Fair Square Medicare Review
Fair Square Medicare is a free broker service that helps Medicare enrollees shop for Medicare Advantage, Medicare Supplement and Part D plans.
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Fair Square Medicare is a good choice if you want guidance while choosing your Medicare plans.
Fair Square Medicare is an online broker that can help you shop for Medicare Part D, Medicare Advantage and Medicare Supplement plans. You don't pay anything, and the company has a strong reputation for customer service.
Pros and cons
Pros
Can teach you about Medicare
Helps you shop for a policy
Cons
Still a fairly new company
Can take a while to get a policy
Is Fair Square Medicare good?
Fair Square Medicare is a good company if you want help finding Medicare options.
Fair Square Medicare is a Medicare insurance broker, which means it sells plans from different health insurance companies. A Medicare broker can help you compare different coverage options to find the best plan for your needs.
Brokers get the same pay regardless of which plan you choose. That means you don't have to worry your broker will suggest an expensive plan that's a poor fit for your needs. In addition, you can start with a free consultation call.
During this call, you'll learn about your different Medicare options. You'll also have an opportunity to discuss your needs with your broker.
Fair Square Medicare can help you find a Medicare Advantage, Medicare Part D or Medicare Supplement plan. Its Medicare Advisors can also help you decide when to sign up for Original Medicare (Parts A and B).
Fair Square Medicare can focus your search on plans that cover your doctors and pharmacies. If you shop directly on Medicare.gov, you won't be able to see if your doctors are in a plan's network without doing additional research.
Fair Square Medicare will review your plan and your needs every year to make sure you have the best coverage. Medical needs can change from year to year, which means your plan may no longer be your best option.
Plan options and types
Fair Square Medicare can help you find Medicare Advantage, Medigap and Part D plans.
Fair Square Medicare is an insurance broker. It doesn't sell its own policies, and instead can help you buy policies from a range of different health insurance companies..
Depending on your needs, Fair Square Medicare can help you find and buy three different plan types.
- Medicare Part D: This helps you pay for prescription drugs.
- Medicare Advantage: These policies bundle Medicare Parts A and B together, and they often come with prescription drug coverage and extra benefits, like dental, vision and wellness programs.
- Medicare Supplement (Medigap): These plans cover some or all of the parts of Original Medicare (Parts A and B) that you're responsible for paying.
You cannot buy a Medicare Supplement (Medigap) or a Medicare Part D plan if you have Medicare Advantage. However, you can have a Medigap and a Part D plan at the same time.
Company and plan availability depends on where you live.
Fair Square Medicare can also help you decide when you should enroll in Medicare Part A and Medicare Part B. You'll have to sign up for these Medicare parts yourself since they are sold by the government.
How Fair Square Medicare works
When you first start working with Fair Square Medicare, you'll go through four steps to find the right Medicare option for you.
- Consultation: The initial consultation is how Fair Square Medicare learns about you. You'll talk with a Medicare Advisor and learn about what types of coverage are available. You and the advisor will discuss what you want and need from your Medicare coverage. The advisor will ask about the prescription drugs you take, what doctors you like to use and what pharmacies you go to.
- Review: After about two weeks, a Medicare Advisor will reach out to review your plan options with you. These options might include a Medicare Advantage plan, a stand-alone Part D drug plan or a Medigap plan combined with Original Medicare.
- Enrollment: Fair Square Medicare will help you enroll in your chosen plan.
- Confirmation: Fair Square Medicare confirms your enrollment with the insurance company. You'll get proof of the enrollment so you know you have coverage.
You can also shop for plans on the company's website. Consider this option if you don't need as much guidance but still like the idea of someone to ask when you have questions.
After the first time you buy a plan with Fair Square Medicare, the company will review your account annually to make sure your plan is still the best option for you. Plan details change every year which means it's important to shop around to make sure you're still getting the best deal.
Cost of Fair Square Medicare
You don't have to pay anything for Fair Square Medicare.
You'll still pay a monthly rate for your plan, though. The cost of your plan will depend on what company you choose, where you live and what kind of plan you buy.
Insurance companies pay a commission to Fair Square Medicare based on the plan you buy. That's how the company makes money since it doesn't charge a fee for its services. Fair Square Medicare says that it recommends plans based on which options are right for you, not on how much commission it makes.
On average, Medicare Advantage plans cost $28 per month.
Compare Medicare Plans in Your Area
Each company offers a range of plan options, including different plan types like HMOs and PPOs. Plans with more benefits tend to cost more, although this isn't always the case.
You'll pay the same cost for your plan if you buy it from Fair Square Medicare, another broker or Medicare.gov. The benefit of using Fair Square Medicare is that you'll get expert advice to help you choose the right plan.
Average cost of a Medicare Advantage plan
Company | Average monthly rate | |
|---|---|---|
| Cigna | $7 |
| Wellcare | $9 |
| Aetna | $17 | |
| UnitedHealthcare | $17 |
| Humana | $31 |
| Blue Cross Blue Shield | $40 | |
| Kaiser Permanente | $46 |
National average rates for a plan with prescription drug coverage
The average cost of a Medicare Part D plan is $59 per month. Medicare Supplement Plan G, the most popular plan for new enrollees, costs an average of $148 per month.
Remember to factor in your Medicare Part B rate as well. For most people, Part B costs $174.70 per month. You'll pay that in addition to the cost of a Medicare Advantage, Medicare Supplement or Medicare Part D plan.
Fair Square Medicare advertises that it recommends companies and plans regardless of the commission. The brokerage estimates that 55% of its clients are on low-commission plans.
Where can I buy Fair Square Medicare?
Fair Square Medicare can help you buy a Medicare policy in all 50 states and Washington, D.C.
The specific companies and plans that are available will vary based on where you are.
For example, Aetna doesn't sell Medicare Advantage plans with prescription drug coverage in Alaska, Hawaii, Montana or Vermont. Fair Square Medicare can still help you find a plan in those states, but Aetna won't be an option.
Customer reviews and complaints
Fair Square Medicare has good customer reviews. But because Fair Square Medicare is only a few years old, it doesn't have many online reviews.
Fair Square Medicare has 49 customer reviews with an excellent five out of five-star average. Many of these reviews praise the company for its customer service. Keep in mind that online reviews represent only a small number of its customers.
Frequently asked questions
Is Fair Square Medicare legitimate?
Yes, Fair Square Medicare is a licensed Medicare broker. The company can help you understand Medicare and which options are right for you. A Medicare Advisor will then look at options from different health insurance companies to find the best policies.
Do I have to pay for Fair Square Medicare?
No, you don't have to pay to use Fair Square Medicare since the company is paid by the company you buy your plan from. Fair Square Medicare advertises that it recommends the best options for each customer, regardless of cost.
Who are the competitors of Fair Square Medicare?
Alight Retiree Health Solutions, Chapter, Fidelity Medicare Services and Medicare Choice Group are all good options for Medicare brokers. These four companies have completed the National Council on Aging Standards of Excellence training. This helps ensure a company is working in your best interest.
In addition, many brokers are local, so you may be able to find a company in your area that can help you find a Medicare plan.
Methodology and sources
Medicare Advantage costs and the average cost of Medicare Part D are from the Centers for Medicare & Medicaid Services (CMS) public use files for 2024. Some plan types were excluded. Prices do not include discounts. Average costs are not specific to plans sold by Fair Square Medicare.
Other sources for this article include the Better Business Bureau (BBB) and Fair Square Medicare.
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Invitations for application for insurance may be made through QW Insurance Solutions, LLC ("QWIS"), a separate subsidiary of QuoteWizard, LLC ("QuoteWizard"), a LendingTree subsidiary, or through its designated agents, only where licensed and appointed. QWIS is a non-government licensed health insurance agency and is not affiliated with or endorsed by any government agency. Find licensing information for QWIS.
Callers will be directed to a licensed and certified representative of Medicare Supplement insurance and/or Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations. Calls will be routed to a licensed insurance agent who can provide you with further information about the insurance plans offered by one or more nationally recognized insurance companies. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal.
Availability of benefits and plans varies by carrier and location and may be limited to certain times of the year, unless you qualify for a Special Enrollment Period. We do not offer every plan available in your area. Currently we represent 73 organizations that offer 5,110 products in your area. Contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP), to get information on all of your options.
These numbers provided are not specific to your area, but rather represent the number of organizations and the number of products available on a national basis. We will connect you with licensed insurance agents who can provide information about the number of organizations they represent and the number of products they offer in your service area. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Medicare has neither reviewed nor endorsed the information contained on this website.
Medicare supplement insurance is available to people age 65 or older enrolled in Medicare Parts A and B, and in some states to those under age 65 eligible for Medicare due to disability or end stage renal disease.
Medicare Advantage and Part D plans and benefits are offered by these carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Anthem Blue Cross, Aspire Health Plan, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, GlobalHealth, Health Care Service Corporation, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Baylor Scott & White Health Plan, Simply, UnitedHealthcare, Wellcare and WellPoint.
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