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.
