Medicare guidance should start with you, not a plan.
Medicare comes with plenty of choices, terminology and fine print. Medicare Universe gives you a personal resource to help make sense of it all. We take time to understand your healthcare needs, doctors, prescriptions, priorities and budget before helping you explore your coverage options.
Understand your options before making a decision. No rush and no pressure.
More options. Less legwork. A real person to help.
You can research Medicare plans on your own or contact insurance companies individually. But when you contact one insurance company directly, the conversation naturally centers on that company's products.
A Medicare broker offers a different approach. Medicare Universe can help you compare coverage from multiple insurance carriers we represent, explain the differences and help you evaluate how each option may fit your individual healthcare needs.
Compare Multiple Carriers
Instead of making separate calls to different insurance companies, we can help you review options from the carriers Medicare Universe represents.
Look Beyond the Premium
Monthly premium is only one piece of the picture. Doctors, hospitals, prescriptions, copays, networks and other costs can all affect how well coverage fits you.
Medicare in Plain English
We explain Medicare in straightforward language so you understand what you are choosing and can make your decision with greater confidence.
One carrier's plans or a broader conversation?
Working with a broker can simplify the process by giving you one place to discuss your needs and compare the options Medicare Universe is authorized to offer.
The conversation starts with their products.
- Review the plans offered by that insurance company
- Contact other carriers separately if you want to compare
- Repeat information about your needs with each company
- Sort through the differences on your own
The conversation starts with you.
- Start with your health needs, priorities and budget
- Compare options from multiple carriers we represent
- Review doctors, medications and other important details
- Have one person help explain your choices
- Get support through enrollment and beyond
You should never feel like just another policy number.
Medicare Universe was built around a simple idea: Medicare guidance should feel personal. You deserve the time to ask questions, understand your choices and work with someone who takes the time to learn what matters to you.
Personalized Guidance
Your healthcare needs are different from everyone else's. Our guidance reflects that.
Education Before Enrollment
We want you to understand your options before you decide what coverage makes sense.
One Person Who Knows You
You have a personal Medicare resource instead of starting over each time you have a question.
Support Beyond Enrollment
Medicare questions do not stop after enrollment, and neither does our relationship with you.
A simpler way to navigate Medicare.
You do not need to become a Medicare expert. We help organize the process into three straightforward steps.
We Listen
We learn about your doctors, prescriptions, healthcare needs, budget and the things that matter most to you.
We Compare and Explain
We review appropriate options from the carriers we represent and explain the differences in clear, straightforward language.
You Decide
The final choice is always yours. When you are ready, we can help guide you through the enrollment process and what happens next.
What does it cost to work with Medicare Universe?
There is no additional fee to you for Medicare Universe's Medicare education, plan comparison and enrollment assistance. Insurance carriers compensate licensed agents when eligible clients enroll in plans the agent is authorized to offer.
That means you can have a licensed Medicare professional help you understand your options and navigate the enrollment process without adding another bill.
Medicare Universe does not represent every plan available in every area. Plan availability and eligibility vary by location and individual circumstances.
Frequently asked questions
A few common questions people have when deciding whether to work with a Medicare agent or broker.
Why should I use a Medicare broker?
Does it cost more to use Medicare Universe?
Can you compare Medicare plans from different insurance companies?
Will you check whether my doctors and prescriptions are covered?
Do I have to change Medicare plans if I speak with you?
Can Medicare Universe help after I enroll?
Medicare guidance built around you.
Whether you are new to Medicare, reviewing your current coverage or simply trying to understand your options, Medicare Universe is here to help make the process easier.