Who is Senior65 and Why Are We Doing This?

Learn more about our business and how we get paid (Spoiler Alert: there is no cost to you)

by Senior 65+ on Apr 18, 2018 | 2 Comments

Recently we received the following message similar to others we have received over the years.  We though we would post our exchange to give everyone a better understanding of Who is Senior65 and how we work.

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    “Hi Senior65!

    Of course I am being flooded with Medicare advice and offers right now, and I while I am pretty sure I want Plan G Medigap coverage, I am not sure about the best companies, reliability, stability of prices, etc.

    How does Senior65 make money? I know you don’t provide insurance, so do you act as traditional agents for the insurance companies? Do you earn commissions on those coverages? Are commissions the same for all companies?

    -David
    Charlotte, NC

OUR SENIOR65 RESPONSE BELOW
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Hello David,

Thank you for reaching out to us. I am sure you are being bombarded in every direction and we know how overwhelming the transition to Medicare can be!

Senior65.com is made up of our small group of licensed independent agents.  We are not captive to one insurance carrier.  We are appointed with several of the top Medicare insurance providers such as AARP United Health, Aetna, Anthem, Blue Cross, Blue Shield, Cigna, HealthNet, Humana, Mutual of Omaha, etc in over 40 states.

While there is NEVER A CHARGE or HIDDEN FEE passed on to our customers, we do receive commissions directly from insurance providers if we help you enroll in a plan. Each insurance provider sets their own commission amounts -  although, due to the regulated nature of Medicare supplemental insurance, commissions do not vary much from carrier to carrier.  Senior65 strives to provide you with a transparent experience and we guarantee the lowest prices allowed by law.

Helping people understand their Medicare options and making informed decisions is our strength.  We have access to the insurance providers price structure and rate increases to help with this process.  We have simple guiding principal: We never recommend a plan to a client that we wouldn’t recommend to a family member.

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If your find our tools and articles helpful and consider enrolling in a plan using our serves.  It is at no cost to you and each person that uses our services allows us to grow and expand our site. To work with our Senior65.com team, please contact us at 800-930-7956.


Thank you so much for visiting and we hope to earn your business in the near future!

-Eric and the entire Senior65 team!

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Reader Comments and Questions

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By Leo on May 20, 2018

I am 75 years old. I have had Medicare Advantage plans since age 65. We are retired. Our income is fixed but I take what we need from my IRA to pay mortgage, car payment, etc. I had kidney cancer. My right kidney was removed. That took care of that. I have recently had metastatic prostate cancer but am in solid remission. I take one expensive drug (Zytiga) ad I do go for monthly chemo injections control progesterone . I'd like to move to a Medigap program (possibly F,C or G in that order). My question is...if I wait until this Fall's Selection Period what are my chances of being accepted into a Medigap plan? We have Florida Blues Medicare Advantage now and their Part D drug plan. The Blues are a good company buy we are being "deductibled" and "Copayed" to death.

Leo
Here is a good article on switching from Medicare Advantage to Medigap . It explains when you can switch plans. Unfortunately unless you have a special election period (like moving out of your area), you will have to go through Medical review before approved on Medigap.
-Michelle from Senior65.com


By Sarah on May 20, 2018

Just an FYI to readers - Medicare has very strict rules regarding agents and brokers who sell Medigap and Medicare Advantage. As I understand it (from Medicare.gov), all agents are prohibited from charging for services relating to the sale of these products. Medicare also prohibits agents/brokers from coming to your home without your invitation. When I was approaching 65 and in the "getting bombarded" stage, an agent I'd never even heard of showed up unannounced at my home at dinner time. He said he knew I getting close to Medicare eligibility and wanted to help me. (Baloney, the guy wanted a commission!) I told him to get lost. In hindsight, I should have asked for his card and told him I'd call him later, then reported him to Medicare.

Sarah,
Thanks for that heads-up. Unfortunately there are a few agents out there that are unscrupulous. We are sorry you had a negative experience with this agent who was obviously breaking the law.
Senior65 is a license independent agency that never charges for our services. We do not buy or sell leads and we never cold call or show up at your house uninvited!!!!

We believe in providing easy-to-use online tools, posting useful advice on our website, and providing you access to our agents when you are ready. We receive a commission if we help you enroll in a plan but we will never pressure you to buy supplemental coverage.

To learn more about an agent's role and what they can (and cannot) do, take Sarah's advice above and visit www.medicare.gov. To speak to one of our agents, call 800-930-7956.
-Eric from Senior65.com



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