Ask a Humana Medicare Agent

Most of the time, you'll never even need to reach out to carrier reps. Instead, you'll have access to a wide variety of training sessions made available each week to broaden your knowledge of how to sell Medicare. 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. Before you offer a plan, identify its premium and how that compares to your clients' price points. Then, compare it to similar plans, especially if you're new to the business and don't have existing clients with real-life budgets.

Once you've started selling, you'll need to recertify with each carrier annually. Doing so ensures that you stay up to date on Medicare regulations and the yearly shifts in each carrier's offerings. In 2021, for example, the Centers for Medicare and Medicaid Services introduced newly mandated cost-sharing for prescription drug payments, and those changes will become active in 2022.

Results varied widely between tools and plan types, but all of the agent tools excluded some of the plans available in the area. Furthermore, only one of these sites offered Medigap plans, and it included less than one-fifth (18%) of the Medigap options available across the five counties. Choosing medicare agent benefit structure, for example, 1) traditional Medicare combined with a Part D prescription drug plan and Medicare Supplement plan versus 2) a Medicare Advantage private plan. A big part of my job is helping someone understand the different parts of Medicare and how they all work together.

But you won’t learn about plans from other Medicare insurance companies. However, the commissions agents and brokers receive for different plans vary by company and arrangement. For instance, the commission can be a flat fee or a percentage of the premium. Regardless, you don’t pay for the agent’s or broker’s service directly. Navigating Original Medicare, Medicare Supplement Insurance plans, or Medicare Advantage plans can be overwhelming.

Our fact-checking process starts with vetting all sources to ensure they are authoritative and relevant. Then we verify the facts with original reports published by those sources, or we confirm the facts with qualified experts. For full transparency, we clearly identify our sources in a list at the bottom of each page. Estimate how long you'll live and explore retirement options for a long life.

Undergo product and sales training from contracted carriers. 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.

Any information provided is limited to those plans offered in your area. Please contact Medicare.gov or MEDICARE to get information on all of your options. Download your free PDF and get help with understanding enrollment periods, penalties and Medicare's "alphabet soup" of coverage.

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