Why work with a Medicare Plan Broker

If you're turning 65 or already enrolled in Medicare, chances are your mailbox has become a war zone. Postcards, booklets, flyers… oh my! Add in the non-stop TV ads, robocalls, and maybe even a neighbor who insists their plan is the best, and it’s no wonder most folks feel overwhelmed.

Here’s the truth: Medicare is complicated, but you don’t have to figure it out alone.

That’s where a licensed Medicare plan broker (like me!) comes in. Let’s walk through why working with a broker can save you time, money, and maybe even a few gray hairs.

What’s a Medicare Plan Broker, Anyway?

Great question. A Medicare broker is a licensed, independent insurance agent who helps you compare and enroll in Medicare plans — but here’s the key part:

👉 Brokers aren’t tied to just one insurance company.

That means they can help you shop around across multiple carriers to find the plan that actually works for you, not just whatever’s being advertised on TV this week.

A good broker stays up to date on plan changes, pricing, provider networks, and drug coverage — so you don’t have to spend hours doing your own detective work.

5 Big Reasons to Work with a Medicare Broker

1. Unbiased Advice

Since brokers represent multiple companies, you’ll get a fair look at your options — not a sales pitch.

2. One-on-One Guidance

Medicare isn’t one-size-fits-all. A broker will consider your specific doctors, prescriptions, budget, and lifestyle to find your best fit.

3. Local Knowledge

On Long Island, networks and benefits vary by ZIP code. A local broker knows which plans work well with area hospitals, specialists, and pharmacies — and which ones don’t.

4. Yearly Checkups

Plans can change every year. What worked in 2024 may not be the best in 2025. A broker helps you review your coverage annually to avoid surprise costs or dropped providers.

5. It Doesn’t Cost You a Penny

That’s right — working with a broker is completely free to you. Brokers are paid by the insurance companies, but the cost of your plan doesn’t change whether you work with a broker or enroll on your own.

Mistakes a Medicare Broker Can Help You Avoid

Let’s face it — Medicare mistakes are common, and they can be costly. A broker can help you steer clear of:

❌ Choosing a plan your doctor doesn’t accept

❌ Enrolling in a drug plan that doesn’t cover your medications

❌ Missing enrollment deadlines and getting penalized

❌ Paying more out-of-pocket than necessary

❌ Getting confused by misleading marketing claims

A broker doesn’t just help you enroll — they help you make a confident, informed decision.

Why Local Really Matters: The Long Island Advantage

Long Island isn’t like every other place — and your Medicare options aren’t either. Plan availability, provider networks, and added benefits all vary by location.

For example, some plans in Nassau and Suffolk counties offer:

• Dental and vision coverage

• Gym memberships or wellness perks

• Local in-network access to providers like Stony Brook, NYU Langone, Catholic Health, and Northwell

• Note: Transportation to appointments and Over-the-Counter (OTC) benefit cards are typically available only in special plans for individuals who qualify for both Medicare and Medicaid (dual eligible).

A Long Island broker (like me!) understands what’s available right in your neighborhood and what works for your lifestyle — whether you’re golfing in Sayville or volunteering in Babylon.

Brokers vs. Salespeople: There’s a Difference

Some people call and say they’re with “Medicare” — they’re not. Others want to push one plan, one company, and one solution. That’s not how a real broker operates.

A trusted Medicare broker acts as your personal advocate. We walk you through your options, answer your questions in plain English, and make sure you feel educated, not sold.

You don’t need to worry about gimmicks. Just real help from someone who’s been doing this for decades (since 1990, to be exact!).

Let’s Be Honest: Medicare Marketing Is Overwhelming

By the time October rolls around, your mailbox is overflowing, your phone’s ringing off the hook, and you’re tempted to just flip a coin and pick a plan.

But that’s where I can help.

A local broker like me can cut through the noise, explain the details clearly, and help you choose a plan that truly fits your needs — not just what's being hyped in commercials.

Let’s Talk — No Pressure, No Gimmicks

Choosing a Medicare plan is a big decision. Whether you’re considering Medicare Advantage, Medicare Supplements, or just figuring out your Part D options, I’m here to help.

📞 Call me, Diane Andree, at 631-337-3625

🌐 Visit www.ABCMPB.com

📧 Email: Diane@ABCMPB.com

You deserve a plan that works for your health, your wallet, and your life here on Long Island.

Let’s find it — together.

Too many Medicare Mailers