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How is a Licensed Insurance Agent Specialized in Medicare Different to Your Regular Insurance Agent?

3 mins read
Our goal is to give you the tools and confidence you need to improve your health and finances. Although we may receive compensation from our partner insurance companies, whom we will always identify, all opinions are our own. CoverRight Inc. and CoverRight Insurance Services Inc. (NPN: 19724057) are collectively referred to here as "CoverRight".

In this article, you will learn

  • The difference between a licensed insurance agent who can sell you a Medicare plan and a regular insurance agent
  • Whether you can use a regular insurance agent to enroll in Medicare
  • Who covers your enrollment fees if you use CoverRight to enroll in Medicare
  • Where to find the advice you need to understand and enroll in the Medicare plan policy that meets your needs
  • How to make sure you receive care from the physicians and care providers you like 
  • How to get help finding Medicare Part D coverage for the prescription drugs you need

Welcome to the complicated world of Medicare

In some cases, a regular insurance agent that sells home and auto policies will have the knowledge to offer you advice on signing up for Medicare and selecting plans that meet your needs but this is rarely the case and in most cases, you will receive better advice from a licensed insurance agent who is trained to sell Medicare. In today’s article, we will explain why.

What do we mean by ‘regular insurance agent’?

In many cases, this is an agent who conducts his or her business in an office that you might be able to find in your hometown or nearby. You can find them by a quick online search. Plus, many insurance agents advertise in local newspapers and community-based online Newsletters.

In some cases, these insurance agents state that they are affiliated with specific insurance companies by saying they are a ‘New York Life Agent’, an ‘Allstate Agent’, a ‘State Farm Agent’.

What about an insurance agent that is focused on Medicare?

A licensed insurance agent who specializes in helping people enroll in Medicare plans and providing them with advice about their Medicare options. They are knowledgeable about the different types of Medicare plans available and understand the nuances of each option.

Licensed insurance agents who specialize in Medicare will typically have a ‘health and life’ license as well as specific certifications to sell Medicare including America’s Health Insurance Plans (AHIP) Medicare certification and are required to meet the annual compliance and knowledge requirements of each of the insurance carriers they represent – meaning they have taken additional courses that are focused on Medicare.

Insurance agents are required because Medicare is complicated! offers a confusing selection of different kinds of coverage, private insurance companies offer different kinds of plans, and people like you have different needs. People need help signing up and making Medicare decisions, and specialized licensed insurance agents have gone into business to meet that need.

Note that CoverRight is a combination of a technology platform and specialized licensed insurance agents, who have:

  • Certification: Each agent needs to meet stringent testing requirements and many need to re-take certification each year related to Medicare such as the AHIP Medicare certification
  • Plan selection: The consultant you will be able to recommend a range of plans from different carriers and will be able to advise you and offer you many different kinds of policies and plans.
  • Expertise: CoverRight’s agents have the tools and knowledge to help you select plans where your preferred physicians and other care providers are participants. Also – and this is important – he or she should be able to guide you to a plan where the medications you need most will be covered by Medicare Part D coverage.
  • Zero cost: There never is a fee for services because we receive a commission from the plans directly. 

What Is the Value of a Insurance Agent focused on Medicare When Signing Up?

A Medicare selection platform like CoverRight is a tool designed from the ground up to help you make informed decisions about which Medicare plans best meet your needs. The platform includes information about different plans, helps you compare plans side-by-side, and provides personalized recommendations. 

We will also help you understand your current plan if you are enrolled and identify any gaps in coverage. We are able, in just one phone call with a licensed insurance agent, quickly and easily compare different Medicare plans to determine which one is right for you. 

We never charge a fee and offer ongoing advice and support. 


CoverRight is on a mission to make the Medicare plan selection process easy to understand. We are here to help you compare Medicare plans and find the one best suited to your specific situation. Try the platform for yourself.

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Barry Lenson

Barry’s is an experienced writer who's most recent book projects have included "The Digital Health Revolution" and "Connecting Health Care," for which he served as writer and editor for the author Kevin Pereau. Barry’s own books include the self-help bestseller "Good Stress, Bad Stress." Barry writes blogs for Tortal Training, Ingage Consulting, Specialty Metals Smelters and Refiners, and other clients.

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