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

Answered by 9 licensed agents

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, DE, FL & MD, NC, NJ & SC

Answered by Joseph Bachmeier Medicare Insurance Agent
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.

Answered by Charles Fletcher on April 4, 2025

Agent Licensed in WA, AZ, ID, NV & TN

Answered by Charles Fletcher Medicare Insurance Agent
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.

Answered by Thomas Ashton on April 2, 2025

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

Answered by Thomas Ashton Medicare Insurance Agent
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.

Answered by Michael Yost on April 1, 2025

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

Answered by Michael Yost Medicare Insurance Agent
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!

Answered by Ross Landon on April 16, 2025

Agent Licensed in UT

Answered by Ross Landon Medicare Insurance Agent
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!

Answered by Jessica Breland on April 14, 2025

Broker Licensed in LA

Answered by Jessica Breland Medicare Insurance Agent
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.

Answered by Lowell Ryals on April 7, 2025

Broker Licensed in MO, AR, FL, KS, LA & TX

Answered by Lowell Ryals Medicare Insurance Agent
Because they pay more commission and lifetime commissions. Plus some companies incentivize MA sales for the agents.

Answered by Kevin Chaikin on April 14, 2025

Broker Licensed in VA, AL, AZ & 31 other states

Answered by Kevin Chaikin Medicare Insurance Agent
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

Tags: Medicare Advantage

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