Choosing a Medicare Insurance Advisor
The Medicare Insurance Process is certainly complex! Choosing a Medicare Insurance Advisor is a fun part of that process. There are some things to consider when choosing an advisor.
Do you want an advisor that works for the insurance company? Do you want an advisor who is independent? Do you want an advisor who focuses on insurance other than Medicare Insurance? Do you want an experienced advisor? These questions are answered, here today.
Mesa Benefits makes the Medicare Insurance Process EZ as Pie. We take the entire system and break it down into easy to understand slices of pie. We’ll go through the different types of Medicare Insurance Advisors available as our slices of the Medicare Pie.
Let’s dig in, shall we?
Do you want an advisor that works for the insurance company? An advisor who works for the insurance company is a captive agent. The advisor’s scope of information is relative to the insurance company’s products that they represent. If the agent works for ABC Insurance company, they will be very knowledgeable about ABC Insurance company’s offerings. They will not have a reference point for the other insurance company’s offerings which means that your interaction with them will be limited to that insurance company’s products.
Do you want an independent advisor? This is the type of advisors that we are at Mesa Benefits. We are independent insurance brokers with contracts with multiple insurance companies. The differentiating factor for advisors like us versus an advisor that works for the insurance company is a difference in bias. While both advisors want you to be their client, the captive agent wants you to also be a client of the insurance company they work for. An independent advisor wants you to be their client, but is willing to shop your needs against the offerings of multiple insurance companies to get the best fit for you. You become the most important factor in the equation with an independent agent.
Let’s shift gears to an agent that offers multiple types of insurance in their brokerage. There are pros and cons to using the agent that also covers your car insurance for your Medicare Insurance. The convenience of having a one-stop-shop for all of your insurance needs is attractive. Some questions to ask the agent is whether they are an independent or captive broker. If they are independent, you have the comfort of knowing that they offer all types of Medicare Insurance. If they are captive, you run the same risk of the company’s offerings being the only ones available.
Experience matters when choosing a Medicare Insurance Advisor. We, at Mesa Benefits have been in the Insurance filed for over 10 years. We believe that helping people through the initial process is important as well as making sure that service is a priority for the lifecycle of the insurance policy.
We would be honored if you chose us as your advisor. We are here and ready to help. Give us a call at 970-549-0410 or book an appointment at mesabenefits.com.