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To compete well, you’ll need to choose products that are available, competitive, and tailored to fit your customers’ best interests. When you're selling Medicare, you actually have several product options to consider. Carriers will often require you to take product-specific courses alongside your AHIP training. Patient advocates expressed concern that while it is fairly common for a plan to reverse a coverage decision upon appeal, actual appeals by beneficiaries are infrequent. Agents and health plans together represented 36 percent of search records (20% for agents and 16% for health plans). However, there is no explicit imperative or financial incentive for agents to behave this way. Agents are not required to disclose that they do not offer all available plans and beneficiaries may not recognize that agents may not present all options available to them. According to industry experts, agents are also important because many are multilingual and are usually embedded in the commu...