Find a Local Medicare Insurance Agent

Medicare brokers frequently sell other types of insurance — home, life, auto, long-term care — which may be of interest to you. Agents and brokers both compare different Medicare plans and combinations of plans to come up with the best options based on price and need. This type of agent can only sell policies from one insurance company. If you are enrolled in Medicare Part A and Medicare Part B, you are eligible for a Medigap plan. The enrollment period is open for 6 months from the beginning date of your Medicare B coverage. Medicare Part B pertains to MEDICAL coverage such as doctors visits, outpatient care, medical supplies, and preventive services.

This means that carriers’ and agents’ incentives for growth are perfectly aligned. When you need help signing up for your Medicare plan, contact our health insurance agents in Phoenix and learn about our simple, guided online Medicare enrollment process. We can make sure all your bases are covered and you select the right plan to meet your healthcare goals.

Given their local roots, agents can help plans reach a broader spectrum of beneficiaries, including racial and ethnic minorities and nonnative English speakers. Yet beneficiaries have limited ability to gauge the caliber of their agent, as there is no systematic or transparent way either for them or plans to avoid a bad actor. Often, friends or family can provide a referral to an agent, but in other cases it is up to the beneficiary to screen agents.

CMS Medicare rules and regulations are subject to change every year, so all agents who sell Medicare need to take the updated AHIP certification test annually. You need to know as much as possible about Medicare to earn policyholders' trust. Therefore, the sooner you get started, the deeper your learning will be. If you maintain that level in year two and retain 80% of your existing policyholders, your Advantage commission will increase to $100,000. That income will continue to grow annually, assuming you add new clients every year and hold on to a good percentage of your client base.

Connect with a licensed Medicare agent to find the health care plan that works best for your situation and budget. Pick an agent or broker with excellent customer service by asking for references from previous clients. Simply put, Medicare is a government funded healthcare program that is designed to provide special coverage for people who fit a certain criteria. To qualify for Medicare, you must be 65 years or older, or if you are younger than 65, you must have certain disabilities, or have End-Stage Renal Disease. Consult with our Phoenix healthcare providers to learn if you qualify for Medicare and how you can enroll today.

Agents typically secure contracts with multiple carriers, but they are not required to contract with all available carriers in their market. This means that a single agent will not necessarily represent every available plan. In this way, the agent market is filtering plan options, something that may not be apparent to the beneficiary even if the agents and agencies disclose it in their communications.

For instance, in Miami–Dade County, Fla., the online agents offered only three or four of the 10 Medicare Advantage plans with five stars. None of the agents that we surveyed in Summit County, Ohio, or Harris County, Texas, offered the five-star medicare agent Medicare Advantage plans available in those areas. You can check with Medicare to find agents and brokers and with your state insurance department to verify the license status of someone who claims to be an insurance agent or broker.

Download your free PDF and get help with understanding enrollment periods, penalties and Medicare's "alphabet soup" of coverage. When selecting a Medicare agent or broker, make sure they look at whether or not your current coverage — based on both coverage terms and price — is the best option for you. This free PDF will help guide you through the many enrollment periods, penalties and Medicare's "alphabet soup" of plans.

However, the commissions agents and brokers receive for different plans vary by company and arrangement. For instance, the commission can be a flat fee or a percentage of the premium. Regardless, you don’t pay for the agent’s or broker’s service directly. A secondary advantage of being enrolled in a Medicare Supplement Plan is that you are easily able to close this gap and avoid paying extra for necessary prescription drugs. Unfortunately, there are very few insurance companies that will offer you a direct contract if you're not a captive or employed agent. That means you'll need to acquire most of your independent agent contracts for selling Medicare through a Medicare Insurance field marketing organization .

These commissions are paid when the beneficiary first enrolls in an MA or Part D plan. Agents who represent a particular health insurer can only sell you plans from that insurer. These captive agents are typically experts on all the options their company offers. But you won’t learn about plans from other Medicare insurance companies. Medicare Supplement policies is standardized coverage that has a wide range of exclusions and inclusions. Consult with our Phoenix health insurance agents to learn if a Medicare Supplement plan is right for you.