Working with a Medicare agent: what to expect

It doesn't cost you anything

Agents are paid by the insurance companies whose plans they sell. Plan prices are the same whether you enroll through an agent, the insurer or Medicare.gov.

Agents don't sell every plan

Each agent works with certain companies. They're required to tell you how many organizations and products they represent in your area, and that you can get information on all your options from Medicare.gov or 1-800-MEDICARE. Ask which companies they work with.

What to have ready

• Your Medicare card, if you have one
• A list of your doctors, pharmacies and prescriptions (with doses)
• Any coverage you have now, like an employer or retiree plan

Red flags

• Someone says they're "from Medicare." Medicare doesn't call to sell plans.
• Pressure to sign up on the first call, or gifts worth more than a small amount.
• More warning signs: Medicare scams and how to spot them.
• Asking for your Medicare number before you've decided to enroll.

You can check any agent's license with your state's insurance department. For free, unbiased counseling, contact your State Health Insurance Assistance Program (SHIP). Ready to talk to someone? Get started.