Selecting the right KIND of insurance agent may save you $100’s each year.
So what kind of medicare insurance agent should you be looking for?
The short answer is to work with a “broker”, and not just an insurance “agent.”
Here’s the long answer:
A simple “insurance agent” can sell you a variety of products, and most agents out there are relatively reliable, honest and hardworking. However, some agents don’t expand their carrier offerings and stop with just a handful of carriers (that means less choices they are able to show you). Additionally, some agents work out of a large call center for one specific company, and are unable to provide you information about their competition. Lastly, an agent that works for one specific company is called a “captive agent” and can only sell you plans from that one company.
“BROKER” = more options
Working with a Medicare Insurance Broker will expand your buying options, giving you access to plans and policies that may not be available with most health agents. As a broker, I’m committed to offering as many plans and products in the San Diego County area to better serve my clients. I have access to virtually every single medicare plan in the county, and I have special authority to offer additional plans you may not find elsewhere. Let me explain:
All health insurance agents can sell you a Medicare Supplement insurance policy (medi-gap plan), but not all of them can sell you all types of San Diego medicare options out there. In order to be able to sell you a part C plan (also known as an Advantage Plan), they must be authorized to sell, certified, and must have passed extra testing by the Centers For Medicare & Medicaid (CMS). The agent must also complete and pass carrier tests and training. Therefore, agents that sell Advantage plans have more training, can offer more options, and are held to higher standards (by CMS – and the carriers).
Additionally, these agents must complete these trainings, pass these tests and attend these product trainings on an annual basis. Every year they must prove they have the knowledge, willingness and commitment to offer these options.
For a Free, no obligation Medicare assessment, call me and we can speak by phone, with no pressure to buy. I can be reached directly at 888-939-7383. Or I may be reached by email at: email@example.com
Not all insurance agents are brokers. Selecting a Medicare Insurance Broker can save you time, money and give you the most options when selecting your coverage.