What working with an independent Medicare broker looks like
No jargon, no sales scripts, no cost to you. Here's the whole process, start to finish — including exactly how I get paid.
1We start with a short call
We spend about 15 minutes on the phone or a video call. I'll ask about the things that actually determine which coverage fits: which doctors and hospitals you want to keep, what prescriptions you take, what you're comfortable spending monthly, whether you travel, and when your coverage needs to start.
You don't need to prepare anything, and you won't be asked to commit to anything. If you're not sure Medicare is even your next step — say you're still working at 65 — that's a great question for this call too.
2I do the research and show you a comparison
I look at the plans available in your county from the carriers I'm contracted with — checking your doctors against networks and running your prescriptions through each plan's drug list. Then we get back on a call and I walk you through a side-by-side comparison in plain English: what you'd pay, what's covered, and where the trade-offs are.
If something doesn't fit, I'll say so. You can take as much time as you want with this step — there's no clock running.
3You decide, I handle the paperwork — and stay in your corner
When you've picked a plan, I complete the enrollment with you by phone or video and confirm everything went through. After that, I'm your point of contact all year: questions about a bill, a pharmacy issue, a new prescription — call me first.
Each fall, we can do a quick review before the Annual Enrollment Period (October 15 – December 7) to make sure your plan still fits, because plans change and so does life.
How I get paid — full transparency
When you enroll in a plan through me, the insurance carrier pays me a commission. Here's the part most people don't know: your premium is exactly the same whether you use a broker or enroll directly with the carrier. The price is filed with regulators — there's no markup for using a broker and no discount for skipping one.
Because I'm independent and contracted with multiple carriers, I'm not steered toward any one company's products. My incentive is simple: clients who feel well taken care of stay with me for years and refer their friends.
What I'll never do
- Pressure you. Consultations are free with no obligation. "Let me think about it" is always a fine answer.
- Charge you a fee. My help costs you nothing — before, during, or after enrollment.
- Enroll you in something you don't understand. We go over every plan's costs and rules until it's genuinely clear.
- Disappear after you enroll. Service after the sale is the whole point of having a broker.
Ready for step one?
The first call takes about 15 minutes, costs nothing, and commits you to nothing. Bring your questions — I'll bring straight answers.