According to C.M.S. rules and regulations Medicare Advantage Agents have to obtain a health insurance license in the States where they plan to work; be appointed and certified for Medicare Advantage insurance carrier. Medicare Advantage Agents, usually referred to as "producers" in the health insurance industry, sell one or more types of health insurance, such as Medicare advantage, Medicare supplement (Medigap), life, health, disability, and long-term care.

Health insurance agents sell Medigap insurance policies that cover up unpaid costs of Original Medicare plan. The majorities of people have their initial contact with a Medicare Advantage or Supplement insurance company through a Medicare Part C or Medicare Advantage agent. These personnel help seniors' select Medicare insurance plans that provide the best Medicare Advantage or Medicare Supplement coverage.

An increasing number of health insurance insurance sales agents are present complete Medicare Advantage (Part C) insurance plans their clients. As a result, many agents are involved in cross-selling. Besides offering Medicare Advantage or Medicare Supplement insurance plans, these agents may become licensed to sell mutual funds, annuities, and other security products. This practice is mainly common with life insurance agents who previously sell annuity products.

Health insurance agents also organize reports, keep records, and seek out new consumers. Some agents are also present their clients with financial analysis or recommendation on how to reduce risk. Current technology has seriously affected the Medicare insurance business, making it much more competent and giving the agent the ability to take on more customers. Agents computers are linked directly to the insurers via the Internet, making the everyday jobs of obtaining quotes and processing applications faster and easier.

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