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All Medicare agents and brokers must be licensed to operate in your state. You can use the NAIC locator tool to get in touch with your state insurance department to verify if someone claiming to be an insurance agent or broker is licensed. The State Health Insurance Assistance Program is a free health benefits counseling service for Medicare beneficiaries. Third, beneficiaries’ experience with their agents and the overall quality of the service are not factored into the commission model, although there is precedence for this within Medicare. For example, MA and Part D plans are measured through the star ratings program and are compensated differently for delivering a high-quality member experience. Pay-for-performance could be considered part of the compensation model for agents and agencies. Each of the organizations we represent has a Medicare contract. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientati