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Advisor Resource
Medicare Referral Guide
Thank you for trusting us with your clients. Our goal is to make Medicare simple while providing the same level of professionalism and service your clients have come to expect by working with you as their financial advisor.
Planning Support
What We Help Clients With
Many people think Medicare planning is simply choosing an insurance plan. In reality, there are many important decisions that can have long-term financial consequences. We help clients understand their options, avoid costly mistakes, and develop a Medicare strategy tailored to their healthcare needs and retirement goals.
- Medicare Parts A & B enrollment
- Determining the right time to enroll in Medicare
- Transitioning from employer group health coverage to Medicare
- Medicare Supplement (Medigap) vs. Medicare Advantage plan comparisons
- Prescription Drug (Part D) planning
- Reviewing Medicare costs and budgeting for healthcare in retirement
- IRMAA planning and appeals
- Health Savings Account coordination with Medicare enrollment
- COBRA and Medicare coordination
- Coordinating coverage when one spouse is enrolling in Medicare and the other is not
- Reviewing employer or union retiree health benefits
- Medicare eligibility due to disability under age 65
- Moving to another state while on Medicare
- Annual Medicare coverage reviews
- General Medicare education and second opinions
Our approach is educational, objective, and personalized. We work with multiple insurance carriers and help clients choose the solution that best fits their circumstances.
Licensing Footprint
Licensed in 30+ States
Sam Olson Insurance Services is licensed in multiple states, allowing us to assist Medicare clients who live locally, relocate in retirement, or have family and advisor relationships across the country.
Licensed states
Sam Olson Insurance Services is licensed in AK, AR, AZ, CA, CO, CT, FL, GA, HI, ID, IL, IA, IN, KY, MA, MI, MN, MT, NC, NM, NV, OK, OR, PA, SC, TN, TX, UT, VA, and WA.
- AK
- AR
- AZ
- CA
- CO
- CT
- FL
- GA
- HI
- ID
- IL
- IA
- IN
- KY
- MA
- MI
- MN
- MT
- NC
- NM
- NV
- OK
- OR
- PA
- SC
- TN
- TX
- UT
- VA
- WA
Email Introduction
Introduce a Client
The best way to introduce us is by email. For compliance and client preference reasons, we generally do not reach out to prospective Medicare clients unless they have initiated contact or have been introduced in a way that allows them to respond directly.
Once you introduce us by email and copy our office, we will reply with our calendar link so the client can schedule when ready.
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Open a draft in your default email app, then add the client and copy our office before sending.
Introduction Timing
When Should You Introduce a Client?
Clients Turning 65
Please introduce clients no sooner than six (6) months before their 65th birthday month.
This provides plenty of time to educate the client, coordinate enrollment, and ensure all deadlines are met without beginning the process unnecessarily early.
Clients Delaying Medicare Because They Are Still Working
If a client postponed Medicare because they remained covered under an active employer group health plan, please introduce them no sooner than six (6) months before their employer coverage will end.
Clients Already Enrolled in Medicare
We are happy to meet with clients who:
- Want a second opinion.
- Are moving to another state.
- Need to review their current Medicare coverage.
- Have questions about Medicare or their existing plan.
These introductions may be made at any time.
At a Glance
Quick Referral Guide
Introduce us if...
- The client is within six months of Medicare eligibility.
- The client is losing employer coverage and is eligible for Medicare.
- The client already has Medicare and wants a second opinion.
- The client is relocating and needs to review Medicare options.
- The client has questions about Medicare enrollment or timing.
- The client needs help comparing Medicare Supplement, Medicare Advantage, or Part D plans.
- One spouse is enrolling in Medicare while the other spouse still needs health insurance.
We cannot assist if...
- The client has Federal Employee retiree health benefits.
- The client has TRICARE For Life.
- The client has excellent employer or union retiree coverage, generally under $300/month with a deductible of $1,000 or less.
- The client only needs ACA/Marketplace coverage, unless coordinating with a spouse enrolling in Medicare.
Early Conversations
More Than Six Months Out?
No problem. After you introduce us by email and copy our office, the client may schedule a 25-minute introductory call where we will:
- Explain how Medicare works.
- Discuss what to expect.
- Answer general questions.
- Explain the Medicare planning timeline.
When the client reaches the six-month planning window, we will begin the full planning process.
Advisor Questions
Frequently Asked Questions
How should I introduce you?
The easiest and most effective method is an introductory email. Simply introduce us to your client via email and copy our office. Once we are included in the email thread, we will respond with a brief introduction and our scheduling link so the client can book an appointment at their convenience.
This keeps the client in control of whether and when to engage, while keeping the advisor as the sender of the introduction.
Does it cost my client anything to work with you?
No. We do not charge clients a fee for Medicare planning.
Our guidance is provided at no additional cost to the client. We help them understand Medicare, compare their options, and make an informed decision without charging a separate planning fee.
How do you get paid?
If a client chooses to enroll in a Medicare plan through our office, we are compensated by the insurance company.
The client does not pay us directly, and the premium is not increased because they work with us. Our role is to help the client understand their options, avoid costly mistakes, and receive ongoing support after enrollment.
Do I need to attend the meetings?
You are always welcome to attend. If this is your first Medicare introduction, we encourage you to join the meeting to become familiar with our process and see how we educate clients.
Most advisors find that after attending one or two meetings, they are comfortable allowing us to work directly with future introductions. However, you are welcome to join any meeting whenever you feel it would benefit the client.
Do you offer other insurance products?
Yes. In addition to Medicare, we are licensed to assist clients with Long-Term Care Insurance, Life Insurance, and Disability Insurance.
We do not actively market these products to Financial Advisor referrals. However, if you would like us to assist one of your clients with any of these needs, we are happy to do so.
If you are licensed in the applicable state, we will pay you 25% of the earned commission for these products.
Do you pay referral fees for Medicare clients?
Not at this time. Our commitment is to provide exceptional service, timely communication, and ongoing support so your clients receive an outstanding experience that reflects well on both of our firms.
Client Support
Meet the Team
Your clients will be supported by a small, responsive team focused on Medicare education, enrollment guidance, and ongoing service.
Sam Olson
Agency Owner / Medicare Advisor NPN 19342617
Sam works directly with clients to help them understand Medicare, compare coverage options, and make informed decisions with confidence.
Sarah Krupa
Client Service / Medicare Support NPN 22213309
Sarah assists clients throughout the Medicare process, including applications, follow-up items, carrier communication, and ongoing service needs.
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