If you’ve searched for insurance online, you’ve definitely seen an ad for SelectQuote. They’re a massive agency, and their commercials promise to save you money by comparing quotes.
It sounds simple. But when it comes to critical coverage like SelectQuote health insurance, is a big call center the best place for advice? This select quote review goes beyond the marketing claims. We’ll examine how their service actually works, its limitations, and what real selectquote insurance reviews reveal about the customer experience.
Key Takeaways
- Look Beyond Their Limited Options: SelectQuote only compares plans from a small group of partner companies. This means you won’t see every available option, and you could miss out on a more affordable or comprehensive plan that’s a better match for your health needs.
- Be Aware of the Ethical Concerns: The company faces a Department of Justice lawsuit regarding its sales practices, and numerous employee reviews describe a high-pressure environment. These are serious red flags to consider before engaging with their agents.
- Prioritize Personalized Guidance: Your health coverage is too important for a call center experience. Working with an independent agent who specializes in Medicare ensures you get dedicated support and access to a wider market, helping you find the right plan with confidence.
So, What Exactly is SelectQuote?
If you’ve spent any time looking for insurance online, you’ve probably come across SelectQuote. They are a large, well-known insurance agency that has been around since 1985.
According to their own materials, “SelectQuote Insurance Services… is a leading provider of unbiased insurance comparisons from multiple highly-rated companies.” In simple terms, they are a broker. They don’t provide the insurance coverage themselves; instead, they connect you with different insurance companies that do.
Think of them as a marketplace. You go to them with your insurance needs, and they present you with several options from their list of partners. Their goal is to make the process of shopping for insurance easier by putting multiple quotes in one place.
While they are a legitimate company, it’s important to understand how their business model works so you can decide if they are the right fit for your specific needs, especially when it comes to something as important as your Medicare coverage. We’ll look at what they offer, how they work, and what you should keep in mind before picking up the phone.
What Kind of Insurance Does SelectQuote Offer?
Many people want to know, what types of insurance does SelectQuote provide before deciding whether to use their service.
SelectQuote promotes itself as a one-stop agency that connects customers with several coverage options, including life insurance, Medicare insurance, auto insurance, and home insurance. This setup can be convenient if you want to compare multiple policies in one place.
However, it’s important to understand that while what types of insurance does SelectQuote provide seems broad, the company only works with a limited set of partner carriers. That means you may not always see every available option on the market, which could affect whether the policy you’re shown is truly the best fit for your needs.
For the purpose of this review, we are going to focus primarily on their Medicare services. While they sell other policies, finding the right Medicare plan is a unique challenge. It’s not quite the same as buying car insurance. Understanding how they handle Medicare plan comparisons is key to determining if their service is right for you or your parents.
Is SelectQuote a Legitimate Company?
Yes. SelectQuote is a legitimate insurance company that has been operating since 1985. It is publicly traded on the New York Stock Exchange (NYSE: SLQT), accredited by the Better Business Bureau, and has connected millions of people with trusted life, health, auto, and home insurance carriers. The company is well-known for offering side-by-side quote comparisons from top-rated insurers, helping consumers quickly evaluate their options.
While SelectQuote’s legitimacy isn’t in question, it’s important to remember that its approach may not suit everyone. Many people point out concerns about its team’s high-pressure sales tactics and frequent follow-ups. If you’re seeking a more personal, low-pressure experience with Medicare insurance, working with an independent broker like The Big 65 Medicare Insurance Services can give you the guidance you need.
Is SelectQuote Safe?
When it comes to choosing an insurance provider, safety and trust matter most. SelectQuote has been in business for more than 35 years, holds Better Business Bureau accreditation, and partners with highly rated national carriers. Its agents are licensed under regulatory standards set by the Centers for Medicare & Medicaid Services, which means the company operates within strict compliance rules. Many customers also highlight its knowledgeable staff and efficient quote process, reflected in its “Excellent” 4.3-star rating on Trustpilot.
That said, it’s wise to be aware of SelectQuote’s marketing practices. Some consumers have reported aggressive follow-up calls, and the company has faced lawsuits over privacy concerns, though these were resolved without impacting its ability to operate legally. SelectQuote is a generally safe and legitimate service, but if the lawsuits are red flags for you, then you may prefer working with an insurance broker instead.
Does SelectQuote Have a Waiting Period?
If you’re considering insurance through SelectQuote, it’s important to know that the company itself doesn’t set a waiting period. Instead, the timing depends on the specific product and insurer you choose.
For example, most traditional term life insurance policies require medical exams and underwriting, which can take 8 to 12 weeks before coverage begins. Delays may occur if additional medical records are needed, so approval isn’t always immediate.
For faster options, SelectQuote also offers access to “no exam” and “guaranteed issue” life insurance. Some of these policies provide same-day or next-day coverage with no waiting period, while others may include a graded death benefit, where full payouts don’t start until after a set timeframe.
Waiting periods vary based on the carrier and policy, not SelectQuote itself. If you want personalized help navigating your insurance choices, The Big 65 Medicare Insurance Services can simplify the process and match you with coverage that fits your needs.
How Does the SelectQuote Comparison Tool Work?
If you check the SelectQuote FAQ, the process is described as straightforward. You can either call them directly or fill out a form on their website, providing details such as age, location, and health.
From there, an agent matches you with quotes from their partner carriers. This shows that SelectQuote does not sell its own policies but works as a broker. While the SelectQuote FAQ explains this clearly, it’s also important to understand that the company earns commissions from the insurance carriers you select, which can influence the recommendations provided.
You’ll provide personal information, like your age, location, and health status, which they use to generate insurance quotes. As their own FAQ page explains, “SelectQuote helps people find insurance. They don’t sell insurance directly; they act as a comparison service.”
An agent will then walk you through the different plans and prices from the companies they partner with. They earn a commission from the insurance company you ultimately choose. The key takeaway here is that they are the intermediary. You are buying a policy from a major carrier like Aetna or Cigna, but SelectQuote is the sales agent facilitating the transaction.
Who Are SelectQuote’s Insurance Partners?
This is where it’s essential to pay close attention. SelectQuote provides quotes from “multiple highly-rated companies,” but they don’t work with every company. Their network of partners is limited. For example, research from other agencies shows that SelectQuote works with a relatively small number of life insurance carriers.
This same principle applies to their Medicare offerings. The “unbiased” comparison you receive is only between the specific companies in their portfolio. This means you might not see a plan that is a better fit or more affordable if it comes from a company outside of their network. Having access to broader networks is often key to finding the most suitable and cost-effective plan for your individual health needs and budget.
Auto and Home Insurance Carrier Network
SelectQuote also offers to help customers find auto and home insurance by comparing quotes from their network of carriers. While they work with over 19 different insurance companies, the same limitation applies.
Their primary goal is to help you find a low price, but because they don’t represent the entire market, your options are restricted. This means that while you might find a competitive rate through their service, you won’t see the full spectrum of available plans. You could easily miss out on a policy from another carrier that offers better coverage or a lower premium, simply because that company isn’t on SelectQuote’s partner list.
SelectQuote’s Claims and Market Position
On the surface, SelectQuote appears to have a strong reputation, with a 4.3 out of 5-star “Excellent” rating on Trustpilot. A closer look at the reviews, however, reveals a more complicated picture.
While many customers praise the friendly and knowledgeable staff, a common thread among negative reviews is the sheer volume of calls and emails they receive after submitting their information. This aggressive follow-up is a frequent point of frustration for potential clients who feel pressured rather than helped. This experience is a far cry from the dedicated, one-on-one support you should expect when making crucial healthcare decisions.
These customer complaints are further supported by employee reviews describing a high-pressure sales environment. More alarmingly, these practices have attracted legal scrutiny. SelectQuote is currently facing a Department of Justice lawsuit related to its sales tactics, which is a significant red flag. When a company’s sales methods are being questioned at a federal level, it raises serious ethical concerns.
For something as personal and important as your Medicare coverage, you deserve to work with someone whose primary focus is your well-being, not meeting a sales quota. The customer feedback and legal issues suggest that may not be the environment at SelectQuote.
The Real Cost of Using SelectQuote
One of the first questions people ask is about cost, and it’s an important one. Using SelectQuote’s comparison service is free for you, the consumer. They are an insurance agency, which means they get paid a commission by the insurance company you choose to enroll with. This is a standard industry practice, but it’s helpful to know how the business works from the start.
While you don’t pay SelectQuote a fee, the insurance plans you explore through them certainly have a price tag. The monthly premium for your policy will depend on the plan and company you select. The main idea behind SelectQuote is to lay out these different prices for you in one place, making it easier to compare your options. However, understanding what goes into that final price and whether the “cheapest” option is truly the best for your health and financial needs is where things get more complex. Let’s look at the details of their pricing and what you can expect.
How Transparent is SelectQuote’s Pricing?
SelectQuote’s model is straightforward on the surface: you don’t pay them, the insurance carriers do. Their stated goal is to provide you with price transparency so you can compare different plans side-by-side. This can be a helpful starting point, especially if you’re just beginning to research your options.
However, it’s important to remember that their agents are compensated through commissions. This can sometimes create a situation where you might be shown plans from companies that have a financial relationship with SelectQuote, rather than every possible option on the market. While the service itself is free, always ask questions to ensure the plan being recommended is based on your specific needs, not just on the agent’s incentives. True clarity comes from understanding both the plan’s cost and why it’s the right fit for you.
Breaking Down Your Coverage Options
SelectQuote is a large agency that sells more than just Medicare plans. Their business is divided into several areas, including Life, Auto & Home, and Healthcare Services. For those of us focused on retirement healthcare, their “Senior” segment is the one that matters. This is where they offer Medicare insurance plans.
Within this category, you can get quotes for Medicare Advantage (Part C) plans, Medicare Supplement (Medigap) plans, and Medicare Part D prescription drug plans. Having these options in one place can seem convenient. However, it also means their agents are generalists, handling many types of insurance. This is different from working with a specialist who focuses exclusively on Medicare and understands the intricate details of how different Medicare plans work together to cover your health needs.
What Factors Influence Your Final Premium?
The price you see in a quote isn’t random; it’s based on a specific set of factors. The final premium for your insurance plan—whether it’s a Medigap or Medicare Advantage plan—is determined by the type of coverage you choose, your age, and where you live. For some plans, your health history also plays a significant role.
For example, the premium for a Medicare Supplement Plan G will be different from a Plan N. Your ZIP code is also a major factor, as insurance costs vary by state and even county. Finally, for Medigap plans purchased after your initial enrollment period, insurance companies can use medical underwriting, meaning they can charge you more or deny coverage based on your health. Understanding these pricing factors helps you make a more informed decision when you see a list of quotes.
Can You Actually Save Money with SelectQuote?
SelectQuote’s main value proposition is that they can help you save money by showing you quotes from multiple insurance carriers at once. Comparing prices is a smart financial move, and using a tool to do so can certainly highlight lower-cost plans you might not have found on your own.
But saving money on Medicare is about more than just finding the lowest monthly premium. The cheapest plan could have a limited network of doctors, high deductibles, or significant out-of-pocket costs that end up costing you more in the long run. True savings come from finding a plan that offers a balance of affordable premiums and comprehensive coverage that protects you from unexpected medical bills. It’s always wise to look beyond the initial price tag and consider the total potential cost over the year.
Weighing the Pros and Cons of SelectQuote
When you see ads promising big savings, it’s smart to look closer. SelectQuote has built its brand on helping people find lower insurance rates, but that’s only part of the story. Like any service, it has its strengths and weaknesses. Understanding both sides can help you decide if their model is the right fit for you or if you need a more personal touch. Let’s break down what works well with SelectQuote and where you might run into trouble.
The Pros: What SelectQuote Does Well
SelectQuote’s biggest draw is its claim to save you money. The company promotes itself as a top seller of Term Life Insurance, and its marketing often highlights the potential for customers to cut their insurance costs significantly.
For someone whose main goal is to find the lowest possible price on a policy, this can be very appealing. Their process is designed to be quick and straightforward, getting you quotes from their partner companies without you having to shop around on multiple sites yourself. If you’re comfortable with a fast, price-focused transaction and don’t need a lot of hands-on guidance, the potential for savings is the primary benefit here.
The Cons: Potential Downsides to Know
One of the most significant downsides is the limited selection. While SelectQuote compares plans, it only works with about 11 life insurance companies. This is a very small slice of the market.
In contrast, true independent agents often have access to dozens, or even hundreds, of carriers, giving you a much better chance of finding the absolute best plan and rate for your unique situation. Another common issue is the call center model. You likely won’t speak to the same person twice, which can make communication feel impersonal and disjointed. If you have questions or run into issues, starting over with a new agent each time can be frustrating.
A Review of SelectQuote’s Customer Service
On paper, SelectQuote’s customer service seems solid. The company has promoted its Net Promoter Score of 58, which is considered a “Great” score by industry standards.
A Net Promoter Score, or NPS, is a way to measure customer loyalty by asking how likely they are to recommend a company to others. This score suggests that a majority of their customers have had a positive experience and are satisfied with the service they received. However, this high-level score doesn’t always capture the full picture, as individual experiences can vary widely, especially within a large call center environment.
Addressing the Ethical Concerns
This is where we need to be direct. Several online reports and employee reviews raise serious ethical questions.
Former employees have described a work environment that relies on manipulative and high-pressure sales tactics, often targeting seniors. These reports mention agents using misleading promises, like non-existent $400 food cards, to pressure vulnerable individuals into switching plans or buying coverage they don’t need.
While these are allegations from online forums, they paint a concerning picture of a company culture that may prioritize sales quotas over the well-being of its customers. For anyone helping a parent or loved one with insurance, this is a major red flag to consider.
Addressing the Ethical Concerns
When you’re choosing a Medicare plan, trust is everything. This is why it’s critical to address the serious ethical concerns surrounding SelectQuote.
The company is facing significant legal challenges, including a Department of Justice lawsuit alleging that its agents used deceptive sales tactics to enroll seniors in Medicare Advantage plans. This legal action supports what numerous online reviews from former employees have described: a work environment built on aggressive and manipulative strategies that prioritize sales quotas over a client’s actual needs.
There are even troubling allegations of agents using misleading promises, like non-existent grocery benefits, to pressure vulnerable individuals into switching plans. For anyone helping a parent with their coverage, these reports are a significant red flag and highlight the potential risks of a sales model focused on volume over personalized care.
SelectQuote Insurance Reviews from Real Customers
When you’re trying to decide on an insurance partner, hearing from real people—both customers and employees—can give you a clearer picture. While online reviews can be a mixed bag, looking at official scores, common themes in complaints, and any legal issues provides a more balanced view. It helps you understand what the company does well and where you might run into trouble.
For SelectQuote, the feedback highlights a contrast between their official customer satisfaction scores and the experiences shared on other platforms. Let’s look at what people like, the red flags that pop up frequently, and the serious allegations the company has faced.
A Look at SelectQuote’s Trustpilot Score
On the surface, SelectQuote’s customer feedback looks quite strong. The company holds an “Excellent” 4.3-star rating on Trustpilot, based on thousands of reviews from people who praise their friendly and knowledgeable agents. However, it’s always wise to look at the complete picture.
While a majority of the reviews are positive, a consistent theme in the negative feedback is the aggressive communication, with many reporting an overwhelming number of calls and emails. Perhaps more telling is how the company handles criticism. According to Trustpilot, SelectQuote has only responded to 3% of its negative reviews.
For a company that promises to put customers first, this lack of engagement is a significant concern. When you’re making a decision as important as your Medicare coverage, you want a partner who will listen if things go wrong. You can see the full breakdown of feedback on their page.
What Customers Praise in Their Reviews
SelectQuote promotes its high customer satisfaction, and they have some numbers to back it up. The company announced a Net Promoter Score of 58, which is considered a “Great” score.
A Net Promoter Score, or NPS, is a common way companies measure customer loyalty by asking how likely a customer is to recommend their service to others. This score suggests that a significant portion of their customers are happy with the service they received and would willingly refer friends or family. This is the primary positive feedback you’ll find directly from the company, indicating a base of satisfied clients.
Common Complaints and Red Flags
Despite positive official scores, a search for reviews reveals some concerning patterns. On forums like Reddit, former and current employees have shared overwhelmingly negative experiences, describing a high-pressure work environment. These accounts claim that agents are pushed to use manipulative sales tactics, which can be particularly troubling when the target audience includes vulnerable seniors.
Another common issue is the business model itself. SelectQuote operates primarily as a call center, which means you might speak to a different person every time you call. This can lead to a frustrating, impersonal experience where you have to explain your situation over and over again.
Company Responsiveness to Negative Feedback
A company’s response to criticism can tell you a lot. While SelectQuote holds an “Excellent” 4.3-star rating on Trustpilot based on thousands of reviews, a closer look reveals a potential issue.
According to Trustpilot’s own data, SelectQuote has only replied to 3% of its negative reviews. This lack of engagement with unhappy customers is concerning, especially when paired with the employee allegations of a high-pressure sales culture.
When a company appears to ignore negative feedback, it raises questions about their commitment to resolving customer problems and their overall accountability. It suggests that while they are happy to highlight positive experiences, they may be less interested in addressing the issues faced by those who are dissatisfied.
What’s Behind the Lawsuits and Allegations?
Beyond employee complaints, SelectQuote has faced serious legal challenges. The Department of Justice (DOJ) filed a False Claims Act complaint against both SelectQuote and another company, GoHealth. The lawsuit alleges that the companies were involved in a kickback scheme, making illegal payments to brokers to enroll people in specific Medicare Advantage plans.
These allegations are serious because they suggest that the advice given to customers may not have been based on their best interests, but on financial incentives for the brokers. Following the DOJ’s announcement, the company’s stock price dropped significantly, reflecting the gravity of the situation.
The Department of Justice Lawsuit
The U.S. Department of Justice (DOJ) filed a lawsuit against SelectQuote, bringing serious allegations about their sales practices to light. The lawsuit claims that between 2016 and 2021, SelectQuote participated in a scheme involving illegal kickbacks from several health insurance providers, allowing the company to pocket millions of dollars.
This legal action from the DOJ raises significant concerns about the company’s ethical standards and the integrity of the advice they provide. When you are making a decision as important as your Medicare coverage, you need to be absolutely certain that the guidance you’re receiving is unbiased and has your best interests at heart, not the company’s bottom line.
Allegations of Illegal Kickbacks
The DOJ’s complaint, filed under the False Claims Act, provides more detail on the accusations. It alleges that SelectQuote and another large broker, GoHealth, were involved in a kickback scheme that financially rewarded agents for enrolling people in specific Medicare Advantage plans.
This creates a major conflict of interest. It raises the critical question of whether the advice given to customers was genuinely based on their unique health needs or if it was influenced by which insurance plan offered the most lucrative payout to the broker. These serious allegations suggest a company culture that could prioritize profits over the well-being of seniors seeking essential health coverage.
What Are the Best Alternatives to SelectQuote?
If your experience with SelectQuote has left you wanting more, or if you’re just starting your research and want to understand all your options, you’re in the right place.
A big, national call center isn’t the only way to find an insurance plan. In fact, for a decision as personal as your health coverage, exploring alternatives can lead you to a better fit for your specific needs and budget. Let’s walk through a few other paths you can take to find the right Medicare plan.
Why an Independent Agent Might Be a Better Fit
An independent agent offers a fundamentally different experience from a large call center. Instead of speaking with a different person each time you call, you work one-on-one with a dedicated professional. This person gets to know you, your health history, and what you value most in a plan. Because they aren’t employees of a single insurance company, independent agents can compare plans from a wide range of carriers. This gives you a much broader view of the market and helps ensure you find a plan that truly fits, not just one from a limited list of partners. This personalized approach can be especially helpful if you have pre-existing conditions.
Should You Buy Directly from an Insurance Company?
You always have the option to go straight to the source and buy a plan directly from an insurance carrier like Aetna, Cigna, or Humana. This can be a straightforward choice if you’ve already done extensive research and know exactly which company and plan you want.
The main drawback is that you’ll only see what that one company offers. You won’t be able to compare its plans against competitors’ side-by-side, which might mean you miss out on a more suitable or affordable option elsewhere. It’s a viable path, but it puts the full responsibility of comparison shopping squarely on your shoulders.
Understanding Mutual Insurance Companies
You might also come across the term “mutual insurance company” in your research. It’s a simple but important distinction. A mutual insurance company is owned by its policyholders—that’s you.
Instead of answering to outside shareholders, the company’s main purpose is to serve its members. When the company does well financially, it can share the profits with policyholders in the form of dividends or by reducing future premiums. This structure aligns the company’s interests directly with yours.
In contrast, stock insurance companies are owned by investors, and their primary goal is to generate profits for those shareholders. Knowing this difference can help you understand the philosophy behind the company you choose.
Top-Rated Life Insurance Companies
When you start looking for life insurance, you’ll find many highly-rated companies to choose from, and many of the most respected are mutual companies. Firms like Northwestern Mutual, New York Life, and MassMutual have built reputations for financial stability and commitment to policyholders. They consistently receive high marks from independent rating agencies for their financial strength, a critical measure of an insurer’s ability to pay claims for years to come.
The key takeaway is that the insurance market is vast. While a service like SelectQuote might partner with some good companies, their list is limited. An independent agent who isn’t tied to a specific network can introduce you to a much wider array of options, including these top-tier insurers, giving you a better chance of finding the perfect fit.
How Companies Like NerdWallet Rate Insurers
When you see a “best of” list from a site like NerdWallet or Forbes, it’s helpful to know what goes into those ratings. These third-party reviewers typically analyze several key factors to score an insurance company.
They look at financial strength ratings from agencies like AM Best, which show if the company has the money to pay claims. They also consider customer satisfaction, often measured by the number of complaints filed with state regulators. The types of policies offered, available riders, and overall price are also weighed heavily. These ratings are a great starting point for your research, but they should be one tool among many in your decision-making process.
Understanding Average Life Insurance Costs
One of the most common questions is, “How much will it cost?” The truth is, there’s no simple answer because life insurance premiums are highly personalized. The final price you pay depends on several factors, including your age, gender, and overall health.
A younger, healthier person will almost always pay less than an older individual with pre-existing conditions. The type of policy you choose—like term versus whole life—and the amount of coverage you want also play a huge role. Think of an online quote as a ballpark estimate. The final premium is only determined after the insurance company has reviewed your application and completed its underwriting process.
How Do Other Comparison Sites Stack Up?
SelectQuote is just one of many insurance comparison websites available. If you prefer the online comparison model, it’s wise to check a few different sites to see if the quotes and plan options vary.
However, it’s important to approach these sites with the same critical eye. Look for transparency about which insurance companies they partner with and be aware that their main goal is often to capture your information. While they can be a useful tool for getting a general sense of pricing, they may not provide the full picture or the nuanced advice needed for a complex product like Medicare.
Where to Find Personalized Medicare Guidance
Ultimately, choosing a Medicare plan is about more than just comparing prices on a screen. It’s a major financial and health decision that deserves careful, personalized attention.
This is where working with a specialist who focuses exclusively on Medicare makes a world of difference. An expert can help you understand how different plans cover your specific prescriptions, let you keep your trusted doctors, and fit your long-term health needs. They move beyond a simple comparison service to provide genuine guidance, ensuring you feel confident and clear about your coverage. This kind of support is the key to making a choice that serves you well for years to come.
Related Articles
- SelectQuote Review: Is It the Right Choice for You? – The Big 65 – Medicare Insurance Services
- Medicare Supplement Insurance: Your Complete Guide – The Big 65 – Medicare Insurance Services
Frequently Asked Questions
If SelectQuote‘s service is free, how do they make money? That’s a great question to ask. You don’t pay a fee to use their comparison service. Instead, SelectQuote earns a commission from the insurance company you choose to sign up with. This is a standard practice in the insurance industry. Knowing this helps you understand that their service is built around facilitating a sale, and the agent’s compensation is tied to the policy you purchase.
Will SelectQuote show me all of my Medicare plan options? This is a key point to understand. According to the SelectQuote FAQ, the company provides quotes from its list of specific partner companies, not every carrier on the market. While they present multiple options, your comparison is limited to only those companies within their network. This means you might not see a more affordable or better-fitting plan if it’s offered by a carrier they don’t work with.
Will I have a dedicated agent if I work with SelectQuote? SelectQuote primarily operates as a large call center, which means you will likely speak with a different agent each time you call. If you have follow-up questions or need ongoing support, you may have to explain your situation again to a new person. This is different from working with an independent agent who serves as your single, consistent point of contact for the life of your policy.
I’ve heard some negative things about their sales process. What should I be aware of? Some former employees and customers have reported feeling rushed or pressured during the sales process. When you’re making a decision as important as your health coverage, you should never feel hurried. It’s always wise to be cautious of any sales tactics that feel aggressive or promises that seem too good to be true. Your comfort and confidence in your choice are what matter most.
What’s the main difference between using a service like SelectQuote and working with an independent agent? The two biggest differences are selection and service. A service like SelectQuote gives you quotes from a limited portfolio of insurance companies in a call center environment. An independent agent, on the other hand, typically has access to a much wider range of carriers and provides dedicated, one-on-one guidance. This personalized approach helps ensure the advice you receive is tailored to your unique health needs and financial situation.
Working with a Medicare-Focused Agency
For a decision as personal as your health coverage, a specialized agency offers a significant advantage over a large call center. The main benefit is the personalized guidance from a dedicated agent who gets to know you, your health needs, and your budget. This relationship means you have a single point of contact who can offer tailored advice, helping you feel confident in your choices. Unlike SelectQuote, which only shows plans from a small group of partners, a Medicare-focused agency provides access to a much broader market.
A true independent agent can compare options from dozens of different carriers, giving you a comprehensive view of what’s available. This is a critical distinction that ensures you don’t miss out on a better plan. At The Big 65, our exclusive focus on Medicare allows us to provide this specialized support. We help you explore all the possibilities so you can find the coverage that truly fits your life, without the limitations of a call center model.