Frequently Asked Questions

Clear Answers About Independent Insurance, Medicare Guidance, and Policy Reviews.

Medicare Questions Answered

What does a Medicare agent do? They help you compare, select, and enroll in Medicare Advantage, Part D, or Medicare Supplement (Medigap) plans that will fit your needs.
How much do agents charge? Agents are not allowed to charge for anything related to Medicare products. Agents and brokers are typically paid by insurance companies.
When should I talk to an agent? Ideally, about three months before your 65th birthday or before your Medicare eligibility starts to avoid penalties.
Can an agent help me after I enroll? Yes, they can assist with plan changes during the Annual Enrollment Period (Oct 15–Dec 7), help with claim disputes, and explain benefits.
What info should I prepare? List your current doctors, specialists, preferred hospitals, and all prescription medications with dosages.
Do I need a broker or a captive agent? A broker works with multiple insurance companies, offering a broader range of options compared to a captive agent who only sells for one company.
What are common, important questions to ask a potential agent?
How many companies do you represent?
How long have you been selling Medicare plans?
Do my current doctors accept this plan?
Will my prescriptions be covered, and at what cost?
What is the maximum out-of-pocket cost for this plan?

Cold Calling: Agents cannot call you unless you are already a member or gave permission.
Unsolicited Visits: Agents cannot come to your home without an invitation.
Gifts: Agents cannot offer cash or gifts worth more than $15 to join a plan.
Claims: Agents cannot ask for bank/credit card numbers over the phone unless processing a formal enrollment.

Review your plan annually: Rules and coverage change.
Check networks: Ensure your doctors are in network to potentially avoid higher costs.
Watch for gaps: Ensure you have prescription drug coverage (Part D) to avoid penalties.