People & Roles
Licensed Insurance Agent
Quick answer
A licensed insurance agent is a state-licensed professional trained and appointed to sell Medicare Advantage, Part D, and Medigap plans. Agents complete annual CMS training and abide by strict marketing rules.
Plain-English definition
Independent agents represent multiple insurance companies; captive agents represent only one.
Why it matters
Working with a licensed agent is a no-cost way to compare plans across carriers.
A simple example
You talk to a licensed agent who compares plans from several carriers based on your doctors and drugs.
Common mistakes & misconceptions
Related terms
Frequently asked questions
Do I pay the agent?+
No — the agent is paid by the insurance carrier if you enroll.
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.