Navigating Shifting Seas: How Med Supps Bring Stability to Your Portfolio

As agents, we know there’s no one-size-fits-all solution when it comes to Medicare. For many clients, Medicare Advantage (MA) plans deliver incredible value — low or $0 premiums, extra benefits, and coordinated care that fits their lifestyle.

But if you’ve been in this business long enough, you’ve also seen how quickly things can change.

New carrier entries, plan terminations, network disruptions, and shifting formularies are all part of the MA landscape. That’s not necessarily bad — it’s just the nature of a dynamic, government-regulated market. And when those changes happen, it’s the agent who has to help clients navigate the fallout.

That’s where Medicare Supplement (Medigap) plans shine — offering consistency, simplicity, and long-term value for both you and your clients.

1. The Stability Clients (and Agents) Can Count On

Unlike Medicare Advantage, Medigap plans are standardized and don’t change year to year.
Plan G will always be Plan G. Plan N will always be Plan N. That means your clients know exactly what they’re getting — and you know what you’re selling won’t be rewritten next AEP.

✅ Over 14 million Americans are currently enrolled in Medicare Supplement plans, and that number continues to rise as Boomers seek stability and freedom of choice.
✅ Average Med Supp retention exceeds 90%, providing one of the strongest persistency rates of any Medicare product.

“Once a client experiences the freedom of choosing any provider nationwide, they rarely want to go back to a network,” says one veteran PSM agent. “That stability builds trust — and trust builds renewals.”

2. Simplicity and Transparency

No networks. No referrals. No surprises.

Clients love that they can see any doctor or hospital that accepts Medicare anywhere in the U.S. It’s straightforward coverage that’s easy to explain — and even easier to service.

For agents, that means fewer headaches at renewal time and less time spent troubleshooting network or formulary issues.

3. Less CMS Oversight, More Flexibility

Medicare Advantage plans operate under extensive CMS marketing and communication governance.

Med Supps? Much less so.

That means:

• More consistent marketing guidelines

• Less red tape for outreach and retention

• Year-round selling opportunities without the same seasonal constraints

You still need to be compliant — but the rules are clear, consistent, and stable.

4. Persistency That Pays

Long-term client relationships = long-term income.

Med Supp persistency often exceeds 90% after the first year, and renewals can remain steady for 5–10+ years. This gives agents dependable residual income that compounds annually.

When combined with cross-selling opportunities (like dental, vision, hearing, or hospital indemnity plans), Med Supp business becomes a cornerstone for long-term agency growth.

5. Balance is Key

This isn’t about choosing sides. Both product types serve a purpose:

• MA Plans offer affordability and bundled benefits.

• Med Supp Plans provide freedom, stability, and predictable coverage.

The best agents understand how to position both, tailoring solutions to each client’s needs and preferences.

Bottom Line

In a world of change, Medicare Supplement plans are the foundation you can build on.

They protect your clients from surprise costs and protect your business from unpredictable churn. And with a growing population of clients turning 65 every day, the demand for reliable coverage isn’t slowing down anytime soon.

Ready to Grow Your Med Supp Business?

Partner with PSM Brokerage to access:

• Top-rated Med Supp carriers with competitive underwriting and commissions

• Agent tools, quoting platforms, and training to help you sell efficiently

• Personalized marketing support and compliance guidance every step of the way

👉 Get contracted today and strengthen your portfolio with Medicare Supplement plans.

PSM Brokerage — Strong Partnerships. Proven Growth. Trusted Support.

Not connected with or endorsed by the United States government or the federal Medicare program.