What are independent Medicare insurance agents?
Medicare insurance agents are typically classified as either “captive” or “independent.” Captive agents generally work for only one insurance company and are restricted to selling that company’s products. Because of this, captive agents cannot offer the customer the best or even a good plan in some cases. Independent Medicare insurance agents, on the other hand, are agents who represent more than one carrier and often dozens of carriers. As a result, the independent agent is able to offer their clients many more options.
Do I have to pay an independent Medicare agent for advice?
No. Independent agents are paid by the insurance companies themselves. Consequently, we offer our advisory services at no charge to the client. You have nothing to lose by talking to a qualified Medicare advisor.
Are independent Medicare insurance agents paid more to push one carrier or plan over another?
The vast majority of carriers pay independent agents a commission based on a rate set by the Centers for Medicaid & Medicare Services, a division of the Federal Department of Health and Human Services. As a result, the commissions are the same or within a few dollars of each other, regardless of the carrier. This reduces or eliminates any incentive for the agent to pressure you into a particular plan.
Is the Crocker Life team independent?
Yes. As independent agents, we represent more than 20 different carriers so that we have a much greater chance of matching you with the plan that will work best for you. Call or write us today for a quote.
How many different Medicare carriers does Crocker Life & Health represent?
We represent more than 20 different companies, including but not limited to:
Aetna
BlueCross/BlueShield of South Carolina
Cigna HealthSpring
CSI Life
CSI
EON
Humana
Lumico
Mutual of Omaha
New Era/Philadelphia American
Thrivent
TransAmerica Life
UnitedHealthCare
Wellcare
Western United Life
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