The Captive Agent is an agent employed by the individual Insurance Company. While the captive agent is probably honest and governed by carrier standards, there are a few things to consider.
1) The Captive Agent only represents one plan, the one he/she is employed with. You will not get a good comparison with the other choices that are out there.
2) Sometimes, you will be speaking with a Temp. It is a little scary because sometimes important plan items are omitted, like deductible or coverage parameters.
3) What if you have questions after signing up? Well, one thing is certain: You will not be able to reach that agent on the phone again. The 800 number will send you to the next available agent.
4) A Medicare Advisor, like yours truly, is paid when an individual plan renews. Therefore, he/she has a vested interest in keeping clients, and their satisfaction with his/her services is extremely important.
Mike Miligi- Owner- Michael M Insurance Services
For over 10 years Mike has been assisting Seniors and other Medicare eligible individuals understand the ins and outs of Medicare and Medicare Health Insurance options including Medicare Advantage Plans(Part C), Medicare Supplement Plans(Medigap), Prescription Drug Plans(PartD) and Dental and Vision programs.
Mike is Licensed in 7 States and Certified with 11 Insurance Carriers and has helped thousands of individuals decide on the best course of action for their particular Health Insurance needs. Because Mike is an Independent Medicare Health Insurance Broker, he works for the client not the Insurance Carriers and is able to provide his clients with accurate and unbiased Health Insurance options.
