Navigating Medicare insurance and all its nuances can feel like reading a foreign language blindfolded. Every year benefits can change, there seems to be new laws and rules every year, and professional jargon. Most people would rather visit the dentist than compare Medicare options. Yet the stakes couldn’t be higher. The agency you choose doesn’t just affect your wallet—it influences how easily you access care, whether your prescriptions are covered, and how confidently you can manage your health. And when you’re looking for the best health insurance agency in Green Bay WI, accessibility and knowledge are both important; And they both can be found atOnMedicare Insurance Agency.
Not all insurance agencies are built the same. Some go above and beyond to educate and support their clients, while others see people as walking commissions. If you’ve ever been blindsided by a surprise medical bill or spent hours on hold trying to get help, you know what we’re talking about.
So how do you separate the good from the bad? Whether you’re new to the area, turning 65, or just fed up with your current coverage, here’s what to keep in mind as you search for a health insurance agency in Green Bay WI that you can trust.
Beware of the Random Phone Call
Let’s start with the most common trap: unsolicited calls. If your phone rings and someone you’ve never heard of starts pitching you a health insurance plan, hang up. It seems like these calls come from all around the world. They have absolutely no real connection to you or Green Bay WI, and most of them do not have an interest in your well-being or in the Green Bay Packers. The people on their end are trained to make fast sales—not to build long-term relationships.
They’ll often claim to be from Medicare or Social Security, which is a major red flag. To be clear, neither Medicare nor Social Security make outbound calls to tell you about benefits and plan information. Ever. They’ll send letters if they need to contact you, and the only legitimate exception is during a short period after enrolling in Medicare Parts A and B. If you haven’t just signed up, any call claiming to be from Medicare is likely bogus.
More often than not, these “Scam Likely” cold-callers are working from a script. Their approach is one-and-done strategy; sell you a plan, get their commission, and never talk with you again. They won’t follow up, they won’t answer your calls when issues arise, and they certainly won’t remember your name next year. That’s not how healthcare decisions should be made.
Local Knowledge Is Key
There’s something reassuring about talking to someone who knows the area—who understands the local clinics, hospitals, and pharmacies. In Green Bay, that kind of familiarity isn’t just nice to have—it’s essential. The right plan for someone living in Milwaukee is not always the right one for someone in Howard, Ashwaubenon, or De Pere. A local Medicare broker Green Bay WI understands the unique provider networks and details that national call centers could never know.
That’s why choosing a local agency matters. At OnMedicare, we live and work in this community and are your neighbors. We know which providers are in-network, which specialists have waitlists, and which plans are a headache when it comes to prior authorizations. We’ve met clients at coffee shops, at their kitchen tables, and on Zoom calls during snowstorms. We begin reviewing next year’s plan options long before they’re publicly released because we want to be ready when our clients start asking questions.
If you’re a seasonal traveler heading to Arizona or Florida in the winter, that’s something your agent should understand and plan for. We’ve helped plenty of Green Bay snowbirds choose coverage that travels with them, so they don’t have to scramble when they need care outside Wisconsin.
Pushy Sales Tactics?? No Thanks!
If an agent pressures you to make a decision on the spot, that’s a sign to move on. Real professionals don’t rush something as important as health coverage. You deserve time to think, ask questions, and understand what you’re signing up for.
Phrases like “You have to enroll today or you’ll lose benefits,” or “This offer expires in an hour,” are designed to panic you. Don’t fall for it. Agents who use fear or urgency to force a sale care more about their paycheck than your long-term well-being.
The founders of OnMedicare, Daniel and Lauren Swan, built the agency with a different philosophy. We believe health insurance should be a conversation, not a pitch. We train our team of Medicare brokers Green Bay WI to listen first, ask thoughtful questions, and guide—not push—clients toward the right plan. Local residents value honesty and personal service, and that’s what we strive to offer.
Ghosting After You Enroll? That’s a Dealbreaker
A major complaint we hear from folks who’ve switched to us from national agencies is that their previous agent disappeared after enrollment. They couldn’t get help calling customer service, filing reimbursement forms, getting prescriptions through the mail, or resolving billing issues. That’s not just frustrating—it can affect your health.
When you work with a dependable agency, the relationship doesn’t end once you sign up. It’s just beginning. Whether it’s a question about a coverage detail, a lost insurance card, or confusion with a bill, your agent should be there to walk you through it. Even if we can’t pick up the phone right away, we always respond. Because being available matters.
We keep detailed notes on our clients’ medical needs, preferred doctors, and prescriptions. That way, we’re not starting from scratch every time you call—we’re continuing a conversation. When a new plan becomes available or your current one changes, we’ll let you know. We’re not just a trusted Medicare broker Green Bay WI; we’re your advocates and here for you day to day. .
Vague on Costs? Walk Away
If an agent you’re talking with is not able to give clear answers about premiums, deductibles, or out-of-pocket costs, that’s usually a problem. Health insurance isn’t one-size-fits-all. A good agent will sit down with you, learn about your prescriptions, your doctors, and your health goals, and then will clearly explain the trade-offs of different plans.
You should never feel like you’re being sold a mystery box. We believe you have the right to know how much you’ll pay, what’s covered, and what’s not covered before you enroll. That includes transparency about how the agent gets paid. Some agencies won’t tell you they earn a commission, or they’ll gloss over it. We won’t gloss over it if you ask. We believe you should know everything upfront. That’s how a Medicare broker Green Bay WI should always operate; transparent.
Too Limited? Too Risky
If a Medicare broker Green Bay WI is only able to offer one company, then they are not truly a broker. I consider that risky. They may be knowledgeable and kind and represent a great company, but there’s risk to that. They are limited in their ability to thoroughly examine every plan, and limited on their training of other competitors. You might be missing out on a better plan with another company, and even the agent wouldn’t know. Captive agents are ones who can only offer you one specific company—even if there’s something better out there for your needs.
We work with multiple carriers, which allows us to compare a range of plans and find the right fit for each client. Because let’s face it—what works for your neighbor might not work for you. Health insurance is personal, and your coverage should reflect that.
Final Thoughts
Choosing the right health insurance agency in Green Bay WI is more than just comparing prices—it’s about building a relationship with someone who has your back. Someone who understands the ins and outs of the Medicare system can save you a lot of headaches, money, and time.
At OnMedicare Insurance Agency, we’re proud to be part of the Medicare broker Green Bay WI community. We’re a local insurance agency specifically in the suburb of Howard WI and available when you need answers, support, or just someone to explain the fine print. Your peace of mind is worth a lot. Your health deserves the attention of someone who truly cares.
So, whether you’re reviewing your options for the first time or thinking about making a change, or just curious what else is out there, remember this: the right insurance agency in Green Bay WI can make all the difference for you.