How do I find a Medicare agent?

Asked by: Jennifer Schinner  |  Last update: February 9, 2022
Score: 4.9/5 (64 votes)

You can find a Medicare insurance agent or broker near you by using the Centers for Medicare & Medicaid Services healthcare. gov's Find Local Help search tool. You can also find licensed agents and brokers through your state insurance department.

What is the difference between a Medicare agent and a Medicare broker?

Unlike independent agents, captive agents partner with only one insurance company and are limited to plans from that particular insurer when assisting Medicare beneficiaries. A Medicare insurance broker is quite similar to an independent Medicare agent. They're not bound to just one insurer.

Who can help me with Medicare decisions?

Call 1-800-MEDICARE

For questions about your claims or other personal Medicare information, log into (or create) your secure Medicare account, or call us at 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.

Do Medicare brokers charge a fee?

Medicare brokers, also known as independent Medicare insurance agents, are paid by the insurance companies they represent. There's no extra fee or cost for enrolling through a broker. The broker's commission is included in your premium.

Are Medicare advisors free?

Medicare advisors may also work for agencies that provide free counseling and assistance to Medicare beneficiaries. These types of Medicare advisors are typically non-profit organizations that offer their services for free.

How to become a Medicare Agent | Step by Step: Very detailed

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Who is the best person to talk to about Medicare?

You can make an appointment with a Social Security representative at your local office by calling 1-800-772-1213. You can also call Medicare directly at 1-800-633-4227. Finally, your State Health Insurance Assistance Program (SHIP) provides free counseling and education to help you choose coverage.

What is high cap Medicare?

HICAP (Health Insurance Counseling and Advocacy Program) provides free, confidential one-on-one counseling, education, and assistance to individuals and their families on Medicare, Long-Term Care insurance, other health insurance related issues, and planning ahead for Long-Term Care needs.

Who pays a Medicare broker?

Health insurance agents and brokers are paid through commissions. The insurance companies pay either a flat fee or a percentage of the monthly premium (typically between 1% and 5%) to the insurance agent for bringing them the customer and for continuing to service the client in the future.

How many Medicare agents are there?

AGA Medicare Options has over 4,000 experienced agents across the U.S., making it easy to find a knowledgeable, nearby agent to fully inform you on all your local Medicare plan options, including possible cost savings.

What is the average Medicare supplement commission?

Medicare Supplement Commissions

The average Medicare Supplement commission rate is 22% with a 12-month advance. The average yearly premium for Medicare Supplement plans is $1,600, which has a renewal rate of $29.33/month. Agents can earn renewal commissions for at least six years.

What are the 4 types of Medicare?

There are four parts of Medicare: Part A, Part B, Part C, and Part D.
  • Part A provides inpatient/hospital coverage.
  • Part B provides outpatient/medical coverage.
  • Part C offers an alternate way to receive your Medicare benefits (see below for more information).
  • Part D provides prescription drug coverage.

Do you have to contact Medicare when you turn 65?

If you are eligible for automatic enrollment, you should not have to contact anyone. You should receive a package in the mail three months before your coverage starts with your new Medicare card. There will also be a letter explaining how Medicare works and that you were automatically enrolled in both Parts A and B.

When should you start looking at Medicare?

Generally, we advise people to file for Medicare benefits 3 months before age 65. Remember, Medicare benefits can begin no earlier than age 65. If you are already receiving Social Security, you will automatically be enrolled in Medicare Parts A and B without an additional application.

What is a Medicare broker?

A Medicare insurance broker is an independent agent who represents multiple carriers so that they can work to give you an unbiased opinion on your Medicare plan options. They are appointed by many different insurance companies so that they can find the right fit for you rather than having to push one carrier.

Are there Medicare advisors?

Medicare advisors are insurance agents, Medicare brokers and Medicare underwriters. They work for private companies that are under contract with Medicare to sell certain Medicare plans — Medicare Advantage plans and Medicare Part D prescription drug plans. ... Other advisors may specialize in Medicare plans.

Does UnitedHealthcare have agents?

To help you provide the best possible service to your customers, UnitedHealthcare offers contracted agents access to online sales, marketing, training and enrollment tools.

How do Medicare sales agents get paid?

Medicare Advantage commissions are paid per application. Initial commissions and renewal commissions are how they get it. Typically, both Medicare Advantage commissions and Medicare Part D plan commission payments are paid one year in advance. In other words, the companies pay the full year's commission upfront.

Is selling Medicare lucrative?

Is Selling Medicare Lucrative? In short, yes. The average Medicare Advantage policy pays around $262 a year in commission if the purchase replaces an existing plan. However, you can get approximately double that — $525 — if you write up a new Medicare Advantage plan for someone who hasn't had one before.

How many pints of blood are covered by Medicare Supplement core benefits?

How many pints of blood will be paid for by Medicare Supplement core benefits? Medicare Supplement core policy benefits will pay for the first three pints of blood.

How do I get help with Medicare plans?

Call your State Medical Assistance (Medicaid) office for more information and to see if you qualify. Visit, or call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.

What is the Medicare open enrollment period for 2021?

When you first become eligible for Medicare, you can join a plan. Open Enrollment Period. From October 15 – December 7 each year, you can join, switch, or drop a plan. Your coverage will begin on January 1 (as long as the plan gets your request by December 7).

What phone number is 800 633 4227?

1-800-MEDICARE (1-800-633-4227)

For specific billing questions and questions about your claims, medical records, or expenses, log into your secure Medicare account, or call us at 1-800-MEDICARE.

How long does it take to get Medicare Part B after?

This provides your Part A and Part B benefits. If you are automatically enrolled in Medicare, your card will arrive in the mail two to three months before your 65th birthday. Otherwise, you'll usually receive your card about three weeks to one month after applying for Medicare.

How much does Medicare cost at 65 years old?

Most people pay the standard premium amount of $144.60 (as of 2020) because their individual income is less than $87,000.00, or their joint income is less than $174,000.00 per year. Deductibles for Medicare Part B benefits are $198.00 as of 2020 and you pay this once a year.