Compare Plans: We provide side-by-side comparisons of Medicare plans available in your area.
Enrollment Assistance: We guide you through the enrollment process to ensure compliance with CMS regulations.
Year-Round Support: We’re here beyond enrollment to assist with plan changes, claims, and questions.
Medicare Enrollment Periods
Initial Enrollment Period (IEP):Begins 3 months before you turn 65 and lasts for 7 months..
Annual Election Period (AEP): October 15 – December 7. You can enroll in, switch, or drop a Medicare Advantage or Part D plan.
Medicare Advantage Open Enrollment Period: January 1 – March 31. You can switch Medicare Advantage plans or return to Original Medicare..
Special Enrollment Periods (SEP): Available in certain qualifying situations, such as moving to a new area or losing employer coverage.
If you miss your enrollment period, you may have to wait until the next enrollment window and could face late penalties.
1. Providing Unbiased Advice
A Medicare broker’s primary mission is to offer objective and impartial guidance to clients. Brokers are independent and work with multiple Medicare carriers, which means they are not tied to any specific insurer. This allows them to present a range of options and recommend the best plan based on the client’s health needs and financial situation.
2. Educating Clients
Many Medicare beneficiaries are not fully aware of all the plan options available to them. A broker’s mission is to educate clients about the different parts of Medicare (A, B, C, D, Medigap), and explain the differences between plans like Medicare Advantage, Medigap, and Prescription Drug Plans (Part D). By doing this, brokers empower clients to make informed decisions about their healthcare coverage.
3. Simplifying the Enrollment Process
The Medicare enrollment process can be complicated and confusing, especially for first-time enrollees. A broker’s mission is to guide clients through the enrollment process, helping them understand the eligibility requirements, enrollment deadlines, and necessary steps to ensure they enroll in a plan at the right time.
4. Finding the Right Plan for Each Client
Every individual has unique healthcare needs. A broker’s goal is to assess the client’s medical needs, medications, healthcare preferences, and budget, and then match them with the best Medicare plan. This might involve:
Choosing between Medicare Advantage and Original Medicare.
Determining if a Medicare Supplement (Medigap) policy is needed.
Ensuring that the client’s prescription drugs are covered.
Identifying additional benefits (like dental, vision, and hearing) that would improve the client’s overall well-being.
5. Ensuring Long-Term Satisfaction and Care
Annual reviews to assess if the plan still meets their needs.
Addressing concerns or issues with billing, coverage, or claims.
Assisting with changing plans during annual enrollment or if a client’s circumstances change.
Ensuring clients know about any updates or changes to their plans each year.
6. Ensuring Compliance with Medicare Rules
Brokers have a responsibility to follow all Medicare rules and regulations, ensuring that they comply with guidelines while recommending plans. This includes staying up-to-date with Medicare policy changes and providing accurate information to clients.
7. Serving as a Trusted Advocate
A Medicare broker’s mission is to be a trusted advocate for the client, especially when dealing with issues related to claims, coverage disputes, or accessing specific services. Brokers use their knowledge and experience to help clients navigate the often complex bureaucracy of healthcare systems and insurance claims.
8. Offering Access to the Best Plans and Carriers
Since brokers work with multiple Medicare carriers (e.g., United Healthcare, Humana, Aetna, Anthem, and others), their mission is to provide clients with access to the best plans available in their area. They use their relationships with carriers to match clients with plans that offer optimal coverage, cost, and convenience.
9. Promoting Health and Wellness
Many Medicare Advantage plans include wellness programs or incentives that encourage healthy living, such as fitness memberships or preventive care. A broker’s mission is to ensure clients are aware of these opportunities and take full advantage of the benefits designed to improve their quality of life.
DISCLAIMER
Not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Currently, we represent 20 organizations offering 687 plans in your area. Please visit Medicare.gov
or call 1-800-MEDICARE to get information on all your options.
By submitting your information, you agree to be contacted by a licensed insurance agent via phone, email, or text regarding Medicare plan options. This is a solicitation for insurance.
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