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The One Thing That Still Protects Seniors in Medicare: An Honest Agent

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There’s a lot of noise in Medicare these days. Shrinking networks. disappearing plans. splashy $0 ads that leave out half the story.


But here’s the truth.


A strong Medicare agent can cut through all of it by acting like a fiduciary guide. even when the rules don’t require it.


Mary Manos Mitchem from M3 Insurance sums it up:

“You can’t serve seniors well if you hide half the menu.”

And Alexis Mitchem, her partner, backs her up:

“My job is to protect their health and their wallet. That starts with honesty.”

Here’s what that looks like in practice.

  • M3 Puts the Client’s Needs First

  • Act like a fiduciary.


Show people the plan that fits their health. doctors. drugs. and budget. not the plan that fits a carrier’s bonus structure.


Tell clients plainly: “I work for you.”


M3 Shows More of the Market Than Any Single Carrier Will


Use Medicare.gov’s Plan Finder in front of clients.


Show them plans you cannot sell.


If a better plan sits outside your book. say so. and show them how to enroll.

Most agents won’t do that.


That’s exactly why you should. We Follow a Needs-First Discovery Process. Document the basics.

  • Conditions

  • Doctors

  • Prescriptions

  • Pharmacies

  • Travel habits

  • Budget

  • Risk tolerance


Then compare plans on networks. drug tiers. annual cost. and the hidden “gotchas” seniors never see in the ads.


M3 Explains the Tradeoffs Clearly

We don’t sugar-coat the downsides:

  • Narrow networks

  • Prior authorization

  • Step therapy

  • Shrinking benefits

  • Higher MOOP than expected


When carriers pull or shrink plans. we call your clients and walk them through what changed and what’s realistic this year.

  • We Use Transparency and Compliance as Trust Builders

  • Follow the CMS rules cleanly.


No pressure tactics. no fuzzy language. no bait-and-switch ads. Teach clients how to spot red flags: fake Medicare calls. generic TV ads promising “free money.” forced steering into one carrier.


This isn’t just good business. It’s protection. We connect clients to non-sales resources, and point people toward:

  • SHIP

  • 1-800-MEDICARE

  • Extra Help

  • Medicaid/MSPs

  • D-SNPs when appropriate


Help them understand their full range of options. not just the ones that earn commissions.


Where It Leaves You


M3 is a full-disclosure Medicare guide who:

  • Shows every realistic option.

  • Documents everything.

  • Explains tradeoffs plainly.

  • Calls clients each year to audit changes.


Mary and Alexis already live this.


It’s why their clients stay.


It’s why M3 continues to grow.

 
 
 
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