Ask a Humana Medicare Agent

These activities may include marketing, technology, training, and compliance; the agencies serve as an intermediary between agents and insurers. Enrollees are unprepared for trade-offs related to benefit selection (i.e., traditional Medicare + Medicare Supplement + Part D vs. Medicare Advantage + Part D). Onboarding into Medicare requires beneficiaries to make decisions that result in trade-offs they are not likely to fully understand.

The process works for both resident and non-resident licenses. Just as with selling other types of insurance, you'll generally need a health insurance license to sell Medicare plans. Specific requirements for licensure vary by state, but you'll need a resident license for your own state and non-resident licenses for any other states in which you plan to sell.

We secure the confidentiality of SSNs through various means, including physical, technical, and administrative safeguards that are designed to protect against unauthorized access. It is our policy to limit access to SSNs to that which is lawful, and to prohibit unlawful disclosure of SSNs. We may send electronic newsletters, notification of account status, and other communications, such as marketing communications, on a periodic basis to various individuals and organizations. We may also send email communications regarding topics such as general health benefits, website updates, health conditions, and general health topics. We offer you appropriate consent mechanisms, such as opt-out, for marketing and certain other communications.

An agent is basically a guide to health insurance for people with Medicare. If you’re ready to become a successful independent insurance agent and build a strong residual income, you DO NOT have to do it alone. In a short conversation, Ann was able to learn more about Pam’s health goals and budget. 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. A friend suggested that Pam work with a Medicare insurance agent .

Over time, Medicare has evolved to provide more customer choice around plans. For savvy beneficiaries as well as those with uncomplicated medical needs, this may be ideal. However, it may leave others behind, particularly those with fewer resources, less education, and complex medical needs, likely having a negative impact on health equity. These results indicate that much of the online information available to beneficiaries is owned by organizations with commercial interests. This raises important questions about the extent to which consumers are aware of the sources, potential limitations in the information, and any potential conflicts or biases that may be inherent in the source.

We recognize the privacy of your personal information is important. The purpose of this policy is to let you know how we handle the information collected through the use of this website. Portions of this website may describe privacy practices applicable to specific types of information or to medicare agent information provided on specific web pages. You can choose from many different options from your insurance CE provider and they will guide you through the requirements for your resident state. AGA Medicare Options is one of the largest Medicare focused insurance agencies in the country.

That means the policy that your friend or relative living nearby has may not be available to you. Plus, it’s illegal to offer gifts in exchange for Medicare enrollments. If you enter into any other agreement with the Company, for example regarding health plan coverage, then these Terms are in addition to the terms of such other agreement.

When you’re first learning about Medicare options, the internet is a great place to start. You may want to ask family members and friends who have Medicare if they like their Medicare plans. Additionally, there are community resources to help you understand your options. If you find that you would like personal guidance to choose what’s best for your needs, an insurance agent may be helpful.

You should receive your card 4 months in advance of your eligibility to enroll. If you’re on Medicaid, it helps to know what level of Medicaid you have. If you don’t know, we have resources that can help determine your level of eligibility. Not connected with or endorsed by the U.S. government or the federal Medicare program.

First, this analysis does not include administrative overrides and other payments. Further, it does not consider variation based on geography and markets, specific relationships with agencies, contracts with insurance carriers, and in the case of Medigap, the premiums of the products marketed. Unlike enrollment commissions, administrative payments are not set by any governing or regulatory body; instead, they are set by insurers in negotiation with each independent agency. Agents’ compensation for Medicare Advantage , Medicare Part D, and Medigap is tied to enrollment and retention of beneficiaries and is paid by insurers. Maximum commissions for MA and Part D are set annually by the Centers for Medicare and Medicaid Services and are commensurate with fair market value . Within the maximums set by CMS, insurers determine the exact compensation level they will pay agents, which can vary by product or contract.