SelectQuote Review: Is It a Legit Choice for You?

Finding the right Medicare plan can feel overwhelming. Companies like SelectQuote promise to make it simple, offering a one-stop shop to compare quotes from many different insurance carriers. But it’s fair to ask, is SelectQuote legit? For someone with straightforward health needs, this can be an efficient way to get coverage. But what if you want a dedicated agent for the long haul? This detailed select quote review will cut through the marketing noise, exploring how their SelectQuote Medicare process really works and what their customers are saying, helping you decide if their model is right for you.

Key Takeaways

Understand the business model: SelectQuote is a large insurance marketplace that provides access to a wide variety of plans. This is useful for comparing prices, but their high-volume, call-center structure means the experience can feel rushed and less personal than working with a dedicated agent.
Consider if their process fits your needs: The company’s streamlined approach can be a good fit if you are in excellent health and comfortable with a fast-paced sales process. If you have complex health needs or prefer ongoing, personalized support, you may be better served by an independent agent.
Always prepare before you shop: Before contacting any broker, make a complete list of your doctors, prescriptions, and healthcare priorities. This preparation helps you compare plans accurately and decide whether a large marketplace like SelectQuote or a smaller, independent agency is the right choice for you.

Is SelectQuote Legit? Here’s How It Works

If you’ve started looking into Medicare plans, you’ve likely come across SelectQuote. They are one of the largest and most well-known insurance agencies in the country. Think of them as a big marketplace for insurance. Instead of going directly to a single insurance carrier like Aetna or Cigna, you can go to SelectQuote, and they will show you plans from various companies they partner with. Their goal is to simplify the shopping process by letting you compare multiple options in one place.

SelectQuote has been in business for over 35 years, so they have a long history in the industry. Their process typically starts when you contact them for a quote. A licensed insurance agent will ask you about your healthcare needs, budget, and lifestyle. Based on your answers, they’ll present you with a few plan options they believe are a good fit. Because their agents work on commission from the insurance companies, you don’t pay them directly for their service. While this model is standard in the industry, it’s helpful to know that their agents may not represent every single plan available in your area, only those from the carriers they have agreements with.

Company Background and History

SelectQuote has been a major player in the insurance industry for over 35 years, establishing itself as one of the largest agencies in the United States. Their business is built on being an insurance marketplace, which means they don’t issue the policies themselves. Instead, they connect you with a variety of insurance carriers they have agreements with. This structure allows you to compare multiple quotes in a single phone call, which can be a huge time-saver. However, it’s important to remember that they are an agency, not the insurance company itself.

This distinction is crucial because it means their agents can only show you plans from their partner carriers. As a result, you might not see every available option in your area, which could be a drawback if you have specific doctors or prescriptions you need to cover. Their high-volume, call-center approach is designed for efficiency and works well for people with simple health needs. But if you’re looking for a more personal relationship and ongoing support, you might find that the experience differs from working with a dedicated agent, a point often raised in customer feedback.

What Insurance Policies Can You Compare?

SelectQuote is known for more than just Medicare. They offer a wide range of insurance products, which can make them a one-stop shop for some families. Their main offerings include life insurance, particularly term life policies, as well as home and auto insurance.

For those of us focused on Medicare, they provide the main types of coverage you’ll be looking for. This includes Medicare Advantage (Part C) plans, Medicare Supplement (Medigap) plans, and standalone Part D prescription drug plans. Having access to these different plan types allows you to compare the pros and cons of each, whether you’re looking for the all-in-one structure of Medicare Advantage or the more predictable coverage of a Medigap plan.

Examples of Insurance Partners

Because SelectQuote operates as a large marketplace, they partner with many of the most recognizable names in the insurance industry. You can expect to see quotes from national carriers such as Aetna, Humana, Cigna, and Wellcare. This wide selection is one of their main selling points, as it allows you to compare different premium costs and plan benefits from several companies at once. However, it’s important to remember that their list of partners, while extensive, may not include every single insurance provider available in your specific county or state. Some smaller, regional carriers might not be part of their network, so the options presented are from a curated, though large, selection.

Ready for a Quote? Here’s How

Getting a quote from SelectQuote is a straightforward process. It usually begins on their website or by calling their main number. You’ll provide some basic information, like your zip code and age, to get started. From there, you’ll be connected with a licensed agent. This is where the real work begins.

The agent will guide you through a needs analysis, asking questions about your health, the doctors you see, and the prescriptions you take. This information is crucial for finding a plan that truly covers your needs. The agent then uses this data to compare prices and coverage from the insurance companies in their network. They’ll present you with the options they think are the best match and walk you through the enrollment process if you decide to move forward.

Is SelectQuote Available in Your State?

SelectQuote is a national agency, which means they are licensed to sell insurance products across the United States. Whether you’re in California, Florida, or anywhere in between, you can likely work with them to find a Medicare plan. This broad availability is a major advantage, especially for people who might move to a different state in retirement or for those helping parents who live far away.

However, it’s important to remember that Medicare itself is local. The specific Medicare Advantage and Part D plans available to you depend entirely on the county and zip code you live in. While SelectQuote operates nationwide, the selection of plans their agents can offer will differ from one location to another.

Decoding SelectQuote’s Carrier Ratings

When you’re evaluating any company, it’s smart to see what other customers have to say. For SelectQuote, online reviews give a mixed but generally positive picture. On Trustpilot, for example, they hold a rating of 4.1 out of 5 stars from thousands of reviews. Many customers praise their agents for being helpful and knowledgeable during the sales process.

At the same time, you’ll also find complaints, which often center on feeling rushed or receiving too many follow-up calls. It’s also a good idea to check their profile with the Better Business Bureau (BBB). Reading through both positive and negative reviews can give you a more balanced perspective on the customer experience you might expect.

Financial Strength Requirements for Partners

One important factor when choosing an insurance plan is the financial health of the company behind it. You want to be sure that the carrier has the resources to pay your claims, both now and in the future. SelectQuote addresses this by stating they only partner with insurance companies that have high financial strength ratings, often an “A” or better. This is a significant plus, as it means they are vetting carriers for stability on your behalf. It provides a layer of confidence, knowing that the plans you’re being shown come from companies that are considered financially sound and reliable for the long term.

While this focus on financially strong partners is reassuring, it’s also the reason their selection is limited. SelectQuote works with a specific group of insurance companies, not every carrier on the market. This means that while the plans they offer are from reputable providers, they don’t represent the full spectrum of what might be available to you. There could be other highly-rated, financially stable companies with plans that are a better fit or more affordable, but you won’t hear about them from a SelectQuote agent. This is a key difference between their model and working with an independent broker who may have access to a wider array of options.

Is SelectQuote Financially Stable?

Financial stability is an important factor for any company you do business with, and insurance is no exception. SelectQuote is a publicly traded company, listed on the New York Stock Exchange under the ticker symbol SLQT. This means their financial records are public and subject to regulatory oversight, which adds a layer of transparency.

For you as a customer, a company’s financial health is a good indicator of its longevity and reliability. It suggests they have the resources to maintain their operations, invest in technology, and support their agents and customers over the long term. While you’re technically buying your policy from an insurance carrier (like Humana or UnitedHealthcare), the stability of the agency you work with matters for ongoing service and support.

SelectQuote Reviews: What Are Real Customers Saying?

When you’re trying to understand a company, hearing from real customers is one of the best ways to get the full picture. Looking at reviews and feedback shows you what a company does well and where it might fall short. For SelectQuote, the customer experience seems to vary quite a bit. While many people have a positive story to share, others have run into a few bumps along the road. Let’s look at what people are saying about their experiences, from the good to the not-so-good. This will give you a clearer idea of what you might expect if you decide to work with them.

The Pros: What Customers Appreciate

Many customers have good things to say about SelectQuote, and the numbers seem to back this up. On the review site Trustpilot, the company holds a high rating of 4.1 out of 5 stars, based on feedback from over 10,000 customers. A common theme in positive reviews is excellent customer service, with people feeling well-supported by the agents they work with. The sheer volume of policies they’ve sold—over 1.8 million term life policies alone—suggests that a lot of people trust them to find the right coverage. You can read a curated collection of customer testimonials directly on their website to see these stories for yourself.

High Net Promoter Score (NPS)

Another strong point for SelectQuote is their Net Promoter Score, or NPS. This is a metric companies use to gauge customer loyalty, and SelectQuote scores a 58, which is considered “Great.” This high score suggests that a significant number of their customers are happy enough with their experience to recommend the company to friends or family. The positive feedback often points to a smooth and efficient process. Customers appreciate that agents can quickly compare multiple insurance quotes for them, saving time and effort. Many reviews also highlight the professionalism of the staff, describing them as friendly and knowledgeable, which contributes to this strong indicator of customer satisfaction.

The Cons: Where SelectQuote Falls Short

On the other hand, not every customer walks away happy. Some of the most common complaints center on the application process and follow-up from customer service. A few reviews suggest that the experience can be less than smooth, particularly for applicants who have existing health conditions. While SelectQuote aims to simplify shopping for insurance, some customers have found the process to be frustrating. These issues seem to be a recurring theme in less favorable SelectQuote life insurance reviews, indicating that the level of service might not be consistent for everyone. It’s a reminder that individual experiences with large brokers can differ significantly.

Aggressive Communication and Sales Tactics

One of the most frequent complaints about SelectQuote involves its follow-up communication. Many people report receiving a high volume of persistent phone calls after submitting their information for a quote, sometimes describing the contact as harassing. This experience is often linked to a high-pressure sales culture where agents may be working to meet demanding quotas. For older adults who are simply trying to gather information, this aggressive approach can feel overwhelming. This type of sales environment can unfortunately lead to manipulative tactics that leave potential customers feeling pressured rather than supported, which is the opposite of what you need when making important healthcare decisions.

Inconsistent Ratings and Lack of Response

While SelectQuote maintains a solid 4.1-star rating on Trustpilot, a closer look reveals a mixed bag of customer experiences. The positive reviews often praise the initial help from agents, but the negative ones tell a different story. A significant concern is the company’s lack of engagement with unhappy customers online. For example, on Trustpilot, SelectQuote has only replied to a very small percentage of its negative reviews. This lack of response can be a red flag for those who value accountability and want to know that a company will be there to resolve issues if they arise after a policy is sold.

Unexpected Price Increases

Another point of frustration for some customers is a disconnect between the initial quote and the final price. Several reviews describe feeling pressured by agents, only to find that the premium for their policy was significantly higher than what they were first told. There are also reports of applicants being denied coverage without a clear explanation, which can be especially disheartening for people with existing health conditions. This inconsistency in pricing and communication can create a frustrating experience for customers who are looking for straightforward and reliable insurance coverage, making the process feel less transparent than it should be.

What’s the Application Process Really Like?

Getting a life insurance or Medicare plan is a detailed process, and it’s one area where SelectQuote’s customer experiences diverge. Even the company acknowledges that, “Sifting through all the options, prices and fine print can be overwhelming.” For many, having an agent to guide them is a huge help. However, some customers report feeling rushed or that the application took longer than expected. This seems to be especially true for those with more complex health histories. If you are in perfect health, the process may be straightforward, but it’s worth preparing for a detailed application if your situation is more complicated.

Reports of Long Delays and Unclear Denials

A common point of frustration found in customer feedback is the length of the application process. Some customers report issues with contacting agents for updates and mention significant delays, especially when medical checks or records are involved. This seems to be a more frequent problem for applicants with existing health conditions, whose applications naturally require more attention and follow-up. When you’re waiting for a decision on your coverage, unclear communication and long waits can be incredibly stressful. These reports suggest that while the initial sales process might be quick, the back-end processing may not always keep the same pace, leaving some customers feeling left in the dark.

How Is Their Customer Support?

Customer support is another area with mixed feedback. On paper, the company’s support looks strong. SelectQuote has promoted its Net Promoter Score (NPS) of 58, which is considered a “Great” score in the industry. An NPS measures customer loyalty, so a high score suggests that many customers would recommend the company to friends and family. However, this high-level score contrasts with individual complaints about service. This could mean that while the majority of interactions are positive, the negative experiences can be particularly frustrating for those who have them. It highlights a potential lack of consistency in the service quality you might receive.

Does SelectQuote Listen to Customer Feedback?

SelectQuote’s entire business model was built to address a major customer need: the ability to easily compare insurance plans. The company was one of the first to offer unbiased comparisons from many highly-rated insurance carriers, giving people the power to choose the best policy for their needs. This approach shows a fundamental understanding of what customers want—clarity and choice in a complicated market. This founding principle continues to be a key part of their identity and response to the market.

Legal and Ethical Concerns

U.S. Department of Justice Lawsuit

Allegations of Kickbacks and Deceptive Sales

It’s important to be aware of some recent legal issues involving SelectQuote. The U.S. Department of Justice has filed a lawsuit against the company, raising serious questions about its sales practices. The suit alleges that SelectQuote engaged in a kickback scheme where agents were illegally paid to enroll people in certain Medicare Advantage plans. This kind of practice can compromise the quality of advice you receive. The lawsuit, which prompted investors to sue the company, covers a five-year period, suggesting a pattern of behavior that could understandably make consumers wary.

Beyond the lawsuit, there are also concerning reports from former employees and customers about a high-pressure sales culture. These accounts describe agents being pushed to use manipulative tactics, especially with older adults. In our own in-depth review of SelectQuote, we found allegations of agents making misleading promises—like offering grocery benefits that weren’t actually part of a plan—just to make a sale. This kind of approach can create a lot of frustration and undermines the trust you need to have in your insurance agent. It’s a strong reminder to always be careful and make sure the guidance you get is focused on your needs, not a sales quota.

SelectQuote vs. The Competition

Choosing a Medicare broker is a big decision, and it helps to know who the key players are. SelectQuote is one of the largest and most well-known brokers, but it operates in a crowded field. When you see their commercials on TV, it’s easy to think they’re your only option, but that’s far from the truth. Understanding how they stack up against the competition can help you decide if their approach is the right one for your needs.

Different brokers offer different experiences. Some, like SelectQuote, are large, publicly traded companies that rely on technology and large call centers to serve millions of customers. Others are smaller, independent agencies that focus on building personal, long-term relationships with their clients. Neither approach is inherently better—it all comes down to what you’re looking for. Do you prefer a quick, tech-driven process, or do you want a dedicated agent you can call by name for years to come? We’ll look at how SelectQuote compares in terms of service, price, and the options they provide.

Who Are SelectQuote’s Main Competitors?

When you start looking for Medicare plans, you’ll find several alternatives to SelectQuote. Competitors like Policygenius and eHealth operate similar online marketplaces, allowing you to compare quotes from various insurance carriers. Others, like GoHealth and HealthMarkets, are also major players in the insurance brokerage space. Then there are independent brokers like us at The Big 65. We focus on providing personalized, one-on-one guidance to help you find the right plan without the pressure of a large call center. Each of these alternatives offers a slightly different approach to helping you secure coverage.

How Does SelectQuote Rank Among Brokers?

SelectQuote is a major force in the insurance market. As a publicly traded company, it has significant resources for advertising and technology, which has helped it become a household name. This scale allows them to work with a wide range of insurance companies and serve a large volume of customers across the country. While they are one of the biggest players, their market position is often compared to other large brokers like eHealth and GoHealth. Their size gives them broad reach, but it also means their business model is built on volume, which can influence the customer experience.

Service Quality: SelectQuote vs. Others

Customer service is where you’ll find one of the biggest differences between brokers. SelectQuote holds a customer service rating of 4.1 out of 5 on Trustpilot, which shows that many customers have a positive experience. However, a common theme in less favorable reviews is feeling rushed or passed between different agents. In contrast, working with an independent broker often means you have a single point of contact. This person gets to know you and your specific needs, providing consistent support year after year. The right choice depends on whether you value the convenience of a large platform or the personal touch of a dedicated agent.

Price and Value: How Do They Compare?

One of the best things about using a broker is that their service is free to you. Brokers are compensated by the insurance companies they partner with, so you don’t pay a fee for their help. The price you pay is simply the monthly premium for your insurance plan. SelectQuote is known for its ability to provide competitive rates by quickly comparing plans from many different carriers. The real value of any broker, however, lies in their ability to find the plan that best fits your healthcare needs and budget, ensuring you don’t overpay for coverage you don’t need or miss out on essential benefits.

Coverage Options: Who Offers More?

Most large brokers, including SelectQuote, offer a wide array of coverage options. They typically partner with dozens of national and regional insurance carriers to provide Medicare Supplement (Medigap), Medicare Advantage, and Part D prescription drug plans. This variety is a key advantage, as it gives you plenty of choices. However, the sheer number of options can also be overwhelming. An independent agent may work with a more curated list of top-rated carriers but can provide deeper insight into the nuances of each plan, helping you find the perfect fit without getting lost in the details.

Customer Support and Tools: A Head-to-Head Look

SelectQuote and other large online brokers invest heavily in technology to make the insurance shopping process more efficient. They offer online tools that allow you to compare plans and get quotes on your own before speaking with an agent. This tech-forward approach is great for people who are comfortable doing their own research online. The support model is typically built around a large team of licensed agents available by phone. This differs from the support you’d get from a smaller agency, which is often more hands-on and relationship-based, providing guidance that extends beyond the initial sale.

What’s It Like to Work at SelectQuote?

Understanding a company’s internal culture can tell you a lot about the service you can expect to receive. When agents are happy, well-trained, and supported, they’re more likely to provide you with thoughtful, patient guidance. When it comes to SelectQuote, reviews from employees paint a complicated picture. While the potential for high earnings is a significant draw, many current and former employees report a demanding and high-stress work environment. This contrast between high pay and a difficult culture seems to be a defining feature of working there. Let’s look at what employees have to say about their experience.

A Look Inside the Company Culture

Many remote sales agents describe a work environment that is heavily controlled and monitored. If you’re picturing a flexible work-from-home job, this might not be it. Employees frequently mention feeling “chained to your desk,” with some reporting that they are required to be on camera or in Zoom calls for their entire shift. This level of micromanagement is a common theme in employee reviews, suggesting a culture that prioritizes constant activity and oversight. For customers, this could mean you’re speaking with an agent who is under immense pressure to perform, which may affect the quality and pace of your conversation.

Quota-Driven Sales Environment

A recurring theme in employee feedback is the intense, quota-driven sales environment. Former employees often describe a culture where the primary focus is on hitting specific sales targets. Since agents are typically paid by commission, their income is directly tied to the number of policies they sell. While this structure is common in the industry, it can create immense pressure in a high-volume setting. For customers, this can sometimes translate into an experience that feels rushed. Some people have reported that the agent’s main goal seemed to be closing the sale quickly, which can be concerning when you’re making a critical decision about your long-term healthcare coverage. This pressure is a key reason some customers feel they are subjected to high-pressure sales tactics.

Understanding Employee Compensation and Pay

The main incentive for agents at SelectQuote appears to be financial. The company’s commission-based structure offers the potential for a high income, which attracts many to the role. Some agents report earning between $80,000 and $100,000, with one long-term employee claiming to make $175,000 in their fourth year. This significant earning potential is likely why many people stick with the job despite the challenges. However, a commission-heavy pay structure in any sales role can create a high-pressure environment where the focus is on closing deals quickly rather than providing in-depth, personalized consultations.

Are There Opportunities for Career Growth?

Effective training is essential for any insurance agent, especially in a field as complex as Medicare. Unfortunately, some employees feel the training at SelectQuote is lacking. New agents may primarily learn from pre-recorded videos rather than interactive, hands-on sessions. Furthermore, the ratio of agents to managers can be extremely high—sometimes as many as 70 agents to one manager. This structure can make it difficult for agents to get the personal guidance and support they need to handle complex client situations. For you, this could mean working with an agent who hasn’t had their specific questions answered by an experienced mentor.

What Is the Work-Life Balance?

A healthy work-life balance is often out of reach, according to many employee accounts. The demanding nature of the job leads some to describe it in harsh terms, calling it a “toxic relationship” or saying they feel like a “slave” to the work. This sentiment is often tied to long hours and the relentless pace of the job. Employees have also mentioned that management may not be very sympathetic to personal problems, reinforcing a culture where work comes first. An agent who is overworked and burned out may not have the energy or patience to give you the careful attention your Medicare decisions deserve.

What Do Employees Really Think?

When you combine high call volumes, long shifts, and intense pressure, the result is often a mentally tiring job. Some agents handle more than 400 calls a day during 8- to 10-hour shifts. While the pay can be a strong motivator, the stress can take a toll. This internal pressure can sometimes spill over into the customer experience. In fact, some industry analyses suggest a connection between the company’s internal environment and its issues with customer service. Ultimately, a stressful workplace for employees can easily become a frustrating experience for customers.

Is SelectQuote the Right Choice for You?

Deciding on a Medicare plan is a big step, and choosing the right partner to help you is just as important. SelectQuote is a well-known name, but whether it’s the best fit depends entirely on your personal situation and what you’re looking for in a broker. Think about your health needs, how comfortable you are with a fast-paced sales process, and whether you prefer speaking with a dedicated agent or a different person each time you call. Answering these questions will help you determine if their model aligns with your expectations.

Who Should Use SelectQuote?

SelectQuote can be a solid option if you are in excellent health and comfortable shopping for insurance online or over the phone. If you don’t have chronic conditions like diabetes or heart issues, their streamlined process might get you a policy quickly and efficiently. Their agents handle a high volume of calls, so they are practiced at moving through the application process. This approach works well for individuals who have straightforward needs, have already done some research, and are mainly looking to compare prices on standard plans from major carriers. It’s a good fit for the self-directed consumer who wants to see a range of quotes without needing deep, personalized guidance.

What to Consider Before You Sign Up

With over 35 years in the business, SelectQuote has a long history in the insurance industry. They have helped millions of people find coverage, which speaks to their experience and reach. However, it’s important to consider their business model. As a large call center, your experience may feel less personal than working with a local or independent agent. Some customers report feeling rushed or receiving numerous follow-up calls. When you’re thinking about SelectQuote, weigh the convenience of their one-stop-shop approach against your desire for a dedicated agent who knows your name and understands your specific health and financial situation over the long term.

Working with Generalist Agents vs. Specialists

One of the most important distinctions to understand is the difference between a generalist and a specialist. At a large marketplace like SelectQuote, agents are often generalists. They are licensed to sell many types of insurance, including life, auto, home, and Medicare. While this breadth of knowledge can be useful, it often means they don’t have the deep, focused expertise that comes from working exclusively with Medicare. A specialist, in contrast, dedicates their entire practice to Medicare. They understand the intricate details of Medigap, Advantage, and Part D plans and how they interact with your specific health needs and local healthcare networks.

The right choice for you depends on your situation. If you are in great health and simply want to compare prices on basic plans, the efficient, high-volume model of a generalist agency might work well. However, if you have complex health issues, a long list of prescriptions, or simply want a dedicated partner for the long haul, a specialist is often a better fit. An independent agent who focuses only on Medicare can provide more personalized support, helping you find a plan that truly covers your needs and offering dedicated attention for years to come. This ongoing relationship can be invaluable as your healthcare needs change over time.

What Are Your Other Options?

You have many choices when it comes to finding Medicare coverage. Other large online brokers, like Policygenius or eHealth, offer a similar experience to SelectQuote, allowing you to compare multiple quotes at once. However, another path is to work with an independent agent or a smaller, specialized agency. Unlike a call center model where you might speak to a different person each time, an independent agent provides one-on-one support. They can take the time to understand your unique health needs, explain the nuances between plans, and offer a more personalized level of service from enrollment through the life of your policy. This is often a better route for those with more complex health histories.

Making the Final Call: A Checklist

To make the best decision, start by looking inward at your own needs. Ask yourself a few key questions: How complex are my health needs? Do I want a dedicated person I can call directly with questions? How much guidance do I need to understand my options? SelectQuote’s model is built to compare prices and coverage from the carriers they partner with, which is great for straightforward price shopping. If your priority is finding the absolute lowest premium for a standard plan and you’re comfortable with a quick, phone-based process, they could be a good match. If you want a deeper relationship and more tailored advice, you might be happier with an independent broker.

Ready to Move Forward?

Before you pick up the phone, take a moment to prepare. Make a list of your doctors, specialists, and any prescription medications you take. Having this information ready will make any conversation with a broker—whether it’s with SelectQuote or an independent agent—much more productive. Think about your budget and what you’re comfortable paying in monthly premiums and potential out-of-pocket costs. Once you’re prepared, you can confidently explore your options. Consider getting quotes from a few different sources to compare not just the prices, but the quality of the advice and the feel of the customer service experience.

Frequently Asked Questions

Is there a fee for using SelectQuote‘s service? No, you don’t pay anything to use SelectQuote. Like other insurance brokers, they are paid a commission by the insurance company you choose to enroll with. This means the monthly premium for your plan is the same whether you buy it through them, another broker, or directly from the insurance carrier.

Will SelectQuote show me every single Medicare plan available to me? Not necessarily. SelectQuote has a large network of insurance partners, but they don’t represent every carrier in every state. The plans their agents can show you are limited to the companies they have agreements with. This means there could be other plans in your area, potentially from smaller or regional carriers, that they won’t present as an option.

Since SelectQuote agents work on commission, will their advice be biased? It’s a fair question to ask about any commission-based role. While agents are licensed and regulated, their income is tied to selling policies from the carriers SelectQuote partners with. This structure can create a high-pressure environment focused on closing a sale. A good agent will always prioritize your needs, but it’s helpful to remember that their recommendations will be drawn only from their specific portfolio of products.

What is the biggest difference between using a large broker like SelectQuote and an independent agent? The main difference comes down to the service model and relationship. A large broker like SelectQuote typically operates like a call center, where you may speak with different agents and the process is built for speed and volume. An independent agent usually offers a more personal, one-on-one relationship. You work with the same person year after year, and they get to know you and your specific health needs, providing consistent support long after you’ve enrolled.

If I enroll in a plan through SelectQuote, who provides customer service for my policy? Once your policy is active, the insurance carrier itself—the company whose name is on your ID card, like Humana or Cigna—is your primary contact for questions about claims, benefits, and coverage. SelectQuote acts as the agency that facilitated your enrollment. While you can call them with issues, your day-to-day service relationship will be with the insurance company.