_AZ_Initial.png)
Michael T Braden August 27, 2024 BRADEN MEDICARE INSURANCE
MEDICARE BROKER VS MEDICARE AGENT
There are two types of Agents. A Captive Agent is only contracted with one Insurance company, meaning they are not allowed to Market or discuss any other Medicare plans from any other company. The second type of Agent is an Independent agent that typically only has 1-3 companies that they are contracted with. While a Medicare Broker, who is still technically an Agent, can represent multiple Insurance companies.
Most Brokers have 4-8 companies they work with, while here at Braden Medicare we are contracted with over 40 of the Top-Rated and most respected Medicare Insurance companies in the United States. This means we have access to more plans, and more plans aside from giving you teh consumer more choices, also gives you access to the lowest premiums.
Because of the relationships we have created and nourished over the years, we have the ability and the obligation to help you find the best Medicare plan to fit your own individual needs. We do this by listening to you and then we get to work by researching and preparing quotes for you based on the information and insights you provide us. Our interest is simply putting your interest, and desires front and center. We hope to earn your confidence and your trust so that we will have the honor of serving you and your family today and for the rest of your tomorrows.
HOW DO BROKERS GET PAID?
The good news is that Medicare brokers get paid by the insurance companies they represent, so there is never a cost for our help, our advice, our services or for our expertise. You pay exactly the same rate for your insurance if you use a Medicare Broker or if you contacted any insurance company on your own. Every company builds commissions into their premiums. There is no extra fee or cost for enrolling through a broker like us. This means you pay nothing, and you get all of the benefits from our years of experience and the Training we must undergo every year. So, then everything I get from you at Braden Medicare is free? Yes, our service is completely free to you.
WHY CHOOSING BRADEN MEDICARE INSURANCE IS THE SMART CHOICE FOR YOUR MEDICARE INSURANCE NEEDS?
The benefit to you is enormous. Braden Medicare includes all of the back-end policy support that you cannot get directly from an insurance company, and the dedicated personal touch that our competition simply cannot or will not offer. We are here to assist you whenever you need help. Whether you are shopping for a new policy or looking for ways to reduce your premiums without losing any of your benefits, questions about billing or researching your Part D Prescription Drug Plans every year. We are dedicated to serving all of our clients like they were members of our extended family, family sticks together and family looks out for each other's best interests.
We happily put you and your interests first, above all else, serving you and your family are what it is all about for us. At Braden MSI Insurance and https://www.bradenmedicare.com, we are not just passionate about what we do, we love helping our clients in any way we can.
Most Medicare Brokers can write a policy for you, some give you information, but I know from experience that no one else can deliver like we do at Braden Medicare Insurance. We will always do our best to break Medicare down to simple terms and will never try to dazzle you with BS! We take pride in providing you with Tips and Insights about Medicare that make it easy to understand.
At our core, we are teachers, mentors and advisors. We are happy to take the time you need to get to to where you not only understand Medicare and all of the moving parts of it, but you will easily be able to help your friends and family with the knowledge and confidence you gain working with Braden Medicare Insurance.
HOW DO I KNOW YOU AREN'T JUST RECOMMENDING COMPANIES WITH THE HIGHEST COMMISSIONS FOR YOUR OWN GAIN?
This question gets asked quite a bit, it is not only a great question, it is an honest question and a great question........................................
I have found that it is more likely for a new broker to be potentially swayed by writing a policy that has a 1% higher commission than another policy because they are trying to build a business and maximize their revenue. However, when you are working with an experienced broker like www.BradenMedicare.com and Braden MSI Insurance, you will find out in short order that we are completely transparent in our approach. We share the quotes that come directly the Insurance companies with you so you can see the rates for all companies with your own eyes.
We understand our role as your advisors and our goal is always that you are 110% satisfied with us. I honestly could not tell you what the commission structures are for each company we are duly licensed and contracted with. This is because of two primary factors:
Medicare is a Government Program so their needs to be full transparency and
It is a very competitive market and as such, is very similar, each company knows what the other companies are paying. It is a very level playing field.
I can tell you that the commissions for Medicare Advantage policies are roughly double what the commissions are for Medicare Supplement plans. I can further disclose that our business is about 70% Medicare Supplement/Medigap policies and 30% Medicare Advantage plans.
Our role is that of an advisor, we listen to your wants, needs and desires with respect to your Healthcare plan. We present you the full, untouched quotes, then we continue to answer your questions in an honest, straightforward manner. We share our thoughts and ideas whenever you call upon us, but we have no hidden agendas.
Because Medicare Supplement plans are standardized , it means that each Plan has the same benefits and the same coverage in every state. We know from experience that the deciding factor to 90% of our clients is price and both our clients and ourselves are aware that the prices are set by each private Insurance company, in every state tehy operate in. No Broker in America has the ability to less expensive rates, as they are set by each state, not by us.
Please feel free to contact us any time by phone at (480) 225-1393, by text message (480) 225-1393 or by email at mike@bradenmedicare.com. At Braden Medicare you can see for yourself what it means to work with a company who not only cares, but they honestly do whatever they can to save you money, while always being honest, answering all of your questions and busting their butts off, with the goal to earn trust. We are a very humble group, we listen first, we ask questions, and you will never feel pressured to do anything. We believe Insurance, especially Health Insurance is a personal decision. We will never talk bad about any other Agents or Brokers, we just believe that we have put in the time, the work and teh ongoing study hours to be better prepared than anyone else, when it comes to Medicare Insurance.
BRADEN MEDICARE INSURANCE IS LICENSED IN 10 STATES
We are Based in Chandler, Arizona which is the 4th largest City in Arizona, and a suburb of Phoenix. In addition to sevicing our awesome clients across teh state of Arizona, we are also licensed in the following states:
Florida
Indiana
Iowa
Nevada
New Jersey
New Mexico
Pennsylvania
Texas
Wisconsin
