Chapter vs Other Medicare Agents

Enrolling in Medicare can feel completely overwhelming. In addition to Original Medicare, there’s Medicare Supplement, Medicare Advantage, and Part D. Each has multiple—often many—different options with varying costs and coverage. 

People spend weeks or months researching Medicare options, yet they still feel confused or unsure when they finally make a decision. That’s why around 30-50% of people use a Medicare agent to help them enroll in Medicare coverage. That percentage would likely be higher if people felt they could actually trust the Medicare agents they speak with. 

The truth is, there are a lot of Medicare agents and brokers out there. Unfortunately, most lack the proper knowledge, data, and/or incentives to provide the best Medicare advice.

Why Chapter was founded

We were founded because of the systemic issues within the Medicare system that cause so many seniors to enroll in the wrong plans for their needs. The cost of poor plan choices? Thousands of dollars per year and worse health outcomes. 

Chapter’s founder, Cobi Blumenfeld-Gantz, started Chapter when he saw his own parents, after hours of research and frustration, get pushed into ill-fitting plans by their Medicare agent. He didn’t want this to happen to anyone else. 

We bring the same level of care to our advice that we would give our own family. We’re proud that many Chapter members say that when they spoke with a Chapter representative they felt like they were talking to their most caring family member—who just happened to know a lot about Medicare.

We all want to let Shannon Davis know that we are truly Blessed to have been helped by her. This job is meant for her. She is so knowledgeable about each plan. After she listens to your needs and asks a few questions; you will be discussing the best plan in the world for yourself. Shannon is compassionate and patient. This is a lady that puts her heart into her job. She talks to you just like you are a loving family member. We all felt like we had just been introduced to a close family member that just happens to assist with health insurance. Shannon is an amazing representative that you can believe in

It’s also an honor that so many of the people we help appreciate our support enough to refer their friends and family to us. In fact our single largest source of new members in 2025 was referrals from our existing members. 

Read on to learn more about the details that make us different from other Medicare agents.

Key takeaways:

• Chapter is the only national advisor that looks at and recommends every single Medicare plan option across Medicare Advantage, Medicare Supplement, and Part D prescription drug plans, even those that don’t compensate Chapter.

• Our Medicare Advisors are both caring and highly trained, ensuring you get the same amazing experience regardless of who answers your phone call.

• Our Advisors are armed with accurate and complete plan data at their fingertips.

• Our Member Advocates are there for you after you choose your coverage to help with any questions or issues you have concerning your plan.

What makes Chapter different from other Medicare agents and brokers

When you call Chapter, you get access to top Medicare Advisors who look at every plan option available to help you find the best fit for your specific needs—even if it's offered by a carrier that doesn’t compensate Chapter. You’re also connected with our amazing Member Advocates, who fight to make sure you aren’t ignored or exploited by the healthcare system. Let’s break it down in more detail.

Caring and thorough Medicare advice from licensed Medicare advisors

Put simply, we’re the only national Medicare advisor that will compare every plan option available and only recommend what is best for your specific needs. But there’s so much more to it than that. 

It starts with who we bring onto our team. We aim to hire only the best people. Then they receive thorough Medicare training. We do this to ensure that no bad habits from past employers are carried over—and that you get the same outstanding experience, regardless of which Advisor answers your call. 

Each of our Advisors will make sure you understand what you need to know about Original Medicare, Medicare Supplement, Medicare Advantage, and Part D. They’ll answer your questions, listen to your needs and preferences, and work with you to find the best coverage for your unique situation.

Then comes the tech that enables our Advisors to compare every plan available to you quickly—while taking into account all of your needs and preferences. We won’t bore you with the details of how our data team cuts through tens of thousands of variables to put every Medicare plan detail at our Advisors’ fingertips…But the result is a Medicare platform that our Advisors rave about. They can input your prescriptions and preferred doctors and filter only the plans that will work for your needs. Once they’ve filtered out plans that won’t work, they walk you through each of the options to see which one best fits your budget and preferences.

From here, it’s your choice! Some people like to take a few days to think about everything and look at the details of our recommended plans on their own. Many others prefer to enroll the same day. But most importantly, you won’t feel pressure to choose one plan over another because our Advisors get paid the same amount, regardless of which plans they recommend.

Ongoing healthcare advocacy from people who treat you like family

Once we help you choose a plan, your Chapter Advocacy Team provides ongoing support to help you with any Medicare questions or issues that may arise. They’re here so you don’t have to be a claims expert or navigate our complex healthcare system on your own. 

For example, if you’re having trouble getting prior authorization for a treatment you need, we’ll work with you, your provider, and your insurance carrier to get things sorted out. If you receive an incorrect bill, once again, we’ll call whoever we need to make sure you don’t have to pay for others’ mistakes. 

Our advocates are persistent. They will take the time to help you sort out a billing error, so you don’t have to pay more than your plan requires. 

Our commitment to changing the industry

Beyond the individuals we support every day, we’re also dedicated to making lasting changes to the industry. Our ultimate goal is to ensure that every senior has the best Medicare coverage for their needs. 

For example, Cobi had the honor of testifying before the US Senate Finance Committee to advocate for better data transparency and for a severe crackdown on deceptive practices in Medicare enrollment. You can learn more about the hearing and see Cobi in action here.

Chapter vs. local Medicare agents

Not all local brokers are the same, and many local Medicare agents are well intentioned. That said, they are only really incentivized to recommend plans that they get commissions for selling. And while some may choose to do what’s right and recommend the best plan for you, even if they don’t get paid, they often don’t have all the information they need to provide the best recommendation. 

Above, we mentioned how we combine several data sources to make sure we have all the details of every plan. This takes a lot of work from our incredible data team. Unfortunately, sources that should be reliable may not have complete and accurate plan data—so even well-intentioned local Medicare agents may provide an unsuitable recommendation. 

Some people argue that you should go with a local agent over Chapter because “they know the plans available in your area better.” This is false. We have the most accurate plan data and can help make sure your doctors and prescriptions are covered by your plan. 

If you want a restaurant recommendation or directions to a local park, we’re not the best source. You’re better off asking a friend or turning to Google. But for Medicare, there’s nothing a local broker knows that we don’t. Quite the opposite.

Chapter vs. medium and large brokers

Because we have a team of brokers helping people nationwide, many people find it easiest to compare us to medium and large brokers. Some of these companies have been around for decades and others for only a few years. Unfortunately many of them actively steer seniors toward plans that don’t fit their needs just to make more money. In fact, the Department of Justice recently sued three major Medicare brokers for claiming they were unbiased while allegedly pushing people into the plans that paid them the biggest kickbacks. 

Each of these brokers is different, and some of the individual agents employed by these brokers are well intentioned. That said, most of these brokers are plagued by a mix of poor agent training, incorrect or incomplete plan information, and bad incentives. 

The bottom line

When you call Chapter, you receive incredibly caring and thorough advice from our thoughtful and highly trained Medicare Advisors. Chapter Advisors look at every single Medicare plan option available to you. They’ll also answer any questions you have and will never push you into one plan or another—they have no incentive to do so. 

Once you choose your Medicare coverage, we continue to provide ongoing support. If you need to change plans or have issues with your coverage—like an incorrect bill—we’re here for you every step of the way. 

Our services are completely free, so there’s no reason to hesitate. Give us a call at (855) 900-2427 or pick a time to talk. Most people say they wish they’d called sooner!