10 Questions to Ask Your Medicare Agent

Choosing a Medicare agent is about more than finding someone who sells plans—it’s about finding someone you can trust to guide you through one of the most important healthcare decisions of your life.

Here are 10 key questions to ask before you commit:

1. Are you licensed in my state?

Licensing is required to sell Medicare plans. Make sure they are authorized where you live.

2. How many insurance companies do you represent?

Independent agents can compare multiple carriers. Captive agents only sell for one company.

3. Do you specialize in Medicare, or do you sell other types of insurance too?

Agents who focus on Medicare tend to know the rules, deadlines, and plan options in greater detail.

4. Which plan types do you work with?

Confirm they can explain Medicare Advantage, Medigap, and Part D, and help you compare them.

5. How do you get paid?

Legitimate Medicare agents are paid by insurance companies, not by you. Their guidance should be free.

6. Will you check if my doctors and prescriptions are covered?

This is one of the most important services an agent provides—making sure your providers and medications fit into the plan.

7. Can you explain the long-term costs of this plan?

Look beyond premiums. Ask about copays, deductibles, and the maximum out-of-pocket limit.

8. What happens if my needs change in the future?

A good agent will explain enrollment periods and how to switch plans if your situation changes.

9. Will you review my plan with me every year?

The best agents provide annual reviews to make sure your coverage still fits your needs and budget.

10. What’s the best way to reach you if I have questions later?

Ongoing support matters. Make sure they are responsive by phone, email, or in-person when you need help.

Bottom Line

A trustworthy Medicare agent will welcome your questions and answer them clearly. Use this checklist to guide the conversation and make sure you’re getting advice that puts your health and budget first.