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Medicare Advisors Near Me. Find the best ones. Read what to ask them. Understand the difference between an agent and a broker. Use the free online directory to find independent Medicare insurance pros in your local area.
Medicare is a national program. But, your options are generally local. Plans available in your Zip Code may not be available even a few miles away. Costs for coverage from identical providers can vary from County to County.
Because of this and many other reasons, you can benefit from speaking with at least one local Medicare insurance agent.
The American Association for Medicare Supplement Insurance hosts the leading online directory that lists Medicare insurance advisors (agents and brokers) by Zip Code. It is free to use and 100% private. The only info you enter is your Zip Code.
Medicare advisors are individuals who work with Medicare beneficiaries to evaluate. They should be someone who will help you select the right plan that meets your needs and personal healthcare preferences. And, of course, a plan that meets your budget.
In truth, these are insurance agents or insurance brokers. There can be important differences that we’ll discuss shortly.
There are several key reasons that you really want to find a good person to work with.
Medicare is confusing. It is. And, depending on where you live, you can have dozens of different plan choices to select from. There can be Medicare Advantage plans. And Medicare Supplement (also called Medigap) plans. Maybe 20 or 30 of each. That alone can make you crazy.
Medicare can be costly. You’ve undoubtedly seen the television ads that talk about ‘zero premium’. Well, zero premium does not mean zero cost. These plans can end up costing you money. And, that can vary based on which plan you choose. And, if you want a Medigap plan, one company can charge double for exactly the same plan coverage.
Medicare plan options are local. Typically based on what County you live in. The person at the other end of the toll-free number may sell plans for your area. But, a local person, may have a better lay of the land.
Great question. People may call themselves advisors. But really, they almost always are insurance agents or brokers.
They are typically paid directly a commission when you enroll in a specific plan. They may be paid directly from the insurance company. Or, they may get paid from the company they work for. But you do not pay them. And, how much they get paid is generally pre-determined. In other words, they cannot offer you a better deal by reducing or changing their commission. That’s illegal.
The amount agents get paid varies. But, if you are interested, we posted 2023 Medicare Advantage commissions on our Information Center.
An agent or broker should never favor one company or another because of how much they get paid. That said, it does happen. Which is why we give you some questions to ask your Medicare Advisor.
The Association’s free online directory lists Medicare insurance agents and brokers by Zip Code. All you need to do is enter your Zip Code.
Immediately the listing appears. Read their description. Do they sell Medicare Advantage and Medigap? Call them or send a private email asking them to connect with you.
Be sure to read our questions to ask before speaking to any Medicare insurance agent.
Medicare agents are representatives of specific insurance providers. They offer beneficiaries plans from the insurance companies they represent.
Typically that means only one company. That could be the best option for you. Or, it might not be the best. Which is why we recommend comparison shopping with a Medicare Advisor near me.
Brokers are typically independent professionals with no ties to any single insurance company. They identify and evaluate plans provided by various insurance companies. This should give them more independence to help you select the right plan.
Some brokers specialize in Medicare plans exclusively. Most of these will also sell other insurances popular with seniors. You’ll find brokers who offer all types of insurance — general health, life, etc. They typically do not sell car or home insurance. That’s a very different type of product.
This is the important fact. A broker typically is appointed with multiple insurance companies. But, typically not all of them. That’s why we have you ask the question ‘what companies are you appointed with?’
Choosing the right Medicare plan starts with speaking to the right person. It’s an important decision. And making a mistake can be costly. Don’t be afraid to ask questions of the person you are speaking to.
If you needed surgery, you’d ask the surgeon questions (we hope). Don’t be afraid or embarrassed about asking these questions.
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Read on ongoing series reporting Medicare insurance information, statistics and data. Helpful info for researchers and seniors on Medicare.