Why Use a Licensed Agent?
Licensed Medicare agents are professionals who specialize in helping beneficiaries find the right coverage. Their services are completely free — they’re compensated by insurance companies, not by you.
What an Agent Can Do for You
- Compare plans: Show you all available options in your county side by side
- Check your doctors: Verify that your preferred providers are in a plan’s network
- Review your medications: Make sure your drugs are covered and find the lowest-cost tier
- Estimate your costs: Calculate your total annual expenses under different plans
- Handle enrollment: Complete the enrollment process for you
- Ongoing support: Help with claims issues, plan changes, and annual reviews
Connect with a California Agent Now
Enter your zip code to find licensed Medicare agents serving your area.
Agent vs. HICAP Counselor
| Licensed Agent | HICAP Counselor | |
|---|---|---|
| Cost to you | Free | Free |
| Can enroll you in a plan | Yes | No |
| Represents specific plans | Yes | No (unbiased) |
| Ongoing service | Yes | Limited |
| Availability | Year-round | May have wait times |
Both are valuable resources. Many Californians consult HICAP for unbiased information and then work with an agent for enrollment.
Is it really free to use a Medicare agent?
Yes. Licensed Medicare agents are paid by insurance companies, not by you. There is no cost or obligation for their help.
Will an agent push me toward a specific plan?
Good agents present all available options and help you find the best fit. They're required to follow CMS marketing guidelines and act in your best interest.