Carriers We Represent
Last updated: April 29, 2026
Independent. Not Captive.
American Retirement Advisors is an independent insurance brokerage. We are contracted with 30+ insurance carriers, which means we can shop across the market on your behalf. Our advisors earn the same flat compensation regardless of which carrier or plan you choose.
Our Carrier Partners
We represent major national and regional carriers including (but not limited to):
- Aetna
- Anthem Blue Cross Blue Shield
- Cigna
- Humana
- Mutual of Omaha
- SilverScript (CVS Health)
- UnitedHealthcare / AARP
- WellCare
- Centene
- Devoted Health
- Kaiser Permanente (where available)
Carrier availability varies by state and county. Your advisor will show you every option available in your specific ZIP code during your consultation.
What “Independent” Means for You
When you work with a captive agent, they can only show you plans from one company. When you work with us, we pull up every carrier contracted in your area and compare them side by side. You see the same screen we see. You pick what works for your situation.
Multi-Plan Disclosure
We do not offer every plan available in your area. Currently we represent 30+ organizations which offer more than 3,000 products in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week to get information on all of your options.