Should you enroll using an independent Medigap Agent or directly with an Insurance Company? When you enroll directly with an insurance company, you only see that company’s products and prices. If you need support, you will have to dial their call center for help.
With an independent agent like Senior65.com, however, you get unbiased guidance and access to multiple carriers at the exact same price if you enrolled directly. That way you pay the lowest cost legally available for the same Medigap plan but get more choice and ongoing support. With an independent agent, you can pick up the phone and talk to someone you know (and who knows you) at no additional charge.
Independent Medigap Agent vs Insurance Company: What’s Really at Stake?
When you enroll directly with a single carrier, you’re limited to that company’s portfolio. That means you might miss out on better coverage, lower premiums, or discounts and benefits like a gym membership.
When you work with an independent Medigap agent like Senior65.com, you bypass that limitation. We compare Medigap rates across multiple carriers so you can see a full market comparison, not just one company’s offer. That way, you can lock in the lowest price legally available for the exact same standardized Medigap plan, whether you choose Medigap Plan G or Medigap Plan N.
The most important thing to know is this: you don’t get a special discount for cutting your agent out of the picture. Medigap rates are regulated and already include the commission, whether you use an independent agent or buy direct. So if you drop your agent and go straight to the carrier, you pay the same built-in cost. The only difference is that you give up the independent help you already had.
👉If you’ve ever wondered why prices still vary, see If Medigap plans are standardized, why do some companies charge more than others?
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No Extra Cost: How Independent Medigap Agents Get Paid
One of the biggest misconceptions about Medigap is that using an independent agent makes your plan more expensive. The truth is simple: premiums are regulated by law. Whether you buy direct from a carrier or through Senior65.com, the price is the same.
The difference? With us, you get ongoing support, clear explanations, and access to every carrier’s plans. Insurance companies only show you their own products. We make sure you see the full picture and never pay a penny more. We have been helping seniors navigate Medicare for over 20 years and we are proud of our service. Check out our reviews.
💡Our service is 100% free to you. Your only gain is the confidence of having the best plan at the guaranteed lowest price. Just call us at 800-930-7956 or get an Instant Medigap Quote here.
How Senior65.com Protects Your Medigap Choice Over Time
When an insurance company enrolls you directly, their job ends there. But, when you choose Senior65.com as your independent Medigap agent, you’re not just picking a plan. You’re also securing long-term guidance. When we enroll you, our service is just beginning.
Over time, your needs evolve—premiums may rise, your health may shift, or new carriers may enter your area. That’s when our role becomes essential: we review your coverage, compare across the market, and help you adjust without bias. As rules change—like new Birthday Rules or special state protections—you can always check our Medigap Birthday Rule: Ultimate Guide to Laws in Every State or use our interactive Medigap state map to see what applies where you live.
💡If you keep Senior65 as your independent agent, you keep someone whose only role is to look out for your interests. If you let the insurance company take over your policy directly, you lose that neutral voice and end up relying on a team that can only talk about their own products. We’re here to help you protect your Medigap choice over time, not just on the day you enroll.
What Happens When an Insurance Company Calls?
If you already have a Medigap plan, you may get a friendly call from your current insurance plan or a competitor. They may say they can offer a “simple change” or a lower price. If you switch your coverage over the phone, the insurance company can replace your agent of record with a captive agent.
From the scenario above your independent agent disappears, and the company takes control. That means you lose the neutral guide who could help you evaluate other Medigap options (across all carriers) if rates go up or your needs shift.
💡Remember: The primary goal of an insurance company is to sell you their product. They are restricted by contract to pitch only what they offer. This means if Company A has a Plan G for $160/month, and Company B has the exact same Plan G for $130/month, the agent from Company A is legally obligated not to tell you about the $30 monthly savings available elsewhere.
Protect Your Choice – What to Do When a Carrier Calls
If you are already a client of Senior65.com (or want to be), and an insurance company calls, pause before you say yes to anything. You are always free to listen, but you never have to decide on the spot. Request the carrier’s plan details in writing. That way, you can compare them side‑by‑side with the options we’ll show you.
💡 If you ever feel pressured or unsure about how a company is approaching you, you can also review the official Medicare.gov page on illegal Medigap practices for clear guidance on what agents and insurance companies are not allowed to do. Sometimes the caller may be trying to switch you to a Medicare Advantage plan which seems great on the surface but usually has many shortcomings.
A simple and safe response is something like: “Thank you for the information. I’d like to review this with my agent before I make any changes.” After that, reach out to Senior65 and tell us exactly what the carrier offered you. We can check whether it truly benefits you, whether there are better options with other companies, and whether accepting the offer would remove us as your agent of record. That way, you stay in control of your coverage and keep the unbiased support you’re already entitled to—at no extra cost.
💡 If you’ve already received one of these calls, we recommend contacting us to evaluate your situation. Call 800-930-7956 and a member of Senior65.com will help you at no extra cost. If you’d like a simple roadmap, you can also follow our step-by-step guide on how to enroll in a Medigap plan.
FAQ: Independent Medigap Agent vs Insurance Company
Q: Do I pay more if I use an independent Medigap agent like Senior65?
A: Absolutely not. Medigap premiums are standardized. Company X’s Plan G costs the same no matter how you enroll. You pay nothing extra for our expertise or our service.
Q: Can the insurance company offer me a lower premium than my agent for the same Medigap plan?
A: No. Carriers do not give a special “direct” discount that your independent agent can’t access.
Q: What happens to my agent if I switch plans directly with the insurance company by phone?
A: In many cases, the company becomes your new agent of record (the official agent tied to your policy). That means your original independent agent may no longer be able to help you and you lose the unbiased advisor. If you think this happened, call 800-930-7956 so we can help you understand your options.
Q: Can Senior65 still help me if I already switched directly with the insurance company?
A: Yes, in many cases we can still review your coverage, show you other options, and help you plan your next move. If you think a carrier may have taken over as your agent of record, reach out to us at 800-930-7956 and we can walk you through what happened and what your choices are going forward. You’re never “bothering us” by asking; this is exactly what we’re here for.
Next Step: Independent Medigap Agent vs Insurance Company
If you’re already a Senior65 client, the most important thing you can do is simple: talk to us before switching your plan. We are here for you.
If you’re still comparing options, we’re happy to help you look at multiple Medigap companies, explain the differences in coverage and pricing, and enroll in the plan that fits you best. You can start by running a free comparison here: Instant Medigap Quote. Prefer to talk it through with a person? Call 800-930-7956. Our guidance is no-pressure, and there’s never an extra cost to work with us.