Why Insurance Agents Matter
Why Work with an Independent Insurance Broker
When navigating the maze of Medicare options, having a knowledgeable guide can make all the difference. Independent brokers work with a variety of insurance carriers rather than being tied to a single company, which allows us to compare plans and recommend those that fit your unique needs. Because we aren’t tied to one provider, you can expect our advice to be objective and centered on your priorities, budget, and lifestyle. We'll help you weigh benefits and costs, identify the plan features most important to you, and avoid pitfalls that could cost you later.
Support That Continues After Enrollment
Choosing a plan is just the beginning. The right broker remains a resource long after you sign your application. This means you can turn to our team for help with:
- Correcting billing errors
- Guiding you through a coverage appeal
- Getting critical prescriptions when your pharmacy runs into an issue
- Explaining policy details in plain language
- Notifying you when plan benefits or rules change
Because we understand how each insurance company’s underwriting process works, we can help you target the carriers most likely to approve your application. That insight can save you significant time—and sometimes money—compared to applying blindly.
Training Behind the Advice
Before they’re allowed to help Medicare clients, brokers must meet stringent education and licensing requirements. This includes:
- Completing state-required pre-licensing education.
- Passing a state licensing exam.
- Obtaining a license through the National Insurance Producer Registry.
- Earning AHIP Medicare certification.
- Carrying errors and omissions (E&O) insurance.
- Contracting with a brokerage firm or national marketing organization.
- Completing annual Medicare carrier certification for each insurer they represent.
- Meeting ongoing continuing education requirements to keep their license current.
This extensive training ensures that when you work with a licensed broker, you’re getting advice backed by both expertise and compliance with federal and state regulations.
How Are Brokers Paid?
Brokers receive a commission from the insurance companies whose plans they sell. This commission is built into the plan cost, so your premium is the same whether you use a broker or go directly to the insurer.
The difference? If you enroll without a broker, the company simply keeps that commission for itself. By working with a broker, you get our ongoing guidance at no extra cost to you, along with the peace of mind of knowing you have a knowledgeable advocate in your corner.
The Bottom Line
Partnering with a Medicare broker means you don’t have to navigate complex insurance decisions alone. You’ll get personalized plan recommendations, application assistance, and a trusted point of contact for as long as you keep your coverage—without paying a penny extra for our help.