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Every appointment is personal
You will be treated as a person with needs and not as a number for sales. Your agent will not abandon you after the appointment. Your agent is there to stay with you as a contact point and liaison should you ever need help with your plan. While agents do not have company customer service access to your account, we can help guide you in finding a solution to your concern, should you ever have one. We are here to help you.
Ways we can help you include but are not limited to:
- Educate you on your current coverage and benefits. (Sometimes we just need a reminder.)
- Educate you on other options available to you—or simply reassure you that you are on the correct plan to fit your needs.
- Assist you with applications for Medicaid, Medicare Savings Program, Low-Income Subsidy for Rx costs, food stamps, etc.
- Help you locate medical services as needed.
- Be a liaison if you are having issues with your health insurance.
- Enroll you into a plan.
The difference between a Captive Agent and a BROKER Agent
Captive Agent
These are insurance agents who represent ONE company. They (usually) have managers who require sales quotas and push their agents to meet them—which in return, pressures them (to sometimes pressure you) to make sales or face repercussions such as write ups or losing their job. I know this because I used to be one. While I always did the right thing—and faced the repercussions—I decided to part ways on my own to pursue an independent lifestyle where I did not have to live like that. If you have previously had a meeting with a captive agent, their plan may in fact be the correct option for you. But it is wise to make sure you are aware of all of your options. This is where your BROKER comes in.
Broker Agent
We at Insurance All-Stars are broker agents. Brokers are independent agents contracted with multiple carriers who are not biased about any particular plan. If it is great for you, it is great for us. Your broker will take into account all of your doctors, medications, needs, and desires to find the plan available that fits them all the best way possible. Brokers at Insurance All-Stars have no quotas to meet and no risk of losing their job so it is easy to help someone with a plan or simply let them know that the decision they have already made was a great one.
"Insurance All-Stars are independent insurance agents that do not work directly for the federal government or Medicare. We may or may not offer every plan in your area. We do currently represent 12 organizations which offer 91 products in the Lake, Marion, and Sumter Florida areas where we are primarily located (but are not limited to). Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options."