The Questions
- Are you independent, or do you work for one carrier?
- How many carriers do you actually run quotes from for each client?
- Are commissions the same across carriers for the product you're recommending?
- Will you check that my current doctors are in-network before I enroll?
- Will you run my prescription list against the plan's formulary?
- Will I be assigned a specific agent or rotate through a call center?
- Do you proactively review my plan each year during AEP?
- How do you handle compliance - what's your CMS marketing review process?
- Can you provide references from clients in my situation?
- Are you available by phone year-round or only during open enrollment?
What the Answers Should Sound Like
Honest, specific, and without hedging. If you get scripted answers or a hard sell, look elsewhere.
Why We Wrote This
Because we wish more clients had asked these questions before they came to us - they would have made better choices for themselves earlier.