Ask a Humana Medicare Agent

I’m glad to know that a Medicare supplement agent can focus on helping my parents to get the policy that works best for them. I am helping my parents look for an agent that can help them through the process. Thanks for your tip on finding one that is licensed here in California and look into their previous experiences to ensure that they are in the right hands. With today’s technology, you don’t need to spend time navigating a nearby office to meet with a local agent. Today, agents are licensed in multiple states to make it more convenient for beneficiaries. An out-of-state Medicare agent will provide the same service if they have a license in your state.

She then presented several Medicare plans, including Original Medicare and some Medicare Advantage plans, that could meet those goals. For each plan, Ann made sure that Pam’s doctors and physical therapists were in network and her medications were covered. As a DMS Sales Agent and a Medicare member, I enjoy the unique opportunity to help Baby Boomers choose the most appropriate coverage for their individual needs. I recognize shoppers have many options to consider when selecting a plan. I’m here to help them navigate through the intricacies of Medicare and introduce them to what Humana has to offer.

Without adequate coverage, these costs can add up to millions of dollars. That's part of why some carriers require you to have E&O before you can sell with them. Determine the size and diversity of the plan's network so you can advise new clients.

For example, if you want to sell Medicare plans with Aetna, Cigna, and Anthem, you’ll need to complete a contract with each of those entities through your FMO. Now that you are licensed to sell health insurance, you must take and pass with 90% or better an annual Medicare training and certification through America’s Health Insurance Plans . To become a Medicare insurance agent, you must first get a health insurance license in the state you currently live in .

This means that a single agent will not necessarily represent every available plan. In this way, the agent market is filtering plan options, something that may not be apparent to the beneficiary even if the agents and agencies disclose it in their communications. Review Medicare plansMedicare agents and brokers can compare your current coverage to other available options to determine if you can save money without sacrificing coverage. Their expertise can cut through confusion about different options to find the best combination of Medicare plans to meet your needs.

Agents who represent a particular health insurer can only sell you plans from that insurer. These captive agents are typically experts on all the options their company offers. But you won’t learn about medicare agent plans from other Medicare insurance companies. Whether you choose to be an independent insurance agent or work with a team, you can build and maintain a good business selling Medicare Advantage plans.