We are often asked “who we represent,” meaning with what insurance company are we affiliated. Help My Medicare does not represent any insurance company. We aren’t agents. We don’t want to be. By not selling you a Medicare Advantage, Medigap or Part D Drug plan, we can offer completely unbiased guidance on what is best for you. No one is lining our pockets except you because we are fee-based not commission-based.
Sure, you can get free advice and help from lots of companies out there who know a lot about Medicare. Some people like the one-stop-shop approach when it comes to getting enrolled. We don’t blame you! Making all these decisions can be a huge hassle! In fact, you’re probably a little perturbed right now that you are reading this in your quest to get some answers for your own enrollment!
But when you work with one of those Other Companies, you may have this niggling thought “Are they telling me I should get that plan because it’s really the best plan for me or because they get a bigger commission from that one than from another company?” Don’t get us wrong – we have nothing against insurance agents. Some of our best friends are agents! They have mortgages to pay, too. In fact, unless you want to do all the legwork yourself (which is a HUGE investment of time) you are better off using an independent agent to source either your Medigap supplement or your Medicare Advantage plan.
Independent agents see the whole top of the table when it comes to the companies you can choose. They know who is stable and who isn’t. They know (or should know) who has a reputation for really good customer service. They can definitely guide you on price. We work with an agent we trust implicitly because our clients need insurance to complete their Medicare enrollment. But we do not receive any kick back or compensation for recommending our agent to you. Plus, you are free to choose anyone you want for this kind of help. We just find that most people do not already have someone they work with and appreciate a referral.
When it comes to getting your Part D drug plan, we are your go-to source. Again – we don’t get any commissions, so the plan we recommend to you based on your location, medications and other factors is unbiased. Who do we represent? YOU! What’s in your best interest is in our best interest. And that’s better for you!