet in person with the agent. While I understand the desire to do that, you will still have all the other benefits of working with an agent remotely. And the remote agent may be a better fit ethically and professionally than your local agent.

Answered by Justin Doherty on September 26, 2025

Broker Licensed in PA, CO, CT & 11 other states

Answered by Justin Doherty Medicare Insurance Agent

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.

Nick Mangini · Answer

Working with a Medicare agent is essential. The most important thing is to have a knowledgeable agent who is unbiased and has over 10yrs experience. A great remote agent is better than a novice local agent. It’s not like you’re having breakfast with the agent every week.

Answered by Nick Mangini on October 11, 2025

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

Answered by Nick Mangini Medicare Insurance Agent

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

Hi, I'm Medicare Misty with Medicare Minutes, and you've reached out to our question and answer session. What benefits are there to working with a Medicare agent near me versus a remote agent or virtual? Based on this instance, I just remember the whole thing when we were kids, don't talk to strangers. Stranger danger. So I wouldn't want to give my private information to someone that I didn't know. If I had trouble or needed something, I know that I could go down there locally. When you deal with somebody remote or virtually, you don't have that capability of going to their office. If they don't answer the phone, sometimes it's even hard to get ahold of them. If they are virtual and remote, I always say shop locally. If you got a referral from someone that said, "I dealt with this person," then I feel like that would be a lot better to deal with someone that you got a referral from, like your best friend, your neighbor, or someone at the gym that you know very well. If this person was good, then you could do remote or virtual. But I would always do local if you can, because the local people know what your providers are, what the hospital does, and what the plans do locally. So thank you. Hope that helps. Thank you for reaching out to Medicare Misty in Medicare Minutes.

Steven Litzsinger · 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#steven-litzsinger

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.

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, CA, FL, LA, NM & OH

Answered by Richard Moreno Medicare Insurance Agent

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.

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

Darlene Murphy · Answer

Not many differences between face-to-face and virtual/remote. I help both ways it is dependent on the client. For some seeing the black and white printouts, is easier than doing online.

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, MI & NC, PA, SC & VA

Answered by Marsha Reiniers Medicare Insurance Agent

Robert Lukasik · Answer

The biggest advantage to working with someone local is that you can meet them in person and develop a relationship of trust. Working remotely that is a difficult task and you cannot have a personal connection.

Answered by Robert Lukasik on October 7, 2025

Broker Licensed in NY, FL & PA

Answered by Robert Lukasik Medicare Insurance Agent

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.

James Hale · Answer

Virtual appointments can be convenient for some but prove technologically challenging for others. There are many steps of the process that require technical aptitude. Sometimes it's just easier to have an in-person meeting than to have one over the phone--for those who are hard of hearing visual aids can make the process much easier. 

NOTE: for the especially old-fashioned sort it's nice to be able to look your agent in the eye and make an assessment of their trustworthiness in person.

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

Mitzi Davis · Answer

An agent near you cares for YOU. To them you are like family. You can count on them to work hard to get an answer to any questions you have, solve any problems, etc. There is more of a personal connection. They really take in to consideration every factor and give you the best options for you and your situation.

In our experience, the virtual agents tend to be worried only about a sale. It is generally hard to get ahold of them after they sign you up for the plan they recommend. 9/10 times the plan they recommend, isn't even the best fit 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

Daniel Maisel · Answer

Hello, my name is Daniel Maisel, the Medicare Man at Daniel Mason Insurance Solutions. I saw your question, and we're glad to help. Bottom line is, when you do it virtually or in person, either way, I'm here to assist you. In person, I can obviously answer specific questions that you may have.

There are certain guidelines among Medicare that say what we can and cannot do without your direct permission because of privacy and so forth. We want to make sure everything is in order. That's one of the advantages of dealing with an agent. All of us have to complete about 400 hours of continuing education to maintain our licenses and certifications, so you get the benefit of that when dealing with your Medicare and any of the components that come with it.

Usually, at this stage in your life, when you're dealing with Medicare, my specialty is helping people who are getting ready to retire. However, I work with everyone. Some people get Medicare earlier because they may have a disability or something similar. This works this way for everybody. Rather than the government setting up a big, complicated organization like the DMV or the Department of Social Security, they said, "Look, we have all these educated, licensed agents out there. We'll just make sure the insurance companies pay them." That way, they don't have to pay us pensions and plans and have offices and everything else.

We're all independent, at least I am, and most of us are. There are some that are employees. Anyway, if you have a question, feel free to give me a call, and I'll be glad to answer it. It is a complimentary service, and if you decide to do business with me, then I get paid by the insurance companies. If you don't, then it's still beneficial to you, and maybe you'll think enough of me to refer someone to me someday.

So, I hope you do well, and I hope that answered your question. Have a good day!

Dino Pappadis · Answer

A local Medicare Agent understands the local area dynamics,  availability of plans as well as local providers networks.

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

Chad Sickle, RN · Answer

A local Medicare agent is more familiar with the plans offered in those counties around them. They can also meet you in person to compare options and develop trust.

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

Cody Hebden, MBA, CLU, FLMI · Answer

Quite simply because we understand and live our daily lives in the local community. This is important because we're intimately aware of local health providers and health networks and as an active member of the community, we also contribute to our local economy! Having that been said, I work with folks how they prefer to work - whether that's virtually via phone or email, or we meet up for a cup of coffee. Lastly, there's no 1-800 number associated with a giant call-center that could be halfway across the country or world! When my clients call me, only I answer.

Answered by Cody Hebden, MBA, CLU, FLMI on August 15, 2025

Broker Licensed in NC & SC

Answered by Cody Hebden, MBA, CLU, FLMI Medicare Insurance Agent

Michael White · Answer

Generally local agents might know your networks better than a remote agent and a local agent might have an office you could visit if necessary where as a remote agent could be inaccessible.

Renee Brown · Answer

Working with a local Medicare agent offers personalized service, including face-to-face interactions, in-depth knowledge of local healthcare providers, and potential for better coverage tailored to your community. However, as a remote agent for 35 different states, I work with my customers to offer convenience, access to more plan options, and potentially deeper expertise due to working with multiple carriers. I take the time to learn the area's plans and even though I am not local, I will make my customers feel like I am, and they are treated just like my local customers and stay with me year after year because they know I take care of them.

Answered by Renee Brown on May 12, 2025

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

Answered by Renee Brown Medicare Insurance Agent

Sarah Rollins · Answer

It's really a personal preference. I see clients both ways - and I LOVE it when people come into my office to meet me face to face.

What I will say, though, is only work with someone that you can actually SEE - whether that's remotely or in person. There are so many fraudulent agents and brokers out there, so I recommend you work with a person that you can actually locate if necessary. I wouldn't do anything with an agent or broker that will only work with you over the phone. Too hard to verify who they really are.

Checking Google reviews is also a great way to validate and verify who you are working with.

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.

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!

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.

Matt &quot;Ernie&quot; Ernstes · Answer

I work with clients that are local and remote/virtual. I believe you work with someone you are comfortable with and trust. again, I work with local clients and I have clients that I work with remotely. its all about comfortability.

Answered by Matt "Ernie" Ernstes on April 20, 2026

Broker Licensed in MI, IN, OH & VA

Answered by Matt "Ernie" Ernstes Medicare Insurance Agent

Robert Fracchia · Answer

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

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! :)

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.

David Treadway · Answer

The benefits of having  local knowledge and experience are irreplaceable. My son once got sick when he was very young and I called my son's primary-care, after-hours line for advice. I told the doc, whom I knew well, what was going on and that we were heading to the local hospital. He immediately told me to turn my car and head to our children's hospital which was about twice as far away. His rationale was that our local hospital treated an adolescent with these symptoms about once a month but our children's hospital treated our scenario several times a day. He said that experience and familiarity was invaluable to a proper outcome.  

Getting advice from someone who has more experience and familiarity in your local market is the exact same situation.  A local, independent agent, who is primarily or solely working in the Medicare space will be an invaluable partner.  This not your financial planner who tells everyone that plan G with 1 company is your solution nor someone who is licensed in all 50 states. There really is no replacement for someone who has hundreds or thousands of clients in your home area. They hear, see and live the good and the bad issues that arise in your market and can guide you more reliable. 

Good luck whichever path you choose and hope you have a long and healthy retirement.

Charles Calvin · Answer

Both methods have their advantages. It all depends on the level of service that the client wants. I have clients that want face-to-face appointments, so if they’re local, they can come to our office, or I can come to their home. For my out-of-state clients, we do everything over the phone, and they’re comfortable with that. The key is to find someone you can trust, and who knows the industry well.

Answered by Charles Calvin on February 27, 2026

Broker Licensed in MO, FL, IA, IL, KY & SC

Answered by Charles Calvin Medicare Insurance Agent

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.

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 & TN

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

Joe Pearson · Answer

The Benefits of Working with a Local Agent ("Near Me")

Deep Local Provider Knowledge: A local agent in your neighborhood knows the specific reputations of regional healthcare systems. For example, if you live near Edison, NJ, a local broker knows exactly which Medicare Advantage plans are seamlessly accepted by Hackensack Meridian JFK University Medical Center or RWJBarnabas Health, and which plans cause billing headaches for local patients.

Face-to-Face Trust: Medicare is a deeply personal topic involving your health and finances. Sitting across a desk from a local professional allows you to review complex brochures, look over paperwork together, and build a lasting relationship based on physical accountability.

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 & 7 other states

Answered by Tyler Dalton Medicare Insurance Agent

Jonathan Paddon · Answer

I local agent is more likely to have direct knowledge and experience with the specific plans available in your area. Since plans vary depending on where you live, it is important to work with someone who knows the ins and outs of the options available to you. In addition, I local agent is more likely to be available for the long haul, so when you have questions or need to look at other options, you can go back to the same person who already knows you and your situation.

Answered by Jonathan Paddon on September 2, 2025

Agent Licensed in TN, AL, FL, GA, IL & MS

Answered by Jonathan Paddon Medicare Insurance Agent

Grant Evans · Answer

An agent that is local is going to know the Medicare plans that are in your area, which means that he/she can find the plan that BEST fits your needs. (prescriptions, doctors, specialists, etc) An agent that is not local will not be as well versed in the plans that are offered in your area. A remote/virtual agent will likely have a more general understanding or just put you in a plan that is popular, rather than going through your specific needs. I am a local agent, but I do also offer virtual appointments for my clients if that is proffered.

Answered by Grant Evans on September 22, 2025

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

Answered by Grant Evans Medicare Insurance Agent

Peyton Hanigan · Answer

The 2 biggest advantages of working with a local agent is that you get to know them on a more personal level to see if they are a good fit for you/ your circumstances and they typically have more knowledge on the plans offered in your area and the providers that work with those plans.

Answered by Peyton Hanigan on March 2, 2026

Agent Licensed in TX

Answered by Peyton Hanigan Medicare Insurance Agent

Ted Wallus · Answer

Local and even regional agents will have a better idea of carriers in the local market. Not all insurance carriers are national. There are also state-mandated laws and regulations regarding guaranteed issue rights and medicaid programs that may be available. Your local agent will also be informed about hospital systems and those likely to be in each carrier's network.

Answered by Ted Wallus on June 4, 2026

Broker Licensed in MA, DC, FL, NH & NJ

Answered by Ted Wallus Medicare Insurance Agent

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, FL, OH & PA

Answered by Shane and Tammy Carpenter Medicare Insurance Agent

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

Richard Smith · Answer

A local agent who lives in your community is going to know way more about what’s going on with the different plans, doctors, and Medicine because they live or work in that community everyday. They actual have hands in experience using Medicare plans through themselves, helping family member's or friends. A virtual or remote only know what they see on a computer screen.

Answered by Richard Smith on October 20, 2025

Broker Licensed in SC, MD & NC

Answered by Richard Smith 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.

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.

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.

Bret Swope · 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 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.

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.

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.

Giselle Donval · Answer

Working with someone near you, allows your agent to visit you and conduct the appointment in person if you prefer. In person enrollments establish a deeper relationship and understanding. It is personally my favorite way to conduct an appointment for the best overall experience.

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!

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.

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!

Andrew Zurbuch, MBA · Answer

Not much benefit at all. Go with a professional Broker regardless of where they are located. A Broker whom has expertise in Original Medicare & Medicare Advantage. Someone you can trust.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

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.

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

Jim Tretola · Answer

When working with a local Agent, there is a much better chance that they are familiar with the Networks and Hospitals that you use. That is in addition to having local knowledge of things such as the reputation of Providers.

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.

Kristen Skinner · Answer

It depends. I sell in other states and hope those clients decide to keep me because I do a good job. If an agent lives near you and you like that in person meeting., then do so. Just remember they can scam you just as much as someone remote.

Leslie Kaz · Answer

Working with a local Medicare agent means you get someone who knows your doctors, your hospitals, your local plans, and is available year-round when you need help. Remote agents come and go. Local agents stick with you.

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.

Rich Baker · Answer

With modern technology, your agent can do everything remote that your local agent can do. (I have clients across the country). 

Having said that, your local agent often knows the area better and can relate to your environment better (“that doctor is over on 29th, by the McDonalds!”) and because they tend to work with the local population they can have a deeper understanding of all the plans they offer.

A local agent can come to you, or meet you in person (in their office or a coffee shop, etc),and some people are just more comfortable with someone they can look in the eye in person and not on a video call.

But as I said, I have clients across the country and I take the time to study the plans in their area just like I would if they were here. I think the most important thing is to find an agent that you trust and that takes the time to understand your needs and how the different options can service those needs, be they across town or across the country.

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

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.

Cleo Martin · Answer

When you deal with a local person you have the ability to ask them any further questiins you may have later. Plus if therecis a situation that arises during the year they will be there to answer.  Plus as the years go by you can build a relationship with them so that they will helpbyou find the best program for you each year.

Gus Karigan · Answer

Working with a local Medicare agent versus a remote/virtual agent both have their pros and cons. Here’s a breakdown of the benefits of working with a local Medicare agent near you, and how they compare to a remote one:

⸻

✅ Benefits of Working with a Local Medicare Agent (In-Person)
	1.	Face-to-Face Communication
	•	Some people feel more comfortable discussing personal health and financial info in person.
	•	Easier to build trust when you can meet someone physically.
	2.	Local Knowledge
	•	Local agents often have a better understanding of:
	•	Doctors and hospitals in your area that are in-network.
	•	Local plans and carriers that are more commonly used or perform well.
	•	Community-specific issues (e.g., rural access, local pharmacy networks).
	3.	Help with Paperwork
	•	You can fill out forms together and have someone check everything right there.
	•	This reduces mistakes and speeds up the enrollment process.
	4.	Ongoing, Personalized Support
	•	Easier to build a long-term relationship with someone you can visit again.
	•	If issues come up (like billing, coverage confusion), you may be able to stop by their office.
	5.	Seminars and Community Events
	•	Local agents often hold free informational sessions or community events where you can ask questions and learn about your options in a low-pressure environment.
	6.	More Accountability
	•	Local businesses often rely on reputation and referrals, so they may be more motivated to provide great service and maintain your trust.

⸻

🤝 When a Local Agent Might Be Especially Helpful:
	•	You have complex healthcare needs or prescriptions.
	•	You’re not very comfortable with technology or online forms.
	•	You prefer face-to-face interactions.
	•	You want to understand which local doctors, hospitals, and pharmacies are covered.

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.

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.

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.

Geney Ruesga · Answer

The Benefits of working with a Local agent is you get to see them face-to-face, and once you become their client you have the same Agent or Agency to help you with your future questions or concerns. and they work in your behalf.
Working with a Virtual online or over the phone telemarketer, you do not know if they are a true 
insurance agent or just a salesperson looking out for their interest.

David Haynes · Answer

There are many advantages to working with a local agent. A local agent will know the nuances of the local market and should be available year round to help with questions or problems. Often a major call center agent is a seasonal employee for enrollment season and may not be available when you need them. This is not the case for all call centers of course, but there is a track record for many.

Celeste McGrath · Answer

That is purely personal choice.  With a local agent, the only real benefit is that you can sit down face to face with them. 

You can build a great relationship with a remote agent just like you can with a local 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.

Jason Vallejos · Answer

A local agent would have a better knowledge of your access to care and provider network than an agent found remotely.

Paul Wyatt · Answer

It all comes down to the level of comfortability you have.  Many people prefer having a local agent they can speak to and see for all of their questions and concerns about Medicare.  Also,  that agent will more than likely reach out to you yearly with any plan updates or changes for the next plan year.  Not that there is anything wrong with a virtual agent but many times they may not know the local area and how plans work near you with the local physicians and pharmacies.  This can be especially true when it comes to Medicare Advantage plans.  When it comes to agents in general I would recommend finding a broker, no matter if that is a local or virtual agent, to assist you because they will be able to compare plans across multiple carriers.  When you contact a specific carrier they will only be able to compare the specific plans they offer and you may miss out on a better plan.

Constance Phillips · Answer

Either way, working with a Medicare agent near you or with one who is remote or virtual are both good options. With that being said, it's really a personal preference. I Ancient I'll meet you some f you have an agent who's in your area that agent could meet you somewhere, Relationship come to your home or you could go to that agent's office which can be beneficial if you prefer to meet that person and develop a professional relationship with him or her. With remote or virtual,you would still have the opportunity to meet with a knowledgeable agent. The only difference is it is not as personal as in home but then again it is a personal preference.

Leslie Santos · Answer

There is no difference.  We can offer virtually the same service whether in person or virtually. Is up to you and who you feel most comfortable with.

Rob Campbell · Answer

Working with a local agent will give you the opportunity to speak to an agent who knows not only the plans in your area but also the strengths and weaknesses of them. A remote agent will more than likely go to Medicare.gov, find a plan and recommend it without knowing anything about the plan other than what they can see online.

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.

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.

Dawn Young · Answer

Working with a Broker who offers several plans with different carriers allows for familiarity with different product to be able to compare benefits and networks

Sean Davis · Answer

Working with a local Medicare agent offers personalized service, including face-to-face interactions, in-depth knowledge of local healthcare providers, and potential for better coverage tailored to your community. However, as a remote agent for 35 different states, I work with my customers to offer convenience, access to more plan options, and potentially deeper expertise due to working with multiple carriers. I take the time to learn the area's plans and even though I am not local, I will make my customers feel like I am, and they are treated just like my local customers and stay with me year after year because they know I take care of them.

Answered by Renee Brown on May 12, 2025

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

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.

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

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.

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.

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 a lot.

Kim Humphries · Answer

Working with a local agent allows you to build a relationship with that agent/broker who will have your best interests in mind.  Sitting down with an agent allows you to see the plans in your area and make sure your doctors and hospitals are in your network.  Agents in a "call center" do not meet you and do not know the plans in your area as well as your own agent in your area.   I would love to be your local agent if you are in my area of SW Florida.  Kim Humphries

Bruce Kaserman · Answer

I b live that it doesn't matter.  What I believe is important is the agent's level of experience, his or her competency and whether your personalities connect.  A good advisor will be able to show you, either through conversation or through his or her actions whether they can work for you.

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.

Diane Walker · Answer

Seeing clients in person is the way to go.  First of all, you meet them in person.  You can take your time and show them all the benefits and options side by side on your computer.  I find more questions come up in person than virtual.  The visual part of in person is what seals the deal for my reason for visiting my clients in person.

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.

Clare Goyette · Answer

When possible, I always prefer working the first time in person if possible. I do like Zoom, it allows me to set up all files to share ahead of the appointment. The shared screen option allows the client to verify the application information as I enter it.  Either method works well, the challenge going forward is more and more elderly clients have stopped driving or cannot use technology.

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.

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.

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.

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.

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.

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.

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.

Vachik Chakhbazian · Answer

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

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

Mary Brown · Answer

If you value personal relationships, like meeting in person, and want someone who truly understands your local networks, a nearby Medicare agent is ideal.
If you prefer convenience, travel often, or want access to broader options, a virtual agent may be a better fit.

Many remote agents offer evening or weekend appointments that fit your schedule.

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.

Meghan Blankenship · Answer

Working with a local Medicare Agent offers more personalized, face-to-face support and deeper knowledge of your area's plans and providers, while remote agents provide convenience and broader access to national options.

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.

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

Suzanne Lamperti · Answer

Check the plans offered in Florida.  See which one matches your needs. You will have to switch unless your current plan is nationwide.

Dean Chiapetto · Answer

A local agent knows your specific area and the plans that work the best. Local agents are interested in making sure they take care of their clients. Phone agents are interested in making a sale. Brokers make a difference.

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.

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 Conner · Answer

I feel that working in person with someone gives more peace of mind and there are so much to Medicare and policies carriers information and going into an office. They can show you on big screens and go through everything extensively and you build a relationship and trust between each other.

Pat Papson · Answer

Hello

Since most agents are very adapt in the products they sell.

It is so much easier then you having to navigate these muddy waters alone.

Hope this helps..

Thank you

Jaye Maxx Alexander II · Answer

The benefits are evident in how you feel when conducting business face-to-face or using technology. The local agent may not be a broker and can tailor the best program for you,because the only work with one company. When you work with a remote or virtual agent and broker, you will have the benefit of the conversation being recorded  and held for 10 years .

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.

Mel Stevens · Answer

If you find a good local agent you will ensure that you are enrolled into a proper plan, all of your docs are in network and a better understanding of medication costs. In addition, a good agent will make sure you verify qualification for LIS level 1, 2 and 3. Unfortunately, more times than not when I find somebody is enrolled into a plan that is not working for them there is 1 thing in common.   They signed up for a plan over the phone with somebody in another state or sometimes even in another country that didn't review all of the details. There are hundreds of plans and not everyone's needs are the same.  When it comes to Medicare, one size does most definitely does not fit all! 
Perhaps the most important reason not to sign up with someone you don't know over the phone is the fact that Medicare scams are running rampant these days. Be careful out there folks.

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.

Don Hansford · Answer

The most important reason is familarity of the local market. Every market is unique when it comes to the doctors and hospitals, they all have their quirks. Having someone local who understands those quirks can be invaluable.

Tamela Clayton · Answer

A good Medicare agent doesn't have to be in your neighborhood to give you strong help. Whether we meet by phone, video, or in person, my job is the same: to explain your options in plain language, check your doctors and prescriptions, and help you pick coverage that fits your real life.

Remote meetings can actually be more flexible and convenient, especially if you have mobility or transportation issues.

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.

Sam Silva · Answer

Working with a local Medicare agent offers personalized service, including face-to-face interactions, in-depth knowledge of local healthcare providers, and potential for better coverage tailored to your community. However, as a remote agent for 35 different states, I work with my customers to offer convenience, access to more plan options, and potentially deeper expertise due to working with multiple carriers. I take the time to learn the area's plans and even though I am not local, I will make my customers feel like I am, and they are treated just like my local customers and stay with me year after year because they know I take care of them.

Answered by Renee Brown on May 12, 2025

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

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.

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.

Jeffrey Sodikoff · Answer

NONE. 

ANY MEDICARE AGENT LICENSED IN FLORIDA CAN ASSIST YOU REMOTELY. THE ONLY POSSIBLE ADVANTAGE IS THAT THEY MAY BE ABLE TO RECOMMEND DOCTORS AND HOSPITALS TO YOU IF THEY LIVE IN YOUR AREA. MY 35 YEARS OF EXPERIENCE IN SOUTH FLORIDA HAS BENEFITED MANY OF MY CLIENTS THAT LIVE NEAR ME BUT I ALSO HAVE CLIENTS ALL OVER THE STATE. I AM VERY WELL KNOWN FOR MY NO-COST, NO-OBLIGATION MEDICARE CONSULTATIONS. YOU CAN CONTACT ME.

Jim Willis · Answer

A local agent should be familiar with the doctors, hospitals and pharmacies in your area.  They can help you find a Primary Care Doctor or Specialist if need be.

A local agent should be available all year long to help you with copay information, hospital charges, etc.  The remote/virtual agents do not know you or the area you live in.  They do not know which doctors may not take your insurance.

Lillian Hill · Answer

Subjectively: it depends on individual preferences of time and convenience. 

Objectively: there are obvious distinctions of observations one can make on body language, social skills, area knowledge, logistics and vibes. 

Ultimately: both options can work well depending on what is valued most.

🦉

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.

Michelle Ryan · Answer

I feel like it is VERY important to at least meet the agent you will be working with. That being said a virtual meeting can be done by Zoom or Microsoft Teams with cameras ON so you can still have a "face-to-face" meeting. This also allows for screen sharing so the agent can still visually compare plans for you. However, a STRICTLY PHONE call remote meeting is not something I recommend for anyone discussing Medicare insurance options. There are just too many scams, a lot of information to convey clearly, and comparing plans without looking at them side by side can be hard for even the youngest client not on Medicare. 

In my opinion, you should always be able to put your EYES on: your agent, your plan comparison, and your chosen plan details BEFORE signing the application/contract.

John Messler · Answer

I believe working with a local agent versus somebody over the phone that you’ve never met before can be someone that you can get references on and meet with face-to-face. It is much easier to get a good opinion on someone after meeting and talking with him then just someone over the phone.

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.

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.

Bud Griffin · Answer

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

Chad Hardy · Answer

Both can be great—it really comes down to your preference.

Working with a local agent can be nice if you prefer face-to-face conversations or want someone nearby who understands your area.

That said, a virtual agent can offer the same guidance, plan comparisons, and ongoing support—just in a more convenient, flexible way.

In either case, the most important thing is working with someone knowledgeable, responsive, and independent who can help you find the right plan and support you year after year.

Jeremy Watson · Answer

The biggest advantage of working with a local agent is their familiarity with the area, market, networks, hospitals, etc. Any agent can look up the basic information, but a local agent may have a more intimate knowledge and be able to provide a bit more insight into things. 

Whether you choose a remote/virtual agent or a local one is 100% your choice and perfectly ok. There is no right or wrong as long as you trust the person you are working with to do the right thing for you!

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.

Deborah Kemp · Answer

More knowledge of the area you live and what doctors and resources are available to you. A better understanding of distance issues or lack of resources for a rural area.

Patricia Graham · Answer

That is a no brainer a real person to look you in the eyes to know that they are there to help you with your needs and not their own just a phone call away of a robocall and a person on the other end that knows nothing about your state nothing who knows about anything about you absolutely not

Patrick Stinson · Answer

I don't think that there is any benefit there. You want to make sure the agent is not captive, in my opinion, meaning they only represent 1 carrier. Either way, when it's all said and done, you will have all of the agent's information. In my opinion, you receive better service from an independent agent/broker than you will from a company agent. I hope this helps!

Tristan Gibbs · Answer

An agent near you will be well versed in the plans available in your area. They will have thorough information on the networks associated with those plans, as well as what is and is not covered. They often know medication pricing and which pharmacies offer the most help on certain prescriptions. They will be able to help you find doctors, specialists, and more, as they know the area well.

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.

Ray Rios · Answer

Pros and Cons. It's always the choice of the Beneficiary. Having someone locally always is convenient and beneficial as a local agent will know the market. At a distance, convenient if the client lives in a rural area.

Jose Felix Arevalo · Answer

A local Medicare agent and a virtual agent can both do a great job; the difference is how they support you. Here’s a clearer, slightly deeper explanation without getting long-winded. A local Medicare agent gives you personal, face-to-face help and knows the doctors, hospitals, and pharmacies in your area, which makes choosing the right plan easier. A virtual agent gives you fast, convenient help from home, with flexible hours and quick comparisons by phone or computer.

Brenda Watson · Answer

Today, i don't think it really matters if they're local or virtual.  The only reason you would absolutely have to have a local agent is because you can't read the prescription bottle and don't know how to take a picture and send it to your agent.  For the most part, everything can be done on the phone today.

Thermon Holliday · Answer

Local agents should have more knowledge of the local marketplace: doctors, medical groups, etc.  They should be able to offer insights to assist in your selection process.  However, a virtual rep. If educated and studied, they may have similar abilities.  

We have both local knowledge and national coverage to offer to our clientele.
Contact me

Albert Smith · Answer

The question is, what are the benefits of working with a local agent versus a remote agent? We can start by saying that personalized face-to-face service is a big advantage. In-person meetings allow for clearer communication, which is especially helpful for those who have computer issues. You can actually bring physical documents, which are easier to handle than scanning and uploading. Plus, you can meet that individual in person, which often builds trust and rapport. You may feel more comfortable with local advice, and local agents tend to build long-term relationships with clients and even help with family members directly.

A local agent likely knows the general doctors in the area, hospitals, and specialists available for various Medicare Advantage or supplemental plans. They are also aware of local healthcare trends that affect carrier reputations. An agent can help you fill out forms correctly during a meeting and often handle submission for you, saving time and avoiding errors. If something goes wrong, such as billing issues or claims confusion, a nearby agent can often meet with you quickly to resolve it.

Many local agents, like myself, host free one-on-one sessions, which can be helpful if you're a new agent. That's just some of the information available to you if you work with a local agent versus a remote agent. At times, it can be hard to get a hold of the same individual when working remotely. Usually, if it's a local agent, they're within driving distance, and they can provide better service. Their goal is to meet with you to keep you as healthy as possible. If you need anything else, give me a call. Thank you.

Danielle Jimison · Answer

Working with a local broker/agent  gives a unique "insider info" that comes with someone that lives in your zip code.  They will know the local hospital systems, doctors working with specific carriers. Face to Face its often easier to catch the "fine print' when someone is pointing to it on a specific page!  The agent/Broker will also be familiar with local senior centers , community clinics or specialized pharmacies that a remote agent in another state wouldn't have on their radar!

Jajuan Knox · Answer

Working with a Medicare agent near you lets you meet face-to-face, go over your options in person, and get help with paperwork or questions right away. Local agents also usually know the doctors and plans in your area, which can make choosing the right coverage easier.
A remote or virtual agent can be just as helpful and convenient since you can talk by phone or video whenever it works for you, but meeting someone in person can feel more personal and give extra peace of mind. Either way, an agent — local or virtual — can guide you through your choices and make sure your plan works with the rules from the Centers for Medicare & Medicaid Services.

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.

Diana Muhammad · Answer

Great question!  The advantages of working with an Agent are, among many, you can get your questions answered, directly.  You can speak to someone who is familiar with the Plans in your area,and most importantly,  it can cut down on the time you would save from doing it yourself. 

I am happy to help!

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.

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.

Lakisha Bryant · Answer

The benefits are you can contact that local agent and request an in person appointment. Virtual agents may not be able to accommodate this if you desire to go to a local office.

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.

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.

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.

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.

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.

Marc Gilman · Answer

It is highly dependent on my customer's preference and their current health status. If you have significant medical conditions or a large number of prescriptions, it is highly beneficial for us to meet in person.
Even if we do not meet in person for our first meeting, i always try to meet all of my customers based as our mutual schedules permit.
I am very proficient at solving problems for my customers without their in-person involvement or even thier time. This week, I solved a challenging drug coverage issue for a customer. She needed access to a very important Chrohn's disease prescription. The drug is a non-formulary Tier 4 injectable drug. It required me to visit the local specialty pharmacy twice, three calls with the insurance carrier, and an extra call to the carrier's specialty pharmacy. The end result was a filled prescription at her plan's copay rate of $250 versus the initial payment request of $2,132 by the local pharmacy.

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.

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

Luis Mendoza · Answer

If you want personal, face-to-face reassurance and strong local knowledge, go with a nearby Medicare agent.

If you want speed, flexibility, and a wide range of options, a remote/virtual agent might be a better fit.


Honestly? The best of both worlds is finding an agent who can do both—someone local who offers virtual support when you don’t feel like leaving the house.

Tami Baker · Answer

Local Agents are familiar with Providers & Facilities and can generally offer more personalized service for your area.

We know who accepts the Ancillary benefits, as well. Plus, we are your neighbors. We're are always just a phone call away!

Dodi Befferman · Answer

Working with a Medicare agent can simplify the process, get personalized guidance, can access a wide range of plans from various carriers and help navigate the complexities of Medicare.

Kim White · Answer

Having an agent close by means you can have those in person meetings. However from personal experience I will say that even with clients who are not close enough for in person meetings, good trusting relationships can still be built. Building trust is most important.

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.

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.

Robin Earley · Answer

There are multiple benefits of working with a Medicare Agent near you. 
I. Local Agents have a personal interest in helping neighbors and their communities.
2. Agents that are located near their clients are more likely to keep periodic contact with their customers.
3. Agents that are familiar with local businesses, physicians and hospitals can give clients an accurate referral to facilities in their area.
4. In case of customer service issues, clients can speak with a familiar, trusted representative that will be available to assist with any questions regarding their needs and concerns. The Agent will be available to personally discuss concerns,  without the caller enduring multiple department transfers and long waits for a representative.

Jody Hill · Answer

Personal service.  It's also important to work with an agent that knows the area and which plans may be a better fit for the beneficiary.

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.

Sterling Warmack · Answer

Having an agent that works in your state is going to be more familiar with your state by Nature. They have the advantage of understanding the types of things you have to deal with regarding healthcare as they are likely using the same types of Hospital systems that you are. 

I am familiar with every hospital in the area where I live as well as several other hospitals throughout the state. But if someone were to speak of Hospital systems and other states I'm probably not going to have any idea about where they're located, how far reaching the system is, if there's other options in their area, Etc. 

Also being a local agent I have the pleasure of having met many independent pharmacists, other such providers so that I can say honestly that I understand where an individual is coming from if they say they would rather not use a provider or would prefer to only use a certain provider. 

However, I will not discount the fact that being able to work with an agent virtually is advantageous in many situations. I do not always meet with my clients in person and often handle issues with my clients either over the phone or over email. This not only makes easier and more convenient for my clients,  but it also makes it quicker for me to get them answers. 

I do prefer to meet with my clients in person though, especially for making any major plan changes so that we can go through all the details verbally while looking at them on paper. I find this simplifies the process that is otherwise quite complicated.

Steven Guiness, CSA · Answer

A local agent is here to meet with you and help you before and after the sale, You can always speak with the same helpful broker that worked with you. they know the plans in your area, and are local plan specialists,

Remember a BROKER represent many company's, NOT JUST ONE, SO THEY CAN FIND YOU THE BEST PLAN FOR YOU. THEY SHOULD CHECK ALL OF YOUR DOCTORS AND MEDICATIONS, AND IF ADVANTAGE PLAN MAKE SURE THAT all are covered by the plan, not just some.

Sherri Beach · Answer

Working with a local Medicare agent offers the benefit of personalized, in-person support. A local agent is often more familiar with the doctors, hospitals, pharmacies, and Medicare plan networks in your specific area, which can make a big difference when choosing coverage. They may also be more accessible if you prefer face-to-face meetings or need hands-on help reviewing plan materials or resolving issues.

Local agents also tend to build long-term relationships within the community, which means you often have a consistent point of contact year after year for plan reviews, claims questions, or coverage changes. Many clients appreciate having someone nearby who understands local healthcare systems and can respond quickly when something comes up.

On the other hand, remote or virtual agents offer convenience and flexibility. You can meet by phone or video from anywhere, often have quicker scheduling options, and still receive help comparing plans, enrolling, and reviewing coverage. Many experienced agents work successfully with clients entirely online.

In the end, both options can provide excellent support. The most important factor is choosing a licensed Medicare agent you trust — someone who takes the time to understand your doctors, prescriptions, and budget, and helps you find the plan that truly fits your needs.

Seyed Kamarei · Answer

Personal service,easy answer fast solution, local knowledge, No extra cost, No pressure, just good advice,

Michael Reardon · Answer

You can meet in person, ask questions directly, and go over your plan options together.
	•	It’s easier to build trust when you can sit down with someone and review your paperwork side by side.

You can get help from anywhere, without leaving your home.
	•	Perfect for people with limited mobility or busy schedules.

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.

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.

Ken Brzezinski · Answer

Medicare Agents that are local will have a better understanding of the of the Medical services available to you, Which Doctors are covered and potentially whether or not your doctors are covered.

Grant Hamilton · Answer

Medicare Agents in a local office should have a general knowlege of the area that should be helpful.  For example, where I live in Washington State, there is a Vancouver, Washington in addition to a Vancouver, British Columbia.  The locations are 4 hours apart by freeway.  Someone who is not local may not be aware of the differences between the two cities and send a client to a clinic in a wrong location.

Medicare Agents who are local can be met in person.  Some people prefer a local office to help them with a Medicare Plan.  They want to be able to look the agent and make an assessment if the agent is trustworthy.  Local agents will ususally engage in the community.  They will set up eductional tables and senior centers, health fairs, and other community activities.  They may also reach out to doctors and clinics in order to get a better overview of plans accepted and services provided.

Remote or virtual agents may be available different hours that may work better with an individual schedule.  When I had my first job as a contractor working remote I might be working until 7:00 pm or on Saturday.  Many agencies that meet clients in person may work a standard Monday through Friday and end the day at 5:00 pm or 6:00 pm.

Remote agents may be licensed in more states.  If you move to a new state, you may still retain the agent if they have a license in the new state.  However, do not automatically write off a local agent.  They may have licenses for multiple states as well.  Remote agents *may* also have acess to more products than a local agent.  (Please note the emphasis on the word *may*.)  

Overall, it comes down to client preference when meeting the agent.  I think the local agents still have the advantage because of the ability to meet in person.  Local agents can meet by phone or by video conferencing.  Remote agents do not have the ability to meet in person.

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.

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.

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.

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.

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.

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.

Maxine Rosen · Answer

It is most helpful to work with an agent who understands the market in which an applicant lives. Whether the agent is remote or local really is not an issue.  However, it is important to always work with an "independent agent" and not one who is "captive" to only one company. Then knowing the market in which someone lives just relies on careful research by an ethical and honest agent.

Craig Livers · Answer

A local. Licensed agent will, in most cases be more knowledgeable about the plans available in your area. Having someone in your back pocket like me will mean better customer service and sone that always responds to questions and phone calls when needed.

Todd Hassard · Answer

Personalized service is important in navigating Medicare and in determining which plan is best for each individual. I have found that my customers like having someone who knows and understands their needs when it comes to their health care coverage.

Curtis Griffith · Answer

It is really up to you and what your preferences are,  Fortunately, we are able to accommodate you in whichever way you feel most comfortable with.  Don't hesitate to let your Agent know, up front, what type of experience you would prefer.  And if he or she is unwilling or unable to work with your needs and preferences, there are plenty of Agents out there who will.

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.

Jessica Kleinsasser · Answer

It is easier for a local agent to review any prescriptions or healthcare questions in person versus remotely. In person you can get your questions answered more in depth.

Edward Fisher · Answer

It all comes down to your preference. Are you more comfortable with face-to-face contact with the agent rather than remotely? Either way works fine.

Remember: All Medicare agents must be licensed to do business in your state, whether in person or remotely. All agents are also required to be re-certified each year by each carrier they represent. 

With today's technology, agents and clients can see each other online and review documents together, even though they are not in the same place. More and more seniors are getting accustomed to doing things virtually because of e-commerce and to stay connected with their children and grandchildren. The key is whether you trust the agent you're working with to put your best interest first.

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.

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.

Joan E Kealy · Answer

Some people are hands on and face to face people. If this is you, then it would benefit you having an Agent that you can meet in person.

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.

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.

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

Kelly Wabiszewski · Answer

As someone who studied Organizational Communications, I recall being particularly intrigued by the proximity principle. Three things to think about when considering working with a local Medicare agent:
	1.	Communication is often more frequent and effective between people who are physically close to one another.
	2.	We often share similar experiences and common community interests, which can enhance compatibility and strengthen our working relationship.
	3.	One of the most important aspects of our role as agents is to listen. When we are in close physical proximity, we “listen” to more than just your words, picking up on subtle emotional cues, vocal elements, and body language, which helps develop emotional understanding and fosters a trusted connection.

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

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.

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.

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!