Reasons to Work With A Medicare Agent

Reasons to Work With A Medicare Agent text overlaying image of elderly couple speaking with an agent You can technically enroll in Medicare and Medicare products on your own. You can do all your own research on Medicare, Medicare Advantage, and Medicare Supplement Plans. Or you can look into all of the providers available. You can even search for quotes for these plans on your own. However, is this the best way to enroll in Medicare? We don’t think so. The issue with doing your own research is that you may not find all of the information you need. Due to years of experience, a Medicare Agent will have more information for you, including things not commonly found on the internet.


Contrary to popular belief, you don’t pay your Medicare agent. Since the insurance companies pay your agent for their services, you never pay them a dime. Your premium will also not increase just because you used an agent. So using an agent is free and absolutely no hidden fees. They are there to give you all the information you need and help you find the best options for you.

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What Is A Medicare Agent

Before we dive into why you should use an agent, let’s look at what they actually do. A Medicare agent is a licensed expert who assists you in reviewing and evaluating Medicare plans and their benefits, as well as assisting you in selecting and enrolling in the best plan. There are two types of Medicare agents. The first is an independent agent. This type of agent works with numerous insurance providers and can enroll you in any of their plans. The second type is a captive agent. These agents work with one specific insurance company. EZ’s agents are independent so we can provide you with plans from all providers.

Benefits of Medicare Agent

We know it’s hard to trust that you’ll be in good hands. So, we’ve made a list of reasons a Medicare agent could be beneficial to you. Since EZ’s agents are independent we’ve based this list on the benefits of working with independent agents.

1. Expert Knowledge

Simply put, Medicare can be confusing. You can spend countless hours reading about Medicare and its products and you could get a fairly solid understanding of how it operates. However, our Medicare agents continuously educate themselves and are familiar with Medicare’s rules and regulations, which changes frequently. A simple mistake, such as missing your Initial Enrollment Period (IEP), could result in penalties or delays in coverage. Even selecting the wrong Medicare Supplement Plan can leave you with big gaps in your coverage. Meaning you’ve got unnecessary money coming out of your pocket for healthcare costs that you could have saved with the right plan. When it comes to Medicare, the devil is in the details. Our agents will ensure that you are educated and supported through your entire Medicare journey.

2. Help Choosing a Plan

Once you’re eligible for Medicare it’s not as simple as enrolling. You have some options to consider. For instance, you can choose to enroll in a Medicare Advantage plan instead of Original medicare. If you enroll in Medicare Advantage through a private insurer you’ll still have Medicare but your coverage comes directly from the Advantage plan rather than Original Medicare. Medicare Advantage can include additional coverages such as vision, hearing, dental and wellness programs. They also usually have prescription drug coverage under Medicare Part D.


On the other hand you can choose to stick with Original Medicare and then purchase a Medicare Supplement Plan and enroll in Part D on your own. Going this route also gives you these additional benefits but deciding which path to take depends on your specific needs. You need a thorough understanding of each path in order to choose the right one. There are so many factors to consider, like your budget, provider networks, and current prescriptions. Our licensed agents understand the pros and cons of both paths and as they get to know your circumstances, they can help you figure out which is the best one for you.

3. Help with underwriting

Underwriting is a process that private insurance companies use to figure out your health stats when you apply for health insurance, such as Medicare Advantage or Medicare Supplement. The process helps companies decide how much your premium will be. Our Medicare sales agents are very familiar with the underwriting application questions from various companies. Suppose you are interested in switching Medicare Supplement companies. We can match you with the company that is most likely to accept you –even if you have a medical condition that you think might make you ineligible. We’re here to find you coverage, no matter what.


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4. Benefit clarity

When you’re searching for coverage or deciding what choice is best for you, you’ll mainly be looking at benefits. Our agents can help you read through all the legal jargon to find out what benefits are specifically being offered and if they’re beneficial to you.

5.Access to a variety of providers

Medicare agents work for you, not the insurance company. So we won’t just offer you plans from one source, we offer you dozens of options. We can research pricing for nearly every provider in the country for any given plan. For instance, Medicare Supplement Plans are standardized, meaning the plans all have the same benefits no matter where you live or who you buy them from. So, say you like Plan G, you can compare prices from all the available providers in your area. Why pay more than necessary for the same coverage? When you work with a Medicare agent you never will. 

6. Continued service

Your relationship with your agent continues even after you enroll in Medicare. During the annual enrollment period, your agent can help you review your coverage. Then, they can help you decide if your current plan is still the best option or whether you need to make adjustments. They will then help you make those adjustments. They can also help you with any concerns or questions about your coverage no matter the time of year or how long you’ve had Medicare. Once you find an agent they are available to you the entire time you have Medicare.

7. Time saver

Working with a Medicare agent can save you a great deal of time. You won’t be stuck spending hours, days, or even months researching Medicare and looking for plans on your own. Agents can compare every plan for you quickly and efficiently. They can also answer any questions you have immediately and accurately rather than having to read through hundreds of internet searches hoping to find the answers you need and hoping the answers you find are accurate .

8. It’s free!

You don’t pay any fees to work with a Medicare agent. Using their services is completely free. You’re probably wondering, “So, how do they get paid?”. Their pay comes directly from the insurance companies. Most agents are paid commission. When they enroll you in a plan, the insurance company pays them for the first year of coverage as well as an initial sum for each year you are enrolled. Now, don’t worry, they aren’t incentivized to enroll you with a specific company. So you don’t have to worry that they’ll push you to enroll with a certain company to get more commission. They’re only motivation is getting you enrolled in the best coverage possible.

Choosing a Medicare Agent

After you provide us with some fundamental information through EZ, we will provide you with quotes and match you up with an insurance agent who is the most suitable for your circumstances. Who we match you up with depends on a variety of factors, including your location and the kind of coverage you’re looking for in a plan. We take measures to ensure that your agent is familiar with the area in which you live. This way, you won’t have to worry about being assigned an agent who lives in another part of the country and who isn’t as knowledgeable about the services provided in your area as a local agent would be. 

Why Work With EZ

EZ is able to help you with enrolling in Medicare, buying a Medicare Supplement Plan, or even just answering any questions you might have. We can also help determine which options are best for you. Our insurance agents work closely with a number of the country’s most well-known and respected insurance companies. They are able to give you a free analysis and quotes that compare all of the plans offered in your area. First our agents will talk with you about your medical needs and your budget. Then we help in finding you a plan that we can help customize to fill those needs while staying well within your budget. We can actually save you hundreds of dollars a year. If you’re ready to start, simply enter your zip code into the bar below or give us a call at 877-670-3602 and we’ll get the process started right away.

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Get Free Medicare Assistance With EZ

Making the transition from private health insurance to Medicare when you turn 65 can feel overwhelming. You might feel confused and like you just don’t know where to begin. For example, what plan should you go with? How can you save the most money? Will you have enough coverage? Unlike with employer-based insurance, which your employer researches for you, you have to do all the research into choosing a Medicare plan on your own. But it doesn’t have to be difficult, especially when you can get free assistance, guidance and services from an EZ agent. And the bonus of working with EZ? Unlike with other companies, when we say our services are completely free, we mean free – there are no hidden costs!

blood pressure machine with container in front of it with pills next to it
First, you will need to figure out what your specific needs are regarding your health.

Figuring Out Your Needs

Medicare can be confusing for people who are not familiar with it, but it can be broken down to be easier to understand. The two main parts of Original Medicare are Part A and Part B. Medicare Part A covers your hospital costs completely once you meet your deductible, and Medicare Part B covers outpatient care, including doctor visits, lab work and treatments. Unlike Part A, though, Part B only covers 80% of qualified medical expenses; that means you have to meet your Medicare Part B deductible and pay your premium, as well as a 20% coinsurance each time you use medical services. 

Now that you know what Medicare covers and what it doesn’t, you need to think about your healthcare needs. Do you need more coverage because you have a chronic health condition that requires constant observation or medications, such as diabetes or heart disease? Or do you just need preventive checkups? If you fall on the more comprehensive side (which many older adults do), you might need to look into a Medicare Supplement Plan to help cover additional costs not covered by Medicare alone. One of our highly trained agents can help you with this by going over your health history and medical needs. 

Figuring Out Your Budget

If you are retired or reaching retirement, as many Medicare beneficiaries are, you might be living on a fixed income. This means that you need to be smart with your spending and look for the best ways to save money. Before you look at your medical expenses, sit down and go over your finances and figure out your living expenses for the year, including groceries, rent/mortgage, car insurance, utility bills, medications, and any other extras. 

Once you have done this, it’s time to budget for Medicare costs and choose a Medicare Supplement Plan that works for you. There’s no need to do this alone! One of our agents can go over your needs, and will help you figure out your annual medical expenses, including the cost of your medications based on Medicare’s drug tier pricing. 

Figuring Out How To Save

stack of money rolled up with a rubber band on it
The best way to save is to buy a Medicare Supplement Plan that will help cover medical costs.

Medicare Supplement Plans can help you save hundreds of dollars each year, so you can worry less about your finances. An EZ agent will go over your medical needs and budget, and find a Medicare Supplement Plan that will save you money while filling the gaps that Medicare does not cover. There are 10 different plans to choose from, all with varying coverage and prices, and choosing one will give you peace of mind knowing that your medical expenses will be covered for the cost of a low monthly premium.

If you are interested in free assistance with navigating Medicare, an EZ agent will gladly help you at no cost. We created our business with the sole purpose of helping people get great insurance while saving money, without worrying about extra costs. We will go over your medical needs and budget, and will compare all Medicare Supplement Plans in your area for free. No hassle or obligation. To get free instant quotes, simply enter your zip code in the bar above, or to speak to one of our licensed agents, call 888-753-7207. We will make the transition to Medicare easier and cheaper!

Questions To Ask Your Medicare Agent

When it is time to enroll in Medicare, change your Medicare plan, or purchase a Medicare Supplement Plan, speaking to an agent is a great idea. But before you do, make sure you have all of your information ready and available; you should also have an understanding of exactly what your needs are and what you’re looking for so your Medicare agent can better assist you. Because the details that you give an agent will determine which plan is right for you, EZ has provided you with what information you should have prepared, as well as what questions to consider asking one of our Medicare agents. 

What You Will Need

medicare insurance card
Be prepared with your Medicare Insurance Card, a list of health conditions, and your budget.

Before speaking to your agent, be prepared to provide the following information:

  • Personal information- Your agent will ask you what zip code you live in so that they can research and compare plans in your area. 
  • Health conditions– Prepare a list of all your health conditions, concerns, and/or medical records. Providing an agent with your specific healthcare needs can help them decide what plans might be best for you, since each Medicare Supplement Plan provides different coverage options.
  • Your Medicare Card– You will need to provide your agent with your card number so they can verify coverage.
  • Your budget- If you live on a fixed income, or have a specific budget in mind, have that information ready so you can discuss it with your agent.

Questions To Ask

There are different Medicare plan routes that you can take. When enrolling in Medicare, you have the option to enroll in a Medicare Supplement Plan at the same time. There are 10 different plans to choose from that offer different coverage options at different price points. Here are some questions to ask your agent if you’re considering a Medicare Supplement Plan:

  • Popular plans– Premiums can sometimes be lower for policies that are more popular, because more people are enrolled in those plans. Ask your agent which plans are the most popular in your area so you can compare their costs and benefits with those of other plans.
  • Waiting Periods– If you enroll in Medicare when you first turn 65, and you enroll into a Medicare Supplement Plan at the same time, then you have guaranteed issue rights. This means that you won’t have to pay extra for any pre-existing health conditions. It also protects you from having to go through a waiting period. But if you are enrolling in a Medicare Supplement Plan outside of your Initial Enrollment Period, then there might be a waiting period while you undergo the Medicare underwriting process, and you may have to pay more because of  pre-existing conditions.

    triangle with time on one side, cost on the other, and quality on the bottom with a green check mark next to it
    Using EZ’s Medicare agent will save you time, money, while providing you with a quality Medicare plan for your needs.
  • When Medicare Supplement Plan Coverage Begins- When you buy your Medicare Supplement Plan determines when coverage will begin for the plan. Ask your agent for a timeline, so you are aware of when you can start using your plan.
  • Out-of-Pocket Costs– This is a very important question to ask, especially if you are living on a fixed income. Ask about the out-of-pocket costs you are responsible for so that you can prepare for what your medical costs could be for the year.

Why Use An EZ Medicare Agent

When signing up for Medicare or a Medicare Supplement Plan, you need to have the right agent by your side. EZ.Insure will offer you an agent who cares, listens, and truly has your best interest at heart. What sets us aside from other companies is that our services are completely free. Our main goal is to help you, so our trained licensed agent will do all the work for you and compare all plans to find you the best plan at the best price. We are ready to answer all of your questions and get you covered. To get started, simply enter your zip code in the bar above, or to speak to an agent call 888-753-7207.

Preparing For Medicare Open Enrollment: What You Need To Know for Your First Open Enrollment

If this was your first year as a Medicare beneficiary, then you are heading into your first Medicare Open Enrollment Period. When you enrolled in Medicare, you chose whether to stick with Original Medicare, add a Medicare Supplement Plan, or go with a Medicare Advantage Plan, and now is the time to evaluate your plan to see if it’s still working for you. You’ll have the option to stay with it, or change your plan this fall during Medicare’s Open Enrollment Period, which runs from October 15 through December 7. 

When it comes to your Medicare plan, you shouldn’t simply sit back and let your plan renew. Medicare plans come and go, and yours might not exist next year – or there might be a plan that better suits your needs. If this is your first time preparing for Medicare’s Open Enrollment, there are some things you need to review and consider. Taking a little time to do this will not only help you get the best coverage next year, but will also help put money back in your pocket.

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Any changes you make during fall Medicare Open Enrollment will not take effect until January 1st.

Changes Won’t Take Effect Immediately

Because this is your first Medicare Open Enrollment, it is important to know that whatever decisions you make during the open enrollment, it will go into effect January 1st. So, if you choose to switch plans, know that your new plan will not begin until the new year. This is important so you can budget accordingly for the rest of this year.

Your Options 

During Medicare’s Open Enrollment Period, existing Medicare beneficiaries can make changes to their plan, including:

  • Switching from Original Medicare to a Medicare Advantage Plan or vice versa.
  • Adding a Medicare Supplement Plan if you switch to Original Medicare.
  • Changing your Medicare Advantage Plan.
  • Joining a Medicare prescription drug plan or picking a new drug plan                                
yellow post it not with a red exclamation point drawn on it
Before making any changes to your Medicare plan, you will receive some important documents you need to review.

Important Documents You Need To Review

As Medicare Open Enrollment approaches, you will start receiving some notices in the mail – usually in September. These notices include:

  • Annual Notice of Change – Lists changes to your current plan, such as changes to coverage, costs, included drugs, or provider network. 
  • Evidence of Coverage – Lets you know whether your plan will be available next year. 
  • Medicare And You Book – Provides you with a list of plans in your area, including their costs and coverage rules.

Determine If Your Existing Plan Is Still A Good Match For Your Needs

The last thing that you should do is blindly accept your current plan and renew it for the coming year. This can end up costing you a lot of money out-of-pocket. You should review the above documents carefully in order to be aware of any changes that are coming to your current plan. You might find out that your current plan will not be available in your area anymore, that costs are going up drastically, or that something you need coverage for will no longer be covered. 

Review your plan, and if it no longer meets your needs, then the next step is to start searching for other options. EZ.Insure’s agents can help you compare plans in your area in minutes. 

How You Can Save

What some people are unaware of is that they can save a lot of money next year by adding a Medicare Supplement Plan if they have Original Medicare, or are switching to Original Medicare. One of the biggest advantages of Medicare Supplement Plans is that they will generally cover your Part B 20% out-of-pocket costs – all you have to do is pay a low monthly premium, and you’ll  have more coverage, and save more money. There are 10 different plans to choose from; it is important to review all the different plans to see which one will offer you the most coverage for your specific needs. 

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Trust A Medicare Agent To Help You

Going over all of the paperwork that you are receiving this month can become quite overwhelming. Not only do you have to carefully review all the notices and make sure your plan is still a good fit for you, but you have to begin researching other plans to see if they might work better for you. This is a time-consuming process, but it doesn’t have to be if you use an EZ.Insure agent. Our agents are highly trained and know the ins and outs of all the different Medicare Supplement Plans. You will be provided with your own agent who will go over your notices, review your current plan, and find a Medicare Supplement Plan that will help you save as much money as possible.

And the best thing about EZ? Our services are always free! We will research, compare, and even sign you up for free! To get your free instant quotes, simply enter your zip code in the bar above, or to speak with an agent, call 888-753-7207. No hassle, no obligation!

Beware This Faulty Medicare Tool!

The federal government designed a tool to help seniors navigate through all their possible Medicare choices. This was created for them to be able to choose their best option. There have been some bugs that needed to be fixed, so the Centers for Medicare and Medicaid Services, CMS, updated the Medicare Plan Finder tool in August. However, the tool is still currently giving seniors incorrect price estimates, and wrong coverage information.

older caucasian hands on the keyboard of a leptop
The Medicare Plan Finder Tool is a tool on the site that helps consumers navigate through Medicare plans and prices

The Medicare Finder Tool

The Medicare Plan Finder Tool is a tool on the site that helps consumers navigate through Medicare plans and prices before signing up. The tool was developed in 2005, but in August of 2019, it was revamped and redesigned. 

The Issue With The Tool

Even with the revamp, Medicare beneficiaries have been just as confused as ever. The tool has been showing inaccurate premium estimates. Incorrect prescription drug costs, and inaccurate coverage costs. If a beneficiary chooses the wrong coverage due to the inaccurate information provided, it can cost them a lot of money for the whole year they are stuck with the plan until the next open enrollment.

Per ProPublica, a Medicare consultant in Wisconsin used the tool to research prescription drug plans for a client, and was shocked by the results. The consultant stated that when she searched for them, the comparison page showed all but one of her client’s medications would be covered. So the consultant dug deeper by clicking on “plan details” to find out which medication was left out. She then saw that the plan finder said all of the medications were covered.

She started checking the plans’ websites, and came across two versions of the same high blood pressure medication. One was covered, while the other was not. The difference in price was $2,700 a month.

In Nebraska, an insurance administrator flagged about 100 errors since she began working with the tool in October. 

“Millions of people are going to be absolutely affected,” said Ann Kayrish, senior program manager for Medicare at the National Council on Aging. “And you hate to think about millions of people having the wrong plan. That’s kind of crazy.”

red sign with the words "wrong way" on it
The Medicare Tool has been giving seniors the wrong information on coverage and prices.

“It’s not like there’s one consistent problem that you can fix and then be addressed,” said David Lipschutz, associate director of the Center for Medicare Advocacy. “It’s really like a game of whack-a-mole.”

What You Can Do

CMS has spent $11 million dollars in order to revamp the tool. But the misinformation it gives is alarming, especially when seniors are struggling as it is to pay for Medicare costs and prescription drugs. Using the tool and enrolling into a plan that ends up costing a medicare beneficiary too much, they will struggle, and possibly end up with major financial issues.

The CMS is currently working on fixing the issues. In the meantime, if you are seeking Medicare advice, it would be best to contact a Medicare agent. A Medicare agent who is familiar with plans and their coverage can help guide you in a better, more accurate direction. EZ.Insure offers highly trained agents in your region that can offer you accurate quotes on plans available. If you would like to speak to an agent, call 888-753-7207 or email us at Or if you would like an instant quote, enter your zip code in the bar above.

New Medicare Scam Alert!

Just when you think that you are aware of all the scams going around and feel educated and safe, another one is created. Unfortunately, scammers never stop trying to take your money and get your information. Just recently a new scam has surfaced with the promise of a free back, neck, or knee brace. While the idea of a free brace, that may be much needed, is enticing, you may pay more than just money. Medicare does not usually cover the costs of braces, except for some cases, where it is approved and ordered by your doctor. If you want to see what is covered within your Medicare plan, then you should call Medicare, or check your explanation of benefits.

Scammers are now calling pretending to be from a hospital or medical supply company, offering free neck/back/knee braces.
Scammers are now calling pretending to be from a hospital or medical supply company, offering free neck/back/knee braces.

How It Works

These scammers call claiming to be from a local hospital or a Medicare representative from a medical supply company. They then ask you if you have any back, neck, or knee pain. Next, they state you can get a free brace called in by your doctor. If you answer yes to these questions, the scammers will ask for your Medicare information and Social Security number. Once you give them your information, they will steal hundreds to thousands of dollars from you.

If you say no to the scammers, they will call multiple times a day, harassing you until they hear a “yes”. Or the scammers will convince you to give them your personal information in order to be removed from their calling list.

What To Do

The first thing to know is that Medicare will never call you regarding any sort of brace, or any other products, or services. Scammers now have technology that changes their number to make it look like a local number or a 1-800 number. If an unknown number is calling, avoid answering it. Let it go to voicemail.

If you were approved for any sort of brace by your doctor, then make sure to call Medicare yourself and question the process. Make sure to ask them if it is covered, if they will pay for it, and when it will arrive. You can also read your Medicare Summary of Notice or Explanation of Benefits to make sure you were not charged for anything you didn’t order or didn’t receive.

A delivery may come to your door, if you did not order anything, then refuse the delivery. If you did order something, make sure it is the product before accepting it. Make sure to write down the senders name and address, so you can report it. To report suspected Medicare fraud, call 1-800-MEDICARE, or 1-800-633-4227.

Be Aware

If you receive a call about a brace, then immediately hang up. Call Medicare and report the call, and call your agent to make sure you are protected and covered.
If you receive a call about a brace, then immediately hang up. Call Medicare and report the call, and call your agent to make sure you are protected and covered.

Scammers are always looking for new ways every day to steal your information and money from you. They will never stop trying. In order to beat them at their own game, make sure that you are well informed to all the latest scams. And if you do not know, or just to be sure, never give out your information over the phone. Call Medicare directly and ask them any questions. The saying “nothing is free” is true, and if it seems too good to be true, then it probably is.

It is important to have a Medicare agent that you trust. One that you can call at any time with benefit questions, or just to make sure you are not being scammed. EZ.Insure is a trusted company that offers these exact agents. With EZ.Insure, you will receive your very own personal Medicare agent to help you with all your needs, explain your benefits, and steer you in the right direction towards saving money. Your agent will protect your information and make sure you are taken care of. To connect with one of our agents call 855-220-1144, or email Or if you would like an instant quote, just enter your zip code in the bar above.