Fee-Only Medicare Advisor
Unbiased Medicare advice. I sell advice, not insurance.
- Works for you, not insurance companies.
- Licensed to advise, forbidden to sell.
- Helps clients in 26 states.
- Compares every plan where you live, then picks your two
or three best, and explains why in writing.
Who can I pay for Medicare help?
You can pay for Medicare help the way you would pay an accountant. The person who takes your fee, and nothing from any insurance company, is called a Fee-Only Medicare Advisor.
Jason Baar, Fee-Only Medicare Advisor
- Medicare expert.
- IRMAA specialist (Medicare’s income-based surcharge).
- 30+ years in insurance, 20+ in Medicare.
- Left commissions behind to work only for clients.
NPN #2033715 My licenses
What is a Fee-Only Medicare Advisor?
A Fee-Only Medicare Advisor is someone you pay directly for Medicare advice, either a flat fee or an hourly rate. They do not sell insurance or accept commissions or any other money from insurance companies. Because their pay never depends on the plan you choose, they can tell you which plans fit you best, and why.
Most people who call themselves a Medicare advisor or Medicare consultant are sales agents paid by commission. The way to tell is to ask one question: “Does any insurance company pay you?” My answer is no. You pay me, and I do not sell insurance. That is why my title starts with Fee-Only.
In my home state, I hold an Unaffiliated Insurance Agent license. It lets me advise and, by law, forbids me from selling insurance or taking money from insurance companies.
| Question | Fee-Only Medicare Advisor | Commission-Based Sales Agent |
|---|---|---|
| Who pays | You. I charge one flat fee, stated before we start. | Insurance companies, through commissions. |
| Plans considered | Every plan available in your area. | Only plans from companies they’re contracted with. |
| Does the pay change with your choice? | No. Same fee whatever you choose. | Often. Agents usually earn more for Medicare Advantage. |
| If you switch plans | Earns me nothing extra. | Earns them a new commission. |
| Extra incentives | None. | Award trips, sales leads, marketing payments. |
You get advice built around your costs, doctors, prescriptions and risk, and your two or three best plans in a written report you keep.
A wrong Medicare plan can cost thousands more than the right one, and the mistake can compound year after year.
How much does a Fee-Only Medicare Advisor cost?
I charge a flat fee: $500 for the Full Medicare Analysis or $1,000 for the White Glove Service. That is the whole fee, and there is no hourly rate. If you are not on Medicare yet, the White Glove Service is required. Both carry the 100% Satisfaction Guarantee: your fee back within 45 days of your report, no questions asked.
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Full Medicare Analysis • Plan comparison • 2 hours with Jason$500
See what’s included → -
White Glove Service • Plan comparison • IRMAA Review • Unlimited time with Jason(Open to anyone. Required if you’re not on Medicare yet.)
$1,000
See what’s included →
Both packages are done by phone and email. They compare Original Medicare plus Medigap (Medicare Supplement) and Part D drug coverage against Medicare Advantage, and check that your doctors and pharmacy are covered. You enroll yourself, and I coach you through it.
Every client starts with a free 15-minute phone call.
Pick a time online, and I’ll call you myself. You’ll be talking with me, not a call center or a salesman. Your spouse, son, daughter, or anyone you like can join us. Ask me anything about Medicare. I will answer questions, not push. If you decide to hire me, your fee will be one of the two shown above. I won’t start any paid work until you say so.
If you’re helping your parent with Medicare, you can book their free call or book one for yourself first.
Book a free 15-minute call