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Welcome to CareFree

At CareFree, we strive to help you build your Medicare business. As a contracted agent you will have access to a CareFree agent dashboard which will track your progress towards getting ready to sell and set you on the road to success. Below is a comprehensive list of everything you need to help you get started.

If you have any questions, please reach out to your Broker Sales Manager. If you are unsure who your Broker Sales Manager is, Contact Us. To the right is a list of emails you should save to your contacts, should you ever have a question.

Logging Into Your CareFree Profile

All contracted CareFree agents have access to the resources on our website.

Review this quick video to see the resources available.

If you are a contracted agent and have trouble accessing your profile, reach out to us at: [email protected].


Managing and maintaining your license(s) is critical. Set time aside to obtain and manage licenses in all the states you intend to sell.

Non-Resident Licensing

Where do you want to be able to sell? Do you have relatives, friends, or clients who live out of state? In order to serve anyone who doesn’t live in your state of residence, you must have a non-resident license.

Every state’s process for requesting a non-resident license is different. Use the NIPR to start the process by clicking Apply for a New License and following the prompts.

To sell carrier products you are already contracted with in the new non-resident state, request an appointment to the state through your upline.

Licensing Renewal

Every state has different requirements for Continuing Education to maintain a producer health license.

Use NIPR to find current licenses, apply for resident and non-resident licenses, and pay fees for renewals.

Your state’s Department of Insurance website has information about continuing education requirements.

CareFree has partnered with WebCE to reduce the costs of courses to complete these requirements. Sign up for discounted CEUs using these instructions.

Contracting with Carriers to Sell MAPDs/MAs/PDPs

What carrier’s products do you want to offer clients? We recommend a variety of carriers to ensure you have enough options to meet your clients’ needs. There is no limit to the number of carriers you can contract with.

Each carrier’s process is slightly different; however, there are three common elements:


  • You only need to complete a contract the first year you are selling for the carrier. If you actively sell their products and recertify every year, the contract remains active.
  • You can request a carrier contract for your state of residence from your Dashboard or contact your Broker Sales Manager.
  • To request a carrier contract for a non-resident state, send an email to [email protected]. Include the carrier's name, your NPN, and the state in which you wish to be appointed or contact your Broker Sales Manager.

After you complete the contract and return it to the carrier, carriers will verify the information and complete background checks, and then provide certification instructions. Contract processing time varies by carrier and time of year.


You must take and pass the AHIP exam every year. AHIP certification is an industry recognized method of proving that you have completed the required Medicare training courses and that you understand how to sell Medicare in a way that is compliant with the Centers for Medicare & Medicaid Services (CMS). You will only take this certification once a year, and you can share the score with most carriers.

AHIP costs $150 every year. CareFree Insurance Services will pay for your first year if you contract with at least two carriers with us. For subsequent years, many carriers offer discounts on the price of AHIP. Reach out to carriers for more information.

Building Your CareFree Network
Broker support is available to you.
There are many ways to reach your Service Operations Team:

You should also take the time to develop a relationship with your sales leader.
Their contact information is on our Team page.

Contracts and Commissions

Contracts with CareFree are shown on the dashboard. There are tiles to explore on many topics.

If you are interested in adding contracts, you can start the process on the Agent Dashboard by clicking on the Add Contracts button on the righthand side of the screen.


Make sure you get your payments quickly by completing your W-9 Form and the CareFree ACH Authorization Form as soon as possible.

Training and Resources

At CareFree, we believe knowledge is the key to success. We offer a variety of resources and materials for you to learn more about CareFree Insurance Services and how we can help you expand your knowledge, build your business, and increase your income.

Sign up on our Events page. Topics change weekly, and we send emails announcing our monthly topics.


Onboarding at CareFree has never been easier. To guide you through this process please watch this New to CareFree Resource Kit.

We’ll meet you wherever you are in your career, and help you take the next step. Below are direct links to our more commonly requested trainings:

Important External Links

Be sure to download the Medicare & You booklet clients receive annually. Bookmark and review these websites:
  • - Used by consumers to sign up for Medicare online.
  • - A Medicare beneficiary-facing site hosted by CMS.
  • Medicare & You - Compare plans and answer basic Medicare questions.
  • - An informational site with deep dive information hosted by CMS.

We proudly offer CareCompare, the industry-leading broker technology which provides the most advanced remote selling capability available. Learn how to utilize this exciting new tool to enable multi-carrier MA/PDP remote sales through a mobile-friendly enrollment platform.

Agents who are contracted with CareFree and have attended a CareCompare Access Training session are given complimentary access to the tool. It’s as easy as that! We have a team of Broker Managers, trainers, and digital experts dedicated to making sure it is. Learn more about CareCompare!


CareFree supports you with an extensive library of Marketing Resources to help you grow your business.

Already a CareFree agent
and need to attend training?

RSVP for an upcoming training event to start selling with CareCompare.


Not a CareFree agent?
Join the team!

Get contracted today and start selling with CareCompare!

Get Contracted

Want to learn more
and build your skills?

Attend monthly training sessions to stay up to date on industry topics.

Learn More