People & Roles
Independent Insurance Agency
Quick answer
An independent insurance agency contracts with multiple insurance companies rather than working for a single carrier. Independent agencies compare Medicare Advantage plans from the insurance companies they represent.
Plain-English definition
Independent agencies are not part of Medicare or CMS. Medicare Caddies is an independent insurance agency.
Why it matters
Working with an independent agency means you can compare across carriers in one conversation.
A simple example
Medicare Caddies compares plans from the insurance companies we represent, side by side.
Common mistakes & misconceptions
Related terms
Frequently asked questions
Does an independent agency represent every plan?+
No — no agency represents every plan available in every market.
Sources & references
📚 Where this information comes from
- Medicare.gov — official U.S. government site for people with Medicare ↗Primary source for benefits, enrollment periods, and plan comparison.
- CMS.gov — Centers for Medicare & Medicaid Services ↗Federal rulemaking, program updates, and official guidance.
- Social Security Administration — Medicare enrollment & premiums ↗Enrollment, premium withholding, and IRMAA determinations.
When you're ready, compare plans on your own terms
See Medicare Advantage plans from the insurance companies we represent, or walk the course with a licensed agent whenever you'd like a second set of eyes.
We help compare Medicare Advantage plans from the insurance companies we represent, and we don't offer every plan available in your area.
Medicare Caddies is an independent insurance agency. We are not affiliated with, endorsed by, or connected to the U.S. government, the federal Medicare program, or the Centers for Medicare & Medicaid Services (CMS). We help compare Medicare Advantage plans from the insurance companies we represent, and we don't offer every plan available in your area.