By Andrew Bird/Financial Concepts

There are distinct advantages of working with a locally licensed sales broker who can help guide you through the process of enrolling in Medicare insurance coverage. Consider these top benefits of working with a local Medicare insurance broker:

Andrew Bird. Photo by: Ron Bird Portraits (

Medicare expertise. If you are approaching Medicare eligibility for the first time, you may understandably feel a little overwhelmed by the amount of information available for you to sift through. While you and/or your family may have previously been covered by group insurance plans through an employer or an individual or family plan, Medicare insurance is different. It is individual insurance, but any decisions you make can affect your family. Having an expert who can help guide you through the structure, plans, benefits, and costs of Medicare can make a big difference as you explore your options.

Greater options. Independent brokers can provide you with options from an array of carriers. Having a broker that contracts with different carriers helps eliminate bias as they help you research and compare. The wealth of collective data at your fingertips is essential as you search for the Medicare insurance plan that best meets your individual needs, and an independent broker can help you narrow your choices and make an informed decision.

Working with a broker doesn’t cost you anything. There are no fees to pay for using the services of an insurance broker. In fact, the rates offered by insurance plans already account for commissions paid to insurance brokers, so your cost will not differ whether you work with a broker or enroll on your own. Why not get the help of a knowledgeable and licensed insurance sales agent who can make the process of enrolling easier than ever?

Continuing Education. Licensed sales agents in the Medicare arena go through hours and hours of training and education every year in order to sell Medicare insurance plans. Not only do they understand the parameters of your options, they have access to vital information that may help you make this very important decision. Most Medicare beneficiaries can only change their Medicare insurance coverage once a year, during the Annual Enrollment Period from Oct. 15 through Dec. 7, so you will likely be stuck with the insurance you choose for 12 months, unless you are eligible for a Special Enrollment Period.

Tailored guidance. An insurance agent can help tailor your Medicare insurance options to fit your needs and preferences. Every Medicare beneficiary is unique – and you deserve to find a plan that fits into your budget and lifestyle and will give you access to the quality healthcare you deserve. Many insurance agents take on the role of personal adviser as you work together to review and compare Medicare insurance plans. Getting to know you and your healthcare coverage needs, your broker can fine-tune the search and help you enroll in the Medicare plan that will protect you and your family from stressful medical expenses.

Save Your Time. We are all busy – and whether you are retired or not, your time is valuable. A knowledgeable broker can save you time on research and plan comparison, especially if Medicare coverage is new to you. A local licensed insurance agent can help you narrow down your options efficiently, and guide you to the coverage that will fit your circumstances so that you don’t waste time with options that simply won’t meet your needs.

Area specialty. Local brokers can provide more detailed knowledge of the plans available in your area. They may be familiar with the network of providers and suppliers, and can help advise you in regards to the Medicare plans offered.

One-stop shopping. Licensed sales agents may be able to offer you a one-stop shopping experience. Thanks to innovative technology, brokers can utilize software that will give you access to all the plan information you need, at any time that is convenient for you.

Service after the sale. Your relationship with your broker doesn’t end at the sale. Instead, your local insurance sales agent may be an advocate for you in the years to come, helping you address concerns with your insurance coverage. A broker can help you review your healthcare coverage needs annually so that, as time goes by, you will continue to have the right plan for any changing needs.

Andrew Bird, an agent of ‘Financial Concepts Retirement Planning’ in Mesquite, specializes in Medicare and Insurance services. Andrew Bird can be reached at 702-346-7025 or by email at