A captive Medicare insurance agent works exclusively for one insurance company, selling only their products and plans. This type of agent is trained extensively by the company, ensuring they are well-versed in their offerings. However, their product options may be limited to what their company provides.
On the other hand, an independent Medicare insurance agent represents multiple insurance companies. This allows them to provide a wider variety of plans and products, catering to individual needs and preferences. They can compare different offerings from various companies and recommend the best fit for you. But they may not have as deep an understanding of each product as a captive agent.