Why not just call the insurance carrier directly?

Question

Nikki Rowland · Accepted Answer

An insurance broker works for you, not the insurance company. We’re here to make sure your plan continues to fit your needs year after year.

When you call the insurance company, you’re often stuck on hold or talking to someone who doesn’t know your full situation. You'll never get the same person twice.

With a broker, you have a go-to person who knows you, your needs, and your plan inside and out. If you ever have a problem—like a billing issue, denied claim, or want to switch plans—we handle it for you.

Also, there is no cost to you for me to service your plan year after year.

Diana Salisbury · Answer

You can. But if you have a personal relationship with your insurance agent or broker, you shouldn't have to call an insurance carrier direct for 98% of most questions. And you don't have to be on hold for lots of wait time.

Answered by Diana Salisbury on May 11, 2025

Broker Licensed in OH, IN & MI

Answered by Diana Salisbury Medicare Insurance Agent

Andrew Zurbuch, MBA · Answer

Yes, you can do that for Medicare Supplement Insurance. However, that is an Internal Agent whom only represents 1 Insurance Company. Called a Captive Agent. That is not the way to go though. Use an Independent Broker. A Broker represents many Insurance Companies, & will give you more choice & can give a Medicare Beneficiary unbiased advice. This could give you lower premiums. Thank you.

Answered by Andrew Zurbuch, MBA on May 12, 2025

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

Answered by Andrew Zurbuch, MBA Medicare Insurance Agent

Bruce Kern · Answer

We always tell our clients to cal us first if they have a problem with there coverage.
Weather or not they are on a Medicare Advantage or Medicare Supplement plan.

Brian Leichner · Answer

There is no difference in cost to you to have an agent assist you or call the insurance company or Medicare directly. The difference is that if you want to talk to the same person again, or you need ongoing assistance, you may not want to start from ground zero every time you call someone. It costs you no more to have a licensed and Medicare Certified Agent help you. If you do not have an agent, you can call me. I'm happy to help. 402.708.6616 - my company is licensed in all 50 States.

Answered by Brian Leichner on May 12, 2025

Agent Licensed in NE, AZ, CO & IA, KS, MO & TN

Answered by Brian Leichner Medicare Insurance Agent

Marcie Barnes · Answer

I agree with you completely. If you have coverage questions then the insurance company is best to answer those questions. If you are shopping for coverage it is best to speak with a licensed broker to assist you in finding the coverage the best fits your needs.

Answered by Marcie Barnes on May 11, 2025

Agent Licensed in TX, AK, AL & 48 other states

Answered by Marcie Barnes Medicare Insurance Agent

Why not just call the insurance carrier directly?

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Why not just call the insurance carrier directly?

Agents: Share Your Expertise

Seniors: Ask a Question of Your Own

Agent Locator

Medicare Agents HubA non-government resource website

Medicare Agents Hub
A non-government resource website