Medicare Insurance FAQ

Yes. Licensed agents can help you understand your Medicare options, including Medicare Advantage, Medicare Supplement (Medigap) plans, and Prescription Drug Plans (Part D). They can guide you through enrollment and help you compare plans based on coverage, cost, and provider networks.

No. There is usually no cost to use a licensed health insurance agent. They are paid by insurance companies, not by clients, so their services are typically free to you.

Agents can help with:

• Individual & Family Health Insurance (ACA/Marketplace)
• Medicare Advantage & Medigap Plans
• Prescription Drug Plans (Medicare Part D)
• Dental, Vision, and Hearing Insurance
• Employer/Group Health Plans
• Short-Term and Supplemental Health Insurance

You can verify their license by checking your state’s Department of Insurance website. A licensed agent will be transparent about their qualifications, certifications, and the carriers they represent.

Yes. Licensed agents are trained and certified to assist with both Medicare enrollment and Affordable Care Act (ACA) Marketplace plans. They can help you determine your eligibility, compare plans, and handle the paperwork.

• Medicare Advantage (Part C) is an all-in-one plan offered by private insurers that includes Parts A, B, and usually D.
• Medigap helps pay for out-of-pocket costs not covered by Original Medicare, like copayments and deductibles.

An agent can help you choose between the two based on your budget and health needs.

Absolutely. Agents provide ongoing support, such as resolving claim issues, updating coverage, and helping you switch plans during Medicare Annual Enrollment or Open Enrollment Periods.

You should reach out:

• When turning 65 and becoming eligible for Medicare
• During Open Enrollment (ACA or Medicare)
• After a Qualifying Life Event (e.g., retirement, losing job-based coverage)
• If you’re unsure about your current plan or need expert advice

Yes. Licensed agents follow strict HIPAA privacy laws and ethical standards to protect your personal and health-related data. Your information is handled securely and confidentially.