Insurance Agent – Medicare & Covered California Specialist

Responsibilities

• Assist California residents in selecting and enrolling in Medicare plans, including Part A, Part B, Part C (Advantage), and Part D (Prescription Drug) options.
• Provide expert guidance on Covered California health insurance products, ensuring clients understand eligibility, subsidies, and enrollment processes.
• Conduct one‑on‑one consultations (in‑person, phone, or virtual) to assess client needs and recommend appropriate coverage.
• Maintain accurate client records in compliance with HIPAA and state regulations.
• Stay current on federal and state insurance regulations, policy changes, and market trends.
• Collaborate with underwriting, claims, and marketing teams to deliver seamless client experiences.
• Achieve monthly and quarterly enrollment targets while delivering high customer satisfaction scores.

Requirements

• California resident with a valid California Insurance License (Life, Accident & Health) – or ability to obtain within 90 days of hire.
• Minimum 2 years of experience selling Medicare Advantage, Medicare Supplement, or Covered California plans.
• Strong knowledge of Medicare eligibility rules, enrollment periods, and Covered California marketplace.
• Excellent communication and interpersonal skills; ability to explain complex insurance concepts in plain language.
• Proficiency with CRM systems (e.g., Salesforce, HubSpot) and Microsoft Office Suite.
• Detail‑oriented with strong organizational and time‑management abilities.
• Commitment to ongoing professional development and certification (e.g., Medicare Certified Professional).

Benefits

• Competitive base salary plus uncapped commission structure.
• Health, dental, and vision insurance for employee and dependents.
• 401(k) plan with company match.
• Paid time off (PTO) – 15 days annually plus California holidays.
• Professional development stipend for licensing, certifications, and industry conferences.
• Remote work flexibility for client meetings and administrative tasks.
• Employee assistance program (EAP) and wellness initiatives.

FAQ

• Do I need to have a Medicare license already? A California Life, Accident & Health license is required; a Medicare certification is preferred but can be obtained after hire.
• What is the expected sales volume? Targets are set based on market conditions; agents typically enroll 20‑30 new Medicare or Covered CA clients per month.
• Is remote work allowed? Yes, agents may work remotely for client interactions and administrative duties, with occasional in‑office meetings for training and team events.
• What support does the company provide? Comprehensive training, a dedicated marketing budget, lead generation tools, and ongoing compliance assistance.
• How does compensation work? Base salary $45,000 – $55,000 annually plus commission (average OTE $80,000‑$100,000) based on enrollment and renewal metrics.