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 am not of Medicare age, but I sent a close family friend over to Medicare Joe. She worked with Matthew. He was able to highlight the... read moreI am not of Medicare age, but I sent a close family friend over to Medicare Joe. She worked with Matthew. He was able to highlight the plans very clearly and help her make the best decision possible given her situation. I would highly recommend them for family, friends, or even yourself if you are turning 65. Thanks Matt! read less


The Medicare Joe webinar helped me understand Medicare and all the choices I had to make. After watching the webinar I made a phone appointment and was able to... read moreThe Medicare Joe webinar helped me understand Medicare and all the choices I had to make. After watching the webinar I made a phone appointment and was able to talk with Mark that walked me through each step. It was really a breeze and I feel like I made the best choices for me. read less


Joe is very knowledgeable of the Medicare plans and information. He is very patient with me and answers all of my questions to my satisfaction. When my husband is... read moreJoe is very knowledgeable of the Medicare plans and information. He is very patient with me and answers all of my questions to my satisfaction. When my husband is eligible for Medicare he will also become one of Joe's clients. Joe is the Best! read less


Medicare Joe is a truly caring, compassionate person with the qualities that matter, sincerity, professionalism, personality and kindness. I am thankful I found him (or he found me). His... read moreMedicare Joe is a truly caring, compassionate person with the qualities that matter, sincerity, professionalism, personality and kindness. I am thankful I found him (or he found me). His service has been superb over the past few years. I am saving money on both my Medicare Part D as well as my supplemental policy. I wish him the best because he deserves it. read less


So far, so good. The price increase is in line with what several other friends are experiencing and the service is quite good !


Mark Marino provided great service for me. He cold called me to ask if he could help find a better Medicare plan. I was familiar with “MedicareJoe” from... read moreMark Marino provided great service for me. He cold called me to ask if he could help find a better Medicare plan. I was familiar with “MedicareJoe” from their YouTube videos. So I took Mark up on his offer as I had just received my annual Medicare supplement notice on my former supplement carrier—a 23% increase in one year; It was the only carrier I ever had in six years of being on Medicare. Mark got me a quote on another major carrier, and cut my premium in half, saving me $1,200 per year on premiums. He went through the underwriting required with me. Within 2 days my application was approved my MOO! read less


Medicare Joe's online seminar helped make my decisions on which Medicare plan to choose so easy.As you close in on 65, you get some anxiety about getting enrolled, Joe too... read moreMedicare Joe's online seminar helped make my decisions on which Medicare plan to choose so easy.As you close in on 65, you get some anxiety about getting enrolled, Joe too that all away and now, I'm anxiety free, enrolled and protected. THANK YOU, Medicare Joe, for making it easy on me. read less



I'm new to Medicare as of 1-1-22. So I needed to choose a supplement insurance. I called United American and I ended up getting a call from Matthew... read moreI'm new to Medicare as of 1-1-22. So I needed to choose a supplement insurance. I called United American and I ended up getting a call from Matthew Lebeau. He told me he was an insurance broker, basically. His company he works for is Medicare Joe. Matt was sooo helpful, very nice. I called and left message to see if I was approved for sure due to upcoming surgery. He called back within the hour. I really appreciated that he called back so quickly. read less


Mark did a superior job in lowering my monthly premium cost by $76.00 while maintaining all Plan G services I had previously had on my prior secondary coverage. I'm... read moreMark did a superior job in lowering my monthly premium cost by $76.00 while maintaining all Plan G services I had previously had on my prior secondary coverage. I'm exceptionally pleased with his assistance! read less


Medicare Joe has done a great job for my wife and myself for Medicare Supplemental Policies. He finds the best coverage for the best price abut best of all... read moreMedicare Joe has done a great job for my wife and myself for Medicare Supplemental Policies. He finds the best coverage for the best price abut best of all he follows up to validate his service and again when it is time to review the policies for renewal. read less


Marilyn BowmanWorked with Mark Marino @Medicare Joe and highly recommend working with Mark and this company. Worked with two other companies previously, and Medicare Joe is more professional and more... read moreMarilyn BowmanWorked with Mark Marino @Medicare Joe and highly recommend working with Mark and this company. Worked with two other companies previously, and Medicare Joe is more professional and more efficient. They found a Medicare supplement plan that will save me $$ each month with the same coverage as I previously had. Also highly urge others to use the Rx tool provided by Medicare Joe's web site to select a Plan D for prescription coverage. It is easy to use and saved many hours I usually spend in finding new, lower cost plans for mysellf and my husband. read less


Having been a Medicare claims review person myself, I was well pleased with the professionalism of this business as well as the knowledge in being able to readily answer all... read moreHaving been a Medicare claims review person myself, I was well pleased with the professionalism of this business as well as the knowledge in being able to readily answer all of my questions. I felt during the whole conversation that I could trust what he was telling me to be true.I’m well pleased. read less


When I contacted Mr. Pate I had some knowledge about Medicare and Medicare Advantage. I was not sure exactly what needed to be done. After our conversation I had a... read moreWhen I contacted Mr. Pate I had some knowledge about Medicare and Medicare Advantage. I was not sure exactly what needed to be done. After our conversation I had a game plan on what to do and when it should be done. Thank you Joe for your professionalism and knowledge. read less


One of the best experiences I had with a business. Works hard to get you what you need at a affordable price. No pressure. Done business with him previously and... read moreOne of the best experiences I had with a business. Works hard to get you what you need at a affordable price. No pressure. Done business with him previously and he saved me money as well as this year. Looking forward to next year read less


What I liked was the way everything was explained to me. All of my questions were answered to my satisfaction. Thanks Joe you rock.


I understand that the entire Medicare and supplement policies can be overwhelming, but with Joseph's knowledge and suggestions, the process goes quite smoothly. Joseph Pate has been there for... read moreI understand that the entire Medicare and supplement policies can be overwhelming, but with Joseph's knowledge and suggestions, the process goes quite smoothly. Joseph Pate has been there for my husband and I for the past few years, and we couldn't be more pleased. He stays up to date with us and our medicals needs and always is looking to get us the best coverage for the best price with the most reputable company. Medicare Joe always contacts us in a timely manner, taking all the time needed to answer questions, and makes us feel like we are the most important customers he has. read less


Joe has been good about getting back to us quickly to answer any questions we had. He is very practical about laying out the options and helping us understand the... read moreJoe has been good about getting back to us quickly to answer any questions we had. He is very practical about laying out the options and helping us understand the pros & cons of one plan versus another. read less


Agent Mathew Lebrun was very helpful in finding a Medicare supplement that saved me $130 a month. Continues to keep in touch in case I have any questions regarding my... read moreAgent Mathew Lebrun was very helpful in finding a Medicare supplement that saved me $130 a month. Continues to keep in touch in case I have any questions regarding my new supplement insurance. read less

