This is one of the first questions people ask us, and it’s a fair one. When something is described as “free,” it’s natural to wonder where the catch is. So here’s the honest, straightforward answer.
Is There a Cost to Work With Deatherage Senior Benefits?
No. There is no cost to you to work with Deatherage Senior Benefits. Our consultations, plan comparisons, enrollment help, and ongoing support are all provided at no charge, for as long as you’re our client.
If It’s Free, How Do You Get Paid?
As an independent Medicare agency, we’re compensated directly by the insurance carriers when a client enrolls in a plan, not by our clients. This is standard across the Medicare industry and is regulated by Medicare itself, so the same compensation structure applies no matter which independent agent or agency someone chooses to work with.
Does That Mean My Premium Costs More If I Work With You?
No. Your monthly premium is set by the insurance carrier and is exactly the same whether you enroll through us, enroll directly with the carrier, or enroll on your own through Medicare.gov. Working with an independent agent doesn’t add a markup, a fee, or a surcharge of any kind to your coverage.
What Exactly Do I Get at No Cost?
Working with Deatherage Senior Benefits at no cost to you includes a plain-language walkthrough of your Medicare options, help comparing plans across multiple carriers rather than just one, assistance with the actual enrollment paperwork and process, and ongoing support after you’re enrolled, including help during the annual Open Enrollment Period if you ever want to review or change your coverage.
Why Are Independent Agents Free to Use?
Because independent Medicare agents work with multiple insurance companies rather than being employed by just one, we’re able to compare plans across carriers and recommend what actually fits your needs, not what a single company is pushing. Since carriers pay agents directly for the guidance and enrollment support we provide, that cost never gets passed on to you.
Frequently Asked Questions
Do independent Medicare agents charge a fee?
No, licensed independent Medicare agents are compensated by insurance carriers, not by charging clients directly for consultations or enrollment help.
Will using an agent make my Medicare plan more expensive?
No, your premium is set by the insurance carrier and stays the same whether or not you work with an independent agent.
What if I want help after I’m already enrolled?
Ongoing support, including annual plan reviews and answering questions throughout the year, is included at no additional cost as part of working with an independent Medicare agent.