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Here are tips to find independent Medicare insurance brokers with the expertise and access to best policies available for where you live. Discover how does a broker differs from an agent? Read the 5 questions that will help you find the best broker for your Medicare insurance needs and budget.
To most people, the term agent means the same as broker. But there is an important difference. And that difference can impact you.
One is not necessarily better than the other. But, understanding the important difference is important.
An agent typically defines an individual who works specifically for one company. In this case one insurance company. For example, a State Farm agent typically works to sell State Farm products. An agent may (or may not) be able to sell insurance products from other companies.
A broker on the other hand defines someone who represents and sells multiple insurance companies. However, they may represent just a few companies. Or, they may represent many. We’ll share ways to find that out; keep reading.
Both agents and brokers are licensed. They have to take ethics classes and, as a result, they should be working to get you the best insurance coverage for your needs and budget.
But, if they represent (sell) insurance from only one company, that may be the best and cheapest. Or, there may be better ones out there. Unfortunately, since the agent can’t sell you that policy, they likely won’t send you away to someone who can.
Now, a broker can represent multiple insurance companies. But, again, that doesn’t mean they are going to get you the best policy. Let’s look at Medicare for an example. Depending on where you live, there might be 40 different Medicare Advantage plans available. Plus another 20 different Medigap insurers. NO broker is able to sell them all.
So, how do you find the best person to work with?
The American Association for Medicare Supplement Insurance makes available the leading online directory that lists Medicare brokers near me by Zip Code. Click on the link to access the directory. It is 100% free and 100% private. You’ll see their info. No personal information is needed to access.
Agent or broker, here are five questions that we believe you should ask. And reasons why we suggest you ask.
Medicare is a national program. But Medicare plan options are local. A plan available where you live may NOT be available in the next County.
When you call a toll free number advertised on television, you really don’t know who you are speaking with. The company advertising on TV may have directed your call to a centralized Call Center. Or they may have sold or passed your information on to an agent. Some will sell you information to multiple agents. Expect your phone to ring and ring.
Deciding which Medicare program is best for you is an important decision.
Medicare does allow you to make many changes down the road. But, not always. So, making sure you get the best coverage from the get-go is important.
Because Medicare is Local, we believe it’s smart to connect with at least one local Medicare insurance professional. And, we make it easy to find them.
Simply enter your Zip Code and see agents and brokers in your area.
No personal information is entered. So you won’t risk having your name and information sold. No calls from agents you don’t want to hear from.
See who sells Medicare Advantage. And, who offers Medicare Supplement (Medigap).
Many listed agents/brokers will say how long they have been focused on Medicare insurance.
The directory is the leading resource used to find local experts.
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