Medicare Agents vs Brokers: Pros, Cons, & How To Choose

You can use the link below for WebCE to obtain your study material needed before you scheduled your insurance exam. “Humana” is the brand name for plans, products and services provided by one or more of the subsidiaries and affiliate companies of Humana Inc. (“Humana Entities”). Plans, products, and services are solely and only provided by one or more Humana Entities specified on the plan, product, or service contract, not Humana Inc. Not all plans, products, and services are available in each state. Our sales agents take the time to get to know you so they can use their experience and knowledge to help you make the right Medicare decision for you. They’re committed to building good relationships and offering continued support even after you’ve found your plan.

Never purchase items from a website that you’ve found from and e-mail link. If you know the name of an organization you want to do business with, go to the website on your own. SMPs conduct outreach in their communities by presenting to groups, hosting exhibits and community events, providing one-on-one counseling, and answering calls to the SMP help lines. SMP volunteers also help Medicare and Medicaid beneficiaries who are unable to address fraud by themselves, and, if necessary, SMPs will refer beneficiaries to outside organizations that can investigate. The DES Division of Aging and Adult Services houses two programs to aid with Medicare—the State Health Insurance Program and the Senior Medicare Patrol . Whether you’re signing up for Medicare for the first time or you’re...

By using a licensed Medicare agent, you will get accurate information, have all your questions, and, most importantly, not have to pay an additional fee for their services. You will never have to pay an additional fee to enroll in Medicare through an agent. Most insurance carrier information is only available for agents to view.

Specific requirements for licensure vary by state, but you'll need a resident license for your own state and non-resident licenses for any other states in which you plan to sell. Medicare Advantage is a great line to sell, whether you're a newcomer to selling insurance or an experienced insurance professional looking to diversify your portfolio. But no matter how much experience you have, you need proper Medicare insurance sales agent training to complete the certification process. Most insurance carriers require their certifications to be passed annually prior to the upcoming Medicare annual election period . Ask your immediate upline to to learn how to get certified to sell Medicare advantage plans, they will give you detailed instructions for each carrier.

Our Licensed Independent Agents have undergone hundreds of hours of training. They will review Medicare Options with you, and advise on a plan that fits your unique situation and budget. When it comes to evaluating Medicare plans, it’s important medicare agent to consider what medications you will need covered, the doctors and specialists that will be available to you, and of course, the all-important budget. This is why we hold steadfast to our goal–to walk alongside you and simplify the process.

Our calculator will help you determine the life insurance policy size that best fits your circumstance. The State Health Insurance Assistance Program, or SHIP, is a national program that offers one-on-one counseling and assistance to people with Medicare and their families. She’s worked with Fortune 500 companies and written for publications like The Guardian, NBCNews and Health magazine.

With this type of plan, Medicare pays the premium for the MSA plan and makes a deposit into the MSA established by the beneficiary. The money in the MSA can be used to pay for health services provided before the deductible is met and for services not covered by the MSA plan. After the deductible is met in a given year, Medicare-covered services are covered by the health plan. Our mission is to provide information that will help everyday people make better decisions about buying and keeping their health coverage. Our editorial staff is comprised of industry professionals and experts on the ACA, private health insurance markets, and government policy.

You should receive your card 4 months in advance of your eligibility to enroll. If you’re on Medicaid, it helps to know what level of Medicaid you have. If you don’t know, we have resources that can help determine your level of eligibility. Let us provide you with a live demo of our insurance agency management software.