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Medicare Agents Near Me

Summary: With the help of technology, it is no longer necessary to find a Medicare broker near you to get assistance. Licensed Medicare agents and brokers can save you time and money by helping you compare plans across multiple carriers. In this article, you’ll learn how to find a licensed agent, how Medicare brokerage works, and the benefits of working with an agent. Estimated Read Time: 8 min

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Table of Contents:

  1. How to Find a Medicare Insurance Agent
  2. Should I Use a Medicare Broker?
  3. Medicare Advantage Agents: How They Can Help
  4. Medicare Supplement Agents Can Help You Save Money on Your Policy
  5. How Are Medicare Agents Paid?
  6. Do I Need Work With a Medicare Agent Near Me?
  7. Why You Should Choose MedicareFAQ
  8. How to Find a Licensed Insurance Agent for Medicare

Finding Medicare coverage is easier than ever with the help of a licensed Medicare insurance agent. You can speak with a Medicare agent or broker over the phone from the comfort of your own home. These licensed agents can assist you with finding and comparing Medicare plans that are available in your area. Receiving help from a Medicare broker or insurance agent can help ensure you get the coverage you need while staying within your budget.

Below, we review the many benefits of working with a Medicare insurance agent and how to find an agent that’s licensed in your state. We’ll also explain how Medicare brokers and insurance agents get paid and the importance of working with a creditable agent.

How to Find a Medicare Insurance Agent

Working with a Medicare insurance agent can take a lot of the frustration and confusion that can come with getting a Medicare plan. So, what is the best way to find a Medicare insurance agent? Here are a few things to keep in mind when you’re looking for a Medicare agent:

  • There are two types of insurance agents: captive agents and independent agents. Captive agents work for a single insurance company, whereas independent agents and brokers can compare plans across multiple insurance companies.
  • Medicare brokers and licensed agents must be licensed to operate in your state. Brokers and agents can be licensed in multiple states. For example, all agents at MedicareFAQ are licensed to offer insurance services in 48 states.
  • Though Medicare brokers have access to plans through multiple carriers, they may not have access to all carriers. Brokers will typically have a list of carriers on their website, or you can ask your agent over the phone which carriers they work with.
  • Licensed insurance agents and brokers who work with Medicare policies must adhere to Medicare’s rules and are subject to rigorous oversight. Agents cannot try to pressure you into certain plans and cannot provide misleading information. You can learn more about these rules and protections by contacting Medicare at 1-800-633-4227 or by contacting your State Health Insurance Assistance Program (SHIP).

If you want to take the guesswork out of finding a licensed agent, we can help. You can call the number at the top of your browser or click the “Compare Plans” button to be connected with a licensed insurance agent. Our agents are licensed in 48 states and have access to over 30 reputable carriers nationwide.

Should I Use a Medicare Broker?

Many seniors enrolled in Medicare find that they save money and enroll in a better plan when using the help of a licensed broker. There are many benefits to working with a licensed broker when it comes to choosing Medicare coverage.

Working with a licensed agent can save you time and money.

A licensed insurance agent can enroll you in a plan in person, online, or over the phone. Since many Medicare agents are licensed in multiple states, you can save time by working with an agent over the phone.

Licensed agents can quickly and efficiently search dozens of plans from different insurers, saving you time and money in the process. Agents take the time to listen carefully to both your medical and financial needs so they can help you find a plan that works not only for your health, but also your budget.

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Even if you’re looking at getting a Medicare Supplement Plan, which has the same benefits across all carriers, your agent can help you find which reputable carrier has the lowest monthly premiums.

Additionally, a Medicare broker will be able to help you avoid overspending on a plan with more benefits than you need. By speaking with an agent one-on-one, you can ensure you walk away with a policy that has benefits that fulfill your individual needs.

Medicare brokers have experience and a wealth of knowledge.

Working with a licensed agent can help ensure you get accurate information, have all your questions answered, and understand all coverage options available to you.

A good Medicare agent understands different carrier guidelines, rate increases, and limitations that Medicare beneficiaries may not be aware of. This information is acquired through years of first-hand experience and feedback from current clients, which can then be shared with those new to Medicare.

Most insurance companies do not release their information to the public because this information can be overwhelming, hard to understand, and may cause clients to have a false perception of the carrier and their plans. Plus, every service area has different rules or guidelines regarding plans, making consistency difficult. Licensed insurance agents will be able to provide the most up-to-date information on carriers and their plans.

Though there are many benefits to working with a licensed Medicare insurance agent, it is important to remember your rights as a Medicare beneficiary. Agents cannot persuade you to make a plan selection that you are not comfortable with. Additionally, just because you speak with an agent, you are under no obligation to enroll in a policy.

Medicare Advantage Agents: How They Can Help

If you’re interested in enrolling in a Medicare Advantage plan, a licensed Medicare agent can be a valuable resource. Since benefits and coverage vary greatly between Medicare Advantage plans and carriers, it can be extremely time-consuming and confusing to compare plans on your own. Not to mention Medicare Advantage plans are heavily advertised, which can make things even more confusing.

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A licensed Medicare Advantage agent can help dispel the confusion around Medicare Advantage plans and help you find and compare plans that have benefits that are important to you.

Medicare Supplement Agents Can Help You Save Money on Your Policy

Since Medicare Supplement plans have benefits that are standardized by the government, many people forego comparing plans and just sign up with any carrier. Unfortunately, this means some people are paying more for their plan premiums than they need to. Though Medigap benefits are standardized, prices are not. So, Plan G from carrier A may cost more than Plan G from carrier B, even though the benefits are the same.

A Medicare Supplement broker can quickly compare Medigap plans across multiple carriers to find the lowest prices. They can also help you determine, based on your budget and health, which Medigap plan would provide the coverage you need.

How Are Medicare Agents Paid?

Using a licensed agent should always be of no charge to you. You want to avoid working with an agent who requires payment or tries to add an additional fee to your monthly premium.

Licensed agents receive payments directly from the carrier once they submit an application. Because of this, Medicare brokers and agents are unbiased about which carrier you enroll through. They will receive the same payment regardless of the cost of the plan. Thus, a good Medicare agent is encouraged to help you find the right plan for you, not for their pockets.

How Does a Medicare Agent Get Paid

Remember: Medicare brokers and agents are not allowed to try to pressure you to buy any one plan. Additionally, they cannot offer you a gift, money, or other incentives for enrolling in specific plans. If you feel like your agent is trying to convince you that one plan is “the best” or is trying to sell you policies that you haven’t agreed to talk about, hang up and contact Medicare or your State Health Insurance Program (SHIP).

Do I Need Work With a Medicare Agent Near Me?

To sell a Medicare insurance plan, a Medicare agent must have a valid Insurance license in the state they are selling in. Regardless of where they live or work, a Medicare agent can help you find coverage nationwide as long as they hold a license in your state. Because Medicare is so complex, having a Medicare agent well-versed in all Medicare rules and regulations is essential. Thus, there is no reason why you need to work with a local Medicare agent.

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An out-of-state Medicare agent will provide the same service if they have a license in your state. So, there’s no reason you need to travel anywhere to see an agent; they would not need to come to your house to help you with your coverage. Enrolling over the phone or online is easier, faster, and more convenient for all involved.

With today’s technology, you don’t need to spend time navigating to a nearby office to meet with a local agent. Today, agents are licensed in multiple states to make it more convenient for beneficiaries.

Why You Should Choose MedicareFAQ

At MedicareFAQ, our licensed agents are committed to upholding our core values: transparency, reliability, integrity, and commitment. Every day our nationally licensed agents help Medicare beneficiaries find plans that work best for them, regardless of which carrier offers it. Clients who work with MedicareFAQ agents gain year-round support from our Customer Care team to ensure they continue to be satisfied with their coverage.

If you have questions about Medicare, or any of the supplemental coverage options available, our agents can help. Each agent is equipped with the knowledge necessary to answer your Medicare questions and educate you on your coverage options.

Our services will always be 100% free to you. If you speak with an agent and decide you’re happy with your current coverage and don’t need further assistance, no problem! You’re under no obligation to enroll in any plans you discuss and our team will never pressure you to make changes to your coverage.

How to Find a Licensed Insurance Agent for Medicare

We work with over 30+ major insurance carriers to bring our clients the best possible care. Whether you wish to enroll in a plan through Aetna, Mutual of Omaha, SilverScript, or any of our other world-class carriers, we have your back!

The most important thing is you enroll in a policy you can afford that covers you in all the right places. Call us today to speak with one of our licensed insurance agents. Or, you can complete our online rate form to see your rates now!

Jagger Esch

Jagger Esch

Medicare Educator
Jagger Esch is the Medicare Educator for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

6 thoughts on "Medicare Agents Near Me"

  1. How do I find an agent who is licensed in California, Oregon, and Colorado? My mother may be in 1 or all 3 states in 2022.

    1. Hi Jane, our agents are licensed in all three of those states. Please give your mother our phone number if she would be interested in exploring premium rates for Medicare plans.

  2. One question: When you retire at 70 years old and get enrolled in Medicare Part B and applying a Medicare Supplement plan the same time, will you be questioned or screened on physical conditions by insurance companies?

  3. I’m glad to know that a Medicare supplement agent can focus on helping my parents to get the policy that works best for them. I am helping my parents look for an agent that can help them through the process. Thanks for your tip on finding one that is licensed here in California and look into their previous experiences to ensure that they are in the right hands.

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