Independent Medicare Broker

Medicare Planning is an independent Medicare broker — not a captive agent tied to one insurance company, and not a call center reading from a script. We're licensed across 10 states and work with dozens of top-rated carriers, which means our advice is based on what fits your health needs and budget, not on which company we're required to sell for. Our guidance is always free; insurance carriers pay us, not you.

Schedule a Free Consultation — or call us at 800-577-2075.

What Is an Independent Medicare Broker?

An independent Medicare broker (sometimes called an independent Medicare agent) is a licensed professional who represents multiple insurance carriers rather than working for just one. This is the key difference between an independent broker and a "captive" agent:

Captive agent – Works for a single insurance company and can only sell that company's plans, even if a competitor's plan would serve you better.
Independent broker – Represents multiple carriers and can compare plans side by side, recommending whichever plan actually fits your doctors, medications, and budget — not a sales quota.

Because independent brokers are paid by the insurance carriers (not by you), working with one costs you nothing. Your premium is exactly the same whether you enroll through a broker or go directly to the insurance company.

Why Work With Medicare Planning

Carrier-agnostic comparison – We compare Medicare Advantage, Medicare Supplement (Medigap), and Part D plans across our full carrier network, not just one company's lineup.
No cost, no obligation – Our consultations are always free. There's no fee and no pressure to enroll.
Licensed and local – We're licensed Medicare insurance agents across Kansas, Missouri, Texas, Arizona, Colorado, Iowa, Nebraska, Oklahoma, North Carolina, and South Carolina.
Year-round support – We don't disappear after enrollment. We're available for plan reviews, billing questions, and coverage changes throughout the year.

Accredited and Trusted

Medicare Planning is a BBB Accredited Business with an A+ rating from the Better Business Bureau, and holds a 5.0-star rating across 256 Google reviews. We're proud of that track record because it reflects what matters most to us: honest, unbiased guidance for every person we work with, whether it's your first Medicare enrollment or your tenth annual plan review.

BBB Accredited Business, A+ Rating – Verified by the Better Business Bureau for ethical business practices and responsiveness to customer concerns.
5.0 stars on Google (256 reviews) – Real feedback from clients we've helped enroll in and manage their Medicare coverage.
DBR Insurance, LLC – Licensed under National Producer Number (NPN) 16935763.

Medicare Broker vs. Medicare Agent: What's the Difference?

These terms are often used interchangeably, but there's a technical distinction. A Medicare agent helps you compare and enroll in plans from the carriers they represent — this can be one carrier (captive) or several (independent). A Medicare broker generally represents an even broader range of carriers and works on your behalf throughout the process. In practice, an independent Medicare agent and an independent Medicare broker offer the same core benefit: unbiased access to multiple carriers instead of a single company's plans.

States We Serve

Medicare Planning is licensed to help Medicare beneficiaries in the following states. Select your state below to find local resources, or contact us directly for personalized help no matter where you're located within our licensed states.

Frequently Asked Questions

Does it cost anything to work with an independent Medicare broker?

No. Independent Medicare brokers are paid by the insurance carrier when you enroll in a plan. You pay the exact same premium whether you enroll through a broker or directly with the insurance company.

Is an independent broker better than going straight to Medicare.gov?

You can absolutely research and enroll on your own through Medicare.gov. Many people prefer working with an independent broker because we can walk you through plan details, check whether your specific doctors and prescriptions are covered, and answer questions in plain language — all at no extra cost.

What's the difference between a Medicare broker and a Medicare agent?

The terms are often used interchangeably. Technically, an agent helps you enroll in plans from the carriers they represent (one carrier if captive, several if independent), while a broker typically represents an even wider range of carriers. An independent agent and an independent broker both offer unbiased access to multiple companies' plans.

Which states is Medicare Planning licensed in?

Medicare Planning is licensed in Kansas, Missouri, Texas, Arizona, Colorado, Iowa, Nebraska, Oklahoma, North Carolina, and South Carolina.

Is Medicare Planning BBB accredited?

Yes. Medicare Planning is a BBB Accredited Business with an A+ rating from the Better Business Bureau, and also holds a 5.0-star rating across 256 Google reviews.