Insurance Brokers Direct Inc.
Your source for Medicare supplement and Medicare Advantage policies.
What We Do
When shopping for insurance, most people are unaware that there are different kinds of agents they can work with. Choosing the right one can make a big difference in securing the best combination of price and value.
With a captive insurance agent, you only get the guidance of one company that sells one brand of insurance. With an independent insurance agent, or broker you might get up to eight or more choices.
This is because an independent insurance agent represents multiple brands, and can compare coverage and prices to find the best possible value for your individual circumstances. Independent agents are usually vested members of your community who are committed to doing business both over the phone and face-to-face, being your advocate in times of need.
We're Independent.
SPECIALIZED.
Areas of specialization. Some agents and agencies have experience in specialized products, such as auto insurance, or property and casualty, or individual. Although IBD focuses on the senior market and offers most Medicare supplement and Medicare Advantage plans, we also offer everything from whole and term life, hospital indemnity, accidental, medical expense, critical illness, dental and even limited benefit plans!
HIGHLY RATED.
Recommendations and referrals. How did you hear about the agent and the agency? Did someone you trust refer you? Ask the person for specific details about the experience.
“My agent at IBD made understanding Medicare and my different options simple and stress free. I would recommend them to anyone who needs help with understanding the confusion associated with Medicare.” Mr. J. Georgio
FULLY-SERVICED.
Is this a full-service agency for life, dental, health, life, and disability products? Yes we are! We offer a full menu of products and are contracted with multiple, top rated carriers for both Medicare supplements and Medicare Advantage plans.
FULLY LICENSED.
Insurance Brokers Direct Inc. is licensed in 35 states! All but Alaska, Colorado, Connecticut, D.C., Hawaii, Maine, Massachusetts, Minnesota, Montana, New Hampshire, New York, North Dakota, Rhode Island, Vermont, and Washington.
FULLY COMMITTED TO HELPING YOU.
Service oriented agents. The same agent will handle your account as long as you’re a client. Providing routine updates and transactions. All clients have a dedicated toll free number that rings directly to their Agent of Record at all times.
Need Help Picking a Plan?
MEDICARE
SUPPLEMENT
- Also called Medigap
- No networks
- Can pay 100% of deductibles, copays & coinsurance associated with Original Medicare
- Guaranteed renewable each month, as long as you pay your premiums, your coverage will never change
- Must be medically underwritten if 65.5+ years of age in most cases
- Prices vary between $100-$200 per month in most areas
MEDICARE
ADVANTAGE
- Also called Part C
- Has networks (HMOs, PPOs)
- Limits you to copays in most cases instead of costs normally associated with Original Medicare
- Annual contracts, locked in 1 year at a time, plans and benefits subject to change annually
- Typically no health questions are asked except for ESRD (end stage renal disease)
- Prices vary between $0-$100 per month in most areas