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What to Know Before Contacting a Medicare Insurance Agent
A little preparation makes the conversation faster and the comparison more useful.
Talk to a Licensed Agent: (302) 407-0876Captive Agents vs. Independent Brokers
A captive agent represents one insurance carrier, while an independent broker can compare plans across multiple carriers. Both are typically paid by insurance companies after enrollment, not by you directly, so a consultation usually doesn't cost anything out of pocket.
All licensed Medicare agents must be state-licensed and complete annual CMS-required training, regardless of whether they're captive or independent.
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Speak with a licensed insurance agent at no cost or obligation
Call (302) 407-0876What to Have Ready
Before you call, gather your Medicare card, a list of your current medications with dosages, the names of your doctors and any hospitals you prefer, and a rough sense of your monthly budget. This lets an agent compare plans against your actual situation instead of generic options.
It also helps to understand upfront that there are four basic coverage paths — Original Medicare, Medigap, Medicare Advantage, and standalone Part D — so you can ask informed questions about which combination might fit you, and to know that missing an enrollment window can trigger a late enrollment penalty, which is often the most time-sensitive thing an agent can help you avoid.
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