Why do some agents push Medicare Advantage plans over Medigap-should I be skeptical?

Question

Jeremy Watson · Accepted Answer

There are 3 potential reasons that an agent might do this; 

1 - Medicare is easier to sell than a Medicare supplement when it comes to talking points. They are often $0 plans that offer additional benefits, whereas Medigap plans have additional premiums and no extra benefits. Advantage plans may even reduce your part B premium. So, on paper, they sound amazing and are easier to get someone to say yes to.

2 - Compensation for Medicare Advantage plans is higher than for Medigap plans. Unfortunately, there are agents who sell plans based on their best interest and not the client's.

3 - They may not be contracted to sell Medigap plans.

Generally, agents should take a neutral standpoint. They should explain the pros and cons of all coverage types and help the client choose what is best for them and their situation. Any agent who pushes one specific plan or coverage is usually doing a disservice to the client.

Hudson Albert · Answer

This is a fair question, and the answer is: sometimes there are legitimate reasons, and sometimes financial incentives influence recommendations. You should not automatically be skeptical — but you should ask questions.

Why Some Agents Recommend Medicare Advantage

Some agents recommend Medicare Advantage because:

* Lower upfront cost: Many plans have low or $0 monthly premiums beyond your Part B premium
* Extra benefits: May include dental, vision, hearing, fitness benefits, transportation, etc.
* Maximum out-of-pocket protection: Original Medicare by itself does not have a spending cap
* Local network options: Some plans work well in certain areas

Why Some Agents Recommend Medigap

Many agents recommend Medigap because:

* Greater flexibility to see providers that accept Medicare nationwide
* Less concern about networks and referrals (depending on plan type)
* More predictable healthcare costs
* Often preferred by people who travel frequently or want broader access

Agents can be compensated differently depending on the product and carrier. That does not automatically mean bad advice, but it does mean you should ask:

✅ “Why are you recommending this plan specifically?”
✅ “What are the disadvantages?”
✅ “What happens if my health changes later?”
✅ “Show me alternative options.”

Be cautious if someone:
* Pressures you to enroll immediately
* Says “everyone should get this plan”
* Avoids discussing disadvantages
* Refuses to compare alternatives
* Talks mostly about benefits but not costs, networks, or risks

The Better Question Is: “Which option best fits my health needs, budget, travel habits, doctors, prescriptions, and risk tolerance?”
For example:
* Someone healthy who wants lower premiums may prefer Medicare Advantage
* Someone who wants maximum provider flexibility may prefer Medigap
* Someone who travels frequently may value nationwide access differently

Beware of agents who start with product selections instead of a needs analysis

Joshua Ruiz · Answer

Why Some Agents Push Medicare Advantage Plans:
Higher Commissions:
Medicare Advantage (Part C) plans often pay agents higher upfront commissions than Medigap (Supplement) plans — especially in the first year.

No Medical Underwriting:
Advantage plans are guaranteed issue during certain periods, while Medigap may require medical underwriting if you're outside your Open Enrollment. So agents may lean toward what’s easier to get approved.

Bundled Coverage:
Advantage plans often include Part D drug coverage, dental, vision, and extras — so they’re an “all-in-one” pitch that’s easier to explain and sell.

Lack of Training or Licensing:
Some agents aren’t certified or contracted to sell Medigap, so they steer clients to the plans they’re authorized to offer.

Be cautious — but not cynical.
A good agent should educate you on both options:

Medicare Advantage: Lower monthly premiums, but networks, copays, and prior authorization.

Medigap + Part D: Higher monthly cost, but more freedom, fewer out-of-pocket surprises, and no referrals.

If you're not hearing a comparison of both, ask questions or consider getting a second opinion.

Janix Barbosa-LLanos · Answer

Answer from Janix Barbosa-Llanos, MBA, PMP, CEP, RSSA, FSN
(Licensed Insurance Agent — For Educational Purposes Only)

In my experience, agents don’t necessarily push Medicare Advantage plans over Medigap plans. The recommendation usually depends on several important factors that vary from one person to another.

1.	Financial situation: Not everyone can afford both a Medicare Supplement plan and a separate prescription drug plan. In addition, dental and vision coverage are usually purchased separately. For people living on a fixed income, that combination may simply not be realistic.

2.	Eligibility and resources: Some individuals qualify for both Medicare and Medicaid. These beneficiaries generally have limited income and resources, which makes Medicare Advantage (often at low or no cost) a more practical option for them.

3.	Benefit preferences: Many people like that some Medicare Advantage plans include extra benefits—such as dental, vision, hearing aids, gym memberships, often at no additional cost.
Every person’s situation is unique. That’s why I always recommend reviewing both options carefully with a licensed agent who can explain the differences in coverage, costs, and provider access so you can decide which path fits your health needs and budget best.

******************
Medicare / CMS Disclosure
For educational purposes only. Not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

Edward Carpenter · Answer

Most of the time, it’s a math problem. With Medigap, you pay a monthly premium. But, you must also qualify medically for a Medigap Plan. You also continue paying your Part B premium. You don’t get dental and vision, so you pay extra for an outside plan. And you don’t get prescription coverage with Medigap, which you must have or be penalized. Prescription coverage has gone way up in price. What people like is, with Medigap, you can go to any doctor that takes Medicare- no networks. And if you get a good plan (higher premium) you’ll only pay your deductible and Part B premium, and all other medical expenses will be covered at 100%. And you may have some overseas coverage. The bottom line is you will pay between $300-$500 per month to be fully covered with a Medigap Plan, Dental, Vision, and Prescriptions- whether you use it all or not, or you you can have a Medicare Advantage Plan, which covers all of that for usually no premium, (some even give back the Part B Premium!) and pay copays as you go along, with usually a $3,000-$6,000 maximum out of pocket you would ever pay in one year in the worst case scenario! (hmm… that’s $250/$500 per month worst case scenario) And many Medicare Advantage plans give free gym membership, out of hospital meals, and some other benefits. Or, you use very little benefits per year and have very little cost out of your pocket. The Medigap Plan forces you to pay that monthly cost whether you use it or not. See, mainly a math problem.

Answered by Edward Carpenter on February 2, 2026

Broker Licensed in FL

Answered by Edward Carpenter Medicare Insurance Agent

Fred Manas · Answer

Some Medicare agents may push Medicare Advantage plans over Medigap due to higher commissions & financial incentives. It's important to be skeptical & do your own research to ensure the plan aligns with your individual needs & preferences. 
Why agents may push Medicare Advantage: Higher commissions: Agents generally earn more for enrolling beneficiaries in Medicare Advantage plans compared to Medigap. 
Financial incentives: Brokers & agents have a vested interest in enrolling beneficiaries in Medicare Advantage plans, as they are paid more for doing so. 
Marketing & advertising: Medicare Advantage plans are heavily advertised, making them seem appealing with their low premiums & extra benefits. 
Perceived ease of enrollment: Some agents may emphasize the simplicity of Medicare Advantage enrollment, potentially overlooking potential drawbacks. 
Reasons to be skeptical & do your own research:
Network restrictions: Medicare Advantage plans often have provider networks, which can limit your choice of doctors & hospitals, especially if you travel or prefer specific healthcare providers. 
Prior authorization requirements: Medicare Advantage plans may require prior authorization for certain procedures, which can be inconvenient & lead to delays in care. 
Potential for hidden costs: While Medicare Advantage plans may have low premiums or no monthly premiums, out-of-pocket costs can still add up, particularly if you use out-of-network providers or have high copays. 
Switching difficulties: Switching from a Medicare Advantage plan to Original Medicare with a Medigap plan can be difficult, with potential underwriting issues or denials, especially if you have existing health conditions. 
What to do:
Thoroughly research your options:
Don't rely solely on agent recommendations. Compare Medicare Advantage plans and Medigap policies based on your individual health needs, preferences, and financial situation. 
Ask questions. Consider a neutral source. Seek Independent advice.

Brenda Watson · Answer

Yes you should be skeptical. Recently, while I was in a meeting with united healthcare, I learned only twenty percent of agents who help individuals in the medicare market offer both medicare, supplements and medicare advantage plans. In my opinion, this is due to two reasons. The first reason being individuals answer a help wanted ad to find out that it's insurance. They know nothing about insurance and the agency helps them get their license. Those individuals are taught only medicare advantage. I can confidently say that because when I went into medicare from property and casualty in the year 2005 that's exactly what the agency did to me. It wasn't until I realized what these plans actually were and talk to different company that I learned about medicare supplement. So if an agent doesn't know anything about medicare supplement, and they've only been taught medicare advantage, they're only going to offer medicare advantage. Now, to answer, the second reason is the agent is financially incentivized to only offer you medicare advantage. Think about it this way, you go to a job interview and the hiring individual tells you they can pay you a $100 a day to do the job or $200 a day to do the job and it's the same job. Which pay would you choose? Anyone in their right mind would choose double the pay. That is, the incentive to selling medicare advantage over a medicare, supplement. As an agent, I am incentivized to sell you only a Medicare advantage plan because they will pay me twice as much. If not more, then what the insurance company will pay me for a medicare, supplement.

Answered by Brenda Watson on August 4, 2025

Broker Licensed in OK & AR

Answered by Brenda Watson Medicare Insurance Agent

Charise Karjala · Answer

I love this question: Why do some agents push Medicare Advantage plans over Medigap? And should I be skeptical? Yeah, be skeptical. Be very skeptical. Medicare Advantage plans for sales agents are incentivized for sales. Many younger agents only have a contract with one or two Medicare Advantage companies. So they will sell you hard on Medicare Advantage. They'll tell you all of the wonderful things that may or may not be true about that Medicare Advantage policy.

One case in point was a fellow I had as a client who came to me for a second opinion. He said, "Why did this happen?" He had bought a policy from an unknown, unnamed company. If you call me and ask, I'll tell you who it was. But it was a large name, and it looked like he had no copays. Here, I got a few dollars back on Social Security, and it was all looking just dandy. And so he signed up.

This man had just above the medical threshold for income, which, as you're probably aware, is very, very low. Then he ended up in an emergency situation where he was held up to the High Desert Medical Center, and he was graced with a $5,800 bill. A $5,800 bill for somebody who lives on approximately $1,600 a month. If that man had been appropriately placed in a policy with a different carrier, he would have paid $150 or $200. That's it. That man was sold a policy.

So that's what these people do: they sell you stuff. They're not doing a full needs analysis. They're trying to meet their metrics. They're trying to get 100 done. If you knew how much money people were making by churning through policy changes every year without the thought of a long-term strategy for the beneficiary, you would want to be sick. I'm sick of it. I'm sick of listening to the commercials on TV that tell little old ladies they'll get free money. It's dreadful. It's absolutely dreadful.

So here's the deal from my opinion: if it sounds too good to be true, run away. Go find a broker that's been doing this for a long time. Like I'm talking 15 years. That represents at least ten different companies. That works in probably more than five or six states. At that point, you've got somebody who's been around the block a little bit.

Douglas Carney · Answer

As a Medicare-specialized health insurance broker, the right choice always depends on your needs! Some agents favor MA plans because they often have lower premiums, including extras like dental or vision, while Medigap plans have higher premiums and stricter enrollment rules. 

MA plans suit those seeking affordability, capped max-out-of-pocket expenses, and bundled benefits but come with network limits and prior authorizations. Whereas Medigap provides standardized coverage and nationwide provider access but with a monthly premium on top of the part B cost. Be wary of pushy agents; a good one will compare both to find your best fit, empowering you to choose with confidence!

Joni Kattau · Answer

If the agent is a 'captive' agent, then they are going to push the plans offered by their carrier and possibly plans that help them meet a quota or get a bigger commision. 

As an Independent Medicare Broker, I represent 7 carriers that offer dozens of different plans (Medicare Supplement, MA, MAPD, PDP, C-SNP and D-SNP). My job is to review the clients needs and present them options bases on those needs. My guidance is unbiased and my only interest is doing what's best for the client. Clients should never be pressured to pick one type of plan over another.

Stephanie Floyd · Answer

Some agents lean toward Medicare Advantage because the premiums are lower and the plans bundle a lot of benefits people often ask about. Others focus on Medigap because it offers more freedom with doctors and fewer surprises. Neither option is automatically right or wrong — it really depends on your health history, your doctors, your prescriptions, and what you want your coverage to do for you.

What matters most is that your agent takes the time to do a thorough review of your actual needs, not just the surface-level details. For example, if someone is looking ahead to the new CMS dementia care model, they need Original Medicare — not an Advantage plan — to access it. That’s the kind of nuance a good agent should catch.

You don’t need to be skeptical, but you should expect your agent to explain both paths clearly, walk you through the trade‑offs, and make sure the recommendation fits your situation, not theirs.

Matt Maresch · Answer

In my personal opinion, there are no “bad” plan types.  Medicare Advantage and Medigap are simply two different ways to navigate the healthcare system once you move into Medicare.

Medicare Advantage may work well for someone who is comfortable using a plan network, wants lower monthly premiums, and understands that copays, prior authorization, and network rules may apply.

Medigap may be a better fit for someone who wants more flexibility with doctors and hospitals, is comfortable paying a higher monthly premium, and wants to reduce out-of-pocket uncertainty.

As far as agents pushing one option over another, the honest answer is this: compensation can drive behavior. T hat does not mean every agent is giving bad advice, but it does mean you should ask a lot of questions.

A good agent should be able to explain both options clearly, compare the pros and cons, review your doctors and prescriptions, and explain why they are recommending one path over the other.

Nick Mangini · Answer

There are a few reasons why agents push Medicare Advantage plans over Medigap plans! Yes you should be very skeptical! The reason why they push Advantage Plans is because they actually get a HIGHER COMMISSION when you enroll in an Advantage plan! It's very easy to entice clients to get an Advantage plan when many of them are FREE and have NO premiums! NOTHING IN LIFE IS FREE!!! Medicare insurance is NOT free! There's millions of agents out there pushing Advantage plans but they are hurting seniors because they are not truly informing them of the pros and cons of Advantage Plans vs Supplement Plans. It's a lot easier to tell someone they can get a FREE plan that comes with "extra benefits" like a flex card to pay for bandaids and tylenol but they NEVER tell you that you are REPLACING Medicare as the Primary Payor of the claims so therefore you DO NOT have Medicare when you REPLACE it with a managed-care plan (aka Advantage Plan). The agents don't tell you that Advantage Plans DO NOT cover the 20% of chemotherapy/radiation and the top cancer facilities DO NOT accept Advantage Plans! As a licensed agent, we have been telling people the truth about Advantage Plans, like how you most likely will never get a Supplement Plan later on in life when you realize that he Advantage Plan has failed you once you actually have a health condition that they won't pay for! -Nick Mangini

Answered by Nick Mangini on September 4, 2025

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

Answered by Nick Mangini Medicare Insurance Agent

Andrew Bennett · Answer

Commissions are much higher with Medicare Advantage over Medigap so yes, you should be skeptical.  There are also significant drawbacks to Medicare Advantage plans.  With an Advantage Plan the insurance company is managing the whole kit and kaboodle.  They can get between you and your doctor and put up roadblocks to your getting the care you need.  They do this in the name of saving us all money, but sometimes it seems more like they are protecting their profit more than protecting you.  

On top of that there are changes every year to your plan, networks to deal with, and out-of-pocket maximums that might be higher than you remember when you signed up (do to those annual plan changes).

Be skeptical.  

They do fit sometimes, but often people go with them because they are less expensive on a monthly basis.

Tamela Clayton · Answer

Some agents do push Medicare Advantage because it's quicker to enroll, the plans often have low or zero premiums, and that can mean faster commissions for them.  That doesn't automatically make Advantage bad, but if someone ignores Medigap completely or won't even compare it for you, that's a red flag.   As an independent agent, I work with both Medicare Advantage and Medigap.  My job is to walk you through how each works, what you'd pay now and later, and which one actually fits your health, doctors, and budget.  You should not have to fight an agent to hear about all your options -or feel pushed instead of educated, it's smart to be skeptical and get a second opinion.

The goal should always be education first, sales second.

Mark Davisson · Answer

It is my belief that when an agent is only discussing Medicare Advantage plans it i because they are working for a large organization that has likely hired them to sell MAPD's and not supplemental policies.

MAPD plans are governed by CMS and there are very strict rules of engagement that have to be followed.  The agent must be AHIP certified and certified with each of the carriers and products they represent.   

Over 10 years ago I was hired by Humana and was trained to only sell CMS related products such as MAPD and PDP plans with no training or mention of the optional supplemental policies that operate under entirely different rules.  Understanding the complexity of selling supplemental policies also necessitates the understanding of all sorts of rules as to a person's ability to secure one of these policies either through initial Medicare aging in, SEP's guarantee issue, and underwritten, all of which are taken into account when working with potential clients.

Money is always a factor and MAPD plans generally do not carry a monthly premium while supplemental policies do.  Each client has different needs so the ability to discuss both options is always in the best interest of the clients we are serving.

Jasmine McGehee · Answer

​When an agent recommends a Medicare Advantage plan over a Medicare Supplement (Medigap) plan, they should always be able to give you a clear, personalized reason why.

​For instance, if I believe a Medicare Advantage plan is the right fit for your situation, I will tell you exactly why based on our conversation. I might say something like:

​"Based on what you shared, a Medicare Advantage plan fits your needs best because you mentioned wanting to keep your fixed monthly expenses low, as these plans often have low or $0 premiums. You also noted that built-in dental, vision, and hearing coverage is a priority, which are benefits that standard Medicare Supplements do not include. Finally, you preferred the simplicity of using a single card for your care rather than managing separate medical, drug, and ancillary plans."

​If an agent only offers vague justifications like "this is a very popular plan" or "most people choose this option," they are not tailoring their advice to you. If that happens, it might be time to reevaluate who you are working with.

Steven Graves · Answer

That’s an important question! While it’s true some agents may seem to emphasize Medicare Advantage plans, it’s essential to understand that a good agent’s goal is to recommend coverage that fits your unique needs both today and, in the future, —not to push one type of plan over another.

Why Some Agents Focus on Medicare Advantage:
Medicare Advantage plans often have lower or $0 premiums and extra benefits like dental, vision, and fitness programs, which can be attractive.

They may earn different commissions based on the plan, but ethical agents prioritize your best interest.

What a Trustworthy Agent Will Do:
Assess your health, budget, lifestyle, and future plans carefully

Recommend either Medicare Advantage, Medigap, or Original Medicare with Part D—whichever offers the best overall value and coverage for you

Explain the pros and cons of each option clearly so you can make an informed choice

Bottom line:
Don’t be skeptical of all agents but do choose one who listens and focuses on your personal needs—not just what’s easiest to sell.

If you want, I can help you review options objectively and find the right plan for you. Would you like to discuss?           
Contact us.

Jose Ramos · Answer

Some agents push Medicare Advantage because they often pay higher and ongoing commissions than Medigap. That doesn’t mean MA plans are bad, but you should be skeptical if an agent doesn’t clearly explain network limits, prior authorizations, and out-of-pocket risks, or doesn’t compare them fairly to Medigap.

Answered by Jose Ramos on January 19, 2026

Agent Licensed in WA, AZ, CA, ID, OR & TX

Answered by Jose Ramos Medicare Insurance Agent

Michael Roberts · Answer

If an agent is pushing a particular type of plan such as a Medicare Advantage plan WITHOUT first conducting a personal health & wealth assessment with you, then yes, you should be skeptical!  

If a personal assessment is conducted with an individual there are certainly many cases where Medicare Advantage plans make sense for an individual to consider.  People who are healthy but financially challenged with a low fixed income, for example, may benefit from a $0 premium Medicare Advantage plan as they'll likely never reach the Maximum Out-of-Pocket (MOOP) spending amount and can avoid the monthly premiums associated with standalone Medigap and Part D plans.

These aren't the only cases where these plans make sense.  If someone is pushing you, push back and ask for a complete review before you select a plan.

Jeffrey Sodikoff · Answer

Unfortunatly, there will always be agents who " push " plans that pay higher commissions. Medicare Advantage plans pay much higher commissions than Supplements. In the 30 years I have been practicing, my clients are mostly on Medicare Supplements. They are the most flexible plans in the country. You can go to any doctor, specialist, hospital, rehab facility , etc, anywhere in the country that accepts Medicare. No Referrals, No Networks, much quicker authorizations for medical procedures.

Answered by Jeffrey Sodikoff on October 15, 2025

Agent Licensed in FL

Answered by Jeffrey Sodikoff Medicare Insurance Agent

Brent Mowery · Answer

Great question! Here are a few reasons an agent may "push" MA plans over Medigap plans:

1. The agent you are communicating with is a "Captive" agent. This simply means that this agent is contractually bound to only offer products from from one insurance company. In my 25 years of experience, no captive agent is able to offer all the products necessary to give you an excellent value for each product. Brokers can represent any company they choose, thus, they are able to "shop the market" for their clients.

2. Medicare Advantage Plans (Medicare Part C) will pay agents a higher commission compared to Medigap plans. If an agent is motivated by commission only, rather than their client's needs, they may "push" Advantage Plans over Medigap plans. It is your benefit to consult with a licensed broker to learn about all of your insurance options. 

I would love to answer any questions about your insurance options. Thanks!

Jim Carroll · Answer

When I first got started in the Medicare world, I was a captive agent. In other words, I worked for a large national agency that only sold Medicare Advantage Prescription Drug Plan (MAPD). Back then, I thought MAPDs were the best thing since sliced bread because the plans typically had a $0 monthly premium.

As an independent broker I have the ability to better serve my clients with Medigap (a.k.a. Medicare Supplement Plans).

Doing the proper Health Needs Assessment shows me which plan is best for my client. If they have any health issues or simply enjoy traveling out of state, I always recommend a Medicare Supplement. That said, if they still insist on a MA or MAPD because of the $0 monthly premium, I strongly advise them to protect themselves from the unexpected expenses associated with high deductibles and out-of-pocket maximums by adding either a Hospital Indemnity plan or Out-of-Pocket protector plan.

Meghan Blankenship · Answer

Should you be Skeptical?

Yes, but not cynical. Agents may genuinely believe MA plans are a good fit, but financial incentives and company restrictions can blas their recommendations. 

Best practice: Always ask whether the agent is independent (a broker) or captive. Independent brokers can show you both Medigap and MA options

Do your own comparison: Look at premiums, copays, provider access, and long-term costs.  Medigap often provides more predictable expenses, while MA can be cheaper upfront but riskier if you need frequent care.

Lauryn Ivey · Answer

A good agent should explain your options. They should explain what you get if you were to choose Medicare only. They should explain a Medigap/Supplement Plan as well as which plans are available in your coverage area. Then they should explain how Medicare Advantage Plans work. Then they should let you ask questions and they should answer them without leading you one way or the other. I go as far as explaining the pros and cons for each so that my customers have a full understanding; because it’s your healthcare insurance, not mine. I would be concerned if I felt like I was being pushed or pulled towards one or the other. I think you need to consider the costs, your budget, and your current health to determine what’s best for you.

Answered by Lauryn Ivey on June 25, 2025

Broker Licensed in AL

Answered by Lauryn Ivey Medicare Insurance Agent

Peter Herlevi · Answer

I can't speak for any agent but myself.

My approach is to educate the people in front of me about original Medicare, along with all of the policy types available to them where they live. This could include Medicare Advantage and other network-based plans like Medicare Cost plans, as well as Medigap and stand-alone prescription drug plans.

I believe I am doing a disservice to the people I am working with if I do not present all of the policy types available, along with the potential pros and cons of those options, in the most fact-based way that I can.

Medicare beneficiaries should certainly be prepared to ask questions and otherwise be actively engaged in discussion with an agent during this process to be sure they are satisfied they've got a sufficient understanding of their options to make the best decision for them.

Diana Garner · Answer

Yes, you should be skeptical. Some insurance agents may push Medicare Advantage plans over Medigap due to higher commissions, creating a potential conflict of interest. While Advantage plans can offer extra benefits, it's crucial to ensure the plan aligns with your individual needs and that you understand all the potential costs and limitations. 

Decisions regarding someone's health coverage should never be based on which plan is going to pay the agent the most. It should be based on what is best for the client.

Bill Horton · Answer

In all honesty, yes, you should be skeptical. Both Medicare Advantage and Medigap plans have their own pros and cons. The Advantage plans typically pay a higher commission to the agent which is the answer to your question. Not everyone is in this business for the right reasons.

A good agent/broker will explain, in detail, how each type of plan works and let you decide which way you want to go. Feeling pushed should always be a red flag.

Lynn C Shurtleff · Answer

Yes you should be skeptical. Agents are paid much more for Medicare Advantage plans and most supplements stop paying commissions for Medicare Supplements after year 6, or they are drastically cut to a minute percentage. Steer clear of an agent that pushes anything. Find an agent that will do what's best for you and not what will pay them the most. They are out there but not plentiful.

Answered by Lynn C Shurtleff on November 14, 2025

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

Answered by Lynn C Shurtleff Medicare Insurance Agent

Rodney Powell · Answer

Yes — be mildly skeptical, not paranoid.

Some agents push Medicare Advantage over Medigap mainly because of how we’re paid, not because Advantage is always the better option. In many cases, we earn several times more by enrolling someone in an Advantage plan than in a Medigap policy.

That doesn’t mean agents are dishonest, but it does create a strong incentive.

Bottom line — if an agent heavily promotes Advantage while brushing off Medigap, follow the money and ask questions.

These choices have long-term consequences, so you deserve clear, balanced information to make an informed decision.

Steven Bleicher · Answer

There are “captive agents” who work exclusively for only one insurance company. Therefore, they push the Advantage plan since it is the only one for that agent to earn a commission! Thus, what I have said before many times in this column, it is essential to be interviewed by 2-3 different agents, preferably an independent agent who may also be known as “a broker” who is affiliated with a variety of different firms and can tailor his advice to specifically YOU! Don't be afraid to ask the question as to whether she/he is a broker and have the agent name a minimum of five different national insurance firms for whom an application can be written! Remember: there is no “cookie-cutter” plan recommendation for everyone!

Answered by Steven Bleicher on April 27, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Andre Cabral · Answer

Better be safe than sorry. Better to be educated than skeptical.  For many reasons. 
Medigap (Medicare Supplement) has a monthly premium between $100 and $200, on average, and increases every year. If you let it lapse for missing payments, you will go through the underwriting process, should you want to have that coverage back, which frequently leads to higher premiums.   
Medicare Advantage (MA) can be of $0 monthly premium with additional benefits that Medigap plans don't have, like vision, dental, hearing, gym clubs, and others.
A licensed agent can provide you with a thorough education and help you make a decision as to what plan will meet your needs and your budget, to avoid regrets. An ethical agent will want to keep you in his book for years, instead of seeking a higher commission.

Mark Bilgere · Answer

If an agent is captive to a specific carrier, all they can sell is the carrier's advantage plan. If you are working with a broker, you should not feel pushed into a plan. The broker should explain both types of plans, advantage and supplements, and help you decide which fits your situation best. If you are being pushed and the agent shows little interest in your needs it is because HMO advantage plans pay a higher commission than supplement.

Answered by Mark Bilgere on December 1, 2025

Broker Licensed in TX, AR, IN & LA, MN, NE & OK

Answered by Mark Bilgere Medicare Insurance Agent

John Becker · Answer

Yes.. absolutely! Agents often push Medicare Advantage (MA) plans because they typically earn higher commissions and bonuses for these sales compared to Medigap policies. This financial incentive can create a conflict of interest, meaning you should be skeptical and carefully evaluate if the recommended plan truly fits your healthcare needs. Make sure the advisor you are working with spends the time to EDUCATE you on the differences of MA and Medi-gap plans.

Answered by John Becker on December 3, 2025

Agent Licensed in WI & MN

Answered by John Becker Medicare Insurance Agent

Armand Smith · Answer

As an agent I discuss both options , review what is going on with the insured and they can decide which option is best for them. Medicare Supplements give you freedom to go to any medical provider that takes medicare as well as many that do not take Medicare Advantage such as Mayo Clinic in Arizona will now take a supplement but not Medicare Advantage.

Medicare Advantage pays a larger commission to the agent which is one reason you see so many call centers calling people at home to discuss it as well as ads on TV. Remember if you did not give an agent or call center permission to contact you then they are in violation.

Jason Meadows · Answer

It’s a fair question — and it’s smart to think about 👍

Some agents may lean toward Medicare Advantage because those plans can be more widely available, have lower upfront costs, and in some cases may offer higher commissions. However, that doesn’t automatically make them a bad option — they can be a great fit for the right person.

The key is whether the recommendation is based on your needs. Medicare Advantage and Medigap work very differently, so you should feel comfortable that the pros and cons of both are clearly explained. If you ever feel like only one option is being pushed without a full comparison, it’s reasonable to ask more questions or get a second opinion.

William Lawler · Answer

Why do some agents push Medicare Advantage plans over Medigap plans, and should you be skeptical? Well, Advantage plans do pay a better commission, I think, than Medicare supplements. But that's okay. Medicare Advantage plans are very good. Number one, they have low or no monthly premium. And they also have prescription drug coverage. They have vision, dental, and hearing.

If you go over to a Medigap plan, Medigap plans have a monthly premium. They do not have prescription drug coverage or vision, dental, or hearing. Now, prescription drug coverage can be purchased separately with a Medigap plan, as well as vision, dental, and hearing. Now, with a Medicare Advantage plan, you get all this. You get prescription drug coverage, vision, dental, and hearing at a low monthly premium or no premium at all. So this is why Medicare agents tend to lean towards a Medicare Advantage plan.

Christopher Boyd · Answer

Yes, be a skeptical and ensure you review Medicare.Gov with the agent. Medicare.Gov will show all medical providers, prescriptions, network costs, and pharmacies. NEVER sign up for a plan until you review Medicare.Gov. While Medicare Supplements cover most Medicare approved care, they require medical approval outside of a limited enrollment period. Therefore, some brokers will simply switch folks from one Advantage Plan to another.

Answered by Christopher Boyd on November 8, 2025

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

Answered by Christopher Boyd Medicare Insurance Agent

Steve and Sue Brauer · Answer

Hi, thanks for watching. So the question is, why do some insurance agents push Medicare Advantage plans over Medicare GAP, and should you be skeptical? Well, first of all, shame on them for doing that. Secondly, yes, the Medicare Advantage commissions are typically going to be larger than if they sell you a Medicare supplement. But the bottom line to all this is you have to do what's best for the client. If somebody's in a rural area, a supplement is going to be your best bet. It doesn't matter what the commission is. Or if somebody travels around the United States a lot, or if they want to just access any doctor that accepts Medicare, that's going to be a supplement. You want to go on a supplement plan or a Medicare GAP plan. And shame on them if they're trying to push them. They shouldn't be doing that. But there are a lot of shady people out there.

Dean Chiapetto · Answer

You should be skeptical of anyone pushing anything. Medicare Advantage plans don't take as much time educating the client. You should see a licensed local broker who represents both Advantage and Supplements. A good agent will explain the differences based on what is in the Medicare and you book. It is up to the client how they want to spend their money. There is nothing wrong with either, you just need to know the differences.

Answered by Dean Chiapetto on November 1, 2025

Broker Licensed in VA, MD, NC, TN & WV

Answered by Dean Chiapetto Medicare Insurance Agent

Don Hansford · Answer

A professional agent should never “push” one over the other. So yes, you should be suspicious. 
Both are very good products that do exactly what they are meant to do. The job of the agent should always be to find which one best fits your situation. After you have all of the facts, it should then be your decision as to which one fits the best.

Dee Ethridge · Answer

An agent should not "push" any plan. What type of Medicare plan is good for you will depend on your health, finances, if you travel a lot, your doctors and a few other things. There are different plans, both Advantage and Medigap, that fit different needs for different people. Maybe your agent feels that a Medicare Advantage plan would fit you the best.

Answered by Dee Ethridge on October 15, 2025

Agent Licensed in FL, AL, GA, ND & SC

Answered by Dee Ethridge Medicare Insurance Agent

Marcie Barnes · Answer

The agent's job is to do what's best for each client.  Medigap plans are not always the right fit, the same goes for Medicare Advantage.

It's what's best for you.

Medigap plans are best started when you are new to Medicare.  Since it's private coverage, one might not qualify later in life due to health issues.

Kathleen Gonzales-Byrd · Answer

All Medicare insurance agents who conduct an enrollment have to follow CMS Guidelines (Center for Medicare and Medicaid). A agent should provide complete information regarding a Medicare Advantage plan so the potential enrollee is fully informed and should not favor one plan over another but should understand the client's needs so they can assist the client in making a decision that best aligns with their needs. The potential client needs to assess if this process is occurring and should not feel "pushed" into any plan. An agent should explain the differences between a Medicare Advantage plan versus a Supplemental plan (also known as Medigap) not make sure the potential enrollee understands the differences so they can decide what plan best fits their medical needs and budget needs.

Answered by Kathleen Gonzales-Byrd on March 2, 2026

Agent Licensed in PA, KS, MD, NJ & NY

Answered by Kathleen Gonzales-Byrd Medicare Insurance Agent

Nikki Rowland · Answer

To start, not all agents are independent brokers.  If an agent can’t show you options from multiple insurers, they may not be giving you the full picture.  Independent brokers can compare many plans; captive agents cannot.

I fully educate my clients on ALL of their options. I take more information such as income, lifestyle and health for me to be able to give a good recommendation. However at the end of the day, you should be making the best choice for you.

Steven DiPaolo · Answer

There is no doubt, MA plans are often pushed as they will provide the highest commissions for those enrolling into Medicare for the first time. 

This is a fools errand, and if they are just neglecting the overall needs it will likely backfire, but it is a fact of the industry. 

On the other hand, you may also ask, why don't agent/brokers inform consumers about High Deductible G supplements? Simply, money or commission. 

So there are bad actors in all arenas. 

Shop a few brokers and use your better judgments to see who is really taking your needs into account and solving it as best as possible.

Barbara Barnes, CMIP® · Answer

You should be skeptical of an agent who ‘pushes’ anything. Your agent‘s job is to educate you so that you can make the right choice for yourself. Medicare Advantage plans tend to pay higher commissions, so agents are more likely to ‘push’ those plans. But this isn’t about what’s best for the agent, it’s about what’s best for you. Find an agent who understands that and provides unbiased advice.

Answered by Barbara Barnes, CMIP® on June 8, 2025

Agent Licensed in PA

Answered by Barbara Barnes, CMIP® Medicare Insurance Agent

Steve Houchens · Answer

I would be skeptical if any agent pushed one plan over another if that be an Advantage plan or a Medicare Supplement. Many agents may not be certified to sell advantage plans as you need specific training to sell them so they might push what they can sell which limits your options. It’s best to talk with an agent that can sell both types of plans as well as represents multiple carries to be able to actually choose the plan that fits your needs the best. There is no one size fits all. Check all your options.

Answered by Steve Houchens on July 12, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Jessica Breland · Answer

You should always be skeptical of an agent that is trying to push anything on you. My guess would be because the commission rates are higher on an Advantage plan that on a Medigap. Find an agent that will go over all of your options with you-- in an un-biased way. My main goal during initial consultations is education/information. I want to explain all of your options well enough for you to be able to make a good decision on your own. In my opinion, when someone is trying to push something on you, they have their best interest in mind, not yours.
Remember-- If it sounds too good to be true, it is!

Andrew Kelly · Answer

I would be skeptical of any plan or approach being "pushed" over another. A quality agent will transparently explain all options to you, as the client, answer questions, and then assist with sign up for either the Medigap plan or Medicare Advantage plan.

It may be the case that the agent really believes that the Medicare Advantage plan is superior. It also might be the case that the agent is doing that because their commission on Medicare Advantage plans is greater that a Medigap supplement.

Voss Speros · Answer

Voss Speros, the Greek god of Medicare, talking about Medicare today. So, the question is, why do some agents push Medicare Advantage over Medigap? I'd be skeptical. Yeah, I mean, you can be skeptical about anything, honestly. Why do agents push Medicare Advantage plans?

So here's the thing. There are two types of agents for Medicare. There's the full-fledged Medicare insurance brokers that are contracted with CMS and all the carriers to offer benefit plans and to help with supplemental plans and prescription drug plans. And then there are the Medigap brokers that don't have all the compilers that go with it. They only sell Medicare Medigap, Medicare supplement plans. That's it. They'll knock on your door, bring it down, and try to sell it. This is the best thing since sliced bread.

The other brokers, like me and my team, we can do both. It's not like I'm pushing invented plans. It's just we can offer Advantage plans. So if you ever run into somebody who's pushing the supplemental plans, ask them if they can offer benefit plans. If they can't, then I would find somebody new and just look at both sides.

We're gonna break down your doctors and drugs. This is what Advantage plans offer. Supplemental plans are great because you just pay monthly for it, and you get everything covered. But you pay your monthly $170 to $200, whatever it is, plus your part D plan. You pay 30 bucks a month for that, and you're paying your part B. Everyone pays for part B.

And then if you want dental, vision, hearing, you gotta pay a little bit of money for that. And for some other stuff, you pay some stuff for that. So it's got all the cards set up. Medicare Medigap, all the cards. Medicare Advantage, all-inclusive, A, B, C, and all wrapped in one, no premium. And then you know, co-payments for service.

How often do you go to the doctor? I don't know how often you're gonna use a plan. What do you need? What do you need to do? Let's break it down. So they're not pushing your dentist plans. They're just offering it and offering supplemental plans. But a lot of people can't afford the supplemental. Once you break it down, you're living on a fixed budget. You're retired now.

So I'd always be skeptical of any broker you talk to. But make sure they can do both, not one or the other. So I hope that helps. Give us a call if you have any questions with Paul. I'm happy to help out and answer questions. Have a good day!

John Motsinger · Answer

Unfortunately, when commission is involved, some agents like to push the route that is easier and unfortunately sometimes people who need Medicare a supplement get sold a Medicare advantage plan. However let me note that I have multi millionaire clients on medicare advantage because they just didn't want to pay the medicare supplement premium but most people who have a large estate to protect choose the medicare supplement route. I just make sure all my clients know that Medicare supplement premiums go up every year and there's a good chance their medicare supplement premiums will most likely double in 10 years so I make sure they understand this before I enroll them into medicare supplements.

Answered by John Motsinger on August 4, 2025

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

Answered by John Motsinger Medicare Insurance Agent

Dominic Javier · Answer

Yes, you should be skeptical about it. Since Medigap supplements Original Medicare (Parts A and B), its premium is way lower than Medicare Advantage. It is lower because it simply lays on top of your Original Medicare. Therefore, agents, specially the captured ones, will push Medicare Advantage since it has higher premiums, thus higher commissions.

Answered by Dominic Javier on March 2, 2026

Broker Licensed in TX

Answered by Dominic Javier Medicare Insurance Agent

Tim J Harris · Answer

When you are first eligible for Medicare, there is a short guaranteed enrollment window for Medicare Supplement (Medigap) Plans. If you miss that opportunity, you may be subject to medical underwriting if you wish to enroll in a Medigap Plan later. So it is best to be fully informed of all your options (both Medigap and Advantage options) in order for you to make the best decision for your medical care.

Answered by Tim J Harris on May 19, 2026

Agent Licensed in TX

Answered by Tim J Harris Medicare Insurance Agent

Joseph Bachmeier · Answer

If you have an agent who pushes any certain plan you should be skeptical, and the said agent is probably not looking out for your best interest. No one plan is perfect for everyone. You need to know the differences between Original Medicare and Medicare Advantage plans and how they could affect your healthcare.

Answered by Joseph Bachmeier on March 25, 2025

Agent Licensed in PA, AZ, DE & 5 other states

Answered by Joseph Bachmeier Medicare Insurance Agent

Wayne Hartzler · Answer

Truth be told, the agent gets paid more for the Advantage enrollment than the supplement enrollment. The extra benefits such as dental and vision, and lower monthly premiums make the Advantage plans appealing. Secondly, they don't ask enough questions, such as travel plans, health needs or health desires.

Answered by Wayne Hartzler on September 8, 2025

Broker Licensed in OK

Answered by Wayne Hartzler Medicare Insurance Agent

Don Golding · Answer

I would be skeptical of any agent who "pushes" clients into either category - Advantage or Supplemental plans. One type does not fit all health and financial situations. By conducting a thorough needs analysis, an agent can determine the type of plan to recommend to a client. The client should always have the final say and should never feel pressured into a decision.

Answered by Don Golding on June 24, 2025

Broker Licensed in TX, AL, AR & 5 other states

Answered by Don Golding Medicare Insurance Agent

John Messler · Answer

When sitting with an agent who were explaining the difference between a Medicare advantage plan and a Medigap plan, the two questions that are asked are what are your active healthcare needs? And how much can you afford to pay for your Medicare plan? I consider a Medigap plan the best healthcare coverage available. The managed care plans are good coverage, but they come with strings attached. These strings are out of pockets are higher and more often as well and case management is part of the decision-making process for care. So if a few hundred dollars a month is too much for your Medicare then the managed care plans might be a better choice.

Answered by John Messler on September 30, 2025

Agent Licensed in NH, ME, NC, OH, PA & TX

Answered by John Messler Medicare Insurance Agent

Aisha Saleem · Answer

Some agents push Medicare Advantage plans because they feel it's what's best for the client. Medicare Advantage plans can offer long-term care, private nursing, dental care, hearing aids, vision care, and eyeglasses/contacts. These services can improve the quality of life and healthcare for their clients. However, Medigap provides more medical coverage outside the U.S. than Original Medicare and Medicare Advantage usually do.

Answered by Aisha Saleem on June 1, 2025

Agent Licensed in MD & FL

Answered by Aisha Saleem Medicare Insurance Agent

Tetonya Lewis Charles · Answer

No skepticism necessary. 

Most seniors are on a fixed/limited income, & medicare advantage is much more economical up front to obtain, for their pockets. Some have $0 premiums, small specialist copays. While medicare supplements can have anywhere from high as $150 to 300 and more a month.  
Knowing this, agents tend to lean towards M.A. plans for our seniors, but we do help with supplements also, when asked.

Angela Brewer May · Answer

There are some agents that see Medicare Advantage plans as an easy sale & they receive more commission. However, most good agents will go through a series of questions to find out what's important to you and are supposed to check your medications and doctors to make sure they work with the plan. I've been in this business 15 yrs. It's of utmost importance to me to make sure I put you in the correct plan. I want your insurance coverage to suit your needs.

Answered by Angela Brewer May on July 15, 2025

Broker Licensed in VA, FL, MD & 5 other states

Answered by Angela Brewer May Medicare Insurance Agent

Vernon Pate · Answer

Yes, you should be skeptical. Licensed and appointed agents should offer options that best meet your health and financial needs. A Medicare Advantage Plan may be a good fit for one person, whereas a Medicare Supplement Plan might be a better fit for another. Find a LOCAL, licensed, and appointed agent who will listen to your needs and help you find a plan that fits your healthcare needs and lifestyle.

Answered by Vernon Pate on April 14, 2025

Broker Licensed in AR, MO & OK

Answered by Vernon Pate Medicare Insurance Agent

Kip Nussbaum · Answer

A Medicare agent should not “push” one product over another. It is best to explain how the different products work and let the beneficiary decide which best suits their budget and lifestyle.

With that being said, if an agent “pushes” an advantage plan over a Medigap plan, it COULD be for selfish reasons. The advantage plan would have higher compensation for the agent.

Andrew Morrow · Answer

I would be suspicious of any agent who pushes one plan over another. A good agent sits down with the individual and helps them determine what is best for them. In some situations, a medicare supplement is the best choice, and in others .The advantage plan would be the preferred option. It all depends upon the individual

DeeDee Whitlock · Answer

Medicare Advantage plans have a great commissions compared to Medicare Supplemental plans  so most agents look at what financially better for them instead of what is Best for the client! If you EVER feel pressured to BUY any plan seek a second opinion. Your Dr's office can tell you which plans they have better care from and can refer you to an honest agent most of the time.

Gary Henderson · Answer

because they are licensed for them and some companies pay higher commissions than others. 
Typically agents are licensed for a handful of companies and will promote just those companies.
I always recommend medigap plans if you can afford it. 100% coverage. whereas Advantage plans have a lot of out of pocket costs and can bankrupt you if you have an elongated illness.

Casey Graves · Answer

Medicare Advantage plans often pay higher commissions to agents than Medigap policies, however, sometimes Medicare Advantage plans are truly the better option depending on your health needs. I wouldn't be skeptical as long as the agent is offering both Medicare Advantage and Medigap's and has educated you on the differences!

Mindy Berry · Answer

No agent should be "pushing" one plan over the other. An agents responsibility is to explain both plans with their advantages and disadvantages to the consumer and from there an individual should take this information and make their decision as to which option fits their health care needs. When a client is looking for the best value that includes Dental, Vision, etc. quite often it  is the advantage plan that hits those benefits and makes the best option for great health care.

Tyler Haskell · Answer

You should be skeptical if anybody is “pushing” Medicare advantage plans.  If you feel you’re being pushed into anything, find a different broker that will teach you about the differences of both advantage plans and medigap plans and then you can make your decision.

Shawn Ray · Answer

Short answer not automatically.  Both plans have their tradeoffs.  What matters is why they're recommending an Advantage plan.  I would be more skeptical if the agent isn't willing to explain the difference between Advantage and Medigap plans, because both types of plans have their advantages and disadvantages.

Yadira Son · Answer

Some agents talk more about Medicare Advantage because it’s more familiar or easier to explain, but that doesn’t mean it’s always the best fit for everyone. You don’t need to be skeptical — just make sure your agent also explains Medigap and helps you compare both, so you can choose what works best for you.

Lowana Richardson · Answer

No agent should push any MA plan over Medi-gap.  They are there to educate and inform.  You should be making the decision.  I sign more people up with Medigap because the majority donot want to put out a lot of money initially and they would rather take a chance.  Then there are those that would rather pay just a larger monthly cost knowing that they will not get any huge surprise bill later no matter what happens healthwise.

Paul Mercier · Answer

No one, especially agents should be pushing anything. In some cases an Advantage plan is the best plan and in some cases a Medicare Supplement/medigap plan is best. It all depends on your situation. I would skeptical if the agent cannot or will not explain why they are recommending that plan

Tony Capraro III · Answer

Why do some agents push Medicare Advantage plans over Medigap? Should I be skeptical? Here's the way I look at it. I offer both Medicare Advantage and Medigap, or Medicare Supplement policies, here at my State Farm Agency on Kelly Street in Manchester. Most of those agents are pushing Medicare Advantage plans because that's all they sell. They do not offer Medigap or Medicare Supplement plans.

What you need to do, so you're not skeptical, is work with someone like myself who offers both and has no preconceived notions of which one you should purchase or which one I need to sell. We will do it based on your goals and objectives, on what you're looking to do for you and your family. I will give you great information so that you can make great decisions. Again, the Medicare Advantage plans are pushed because that's all they can offer. So do yourself a favor. I'd be glad to help.

James Stang · Answer

If your agent is "pushing" one type of policy over another, find a new agent. Your agent should listen to your individual situation and recommend a few solutions, going over the potential costs of each. I will offer my opinion when asked, but always with reasons.

Michael Yost · Answer

Yes you have to be careful on who you meet with. Agents should be independent and show both options equally. Unfortunately some agents do push advantage plans because they pay more commissions. If you meet with an agent that does push one plan over another, you may want to look for someone else to help you with your options.

Lea Vollmer · Answer

That's all they know how to sell. If you are in bad health and over 65, your rates may be too high to get into a supplement, or you may have a condition that is a knockout for a Supplement. The best time to get into a supplement if you are in poor health is at 65; everyone comes in at the same rate, no matter your health condition.

David Fiveash · Answer

Medicare pay almost 2 times what a supplement will pay especially to everyone turning 65.
Even the renewal payments to agent are larger than supplements in comparison.
Since there are no health underwriting guideline for MA plans everyone can be insured. 
Most MA plans have $0 plan premiums and $0 copays to doctors and certain medical services it easier to get interest in wanting to know more about the plan and take a chance enrolling into a plan. Everyone situation is different. What is good one may not be good for another

Stephanie Yarberough · Answer

If you are working with a qualified Medicare Insurance agent, they should be educating you on the difference between a Medicare Supplement Plan and a Medicare Advantage Plan and making recommendations based on your specifics. There should not be an agenda or "pushing" one plan type over another. Ultimately, it is the member's decision.

Jim Willis · Answer

Medigap plans working in conjunction with Medicare and pay the balance of anything. Medicare pays part of. There are still co-pays and deductibles with Medicare that you may end up owing and there is no maximum out-of-pocket.

The cost of a Medigap plan with a standalone drug plan and a dental and vision insurance policy may well run an excess of $5000 per year where there would be no cost for the Medicare advantage plan. The Medicare advantage plan has to cover everything that basic Medicare covers And may include prescriptions, eyeglasses Hearing Aids and dental.

William Scott · Answer

Mainly cost. In the long run, Medigap plans are great for those that are on the go frequently and can afford and keep up with a separate prescription drug plan, dental and vision plan year after year and the potential increase in cost. 

However, to be competative, most Medicare Advantage plans offer -$0 premiums monthly, buit-in dental & vision plans and prescription drug plans. A seasoned Broker can provide a low cost Indemnity Plan that can cover all future copays and Out Of Pocket expenses and more. 

In the long run, the best plan is the one that's right for you! Give me a call.

Tami Baker · Answer

The reason we suggest one kind of Plan over another is because of all of the evaluation questions we ask you. Sometimes Medicare Supplements are not affordable. Sometimes they are the least expensive  option. Sometimes Medicare Advantage Plans are a better option based on your medical needs & costs of prescriptions or ancillary benefits.
Agents will always suggest what Plan we feel is your best option. Of course, you are always free to choose something different.

Gary Church · Answer

The commissions are higher on a Medicare advantage plan. For some agents, it’s easier to sell a Medicare advantage plan in most cases. The client getting that Medicare Advantage plan for the most part at a zero premium. It’s important that the client understand all their options so they can choose the right health plan for them.

Lilyana Uzdenova-Gomez · Answer

Every case is unique. Not everyone is comfortable with committing to a monthly premium for their healthcare plan and potentially another premium for the part D plan  in the sake of forgoing referrals, authorizations and networks. Many people rely on their generous MAPD drug and medical benefits while enjoying having access to the providers who are important to them within the covered networks. 
   You should be skeptical if you are dealing with an unethical agent who doesn’t disclose the pros and cons of each system, so you could make an informed decision.

Kristen Skinner · Answer

In a way yes. It depends on what you the client wants and needs. Not the agent. Make sure they take some time to look up doctors, hospitals , etc. Advantage plans are not bad plans, it depends on the differences and what you need.

Mike Wetsel · Answer

Medicare Advantage plans pay higher commissions and are an easier enrollment process for agents. 
You should be skeptical if your agent is not taking your needs and expectations into consideration in the Medicare selection review time.

Leslie Kaz · Answer

Yes — you should be alert, but not automatically suspicious. The push toward Medicare Advantage (MA) over Medigap often comes down to money, market rules, and client fit — and sometimes those factors benefit the agent more than the client.  Agents should be assessing your specific needs prior to making any sort of recommendation.

Kim Humphries · Answer

No one should be "pushing" anything on you.  Agents are supposed to educate and help you choose based on your unique needs.  Medicare plans are unique to each person, not "one size fits all."  If you are talking about the call centers that call you on the phone or the Television ads, please do not respond to those!   Agents are not allowed to call you and try to sell you an advantage plan.   Kim H

Fran Lovelace · Answer

Yes, a seasoned agent should objectively present how Medicare advantage and Medicare Supplement work without trying to steer you either way.  After seeing how they both work, you will be able to determine which is better for you.

Ricardo Sanches · Answer

Agents should not be pushing anyone toward one plan or another. An ethical agent will present you with options and you determine which one will be best for you. If you need help with this decision, I always encourage my prospective clients to bring with them a family member they trust to help them make that decision. There are many reasons why an agent would "push" for a Medicare Advantage plan, but in the end, it up to the beneficiary to decide between a Medi-gap or Medicare Advantage plan.

David Treadway · Answer

There should be education on both styles of plans so that you can make an informed decision.  If you are feeling pushed, I would be skeptical too. You may want to interview another broker and ask for a referral from friends or family. Good luck.

Kim Fisher · Answer

I am an agent that has been in this Medicare business for over 40 years. I do have more people in advantage plans than I do supplement but that is their choice. Some people want 0 premiums and need dental and vision but just remember if you want a supplement this is a time you have guaranteed issue especially if you have bad health!

Thomas Ashton · Answer

Medicare Advantage plans pay higher commissions and high renewals than Medigap plans. An agent should give you all the details on all the plans and let you, the consumer decide which option is best.

Todd Bostic · Answer

Some independent agents get paid more for Medicare Advantage plans than they do Medicare Supplement plans so they prefer getting paid instead of helping people. I on the other hand, want to help people get what they need, not just what is going to pay me the most money.

Jonathan Potter · Answer

If someone is pushing just one type of product, then I would be a little bit skeptical. I try to always show people both options that they have and the pros and cons of both. Then they can decide for themselves what is best for their situation.

Vincent Murray · Answer

No agent should push anything. It is your choice.  I would recommend a supplement or a Medicare Advantage plan.  If you do an advantage plan we never recommend one without umbrella coverage for Cancer, Heart Attack, or Stroke.  We have insurance to protect us, both a supplement and a MAPD, with an umbrella could protect you.  Again... your choice.

Barbara Patterson, CFP · Answer

It’s often because Advantage plans are less expensive upfront because there are no monthly premiums.  You do pay copays as you have claims.

Christopher Orr · Answer

They do pay more commission, but they are also more stable in price for yearly renewals and offer more value covering drugs, dental, vision, hearing, and workout membership in one plan versus supplements... too

Alexis Pepple · Answer

No agent should push you into one type of plan or the other; an agent's role is to be agnostic - we are here to lay out the options - ALL THE OPTIONS - and help you navigate the best choice for you.  If you feel that you are not being heard, and you are being pushed into a type of insurance that is not the agent you want to work with.  Reach out to Pepple Insurance.  We offer education and peace of mind; we never want a client to feel SOLD.

Donnie Vermillion · Answer

I believe brokers and agents should educate their clients on the pro's and con's of staying on original Medicare, Medicare Advantage plans and Medigap plans. 

You should base your choice off of your individual health care needs and financial situation.

Mitchell Jerome · Answer

I'd be skeptical if that was the case. The verdict is in, and the Medicare population is basically split 50-50 on these plans. They both work... they're both good options... they are not perfect...I tell my clients, if it's a toss-up, to go with the one that gives them "peace of mind."

Charles Fletcher · Answer

I think you should be skeptical.  Pushing one plan over another is not a great way to help your clients find the plan they want and need.  These discussions should focus on the priorities of the customer and the agent should help bring you in for a soft landing upon the plan that really is best for you.  If an agent is pushy I would consider that poor form.

Frank Carta · Answer

I started with a Medigap plan G when I turned 65. By the time I was 68, the cost of the plan
was over $215 a month and the part D prescription drug plan was over $52 a month. I switched to a Medicare Advantage plan and it saved me $thousands. That is my personal experience.

Marva Becker · Answer

A good agent will provide a well-rounded explanation of both Medicare Advantage and Medigap plans. There are advantages and disadvantages to both types, understanding your options is crucial in making an informed decision.

Robert Nunn · Answer

Yes be skeptical , if they won’t spend the time to find out what your needs are and give a full explanation of both Mapd and Med sups do not give them the business . They are interested in getting a paycheck and not taking care of clients .

Ross Landon · Answer

It is the cost.  Advantage plans are often 0 premium plans or low premiums like$35/mo for each person. They are very attractive if you are quite healthy.    Medsupp plans typically would cost $150/ mo for each person so only more affluent seniors can afford the Medsupp plans Plus they would also have the Rx plan monthly cost on top of that!

Lakisha Bryant · Answer

Medicare advantage plans are cost effective.  You have all of your benefits in one plan with little or no plan premium. Medigap plans can become expensive over time because of premium, deductibles and yearly rate increases. Dental, vision and prescription coverage are added premiums.

Mark Maliwauki · Answer

No. But a good Medicare agent always goes through the various options and why they are different. That way you are educated on exactly what the differences are why a Supplement makes more sense for you vs a Medicare Advantage plan or vice versa,

Carol Thompson · Answer

More cost effective when you choose medicare advantage plans and depending on your service area - the plans may offer give backs or aka- part B reductions. Often times Medigaps plans will increase as you age.

Deborah Webster · Answer

What you choose to do for your plan should be 100% your choice. No agents should be steering a beneficiary one way or the other. Insurance is supposed to make you sleep at night. If, for any reason, you don't feel comfortable with Medicare Advantage, then it isn't for you.

Alisa Mathis · Answer

Medigaps may be perfect for some but not all, and vice versa for Medicare Advantage plans. So an agent should be explaining both types of plans and recommending what is best for that particular client’s circumstances. However, it’s always the client’s decision in the end, no matter what was recommended.

Mike Alexander · Answer

A good agent should not push either product. They should do a Needs Analysis to determine the best plan for each client. When agents tend to push one plan over the other, they do not have the best interests of the client. Every person has different needs, and pushing one plan over another for commission 
Another is not keeping the best interests of the client in mind

Vachik Chakhbazian · Answer

Agents are often financially incentivized to enroll beneficiaries in Medicare Advantage due to higher commissions, potentially influencing their recommendations.

Joseph Peck · Answer

To be honest, they get paid more for advantage plans than supplements. Also less follow up needed from them. I make sure the plan the client gets is the best one for THEM.

Travis Harmon · Answer

I don't think we push them any more or less than supplement plans however Medicare Advantage plans tend to fit a lot of needs since they include more benefits. You should always compare your options and go with what feels comfortable.

Michael Pyers · Answer

The main reason is that the Compensation is higher on Medicare Advantage than on Medigap Plans.  That is not a reason that is conducive to proper customer service, but rather greed!

Gabrielle Sones · Answer

No, both options are good for the right person. Your broker should be performing a through Ough needs analysis to determine which route is best for you. A Medicare advantage plan is great but just make sure you also have some ancillary protection to protect you from your bigger copays and max out of pocket.

Jason Marshall · Answer

Mostly due to the additional costs associated with Medigap plans. With most seniors on fixed income, the low cost Advantage plans fit their budgets.

Debbi Wallace · Answer

You should always get the answers to ALL your questions before signing up for either one.  Advantage is an option.  Medigap is a better option, although more expensive premium-wise.

Jonathan Hardy · Answer

Medicare Advantage plans offer more comprehensive coverage. All of your benefits will be in one place making care coordination more efficient.

Kelly Linster · Answer

I feel education is key. I educate on both advantage and supplements. The client than can pick what’s best for their situation.

Kevin Chaikin · Answer

Because they pay more commission and lifetime commissions.  Plus some companies incentivize MA sales for the agents.

Bud Griffin · Answer

Most captive agents will push the products their company sells and steer you away from any they don't represent. Indipendent agents are usually more un-biased.

Mary Brown · Answer

Some agents may lean toward Medicare Advantage due to incentives or simplicity, so it’s wise to compare it carefully with Medigap to make sure it truly meets your needs.

Michael Ferraro · Answer

If someone is in good health with limited funds, sometimes it makes sense, especially in NY where we have MED_SUP's that are guaranteed issue.  Always boils down to building a relationship with a brother with ethics and morals.

Lowell Ryals · Answer

Yes it is a personal decision for you I sell both some agents only sell for one company or one type of plan.
A lot depends on if you can afford a the premium of a supplement and a separate prescription drug plan.

Niels Heemskerk · Answer

No need to be sceptical, but they probably did a very good needs analysis and found that you need or want really good dental coverage included in the medical plan and very low premiums.