Working with a Medigap agent can be helpful when you are choosing a Medigap policy. Medigap agents are licensed health insurance agents who specialize in helping Medicare beneficiaries understand their coverage options and select the right Medigap policy for their needs.

Medigap agents are licensed health insurance agents who specialize in helping Medicare beneficiaries.

How to find a licensed Medigap Agent near your home

If you do decide to work with an agent, you should choose one who is licensed and experienced in working with Medigap policies. It is also smart to see which insurance companies have authorized them to sell. Some insurance providers may appoint local insurance agents to sell only their Medigap plans, thereby limiting their options.

  • Contact your state’s Department of Insurance: Each state has a Department of Insurance that regulates insurance companies and agents. You can contact your state’s Department of Insurance and ask for a list of licensed agents in your area.
  • Ask for recommendations: You can ask friends, family members, or healthcare providers if they know of any local Medigap agents they would recommend.
  • Search online: Many local agents have websites online. Make sure to verify that the agents are licensed in your state before working with them.

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What are the benefits of working with a licensed Medigap Agent? 

Here are some potential benefits of working with a licensed agent:

  • Expertise: Medigap agents are trained and licensed professionals who understand the complexities of Medicare and Medigap coverage. They can help explain the benefits and costs of different Medigap policies, as well as answer any questions you may have.
  • Personalized recommendations: Medigap agents can provide personalized recommendations based on your individual needs and budget. They can help you understand the benefits and costs of different policies, as well as any restrictions or limitations that may apply.
  • Local knowledge: A local Medigap agent may have a better understanding of the healthcare landscape in your area, including the availability of doctors and hospitals that accept Medicare. Local knowledge is less important with Medigap since most plans are standardized and are usually the same across the country.
  • Time-saving: Working with a Medigap agent can save you time and effort, as they can help you navigate the enrollment process and complete the necessary paperwork.
  • No additional cost: License agents will not charge you directly for their services. They will usually receive a commission directly from the insurance provider should you enroll in a plan.

Do I need to work with a Medigap Agent?

You may choose to enroll in a Medigap policy directly with an insurance company without the need to work with a Medigap agent. You will pay the same amount for a Medigap policy whether you use a licensed agent or not.

Verifying the credentials of a local Medigap agent and ensuring their authorization to sell insurance in your state is key before choosing to work with them. You may also want to consider their experience, reputation, and customer reviews to help you make your decision. You can verify a Medigap agent’s license by contacting your state’s Department of Insurance. Each state has a Department of Insurance that regulates insurance companies and agents, and they usually have a website where you can search for licensed agents.

To verify an agent’s license, follow these steps:

  1. Go to your state’s Department of Insurance website.
  2. Look for a “Licensee Search” or “Producer Search” tool on the website. This tool allows you to search for licensed insurance agents in your state.
  3. Enter the agent’s name or license number into the search tool.
  4. Confirm that the agent is in good standing with the state by reviewing the search results to ensure they have permission to operate.

If you have any concerns about an agent’s credentials or behavior, you can also file a complaint with your state’s Department of Insurance. The Department of Insurance investigates complaints and takes action against agents who violate state laws or regulations.

Do I have to meet with a Medigap agent in person? 

No. Most people nowadays fill out their Medigap applications online or over the phone. There is typically no paperwork to fill out in person so finding a good agent can be more important than finding an agent nearby. 

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Should you work with a licensed Medigap agent?

We say YES! Medicoverage Inc powers Senior65.com, so we have a bias. Since 2004, Medicoverage Inc has been a licensed independent agency. Check out our license information here. We are appointed at American’s top insurance providers such as Aetna, Blue Cross, Blue Shield, Cigna, Humana, and Mutual of Omaha to name a few.

There is no hidden fee or charge for our services so we would love to work with you. We know that since Medigap is regulated everyone sells the same policy at the exact same price so we can only differentiate our company based on our service and expertise. We are proud of our company and hope you will give us a chance to earn your business. Don’t take our word for it, read what our customers have to say. Call us at 800-930-7956.