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Frequently Asked Questions

You are not the first one to have questions, we have tried to answer the most common questions we hear from folks below.

Are you in my state?

We are currently licensed in 30 states throughout the country. For the states we are not licensed in, we have great referral partners we have been using for years. 

How do I get a quote?

The best way to get a quote is by contacting one of our agents by phone. This way an agent can give you the best quote for your specific situation. You also can fill out the “Contact Us” form at the bottom of this page or send us an email at info@medicarejoe.org.

How do you get paid?

Our service is completely FREE to you. We get paid directly from the carriers. Our commission is standard no matter which carrier you choose. This allows us to give you an unbiased opinion.

How is it possible to get the same plan at a lower cost?

All Medicare supplements are standardized based on the Plan Letter. This means that if you have a Plan F with one company it is the same Plan F with another company. The cost can differ between the companies for the exact same coverage. Typically, folks can get a much lower price for the same plan if they are in fairly good health.

Do I have to answer health questions?

If you are looking to change Medicare supplement plans, you typically have to answer basic health questions to qualify for the new Medicare Supplement. There are certain circumstances when you don’t need to answer health questions and that is during your initial enrollment period or if you have a qualifying event. 

Independent vs Captive Agent

Independent agents are able to sell MANY different insurance companies. This essentially allows an agent to give their client an unbiased opinion. Captive agents work for one insurance carrier. They are “captive” to that company and therefore can only sell that ONE company. 

Ready to Talk? Call 888-676-3633

Or Fill Out the Form Below and We Will Contact You

Testimonials from Clients that have worked with
Medicare Joe and Our Team

I watched the Facebook ad and then website for Medicare Joe. I was skeptical about the whole idea of working with someone that I didn't know. However, Ryan has been awesome! He explained the webinar to me again to make sure I understood my options, talked me through the pros and cons and we made a good decision for me based on my needs. He is responsive to emails and phone calls. There is no pressure to purchase anything. You decide what you want and need based on your personal health history and life expectancy. I would recommend working with this company to at least learn about the options that can be so misleading in the fine print that you receive from insurance companies. I am in my first month of medicare and services have been good with my current providers. Thanks, Ryan.
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OJDDA O. Avatar
OJDDA O.
3/17/2025
Like the realization of turning 65 isn't bad enough on it's own, having to navigate through all the marketing campaigns and endless info being pushed at you regarding Medicare can be a daunting task. It's one thing you don't want to make a mistake on. I saw an post from Medicare joe, and I really resonated with his presentation so I booked a call with his team. The call was scheduled with Mark Marino and I have to say he was extremely knowledgeable and thorough, answered all my questions and didn't pressure me at all. I even reached out to him several times after that with more questions which he answered to my satisfaction. I was overall very pleased with the help I received with choosing my plan. I now understand how the whole thing works and feel good that they are only a phone call away any time I have questions or need advise. A big thank you to Mark and Joe for a job well done. Nobody should hesitate to reach out to them for help with choosing your plan. They get 5 stars from me.
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The R. Avatar
The R.
3/17/2025
Outstanding, professional, and patient. Great personality.
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Yana C. Avatar
Yana C.
3/10/2025
I highly recommend Medicare Joe. Easy to follow videos assisted us in understanding Medicare and the process of signing up. The follow up from staff is impeccable ensuring we met all deadlines. Thanks
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Bessie C. Avatar
Bessie C.
3/10/2025
Mark was very helpful and very easy to work with. I appreciate all his help. Thanks Mark!
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Delma B. Avatar
Delma B.
3/10/2025
Great experience with my advisor Samuel. He was very helpful with guiding me through each Medicare part.Made the process much easier then figuring everything out on my own. Would definitely recommend to anyone who is beginning to start the Medicare process.
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Pat L. Avatar
Pat L.
3/10/2025
Very helpful, I had been feeling overwhelmed. The only problem was, (when I received the contract), there was an error made the address was wrong. I also made an appointment with Joe regarding my retirement accounts, he never called! I'll have to find help for that elsewhere.
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Sally M. Avatar
Sally M.
3/10/2025
Enjoyed the experience. Professional knowledgeable. I would recommend Medicare Joe if you are looking for help in understand your Medicare insurance.
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Pam B. Avatar
Pam B.
3/10/2025
I worked with agent Mark Marino who was very professional, knowledgeable, and understanding. He took a lot of time to explain options to me & was very helpful. I highly recommend!
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Margaret N. Avatar
Margaret N.
3/10/2025
The customer service was awesome. He demonstrated knowledge contrast and comparison of plans patience, and respect.
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Teresa J. Avatar
Teresa J.
3/10/2025
I have already given 2 people I know information about Medicare Joe. They will be retiring soon and are looking information. The online seminar was easy to follow and no pressure was given to call them afterwards. They helped me to understand the process and answered all of my questions. I highly recommend them.
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Eva H. Avatar
Eva H.
3/10/2025
I was referred by a coworker who said they are very helpful and thorough. I made the appointment. I was provided with very useful information, videos to better my understanding, and followup texts. I was able to navigate the process because every step was patiently explained and I got the help I needed. Medicare Joe made it easy.
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Sharon B. Avatar
Sharon B.
3/10/2025
Ryan at Medicare Joe made this an easy and understandable process. Highly recommend them.
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Steed R. Avatar
Steed R.
3/10/2025
Medicare Joe made this difficult decision understandable. The overwhelming amount of calls and emails you receive when you are eligible for Medicare are mind numbing. Medicare Joe was extremely helpful.
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Myra B. Avatar
Myra B.
3/10/2025
It went fairly well. Keli was wonderful! The only problem for me was the lack of knowledge concerning transitioning from FEHB Insurance plans to Medicare. Thank you.
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Denise W. Avatar
Denise W.
3/10/2025
I just turned 64 and had so many questions about the whole process of enrolling in Medicare. When do I enroll? What coverage is best for me? Will I have enough coverage? I wanted to get a jump on all these questions early so that when the time came, I would be ready and all I had to do was enroll and get it going. Keila Grande was wonderful in answering all those questions and some I didnt even know I had. I recommend Medicare Joe to anyone with uncertainty in this process. They are knowledgeable and will guide you through this whole process.
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Clara M. Avatar
Clara M.
3/10/2025
After countless contacts by literally 50 different independent Medicare and Retirement Advisors I settled on 3 or 4 to investigate further. After detailed review I finally became most comfortable with Ryan Wojcik at Medicare Joe. His knowledge and experience showed through and his personal style made it clear he was a perfect fit for me. My biggest mistake was not following through as fast as possible as I kept forgetting all the steps and having to relearn what I needed to know. Not only was Ryan patient with repeating so many things but he had taken excellent notes and provided me the best solution in record time. Thank you Ryan!
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Tim M. Avatar
Tim M.
3/10/2025
Everyone was professional, knowledgeable and caring from the start to follow up to find the right plan for my needs!!
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Diane P. Avatar
Diane P.
3/10/2025
Two separate Medicare Joe agents helped me through the process of applying. Both were wonderfully helpful They listened to my custom situation and helped me select products that worked best for me. The introductory video was really comprehensive and easy to understand. I was glad to know their company does business with multiple different agencies for medigap, so we could compare & I could choose a plan that works for me.
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Paula T. Avatar
Paula T.
3/10/2025
Very thorough, reviewed my situation and advised the best plan for me at this time. Ryan was terrific!
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Tim R. Avatar
Tim R.
3/10/2025
Medicare Joe was extremely helpful and knowledgeable, following up every step of the way to ensure I was comfortable and confident during the entire process. I highly recommend.
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Patrick C. Avatar
Patrick C.
3/10/2025
It was extremely helpful to have Medicare Joe take care of enrolling me in Medicare and choosing my supplement. I don't think I could have navigated it alone and received information on all options available. Thank you Keila for your help and knowing I can contact you with any questions.
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Daniela p. Avatar
Daniela p.
3/10/2025
Amazing job!
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Margo B. Avatar
Margo B.
3/10/2025
Saw several videos from Medicare Joe and decided to seek help from them. A stellar experience from their rep, Ryan!!! He not only explained things in a clear, concise manner, he walked me through the directions that would save money. It was obvious he was took my personal considerations into account - not just an attempt to "sell" me the highest level product out there, telling me the services I just did not need. Was also available to talk with after the sale further clarifying everything. Absolutely recommend this company and this rep!
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Susan G. Avatar
Susan G.
3/10/2025
Keila Grande did an awesome job! Simplifying the Medicare process by submitting my application for me & by reducing my anxiety 100%.
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Sheri C. Avatar
Sheri C.
3/10/2025
Navigating all the options related to Medicare is overwhelming to say the least. My representative from Medicare Joe broke it down and gave me no nonsense explanations. He knew the right questions to ask me and listened very carefully to help me find the best solution for my needs. He started early and guided me every step of the way setting things up to make a smooth transition and give me peace of mind. I highly recommend this company..
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Gail R. Avatar
Gail R.
3/10/2025
Keila Grande was absolutely wonderful. She listened to me and was always available whenever I had questions or concerns. Medicare is complicated, but she did everything possible to make it as easy as possible. It felt like I had someone who really looked out for me. I already told her to reach out to my husband,and she put him on the schedule for next year.
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Cynthia B. Avatar
Cynthia B.
3/03/2025
Great experience! And helped me understand everything I needed to know at this time about Medicare and more. Live this girl, she’s great!
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Margo B. Avatar
Margo B.
3/03/2025
Mark @MedicareJoe Contacted me and kept me on the timeline for each part. Gave guidance for everything and told me what options were available. Included videos ahead of time.
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Cynthia R. Avatar
Cynthia R.
3/03/2025
Ryan is knowledgeable and Patient well done
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Master K. Avatar
Master K.
3/03/2025

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