Regional carriers offer strong local reputations and hospital connections that can be beneficial options in your portfolio to fill in the gaps the national carriers miss. Contracting with regional carriers is a great way to leverage new opportunities to fill in the gaps the national carriers may miss.
Remember, a well-balanced portfolio has larger, national and smaller, regional carriers. We’ll recommend a few exceptional regional carriers we strongly suggest agents add to their portfolio.
Note: Carriers listed in alphabetical order.
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1. Contract with AmeriHealth | Southern NJ
Agents living or licensed in the Southern New Jersey area should strongly consider adding a contract with AmeriHealth. Their Medicare Advantage plans allow clients to easily access care through one of New Jersey’s largest health care provider networks. Individuals also don’t need a referral to see a specialist.
With great, local care available, AmeriHealth’s plans can be very affordable. Plan members have the ability to access free annual wellness visits with their primary care provider to manage their health. Beneficiaries can also receive added benefits to help manage their health.
Registered with Ritter? Log in to get appointed with AmeriHealth.
Not registered yet? Let us know you’re interested.
Note: Our AmeriHealth MAPD contract is under Independence Blue Cross in Contract Now. Select IBC — AmeriHealth Medicare for the proper plan year.
2. Contract with Capital Blue Cross | Central PA
Capital Blue Cross is a great option for agents working in central Pennsylvania or the Lehigh Valley. In these areas, Capital Blue Cross’ Medicare Advantage plans can provide members with access to one of the largest networks of hospitals, physicians, and medical professionals in the coverage region. As of 2024, the network even includes Geisinger providers!
This carrier’s national PPO network provides peace of mind, knowing that, with the visitor/traveler program, members can receive care from any participating Blue Cross Blue Shield Medicare Advantage PPO provider. This reduces out-of-network costs for clients in cases of emergency when they’re not at home.
Capital Blue Cross’ broker portal includes:
- Online enrollment
- App status lookup
- Benefits & sales material
- Producer manual
- Book of business view
- HRA information and log in
This carrier has a long upstanding reputation because of their association with Blue Cross Blue Shield. With their broad, local coverage network, you should contract with this carrier to provide an excellent regional option to your clients in this area.
Registered with Ritter? Log in to get appointed with Capital Blue Cross.
Not registered yet? Let us know you’re interested.
3. Contract with Clover Health | GA, NJ, PA, SC, & TX
Agents licensed or working in Georgia, New Jersey, Pennsylvania, South Carolina, and Texas should add a contract with Clover Health. Medicare Advantage plans from this carrier can offer affordable premiums, low copays, and added benefits with an emphasis on preventative care.
Clover stresses proactive care management with features such as the Clover Assistant. This powerful digital assistant analyzes patient data to provide personalized recommendations at the point of care. Clients and providers can access the AI-powered tool online to make decisions about their health quickly and efficiently.
This carrier offers competitive commissions with exclusive Agent of Record protection. Agents contracted with Clover can also access a local sales manager for sales support. With a complete library of training, resources, and tools, you can take charge of your own success. We strongly recommend this carrier to agents selling in Clover’s states!
Registered with Ritter? Log in to get appointed with Clover Health.
Not registered yet? Let us know you’re interested.
4. Contract with Excellus BCBS | Upstate & Western NY
For agents residing or licensed in upstate and western New York, we recommend adding Excellus BlueCross BlueShield (BCBS) to your portfolio!
For 2025, all plans include low- to no-cost:
- Preventive dental care
- Tier 1 generic drugs
- Preventive vaccines
- Hearing exams
- Preventive care services
- A flexible fitness package
Your clients will be able to leverage a powerful provider network with 100 percent hospital participation. With a strong provider network and affordable benefits, adding Medicare plans from Excellus BCBS should boost your portfolio!
Registered with Ritter? Log in to get appointed with Excellus BCBS.
Not registered yet? Let us know you’re interested.
5. Contract with Geisinger Health Plan | PA
For agents in Pennsylvania, we also recommend adding a contract from Geisinger Health Plan. Their Medicare Advantage plans are nationally recognized for their disease management programs. With access to local hospitals, receiving care is convenient. Speaking of convenience, Geisinger also offers mail-order prescription refills.
This carrier makes it easy for clients to maintain their whole health with wellness programs online, in person and by phone. Geisinger’s 65 Forward Health Centers offer same-day appointments, longer appointment times, social and educational activities, personal wellness plans, and more!
There is also support for your business with the Geisinger Gold Marketing Portal. They offer turnkey marketing support to encourage growth for your business with Geisinger. Consider adding a new contract with Geisinger to your portfolio today to add richness!
Registered with Ritter? Log in to get appointed with Geisinger Health Plan.
Not registered yet? Let us know you’re interested.
6. Contract with Jefferson Health Plans | NJ & PA
Jefferson Health Plans offers coverage in south central New Jersey and southeastern and central Pennsylvania and is a great option for agents licensed in these areas. This carrier is a competitive regional option for clients because of their flexible coverage. There are no preferred pharmacies or hearing aid center locations. With a PPO plan from Jefferson Health Plans, your clients can choose to see an out-of-network provider.
This carrier is growing and has an excellent partnership with the Lehigh Valley Hospital and health system. Jefferson Health Plans can be a strong option for agents looking to provide local options with all of the benefits of specialized regional carriers.
Registered with Ritter? Log in to get appointed with Jefferson Health Plans.
Not registered yet? Let us know you’re interested.
7. Contract with Regence | Northwest
Regence is a noteworthy option for agents licensed in Idaho, Oregon, Utah, and Washington. Backed by the Blue Cross Blue Shield brand, Regence is an excellent carrier with a longstanding reputation for taking care of their clients. This carrier offers plans that allow beneficiaries to see any in-network provider without a referral to make finding care simple.
They also offer medical management programs to support members at any stage of their health. Regence’s benefit-rich plans encourage clients to lead healthier lives with the support of their health insurance provider. Consider adding insurance options from Regence to give your clients in this area a great regional carrier to choose from!
Registered with Ritter? Log in to get appointed with Regence.
Not registered yet? Let us know you’re interested.
8. Contract with SummaCare | OH
Agents in Ohio looking to add a strong Medicare Advantage carrier to their portfolio should look to contract with SummaCare. This carrier focuses on tailoring coverage to suit the needs of clients and supporting agents with their marketing efforts. Their MA plans offer different copay structures to cater to clients’ needs and budgets.
Agents can purchase customizable marketing materials from the Broker Marketing Store to aid in their goal to build new relationships with their clients in Ohio. With a large network of more than 25,000 providers and 75 hospitals, clients are likely to be able to find a high-quality doctor in their area that is covered.
Registered with Ritter? Log in to get appointed with SummaCare.
Not registered yet? Let us know you’re interested.
9. Contract with SCAN Health Plan | Southwest
Agents in Arizona, California, New Mexico, Nevada, and Texas should add a contract with SCAN Health Plan to better support their clients in the Southwest.
Beneficiaries can enjoy benefits such as transportation to doctor’s appointments, over-the-counter prescription allowance, discounts on fitness equipment, gym memberships, and more!
Benefits and availability vary by plan and county, but all SCAN Health plans include primary care coverage, preventative care, and hospitalizations. This carrier is well known for its strong customer satisfaction rate so adding this carrier will enrich your clients in these service areas!
Registered with Ritter? Log in to get appointed with SCAN Health Plan.
Not registered yet? Let us know you’re interested.
Deciding to add a new carrier or plan to your portfolio can be intimidating, but you don’t have to search for which carriers to add. We hope these recommendations help, but if you’re still looking for regional guidance, we can help with a free portfolio review.
Our sales team will review your current portfolio, strong carriers available in your local market, and make customized recommendations with our Ritter Smart Sheet. Complete and enhance your portfolio in time for your AEP prep!
Make your AEP prep go smoothly by registering with Ritter. Receive sales support and sales technology for free with your registration!
Not affiliated with or endorsed by Medicare or any government agency.
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