Medicare Joe vs Boomer Benefits
Choosing between Medicare Joe and Boomer Benefits? Here's how their licensed states, carriers, and help after you enroll compare, as of October 2026.
· Khoi Le · Doodle
Short answer: Both are independent Medicare insurance agencies. Both say they’re free to use and are paid by insurance companies. Boomer Benefits says it’s licensed in 49 states (every state except New York), represents 30+ carriers, and gives clients a Client Service Team of licensed agents for help with billing and claims after enrollment. It was founded in 2005 in Fort Worth, Texas. Medicare Joe says it’s licensed in 30 states, refers people elsewhere to partner agencies, and offers clients free annual reviews. It’s based in Lincoln, Rhode Island. Which one fits depends mainly on your state and the kind of help you want after you enroll.
| As of Oct 13, 2026 | Medicare Joe | Boomer Benefits |
|---|---|---|
| Licensed states | 30, plus referral partners (list not published) | 49 (not New York) |
| Carriers | Logos shown: Aetna, Blue Cross Blue Shield, Cigna, Humana, Manhattan Life, Medico, Mutual of Omaha, United American, UnitedHealthcare | 30+ (full list not published on pages we checked) |
| Cost to you | Free; paid by carriers; same commission whichever carrier you choose | Free; same premium as enrolling direct |
| Help after enrollment | Free annual reviews | Client Service Team of licensed agents |
| Founded / based | Founder Joseph Pate; Lincoln, RI; year not published | 2005; Fort Worth, TX |
Key takeaways
- Your state decides a lot. Boomer Benefits says it’s licensed in 49 states, all but New York. Medicare Joe says 30 states and doesn’t publish the list.
- Neither charges you. Both say insurance companies pay them. Boomer Benefits says your premium is the same as enrolling directly.
- Carrier count: Boomer Benefits says 30+. Medicare Joe’s site shows logos for nine.
- After you enroll: Boomer Benefits has a dedicated Client Service Team of licensed agents. Medicare Joe offers free annual reviews.
- Reviews: Boomer Benefits showed 4.8 out of 5 from 231 Trustpilot reviews as of October 13, 2026. Medicare Joe shows Google reviews on its homepage, and we found no Trustpilot page for it.
How we compared them
We compared only facts each company publishes, or that a public review site shows, as of October 13, 2026:
- States where it says it’s licensed
- Number of carriers it says it represents, or shows
- What it costs you and how it says it’s paid
- Help offered after enrollment
- Company background (founding year, location, team size)
- Third-party review score and review count, with the date
We left out anything we couldn’t verify, including BBB letter grades, Medicare Joe’s founding year and team size, and plan prices.
Medicare Joe
Medicare Joe says it’s a team of independent agents working with several insurance companies that offer Medicare Supplement (Medigap), Medicare Advantage, and Part D plans. Its founder, Joseph Pate, started the agency after helping his grandparents with Medicare. The site is owned and operated by Lakefront Insurance Group, LLC.
- Licensed states: 30, according to its FAQ. In other states it refers people to partner agencies. The state list isn’t published.
- Carriers: Its “carriers we are licensed with” section shows logos for Aetna, Blue Cross Blue Shield, Cigna, Humana, Manhattan Life, Medico, Mutual of Omaha, United American, and UnitedHealthcare.
- Cost: Free. It says carriers pay it, and its commission is the same whichever carrier you choose.
- After enrollment: Free annual reviews for clients.
- Reviews: Its homepage shows Google reviews, and the ones shown were dated September 2026. Its BBB profile lists it as not BBB accredited.
- What it doesn’t publish: Founding year, team size, and the list of licensed states.
Best suited for: People in one of its 30 states who want a yearly check-in on their coverage. Ask first whether your state is covered.
Boomer Benefits
Boomer Benefits was founded in 2005 in Fort Worth, Texas, by siblings David Kunkle and Danielle Kunkle Roberts.
- Licensed states: 49, every state except New York.
- Carriers: It says it represents 30+ carriers and quotes more than 30 companies.
- Cost: Free. It says your premium is the same whether you enroll through it or directly with the insurer.
- After enrollment: Clients get its Client Service Team. Boomer Benefits says everyone on that team is a licensed agent, and that the team helps with claim problems, billing errors, appeals, Medicare Advantage issues, provider network research, and rate shopping.
- Team: 100+ employees, by its own count.
- Education: Medicare articles and client-only webinars each fall.
- Reviews: 4.8 out of 5 from 231 Trustpilot reviews as of October 13, 2026.
Best suited for: People in any state except New York who want a large carrier lineup and a dedicated team to call about billing or claims after enrollment.
Which one fits your situation?
| Your situation | Worth calling first |
|---|---|
| You live in New York | Not Boomer Benefits (not licensed there). Ask Medicare Joe whether NY is one of its 30 states. |
| You want the largest number of carriers quoted | Boomer Benefits (30+, its figure) |
| You want a set yearly coverage review | Medicare Joe (free annual reviews), or ask any broker whether they do one |
| You want a dedicated team for billing and claims problems | Boomer Benefits (Client Service Team) |
Quick check:
- Is your state New York? → Boomer Benefits can’t help you there.
- Not sure Medicare Joe covers your state? → Ask. Its list isn’t published.
- Want both companies to quote you? → You can call both. Neither charges you.
How do I choose a Medicare broker?
- Is the broker licensed in your state? Ask, and check the license with your state’s department of insurance.
- Which carriers can they offer in your ZIP code? No broker represents every plan.
- Do they work with Medigap, Medicare Advantage, or both?
- How are they paid? Ask whether you’ll pay any fee.
- What happens after you enroll? Who do you call about a bill or claim, and do they review your coverage every year?
- For Medigap: Ask whether they can show a carrier’s past rate increases.
- Check reviews in more than one place, and note the date.
FAQ
Is Medicare Joe or Boomer Benefits free to use?
Both say yes. Each says the insurance companies it represents pay it, not you.
What states does Boomer Benefits cover?
Boomer Benefits says it’s licensed in 49 states. New York is the exception.
What states is Medicare Joe licensed in?
Medicare Joe says 30 states, and it refers people in other states to partner agencies. Its website doesn’t list the states, so ask when you call.
What are Boomer Benefits’ reviews like?
As of October 13, 2026, Trustpilot showed 4.8 out of 5 from 231 reviews. Scores change, so check the current page.
How many carriers do Medicare Joe and Boomer Benefits work with?
Boomer Benefits says 30+. Medicare Joe shows logos for nine carriers on its site.
Do Medicare brokers offer every plan?
No. A broker can only offer plans from the companies it’s contracted with in your area. To see every plan in your ZIP code, use Medicare Plan Finder at medicare.gov/plan-compare.
Does using a broker change my premium?
Boomer Benefits says your premium is the same as enrolling directly with the insurer. Medicare Joe says its service is free and that its commission is the same whichever carrier you choose.
Sources
- medicarejoe.org: homepage, FAQs, and about page, accessed October 13, 2026
- boomerbenefits.com: about-us, client service team, careers, client onboarding, and Medigap pages, accessed October 13, 2026
- BBB profile for Medicare Joe; Trustpilot page for Boomer Benefits, accessed October 13, 2026
If you live in California and want help comparing Medicare options, a Doodle licensed agent can walk you through them.