How do I choose a Medicare agent to help me?

Medicare can be complicated, and a good agent makes it simpler, so it's worth knowing what to look for. Start by confirming the agent is licensed in your state. On Medicare Agent Scout you can look for the verified license badge. It also helps to understand whether an agent is independent or captive. An independent agent represents several insurance carriers and can compare across them, while a captive agent represents only one company. Independents can show you a wider range of options, though it's fair to keep in mind that no agent offers every plan in your area. How an agent is paid is worth understanding too. Agents are paid by the insurance carriers, so their help costs you nothing, and you pay the same premium whether you use an agent or enroll directly. Beyond the basics, pay attention to their approach. A trustworthy agent asks about your doctors, prescriptions, and budget, explains the trade-offs in plain language, and lets you decide without pressure. Local knowledge and a willingness to follow up after enrollment are real pluses, and it's perfectly reasonable to ask how many carriers they represent and whether they'll review your plan each year. You can always also use Medicare.gov, 1-800-MEDICARE, or your local SHIP to see all of your options. And on Medicare Agent Scout, you choose which licensed agent to contact, and your information isn't sold to a stack of agents.

— Matt Rolph, Los Angeles, CAVerified