Are Brokers Steering Seniors Into the Wrong Medicare Plans?

Lately, there’s been a lot of talk about insurance brokers pushing seniors into certain Medicare Advantage plans — not because they’re the best fit, but because the commissions are higher.

And honestly?

It’s a fair concern.

Medicare shoppers are right to wonder if the advice they’re getting is truly about them — or about someone else’s paycheck.

Here’s the reality:

When commissions vary from one carrier to another, it can create what’s called “steering pressure.” It’s not illegal, but it is dangerous — because it blurs the line between selling a plan and serving a person.

At M3 Insurance, we don’t play that game.

We believe every client deserves a recommendation that starts with their health, their doctors, their prescriptions, and their peace of mind — not with a commission chart.

That’s why our advisors, Mary and Alexis, take the time to ask the right questions and explain the differences between plans — things like:

• Which network fits your current doctors?

• How do your prescriptions fit within the plan’s formulary?

• Are there limits, copays, or out-of-pocket maximums that could surprise you later?

Those details matter more than any commission ever could.

A Word from Mary

“We’ve seen seniors come to us after enrolling through another broker — only to find their doctor’s not covered or their medication moved to a higher tier. That’s heartbreaking, and it’s why we always start with what’s best for the client, not the carrier.”

Alexis Adds

“We’re not here to push a plan. We’re here to protect people. The right plan is the one that fits your lifestyle, your doctors, and your budget — period.”

It's better said by a current M3 client:

"When my husband and I needed to get Medicare, someone recommended Mary and Alexis to us. Mary's understanding of Medicare was evident. She knows the ins and outs of Medicare,  and can provide accurate information about different plans and options. Every question we asked was answered with confidence and clarity. I would recommend Mary and Alexis for anyone looking for a person who understands the whole Medicare process. For a very difficult part of life, they made it clear and understandable.  Thank you." D. Adamovicz

Choosing Medicare coverage isn’t about who gets paid what — it’s about who you can trust.

At M3 Insurance, that trust isn’t just something we talk about — it’s how we do business.

If you’re sorting through Advantage options this Annual Enrollment Period and want someone who’ll tell you what’s best for you — not for the broker — reach out today.

👉 Sounds complicated? That’s because it is.

Rely on M3 Insurance to help you make the right call — for the right reasons.