Get No-Cost Help

Why our help is actually no-cost.

Independent Medicare brokers like us are paid a commission by the insurance carrier when a client enrolls — and federal Medicare regulations require every broker to earn the exact same rate from every carrier. That's why our help is no-cost to you: we're paid by whichever carrier you choose, never by you, and we have no financial reason to recommend one carrier over another. Your monthly premium is identical whether you enroll through us or directly with the carrier — but you get a licensed advocate for life.

The short answer

When you enroll in a Medicare Advantage, Medigap, or Part D plan—whether you do it yourself on a carrier's website, by calling 1-800-MEDICARE, or through a licensed broker like us—the carrier pays a standardized commission for that enrollment. The premium you pay is identical either way. The only difference is who answers the phone the next time you have a question.

The two ways to enroll

Both paths cost you the same. Here's what you actually get with each:

Where the commission actually comes from

Carriers build a small commission allowance into the operating cost of every plan, the same way any business builds in cost-of-distribution. That allowance is roughly the same whether the plan is sold by:



• The carrier's in-house phone reps
• The carrier's online sign-up tool
• An independent broker like Even Better

It's not an "extra fee" for using a broker. It's already in the plan price either way. CMS standardized the amounts back in 2008 specifically to prevent agents from having a financial incentive to steer beneficiaries toward higher-commission plans.

Common questions

"So you really make nothing from me?"

Correct. You will never see a charge from us, never owe us a dollar, never have a fee deducted from your benefits. Our compensation comes from the carrier whose plan you enroll in—at a CMS-set rate.

"Are commissions really the same between carriers?"

For Medicare Advantage and Part D plans: yes, federally standardized within product type and renewal status. For Medigap (regulated at the state level): commissions can vary slightly by carrier, but our policy is to recommend by fit, not by commission. We're happy to disclose specifics on request.

"What if I want to switch plans next year?"

No charge. Annual reviews are part of working with us forever. If switching makes sense, we'll handle the new enrollment paperwork. If staying makes sense, we'll tell you that too—even though we don't get a renewal bump for talking you out of switching.

"What's the catch for you?"

The bet we're making is on lifetime value. If we treat you well for 10 years and you tell three friends, we've done well. If we steer you into a bad-fit plan to chase a one-time commission, we're done. The math on relationships beats the math on transactions.

"Are you required to disclose this?"

CMS requires brokers to disclose that commissions exist when asked—we're going beyond that and disclosing proactively. Transparency is the whole pitch.

One more thing

You should never pay a Medicare broker out of pocket for enrollment help. If anyone asks for an upfront fee, hourly rate, or "consulting charge" to enroll you in a Medicare plan, walk away and report them to your state's Department of Insurance. That's not how Medicare brokers work in the United States.

Talk to a licensed agent—no cost, no pressure.

30-minute call. We'll review your situation, compare plans available in your area, and answer your questions. No obligation, ever.