Unlike captive insurance agents, independent Medicare insurance agents are not contracted to work with one single company, and they can sell policies from multiple insurance companies.
They help clients compare plans from different companies, providing unbiased information about the various Medicare options available in their area to support informed healthcare decisions.
When working with clients, they take the time to understand each person’s unique healthcare needs and budget. Using their knowledge and expertise, they compare plans from multiple insurance companies, including Medicare Advantage, Medicare Supplement, and Part D Prescription Drug plans. They explain the differences between each plan — including the benefits, costs, and provider networks — to help clients determine which option best fits their needs.
One advantage of working with an independent Medicare agent is their freedom from affiliation with any single insurance company, allowing them to offer a wide range of plans from different carriers for greater choice and flexibility.
Moreover, their services are entirely free for clients, as they are compensated directly by the insurance companies.