Medicare quotes do not vary from agency to agency for the same plan from the same insurance company. Plan premiums and benefits are standardized by CMS, so a Plan G from Company X will cost exactly the same whether you purchase it through Agency A or Agency B. The price is set by the insurance company and regulated by Medicare.

What does vary between agencies is which insurance companies they represent, the quality of service and support they provide, and the availability of certain plans if agencies don’t contract with all insurers. Independent agents and agencies represent multiple insurers and help beneficiaries compare options in their area, but they may not have contracts with every insurance company available in your region.

Licensed agents earn commissions directly from insurers for enrollments, and their compensation is tied exclusively to contracted insurers. This means some agents might recommend plans from companies they represent rather than exploring all available options.

When shopping for Medicare coverage, the actual quotes for identical plans will be the same regardless of which agency provides them.