Medicare In California
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Welcome to Medicare In California
At Medicare In California our goal is to help California seniors find the best value on their medicare insurance. We review all the Medicare insurance plans and carriers in order to find the best value on Medicare insurance in California.
Why Use A Medicare Insurance Broker
By Bret Harding
Many senior’s in California have asked me what the differences are between a "Medicare insurance agent" and a "Medicare insurance broker?" The main difference reside in the fact that most "agents" are captive meaning they represent one company, and often times they try to sell you on the company they represent. However, a "broker" on the other hand is independent of any one company, and, therefore, represents many companies. So why use a Medicare insurance broker? Well, there are certain advantages to be had from using the services of a health insurance broker and your insurance premiums don’t go up as a result. You will pay the same price whether you use a health insurance broker or you go directly to any Medicare insurance company.
So, you’re now saying to yourself, what’ the catch? How do these people get paid? The answer is that insurance companies pay these independent brokers a commission the cost of which is covered by inclusion in all Medicare insurance premiums. In other words you’re paying for this broker’s advice anyway so why not take advantage of it!
The Three Sources of California Medicare Insurance
There are three sources of insurance and two can reasonably be accessed online.
1. Captive agents are those selling for a single company.
2. Telephone agents sell only over the phone and again avail you of the insurance perks of a single company.
3. Brokers represent numerous insurance companies offering a variety of options in coverage and cost. They spend the time and effort accomplishing the task of researching and acquiring the necessary information in order to offer you the best combination of price, coverage and service.
OK, enlisting the services of a Medicare insurance broker seems like a good idea. Now the next question arises, how does one find such a broker who is qualified to do the job and how does one know who are the effective ones and the ones that are less so. There are certain criteria that these people must meet in order to be in business. They must be licenses by the State, and unlike an agent who represents an insurance company, health insurance brokers represent you the client only.
Many of the best Medicare insurance companies are based online. The trouble is with 100's of different Medicare insurance companies to choose from, only by using an individual with knowledge of the whole market, can you make an informed decision.
Save on Your California Medicare Insurance Today Visit: www.MedicareInsuranceBroker.com
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