Why do some clients ignore your advice and end up in bad Medicare plans—what makes them resistant?
Answered by 7 licensed agents
Some clients hesitate to follow my advice because of a common misconception that Medicare advisors like me drive up their premiums or costs due to commissions, when in reality, our guidance doesn’t change what you pay—plans and pricing are set by insurers and Medicare, not us. There’s also a false narrative that we can push you into specific plans for higher payouts, but the truth is, we earn the same regardless of the provider or product, so my focus is purely on what fits your needs best. Ignoring tailored advice can lead to picking the wrong plan, missing out on key benefits, and facing unexpected costs that hit both your health and wallet hard.
Answered by Brian Moore on March 27, 2025
Broker Licensed in OH
A lot of people just listen to friends or colleagues instead of getting advice based on their situation. What worked for someone else might not work for them — and they often learn that the hard way.
Answered by Brian Krantz on March 25, 2025
Broker Licensed in NY, AK, AL & 48 other states
Great question.. It happens occasionally.. I represent all the major plans and focus on their doctors and prescriptions not the shiny objects that some plans offer. So I don't run into it very often.. When I do it usually has to do with an added benefit.. Example: I recommend a plan that fully covers all their docs and prescriptions. Say it has a $1500 dental benifits.. They see a plan with a $3000 benifits and they decide to go with that.. However that plan doesn't have the same coverage for doctors rxs. It's not that they got bad plan, they just end up making a decision based on that shiny object that reduced the real important coverages.
Answered by Michael Ryan on April 2, 2025
Broker Licensed in CA, AZ, CO & 7 other states
Sometimes clients may think that my advice is based on a motivation to sell them something. This could not be further from the truth. My goal is to educate and translate Medicare into something that makes sense and help people find the plan that best fits their individual needs. There is no single plan that works for everyone.
Answered by Mitch Anderson on March 25, 2025
Agent Licensed in MN, IA & WI
Sometimes people will listen to friends of theirs not realizing that each person's needs are individual. What may be best for their friend my not necessarily be the best plan for them. It very important to look at all the aspects that can affect their decision.
Answered by Patrick Bullock on April 1, 2025
Broker Licensed in PA, DE, FL, NJ & VA
It does happen where clients will ignore my advice and end up on a bad plan. That is usually due to a plan having a few very attractive features like a high dental/vision benefit that the clients feel overshadows procedures/services that have higher than average costs or substandard RX coverage with high deductibles. I sure don’t steer clients to specific plans but rather teach them about their plan choices and highlight pros and cons.
Answered by Gregg Matheny on March 25, 2025
Agent Licensed in AZ & UT
Normally that just comes from listening to a family member or friend saying they have the best plan. Everyone should have the best plan for them! Everyone is different and needs their insurance to work for them.
Answered by Julie Joyce on March 25, 2025
Agent Licensed in PA, CT, DE & 9 other states
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