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Choosing the right Medicare agent is incredibly important because they will help you navigate the complex Medicare system and provide you with the best coverage for your individual needs. With a wide array of plans and options available, it is essential to have an experienced professional to help you make the decisions that are right for you. A Medicare agent can assist you in understanding the different parts of Medicare and how they fit together, and provide guidance on the best plan for your specific situation. With the right agent, you can rest assured that you are getting the coverage that is right for you and your budget.

There are two distinct types of Medicare agents, captive and independent.

Captive Medicare Agents

A captive Medicare agent is an agent who is employed by a specific insurance company and only sells that companys products. This type of agent has limited product knowledge and access to plans, as they are only able to provide information on the plans that their company offers. They may also be subject to the companys policies and procedures, which can limit their ability to provide detailed advice and information.

Many captive Medicare agents are directly employed by one specific insurance company, limiting their available plan options to only those offered by their employer.

Independent Medicare Agents

An independent Medicare agent, on the other hand, is not tied to any specific insurance company and is able to provide advice and information on a variety of plans from various insurance providers. These agents are not limited by a single company’s policies and procedures, so they can provide more comprehensive advice and information on a wider range of options. Furthermore, independent agents often have access to a variety of discounts and special deals that may not be available through a single insurance company.

Independent agents are required to spend additional time learning, training, testing, and becoming certified in the Medicare plans for each insurance company they represent.


The level of service from a captive Medicare agent may vary depending on the company they work for and their experience level. While some captive agents may be knowledgeable and helpful, others may not be as experienced or as up-to-date with the latest plans and information as independent agents. On the other hand, independent agents are typically more knowledgeable and experienced, since they are not limited by the policies of a single company.

The cost of insurance coverage is another important consideration when comparing a captive Medicare agent with an independent one. Since captive agents only sell plans from one company, they may be limited in the discounts they are able to offer. Independent agents, on the other hand, may have access to a wider range of discounts, since they are not limited to a single company’s policies.

In terms of cost, an independent agent may be more expensive than a captive agent, due to the additional services they provide. However, the cost of their services may be offset by the discounts they are able to secure on plans from a variety of insurance companies. Furthermore, the peace of mind that comes from having a knowledgeable and experienced agent working on your behalf may be worth the additional cost. It is important to note that independent agents are almost always able to set their own pricing for their time, services, and expertise. Many independent agents offer their services for free.


Ultimately, the decision between a captive Medicare agent and an independent one should come down to an individual’s preferences, budget, and coverage needs. Those who require more comprehensive advice and a wider range of plan options may be better served by an independent agent. However, those who are on a tighter budget and are content with a single plan may be better served by a captive agent.

Brighter Insurance is an independent agency, and all of our Medicare agents are independent agents. We are able to offer Medicare plans and options from many different insurance companies like United Healthcare, Humana, Aetna, and others. All medicare services from Brighter Insurance are offered completely for free. Click here to learn more about our Medicare services and schedule your free consultation now.