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Where Do I Find a Medicare Insurance Agent or Broker I Can Trust?

Updated: Oct 28, 2023


Find a Medicare Insurance Agent or Broker

If you are looking for a Medicare Plan, you may be wondering how to find a reliable and unbiased adviser who can help you navigate the complex and confusing world of Medicare. There are many types of agents and brokers who sell Medicare Plans, but not all of them are equally qualified, experienced, or trustworthy. In this article, we will explain the differences between various types of Medicare agents and brokers, and provide some tips on how to find one that suits your needs and preferences.


What Is the Difference Between an Agent and a Broker?

The terms agent and broker are often used interchangeably, but they have different meanings in the insurance industry. An agent is someone who represents one or more insurance companies and sells their products to customers. A broker is someone who represents the customer and helps them find the best plan from multiple insurance companies.


There are two types of agents: captive and independent. A captive agent works for just one insurance company and can only sell their products. An independent agent works with multiple insurance companies and can offer a variety of plans. A broker is always independent and does not work for any insurance company.


Why Should I Choose an Independent Agent or Broker?

An independent agent or broker can offer you more choices and flexibility when it comes to finding a Medicare Plan. They can compare different plans from different companies and help you find the one that best fits your budget, health needs, and preferences. They can also explain the pros and cons of each plan, answer your questions, and assist you with enrollment and claims.


An independent agent or broker can also provide unbiased advice and guidance, as they are not tied to any specific insurance company. They are paid by the insurance companies they represent, but their commission is usually the same regardless of which plan you choose. They have your best interest at heart and will not try to sell you a plan that is not suitable for you.


How Do I Find an Independent Agent or Broker?

There are several ways to find an independent agent or broker who specializes in Medicare insurance plans. Here are some of them:

  • Search online using keywords like “Medicare adviser” plus your location. You can also use websites like [Medicare.gov] or [HelpAdvisor.com] to find local agents or brokers who sell Medicare Plans.

  • Contact your local State Health Insurance Assistance Program (SHIP). SHIPs are federally funded programs that offer free counseling and assistance to Medicare beneficiaries. They can help you understand your Medicare options, compare plans, and find an independent agent or broker in your area. You can find your local SHIP by visiting [shiptacenter.org] or calling 1-800-MEDICARE (1-800-633-4227).

  • Ask for referrals from friends, family, or other trusted sources who have used an independent agent or broker before. You can also check online reviews, ratings, testimonials, or complaints about agents or brokers on websites like [Better Business Bureau], [Yelp], or [Google].

  • Look for credentials, certifications, and memberships that indicate the agent or broker has the necessary knowledge, skills, and integrity to provide quality service. For example, some agents or brokers may have the Certified Senior Advisor (CSA), Certified in Long-Term Care (CLTC), or Certified Financial Planner (CFP) designation.

  • They may also belong to professional associations like the American Association for Medicare Supplement Insurance (AAMSI), the National Association of Health Underwriters (NAHU), or the National Association of Insurance and Financial Advisors (NAIFA).

What Questions Should I Ask an Independent Agent or Broker?

Before you choose an independent agent or broker, you should ask them some questions to make sure they are qualified, experienced, and trustworthy. Here are some examples of questions you can ask:

  • How long have you been selling Medicare Plans?

  • What types of Medicare Plans do you sell? Do you sell Original Medicare, Medicare Advantage, Medicare Supplement, Prescription Drug Plans, or other types of plans?

  • How many insurance companies do you represent? Which ones?

  • How do you get paid? Do you charge a fee for your service? Do you receive a commission from the insurance companies? How does your compensation affect your recommendations?

  • How do you keep up with the changes and updates in Medicare rules and regulations?

  • How do you communicate with your clients? How often do you follow up with them? How do you handle issues or problems that may arise?

  • Can you provide references from previous or current clients who have similar needs and situations as mine?

  • Do you have any complaints or disciplinary actions against you? If so, how did you resolve them?

Conclusion

Finding a helpful Medicare adviser can be challenging, but not impossible. By following the tips in this article, you can find an independent agent or broker who can help you find the best Medicare Plan for your needs. Remember to do your research, ask questions, and compare options before you make a decision. A good broker can make a big difference in your Medicare experience and satisfaction.


We’re Here to Help

You do not have to spend hours reading articles on the internet to get answers to your Medicare questions. Give the licensed insurance agents at Lane Financial Strategies a Call at (804) 897-2170. You will get the answers you seek in a matter of minutes, with no pressure and no sales pitch. We are truly here to help.


FAQs


Where can I find a Medicare broker or insurance agent I can trust?

There are several ways to find a Medicare broker or insurance agent that you can trust. One option is to ask for recommendations from friends, family, or healthcare providers who have experience with Medicare Plans. You can also use online resources such as the Medicare website or insurance agency directories to search for licensed insurance agents in your area. Additionally, you may want to consider talking to your state insurance department for a list of licensed Medicare brokers.


What is a Medicare broker?

A Medicare broker is a licensed insurance agent who specializes in Medicare Plans. They can provide guidance and assistance in selecting and enrolling in Medicare coverage, including Medicare Advantage Plans and supplemental insurance.


How is a Medicare broker different from an insurance agent?

While the terms are sometimes used interchangeably, a Medicare broker is specifically focused on Medicare Plans and can provide expertise in this area. An insurance agent, on the other hand, may have knowledge about various types of insurance, including Medicare, but may not specialize solely in Medicare Plans.


Why should I consider using a Medicare broker or insurance agent?

Medicare Plans can be complex, and having the guidance of a licensed insurance agent or Medicare broker can help ensure that you understand your options and make informed decisions. They can also help you navigate the enrollment process and provide ongoing support.


How can a Medicare broker or insurance agent help me choose the right Medicare Plan?

A Medicare broker or insurance agent can help you understand the different Medicare Plan options available to you and assist in comparing and evaluating the benefits and costs of each plan. They can also provide personalized recommendations based on your specific healthcare needs and budget.


Are Medicare brokers and insurance agents licensed?

Yes, Medicare brokers and insurance agents are required to be licensed in order to sell Medicare Plans. According to centers for Medicare ,It is important to work with a licensed professional to ensure they have the necessary knowledge and qualifications to assist you with your Medicare coverage.


How do I enroll in a Medicare Plan through a broker or insurance agent?

To enroll in a Medicare Plan through a broker or insurance agent, you will typically need to provide them with your personal information and healthcare needs. They will then guide you through the enrollment process and help you complete the necessary paperwork.


Can a Medicare broker help me if I already have Medicare coverage?

Yes, a Medicare broker can still be of assistance even if you already have Medicare coverage. They can review your current plan and help you determine if there are other Medicare Plan options that may better suit your needs. They can also provide information on Medicare Advantage Plans and supplemental insurance to enhance your coverage.


Are there any fees associated with using a Medicare broker or insurance agent?

In most cases, there are no fees associated with using a Medicare broker or insurance agent. They are typically compensated by the insurance companies when they sell their plans. It is always a good idea to discuss any potential fees or commissions with the broker or agent upfront.


How can I find a Medicare broker or insurance agent that offers free services?

Many Medicare brokers and insurance agents offer free services to their clients. When searching for a broker or agent, it is a good idea to inquire about their fees and ask if they offer free consultations or assistance. Additionally, you can check online directories or contact your state insurance department for a list of licensed Medicare brokers that offer free services.

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