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How Do Medicare Agents Get Paid?

When we explain to our clients that our service is 100% free and they never have to pay extra to for our help, we often are asked: “well nobody works for free…how do you get paid?”

How Medicare Brokers Get Paid

This is a really important thing to understand. Knowing how someone gets paid gives you an idea of whether you can trust their recommendation or not. For example, when you see a TV commercial from one of the big insurance companies telling you about how their plans are #1….can you really trust them? It doesn’t take much digging to realize that OF COURSE they’re going to tell you they have the best plans, thats all they have to offer!

HELPFUL TIP: All insurance companies will tell you they are the best!
The only way to get an unbiased recommendation on which plan will work for you is to have an advisor who represents many, many different companies.

Here at The Medicare Family, if we help you identify a good plan and then enroll you in that plan, we are paid a small commission directly from the insurance company. It’s built into the plan’s monthly premium, so you’ll pay the same whether you get our help or not.

That means you get our 30+ years of experience and 5-star rated team for free! So why not see if we can help you find better coverage?

Medicare Doesn’t Have To Be So Hard…

Schedule your FREE appointment to have our team answer your questions and make Medicare easy.

Benefits of Working with a Medicare Broker

There are several significant benefits of working with a Medicare broker instead of working with an insurance company directly:

  • Expert Advice – Working with an insurance company means calling into their internal call center. You aren’t getting the most experienced advisors.
  • Free Service – Medicare brokers don’t cost you a thing. 
  • Compare Multiple Companies at Once – Instead of calling each insurance company individually and having them ALL explain how they are the best, your broker should be able to compare them all side-by-side.
  • Ongoing Support – You’ll have one person to go to for help instead of an ever revolving person at a major insurance company who answers the phone each time you call in.
  • Much Better Support – Brokers should have a file with all of your details and notes, to be able to offer you much better customer support than you can get through an insurance company directly.

Why Work with The Medicare Family

Ok, so now that you know why it’s a no-brainer to work with a Medicare broker, lets talk about what you should choose The Medicare Family over any other Medicare insurance broker.

Here are the top 3 reasons to choose The Medicare Family:

  1. We are really, really good.
    • Our family has been doing this for 30+ years. We are industry leaders and an authority in the Medicare industry. Chances are that we’ve seen your situation hundreds of times and can help you through it.
  2. We do business the right way.
    • We go through extensive training each year to be able to offer 30+ of the top insurance companies in the nation. This allows us to give you unbiased recommendations. 
  3. We’re here to support you for life.
    • When you call into a TV commercial or answer one of the robo dial calls, the chances that you’ll get any support beyond your initial enrollment are slim to none. You’ll be left to fend for yourself. We developed an entire client care team to make sure that you always have someone to turn to for help.


Can I Save Money By Calling The Insurance Company Directly?

Nope! You pay the same whether you work with an independent Medicare broker (like The Medicare Family) or if you call the insurance company directly.

How Do Medicare Agents Get Paid?

Insurance companies pay brokers a commission when they enroll someone into an insurance plan.

Do Medicare Agents Get Paid More For Certain Plans?

Yes. Medicare Supplement companies have different commission rates for agents which increase based on how much production an agent or agency has.

Medicare Advantage commissions were standardized by the Federal Government several years ago, so one company cannot pay more than another.

What Pays Agents More: Medigap or Advantage plans?

It depends. When you are new to Medicare, Advantage plans pay agents significantly more than Medigap plans (nearly double). After that, Medigap pays more on average, but its pretty close.


Overall, there is not a significant difference between the two, but be cautious of agents who PUSH Medicare Advantage when you’re new to Medicare. They may be doing so for their interests, not yours.

Are There Any Downsides To Working With An Agent?

Honestly, there are not any downsides to working with a good Medicare agent. You pay the same amount for your plan and you get the benefit of having an advisor who can give you professional advice you can’t and won’t get from the insurance company. 


Overall, being a Medicare insurance broker is a fantastic career because we can help you through the Medicare maze and you don’t even have to pay us for it! We’d be honored if you choose to work with us. To get started, schedule an appointment or give us a call.

Sylvia Gordon, aka Medicare Mama®, is an expert on all things Medicare and Social Security. She is the 2nd Generation here at The Medicare Family and has served on the advisory boards of major insurance companies like UnitedHealthcare®, Cigna, and Anthem. In her free time, she can be found taking care of her animals (dogs, goats, peacocks, chickens), and reading a good book. Learn More.
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About Us

For 40 years, our family has been helping seniors understand their Medicare benefits and find the best plan for their unique situation – the best part? Our service is always 100% free to you!

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