Your rights
How to report a Medicare agent: who to call and what to say
Most agents do honest work, but if one pressured you, misled you, or enrolled you in a plan you didn't agree to, you can report it, and you may be able to undo the damage. Here's who handles what.
Last reviewed October 26, 2026. General information, not advice about any plan.
Who to report to
- Your state insurance department
- For anything about the agent: no license, lies about a plan, pressure, forged signatures. Every state takes complaints online or by phone; find your state's page for the number and form.
- 1-800-MEDICARE
- For Medicare Advantage or Part D sales problems: unwanted calls, being enrolled without agreeing, being told something false about a plan. 1-800-633-4227, TTY 1-877-486-2048.
- The insurance company
- Plans must oversee the agents who sell their plans. If you enrolled, call member services on your plan card and file a complaint (a grievance) about the agent; if you didn't, call 1-800-MEDICARE.
- Senior Medicare Patrol
- If you suspect fraud, like billing for things you didn't get. Call 1-877-808-2468 for free help.
- Us
- If the agent is listed in our directory, report the listing. We review every report.
What to include
Who
The agent's name, agency, phone number and National Producer Number if you have it.When and how
Dates and times of calls or visits, and whether they called you first.What happened
What they said or did, in your own words. Exact quotes help.Proof
Mail, texts, emails, business cards, and any forms you signed or received, like a new plan card you didn't expect.
Keep copies of everything you send, and write down the name of anyone you speak to and the date.
Fixing your coverage
If you were enrolled in a plan you didn't choose, or chose one based on false information, call 1-800-MEDICARE as soon as possible. Explain what happened; they can tell you whether you can go back to your old plan or make another change. Meanwhile, keep using the coverage on your newest card so you're not without care.
Want a second opinion first? Your state's free SHIP counselors help with exactly these problems, and a licensed local agent you've checked can review your options too.
Common questions
Will reporting an agent get me in trouble with my plan?
No. Plans must oversee the agents who sell their plans, and reporting doesn't affect your coverage.
Can I report an agent who isn't licensed?
Yes. Selling insurance without a license is against state law. Report it to your state insurance department, and don't give them your Medicare number.
I was switched to a new plan without agreeing. What do I do?
Call 1-800-MEDICARE right away. Tell them you didn't agree to the change; they can explain your options, which may include returning to your old plan or another special enrollment period.
How long do I have to report?
There's no single deadline, but report as soon as you can, while details are fresh and before plan deadlines pass.
Keep reading
- What Medicare agents can and can't do: the rules for 2026–2027Can an agent call you? Is there still a 48-hour wait? What must they tell you? The federal marketing rules for Medicare Advantage and drug plans, in plain English, as of October 2026.
- Medicare scams: how to spot them, and what to doThe calls, texts and offers scammers use around Medicare, the signs that give them away, and exactly who to call if you think you've been targeted.
- How to check an insurance agent's licenseLook up any agent with your state's insurance department, in about two minutes.
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