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CoverRight Health Insurance Review 2022

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Reviews 62

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Michael Graw
Michael Graw
May. 03, 20214 min read

CoverRight summary

CoverRight is an independent health insurance broker that helps you find the right Medicare plan for your needs. The company's online plan finder is free to use and includes Medicare Parts A and B, Medicare Advantage, prescription drug plans, and Medigap plans. You can enroll in coverage directly through CoverRight 's website or consult with a licensed advisor over the phone.

Pros

  • Free online Medicare plan finder tool
  • Sign up online or over the phone
  • Not required to submit your contact information

Cons

  • Only offers Medicare coverage
  • Must be enrolled in Medicare to sign up for a plan

At a Glance

Broker, Aggregator, or Agent?Broker
Products OfferedMedicare, Medicare Advantage, Medigap, prescription drug plans
Coverage LevelN/A
Plan TypesHMO, PPO
Suitable For? Medicare enrollees looking for a new plan
Can I keep my doctor? Yes
Standout featureComprehensive Medicare plan finder

Overview

CoverRight is a Medicare broker designed to help you find the right Medicare plan for your needs. The company's online plan finder tool asks you a series of questions about your eligibility, your budget, your medical needs, and your current doctors and prescriptions. Based on that information, CoverRight will automatically suggest one or more Medicare, Medicare advantage, prescription drug, or Medigap plans available in your area. 

CoverRight's plan finder is completely free to use. Unlike other brokers, CoverRight doesn't require your contact information, so you never receive unwanted calls after searching for plans. Another plus to CoverRight is that you can call to speak with a licensed insurance advisor at any time to get help evaluating your Medicare plan options.

Suitable For?

CoverRight is suitable for anyone who needs to change their existing Medicare coverage. CoverRight's platform can help you determine whether you need a Medicare Advantage or prescription drug plan. You must be already enrolled in Medicare in order to purchase a plan through the platform, but anyone can use CoverRight's free plan finder tool or talk with an advisor for help.

Policy Types and Terms

CoverRight offers the following Medicare-related plans:

  • Medicare Parts A+B: The ‘original' Medicare insurance covers hospital costs (Part A) and in-network medical costs (Part B).
  • Medicare Advantage plans: Medicare Part C plans bundle original Medicare and prescription drug plans. They typically also include dental, vision, and hearing insurance.
  • Prescription drug plans: Standalone prescription drug plans can be purchased as a supplement to Medicare Parts A+B to cover medication costs.
  • Medigap plans: Medigap plans provide additional coverage to pay for out-of-pocket costs that Medicare and Medicare Advantage don't cover.

The Application Process

You can start an application for Medicare coverage on CoverRight's website. If you're not sure what you're looking for, CoverRight offers a questionnaire that helps you narrow down your plan choices. If you already know what type of coverage you want, you can jump straight to looking at plan options in your area.

You can enroll in a plan directly through CoverRight. To enroll, you will need to enter your personal details and payment information if applicable. You will receive information about your new plan via email.

How much does it cost?

Medicare and Medicare Advantage plans range from free to around $100 per month. Most plans have an annual out-of-pocket maximum of around $5,000 to $7,000. Paid Medicare Advantage plans include dental, vision, and hearing (starting at $19 per month). Plans may also include a co-pay (less than $50 for in-network doctor visits) or up to 20% co-insurance.

Fees

CoverRight does not charge any fees to use its plan finder tool or to enroll in a plan. The company is compensated by your insurance provider when you enroll through CoverRight.

Qualifications

You must be enrolled in Medicare in order to sign up for a plan through CoverRight. The Medicare Advantage open enrollment period runs from January 1 to March 31 each year.

Help & Support

CoverRight offers customer support by phone and live chat. We found that it was easy to get in touch with a licensed advisor, and advisors were very knowledgeable about the different Medicare plans available.

Support hours: 8 AM to 8 PM (ET) Monday to Friday, 10 AM to 7 PM Saturday and Sunday

How Safe is It?

CoverRight uses 256-bit AES encryption and SSL security to ensure that any information you enter through the online application is safe. The platform doesn't require personal information unless you enroll in a plan.

FAQ

Can I enroll in Medicare through CoverRight?

You must enroll in Medicare through the Social Security Administration before you can sign up for insurance coverage using CoverRight.

Can I keep my own doctor with CoverRight?

CoverRight enables you to enter information about your current doctors and medications so that you can see which plans will allow you to keep your primary care physician.

Is CoverRight affiliated with any insurance companies?

No, CoverRight is a fully independent insurance broker. CoverRight makes money through commissions paid by insurers when you enroll in a plan.

Address

CoverRight Holdings, Inc., 195 Broadway, 3rd Floor, Brooklyn, New York 11211

Summary

CoverRight is an independent insurance broker that can help you find a Medicare, Medicare Advantage, Medigap, or prescription drug plan. The platform offers a free online plan finder and you can get help from a licensed advisor over the phone at any time. If you find a plan you like, you can enroll directly through CoverRight's website.

Methodology

This review was based on CoverRight's website and online application, as well as a chat with CoverRight's customer support team.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

CoverRight
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  • author
    customer
    4 hours ago
    Great service

    Great service. They were polite, knowledgeable, patient and kind. What more can you ask for! Thanks so much

    ...

  • author
    Sean Masterson
    2 days ago
    Richard C and Holly H from CoverRight…

    Richard C and Holly H from CoverRight took the time and made the effort to ensure my coverage included my main health care provider and that everything I would need was all in network. Multiple calls had to be made by them to the provider to ensure it would all work out. Really appreciate the above and beyond effort.

    ...

  • author
    Cait Falck
    4 days ago
    Navigating the world of Medicare made easy.

    Richard was extremely helpful in helping me navigate the world of Medicare. This made all the difference and eased my mind. The process was easy.

    ...

  • author
    john birdxpert.com
    May 17, 2022
    Richard Chan provided excellent…

    Richard Chan provided excellent service. He was knowledgable and well versed on the medical options. Also Richard was on time for appointments and very efficient. Let's face it who wants to stay on a phone call just waiting to speak to a overworked government employee. In the time I would have been on hold I did the whole experience in 1/3 the time. Recommend CoverRight to everyone who does not have a masters in Medicare.

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  • author
    Tom Earnest
    May 04, 2022
    Richard is great agent

    Richard is great agent! I will recommend him to all my retiring friends!!!!!!

    ...

  • author
    Paul Coffey
    May 03, 2022
    prompt professional and courteous on Medicare topics

    prompt, professional, thorough, responsive- very impressive. A complete complimentary advisor especially if you've done some homework to familiarize yourself with the subject and have questions prepared. I can think of nothing to make the service more comprehensive or complete. Very satisfied and would highly recommend Richard and his team.

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  • author
    Pamela Young
    Apr 29, 2022
    I really like Tom Ness's approach and…

    I really like Tom Ness's approach and professional attitude, explained everything completely, I will send other clients his way when I can.

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  • author
    Mary Kleinman
    Apr 29, 2022
    Tom was very knowledgeable and…

    Tom was very knowledgeable and thorough. He was a pleasure to work with.

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  • author
    customer
    Apr 26, 2022
    Thanks for your help me to complete…

    Thanks for your help me to complete fill up MediGap and part D application.

    ...

  • author
    Tequesta
    Apr 23, 2022
    Great Company Easy Process

    The process was easy and they were friendly. I would recommend them if you are looking for plans.

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  • author
    Ann
    Apr 20, 2022
    Thomas was a joy to work with

    Thomas was a joy to work with. He was so patient, he took his time. He made my mother in law feel very comfortable

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  • author
    Karen Bauer
    Apr 13, 2022
    Tom N was very patient with all my…

    Tom N was very patient with all my questions/ concerns in regards to choosing my plan. It was a pleasure to work with him.

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  • author
    customer
    Mar 28, 2022
    Cover right was very helpful.

    Cover right was very helpful.

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  • author
    Denise
    Mar 25, 2022
    Right person for the work

    Thomas Ness very helpful, patient and knowledgeable

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  • author
    Denise
    Mar 21, 2022
    As a soon to be retiree and a new…

    As a soon to be retiree and a new beginner to the Medicare System, I began to research Medicare Plans. I had a few advisers contact me with plans and options, but all were overwhelming, and I got lost in the translation until I spoke with Tom from CoverRight he was patient and explained in terms I understood. I felt at ease. I chose CoverRight because of Tom; I felt confident with the plan I decided on it's the right plan for me. Tom, Thanks so much!

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  • author
    Bob E.
    Mar 16, 2022
    Everything went smoothly.

    Everything went smoothly.

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  • author
    Joni Gold
    Mar 11, 2022
    Thank you again Tom and thank you CoverRight!

    This agent, Tom, was very good in covering all avenues with me and explaining things in detail that I could understand. He answered every single question that I had. (He also took the time to listen patiently to some of my personal stories) His approach was genuine in meeting my personal needs for coverage. Thank you again Tom and thank you CoverRight! Joni Gold

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  • author
    Miriam Westheimer
    Mar 07, 2022
    The process was clear and…

    The process was clear and straightforward. Lots of good information in a timely and thoughtful manner.

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  • author
    Carl Wolfston
    Mar 03, 2022
    Thomas Review

    Thomas did an excellent job explaining my options and working with him was professional. I would have no problems recommending him to another person.

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  • author
    Karen Di Donato
    Mar 01, 2022
    Not planning on changing plans‼️…

    I was not planning on changing plans but after I talked with your agent Thomas Ness, he was very helpful and easy to understand! He spent time on getting the answers that I needed and had a pleasant personality. He was following what I was looking for my insurance coverage and I had questions and he investigated even though sometimes we, because he included me in some of the calls ,to find what I was looking for! He got the job done and I was happy with this plan offered! I will pass on my good experience with others.

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  • author
    Melinda W
    Feb 19, 2022
    Thomas was great

    Thomas was great ! Outlined my best options, answered all my questions & made this process easier for me. Which was very appreciated ! I will be recommending him to others ! Thanks Melinda

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  • author
    Paul Bradley
    Jan 27, 2022
    Patient and through

    Patient and through Was very easy to work with and quick to follow up to ensure our satisfaction

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  • author
    Michael Cosgrove
    Jan 25, 2022
    Our health insurance advisor

    Our advisor, Tom, was helpful and knowledgeable. He helped make sense of it all.

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  • author
    Eileen Mandilakis
    Jan 24, 2022
    Tom was very thorough and extremely…

    Tom was very thorough and extremely patient with me and made sure I understood everything. He went through everything possible. Another very important thing is that he spoke clearly with good English which made the process more efficient. Thank you Tom!!

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  • author
    John Anderson
    Jan 22, 2022
    Thomas at CoverRight was amazing!

    Thomas at CoverRight was amazing! -- very knowledgeable, no pressure, great plans.

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  • author
    Raj
    Dec 17, 2021
    Good experience

    Me and my husband enrolled with a agent very pleasant and kind. He is very knowledgeable in his profession.we recommend for family and friends.

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  • author
    A guy from the Bronx
    Dec 07, 2021
    I wish all service was like this!

    I wish all service was like this! Tom worked with me through a number of Medicare options I was considering, with infinite patience and good guidance throughout. He followed up on every question I had and responded quickly to my emails, even over the weekend. Could not have asked for more! thanks, Tom!!!

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  • author
    John H
    Dec 03, 2021
    Tom was very nice and helpful

    Tom was very nice and helpful . But the process itself was long and cumbersome.

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  • author
    Paul Bradley
    Nov 29, 2021
    Patience and Thorough

    Because of scheduling conflicts on my part the process had a few starts and stops but Thomas was very patient and easy to work with. He took the time to make sure we understood the policy and the whole process of securing our future medical needs.

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  • author
    GG
    Nov 19, 2021
    Super help finding a plan to fit my…

    Super help finding a plan to fit my needs.

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  • author
    Susan Horowitz
    Nov 16, 2021
    Tom is great!

    Tom exceeded all my expectations by 1) helping me navigate this process 2) helping me find what was right for me which included some back and forth which he was always willing to do 3) was truly available any time of day or night.

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  • author
    BILL O
    Nov 14, 2021
    CoverRight Excellent Selection did it for me!

    I just turned 65 a few months ago and was very confused with how to select a health care provider through Medicare. Since I was on Medicaid and did not want to lose any of the benefits that I’m receiving from it. I wanted to combine Medicare & Medicaid benefits in one Health provider, but I did not know which one to choose. Then, I received a phone call from Mr. Thomas N. who helped me make my selection easily. After I explained my situation to Mr. Thomas N. and what I needed, he was very understanding and patient with my request by explaining all my options, and what was the best for what I was looking for. I’m very pleased with the service that CoverRight provided for me with agent Thomas N. who went above and beyond to help me sign up with UnitedHealthcare Medicare Advantage Assure (PPO).

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  • author
    Don W
    Nov 14, 2021
    Cover Right - Great Experience!

    I would highly recommend Cover Right to help navigate the Medicare jungle! Tom was extremely patient, very knowledgeable, and professionally guided me to an insurance solution that made sense for me. I never got the feeling of being rushed or being sold something that I didn't need. The process can take some larger chunks of time, but Tom was very flexible with arranging time to talk, even on the weekend! I would not hesitate to work with Cover Right and would highly recommend their services! Don W

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  • author
    Virginia
    Nov 11, 2021
    I was very well taken care of …

    I was very well taken care of and listened to my medical concerns. Things are working great. Finding the right company and help was challenging,but it was worth it because you helped me.

    ...

  • author
    Debra Cann
    Nov 11, 2021
    Thomas was very patient and helpful

    Thomas was very patient and helpful. He explained benefits plainly and everything went as I expected. I would recommend my friends and family to contact him.

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  • author
    charles tien
    Nov 12, 2021
    Deal directly with the companies vs Coverright !!

    A Thomas N , holding several titles i.e. client services manager , benefits consultant , licensed agent was a total failure . He failed to even follow up on his own promise that he would get back to me the next day concerning drug coverage . Even after prodding him , he failed to reply back . When I went online to initiate " a chat " , I asked for the name of their lead agent ; I received no response !! A couple of hours after I wrote the above paragraph , Thomas N SUDDENLY had the drug coverage information . In addition , he had already read the above and asked me to remove the review . NOT A CHANCE ! While looking for his CEO's email address, I found out that Thomas acquired yet another title to his list i.e COO .

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  • author
    Pete Li
    Nov 08, 2021
    Excellent guidance and professionalizm

    Tom has been very helpful for our Medicare advantage plan shopping, comparing and enrollment. His professionalism give us confident in selecting a best suitable plan for our situation. Thanks again for your patience and assistance in our advantage plan enrolled with Aetna HMO plan.

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  • author
    JanHerchelroath
    Nov 05, 2021
    Review of Tom N of CoverRight

    Tom N. has been so professional, courteous, and patient. Having spent nearly four hours discussing my insurance needs, I can honestly attest to all these characteristics. Even with the complexity of subject, he makes information easy to understand and his speech clarity is excellent, without need for repetition. He answered all my questions directly and when unsure of something, he was quick to recheck with more informed sources to ensure the correct answer. He comes across as honest and is delightful to interact with. I would surely recommend him to others, as well as offer him a raise for the excellent quality of his work!

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  • author
    Brenda Bea
    Nov 03, 2021
    Need insurance

    They did a great job. Was a lot to me.

    ...

  • author
    Barbara
    Oct 30, 2021
    Knowledgeable

    Knowledgeable, thorough, diligent. Couldn't have been a better agent myself.

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  • author
    Karmaisa B
    Oct 01, 2021
    Tom was helpful and really went above…

    Tom was helpful and really went above and beyond to help me get the gap coverage I needed as a new Medicare recipient. He informed me thoroughly of all of my choices and found the best fit for me while also being both professional and personable. I am glad I found him to assist me through this confusing process!

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  • author
    Virginia
    Oct 01, 2021
    Thomas N

    Thomas N. explained three different plans to me. Upon my decision, he discussed it in detail and was very patient with my numerous questions. He is a valuable asset to this company.

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  • author
    Fred Langbecker
    Sep 27, 2021
    Thomas Ness was an absolute rock star…

    Thomas Ness was an absolute rock star to work with. Totally professional, he knew his material, if he needed to get back to me with an answer it happened in 24 hours, and when we made an appointment to talk, he called exactly on time! Not 10 minutes late, not 5 minutes late...exactly on time, which I appreciate. Pleasant, thorough, and professional...one of the best online experiences ever! Give the man a bonus & a raise on top of that!

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  • author
    Lisa Mendez
    Sep 17, 2021
    Excellent service and communication.

    We had a wonderful experience with Tom Ness. He was very patient, informative and pleasant. He was thorough with each plan compared and really listened to my husband’s needs and concerns. He went above and beyond what was necessary to fit his services into our schedule and was very professional about us having to reschedule multiple times on short notice. He made us feel comfortable with this new process for us and like we contributed in the devise that we’re made.

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  • author
    Cindy Duncan Herald
    Aug 31, 2021
    Great customer experience!

    Tom called within minutes of the request for a call back. He was very patient, kind and very knowledgeable and happy to answer the many questions I had. He took time to explain the options and assessed my wants and needs. He took time to look up my Dr’s to make sure they were on the plan, as that was important to me. He made me feel it was all about me.

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  • author
    Tiger Williams
    Aug 30, 2021
    Thomas Ness An Angel By Surprise

    The agent was patient informative and receptive to all of my requests, Even some of those that were a bit more unique or detailed. it was a pleasure interacting with him because his diligence and insight help me make a decision that I was most comfortable with. You guys are privileged to have him as a part of your organization. Vernell Tiger Williams 🐅

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  • author
    Greg Williams
    Aug 30, 2021
    Trustworthy

    Trustworthy, conscientious, goes the distance even when it gets complicated. I cannot recommend CoverRight enough when you are trying to navigate through Medicare Advantage plans.

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  • author
    Leanora Abbs
    Aug 17, 2021
    Medicare Advantage Made Easy

    Since becoming eligible for Medicare, I have been receiving all sorts of information from various companies which i found overwhelming. Your agent, Tom, called me following a request for information that I had sent in. Having answered a few questions, Tom suggested a couple of popular plans and walked me through every detail. He was courteous and knowledgeable of all products and simplified everything for me. I feel relieved and confident that this plan is exactly right for me. Thank you Tom, Richard and team!! 10 out of 10!

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  • author
    Bob Schulte
    Aug 14, 2021
    Thomas N

    Thomas N. went above and beyond to help me find a Medicare Advantage Plan that was right for me. Never any pressure to chose a plan. All questions answered everything in a timely response.

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  • author
    RMT
    Jul 23, 2021
    Thomas Ness was great!

    Thomas was wonderful to work with. He always follows up when he says he will and is very thorough. He was very pleasant and professional and made what could have been an arduous registration experience seem relatively easy and straightforward.

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  • author
    Joey DiMarco
    Jul 15, 2021
    CoverRight/Tom Ness High Quality Ins. Rep.

    Tom Ness, was very easy to talk to and very helpful, respected my wishes. I asked him not to call me on the phone, only email, until I was ready to make a decision. He respected that wish. When it came time to ask all the questions and signup he was right there to assist. Only regret is that I wish HE would be my representative for my Ins. needs.

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  • author
    Alan
    Jul 11, 2021
    Online search of Medicare Advantage

    From an online search of Medicare Advantage providers I found Richard by chance. He provided my options as side-by-side tables allowing me to compare coverage and cost from basic to cadillac plans. The whole process did not take long, and pleased with the results. I now have better coverage than Medicare alone for a small $15/month additional premium.

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  • author
    Deborah Vigliotti
    Jul 06, 2021
    Richard was very helpful & I understood…

    Richard was very helpful & I understood my needs

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  • author
    Melva Walton
    Jul 03, 2021
    Calm/ Professional/ Skills

    I’m very happy with the customer service Mr.Richard C. Provide for me In helping me with the Medicare advantage AARP plan He was so great to listen and check for Dr. in network Employees like him are hard to find so please let him know that he did a great job If he haven’t had a raise in a while then please give Him one Thank you Melva Walton He one

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  • author
    Patti
    Jun 29, 2021
    Great service

    Great service. I was filling in information in a questionnaire and got a phone call before I was finished. All my options were explained in detail so that I could make in informed decision.

    ...

  • author
    David Peters
    Jun 29, 2021
    Superb

    Superb! Thorough, patient, informative. Tom clearly explained complicated medicare supplemental and advantage plans. Thank you!

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  • author
    Curtis Brewer
    Jun 24, 2021
    Richard was concise

    Richard was concise, informative and helpful. A breath of fresh air compared to most. Overall a great sign-up experience.

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  • author
    Pete Li
    Jun 19, 2021
    Tom was very resourceful and…

    Tom was very resourceful and professional went over different Medicare advantage plans and explain each plan, differences, pros and cons, helped us toward to select a plan that suitable for us.

    ...

  • author
    Barry
    Jun 15, 2021
    Very helpful and patient.

    Very helpful and patient.

    ...

  • author
    KEL
    Jun 13, 2021
    Excellent Approach to Sales-Honesty, Knowledge & Kindness!

    I spoke to several agents in my search for the right Medicare plan. Thomas was by far my favorite. He was detailed in explanations, patient through my many questions, and actually made the experience pleasant. He is personable and went the extra mile to help. Trust is an issue for me, yet I trust Thomas. That was sadly lacking in those at other companies. Thomas's is a huge asset for his company.

    ...

  • author
    Mark Wozniak
    May 19, 2021
    Aldon

    Aldon, was extremely helpful in choosing the right plane for me. thank you so much.

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  • author
    Gwendolyn Manigold
    Apr 22, 2021
    Aldon was very helpful

    Aldon was very helpful. My coverage doesn’t start till May so I will update when I have a claim.

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  • author
    Susan Norton
    Apr 21, 2021
    I highly recommend CoverRight.

    I have been researching Medigap for two years. The day before my eligibility, I randomly chose the wrong one out of desperation. I called CoverRight after filling out the form on Google. It was late in the evening, but the representative, Aldon Trimble, took time with me, listened to what I was looking for, found the plan that fit my needs, and helped me apply to change my Medigap even though it is not during a time acceptable to change. I definitely recommend CoverRight for helping with choosing your Medicare supplement.

    ...

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