Updated: Oct 13
When deciding which CT Medicare insurance broker to work with ask yourself these three things.
Are they independent or are they a captive agent?
Do they take the time to explain in a way that I understand?
Is this someone I can count on throughout the year not just to enroll in a plan?
What does this mean?
As a general rule a captive agent is appointed and represents only one particular carrier, i.e., United, Aetna and so on. While they should have a great deal of knowledge, they are only capable of advising and offering the best plan the company they represent has for you.
Independent Medicare brokers can be appointed to represent any number of carriers they wish. Offering many options or even every possible option available to you based on the county you live in. This means that rather than representing a particular company an independent broker can offer un-biased information and options, giving you the best chance for the perfect match.
All Medicare Insurance brokers must go through federal, state and carrier training each year before they are certified ready to sell for the upcoming calendar year. CMS has very strict rules to protect Medicare beneficiaries to ensure they are getting help from someone knowledgeable.
Of course, in either situation you would want to work with a likeable trustworthy person. I pride myself in forming relationships and getting to know the folks I help. Helping others and having a positive impact on them and their families is very rewarding
“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”