Medicare FAQs

We work with agents to get appointed with carriers and to write health solutions. In most cases, we do not work directly with clients. Instead, we provide you with the training and information you need to successfully make the sale. We also provide added support to you as you market and write health policies. We have relationships with the carriers, so we can assist with issues and, in some cases, put in you direct contact for assistance.

In most cases, you can submit business directly to the carrier. However, some cases may need to come to our office for submission. Contact our office if you’re unsure how to proceed with a specific case.

No. In fact, we highly recommend keeping it as simple as possible. In many cases, one or two carriers are adequate to meet your clients’ needs. We are happy to consult with you and provide guidance as you develop your product portfolio.

In most cases, there are not any additional certifications required to write Medicare Supplements. However, we strongly encourage agents to take AHIP to fully understand all the moving parts of Medicare. Some carriers do require an annual AHIP or equivalent certification to get contracted to write Medicare Supplements. Please contact our office for details on which carriers do or do not require additional certifications. We also provide training on Medicare for agents that are new or want a refresher.

To sell CMS-regulated products, you need to complete an annual AHIP certification or equivalent. AHIP takes an average of 8 to 12 hours to complete, and you can complete it online at your own pace. The recommendation is to complete the certification within two weeks or less for the best success. There is an exam at the end, which you need to pass with 90% accuracy. You have three attempts to pass.

All carrier lines are also required to have their own annual product certification. On average, it takes 2 to 3 hours to complete the certification for each carrier. Some are longer, and some may be shorter, depending on the year and the carrier.

Yes, as long as they have a current Health Insurance License with the state where the plan(s) will be written as well as E & O coverage.

In most cases, commissions are paid directly to you by the carrier. Commission amounts vary by product, state, and carrier. Please contact our office for details about a specific product or case.

With certain products and carriers, you are able to split commissions. In many cases, however, this is not possible with CMS-regulated products, such as Advantage Plans and Prescription Drug Plans. Please contact us for more details.

We provide regular live and on-demand webinars about various senior market products. We can also provide you with guides, resources, and other tools to streamline your business and make your job easier.

In most cases, we are not able to write the plan for you. We may be able to provide a referral in your area, but that varies by product, state, and specific area.

To get started, you can simply contact our office or book a Discovery Call. We are happy to consult with you on a specific case or product and provide you with a strategic plan for success.