The difference between independent and captive Medicare agents is that an independent agent is not affiliated specifically with a carrier, while a captive agent only accepts one type of company’s product.
Independent agents offer services such as comparison shopping for products to find the carrier (typically more than one) best suited to the client and their needs.
They will also help the client fill out all necessary paperwork for applications, provide ongoing consultation about changes in coverage or benefits, negotiate reimbursement amounts from carriers when applicable, and help clients establish eligibility for coverage if they are enrolled in other plans.
Captive agents typically never leave their desk without wearing a vest with the name of the company embroidered on it to answer questions about insurance plan offerings—
A Medicare Supplement agent is responsible for helping their clients find the best plan to meet their needs. Most agents have extensive knowledge of health insurance and can answer questions about available medical coverage.
A qualified Medicare Supplement agent should be able to educate you on all Medicare supplements that are currently in the market place and can review policy options with your best interests at heart, so look for someone who’s educated and licensed and does more than simply enter your basic information into an online quote engine or phone call program.
It’s worth spending a little more time in search of a knowledgeable specialist who would rather invest time upfront in educating you about the details of Medicare Supplemental Insurance than just push you through this decision making process transactionally.
A Medicare Advantage agent becomes an expert on Medicare, as well as any and all private insurance programs, so that they are able to provide a client with personalized counsel designed to meet their needs.
Some agents offer private health care coverage such as an HMO, PPO, POS or point-of-service plan.
Medicare Advantage agents are the liaison between their clients and their insurance company. Agents typically broker the clients’ choice of benefits, as well as help find a plan that suits them best.
Shopping for health insurance can be an overwhelming task. Though we all want to protect ourselves from financial catastrophe, it’s hard to know whether you’re making the right choices when it comes to your own safety and coverage needs. If you’re looking for extra clarity during this process, talk with one of our certified agent today! Call us now! Let us take care of that nagging feeling in your gut by putting you at ease with some helpful medical insurance information today. We live and breathe this stuff so let us share what we know about Medicare Advantage today!
A Medicare Health Insurance agent is a person who specializes in the availability of Medicare health insurance. They work to provide for people who are eligible to purchase coverage and have reached or surpassed the age of 65 years-old, while also serving as an invaluable resource for those that think they may be eligible but aren’t sure what their next step should be.
They prepare people by going through each stage of their journey that’ll take them through from application, enrollment, making modifications and planning for future needs all the way up to retirement. And moreover, agents can make it easy by providing details on every type of plan that’s available based on your particular needs and lifestyle so you know you’re getting the most out of your benefits.
