Liberty Medicare
Liberty Medicare is a licensed independent insurance agency offering free Medicare and individual health insurance advisory and enrollment across 9 US states, earning revenue through commissions from multiple major carriers including Aetna, Cigna, Humana, and UnitedHealthcare.
- Company typePrivate
- Founded2010
- HeadquartersWynnewood, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Liberty Medicare does
Liberty Medicare is a licensed independent insurance agency headquartered in Wynnewood, Pennsylvania, specializing in Medicare and individual health insurance brokerage for consumers across nine US states (Delaware, Florida, Illinois, Maryland, New Jersey, New York, Ohio, Pennsylvania, and Virginia). Founded in 2010 and operating under the legal entity Applied Logic Programming, the firm is a small operation (1–10 employees) that provides free advisory and enrollment assistance, earning revenue exclusively through commissions paid by the insurance carriers it represents. Its product portfolio spans Original Medicare Parts A and B education, standardized Medicare Supplement (Medigap) Plans A/C/D/F/G/N, Medicare Advantage (Part C) including HMO/PPO/PFFS/MSA/SNP variants, stand-alone Medicare Part D prescription drug plans, ACA-compliant major medical plans, short-term health, dental, individual supplemental (hospital indemnity, critical illness, recovery care), and US visitors health insurance.
The firm's distribution model is inside-sales oriented: licensed agents field inbound calls at 877-657-7477 and respond to online quote forms on libertymedicare.com, with revenue generated as carrier commissions on enrolled policies. The technology stack is minimal — a WordPress-based website, educational blog, social media presence (YouTube, Facebook, Twitter/X, Google+, RSS), and a downloadable Medicare library in English and Russian — with no proprietary platform, app, or API. Liberty Medicare holds appointments with a broad set of carriers including Aetna, Cigna, Humana, UnitedHealthcare, Highmark, Wellcare, CareFirst, Johns Hopkins Medicare Plans, Devoted Health, Simply Healthcare/Anthem, AmeriHealth Caritas, Care Plus, and Silver Script, which enables side-by-side plan comparison across Medicare Advantage, Supplement, and Part D products. The firm has developed niche expertise in Medicare Assistance Programs (Extra Help/Low-Income Subsidy, Medicare Savings Programs), positioning it to serve lower-income and Russian-speaking seniors in the Northeast corridor, and has extended into adjacent Social Security consulting services. There is no disclosed funding, no parent company, and no financial reporting; the business operates as an independent commission-based brokerage.
Liberty Medicare firmographics
Firmographics- Name
- Liberty Medicare
- Legal name
- Applied Logic Programming
- Website
- https://libertymedicare.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Liberty Medicare is a licensed independent insurance agency offering free Medicare and individual health insurance advisory and enrollment across 9 US states, earning revenue through commissions from multiple major carriers including Aetna, Cigna, Humana, and UnitedHealthcare.
- Ownership category
- akta.pro rank
Liberty Medicare industry classification
Industry- Product category
- Medicare and Individual Health Insurance Brokerage
- NAICS
- Services for the Elderly and Persons with Disabilities (62412)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)
Keywords
Where Liberty Medicare is headquartered
LocationHeadquarters
- HQ city
- Wynnewood
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Liberty Medicare business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Insurance Commissions: Liberty Medicare earns commissions from insurance carriers (Medicare Supplement, Medicare Advantage, Medicare Part D providers) when customers enroll in plans through their services. As an independent insurance agency, they represent multiple insurance providers and receive compensation from those carriers for policies sold.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Free advisory services for Medicare and health insurance plan selection |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Liberty Medicare product offering
Product offeringCore offering
Liberty Medicare is a licensed independent insurance agency that helps individual consumers understand, compare, and enroll in Medicare plans (Supplement/Medigap, Medicare Advantage/Part C, and Part D prescription drug plans) and individual health insurance products (ACA plans, short-term health, dental, and supplemental coverage) from multiple carriers across nine US states. All advisory services are provided free of charge to customers, with the agency earning commissions from partner insurance carriers on enrolled policies.
Product overview
Liberty Medicare is a licensed independent insurance agency offering a comprehensive portfolio of Medicare and individual health insurance products. Their core Medicare offerings include Original Medicare (Parts A and B), Medicare Supplement Plans (Medigap Plans A, C, D, F, G, and N) that fill gaps in Original Medicare coverage, Medicare Advantage Plans (Part C) with bundled prescription drug coverage, and Medicare Part D Prescription Drug Plans. For individuals under 65, they offer ACA-compliant Major Medical Plans, Short Term Health Insurance, Dental Insurance, and Supplemental Insurance products including Hospital Indemnity, Recovery Care, and Critical Illness plans. They also provide US Visitors Health Insurance for international visitors. The company operates across nine states (Delaware, Florida, Illinois, Maryland, New Jersey, New York, Ohio, Pennsylvania, and Virginia) and provides free advisory services to help clients select and enroll in appropriate plans.
Differentiator
Problem solved
Functional benefit
Products and services
- Medicare Supplement Plans (Medigap) Health insurance policies sold by private insurance carriers that fill the gaps in Original Medicare (Parts A and B) coverage, including deductibles, copayments, coinsurances, and excess charges. Available in standardized plans A, C, D, F, G, and N and targeted at Medicare-eligible individuals seeking predictable out-of-pocket costs.
- Medicare Advantage Plans (Part C) Medicare Advantage plans offered by partner private insurance carriers as an alternative to Original Medicare, bundling Part A, Part B, and usually Part D prescription drug coverage with extra benefits such as vision, hearing, dental, and wellness programs. Available in HMO, PPO, PFFS, MSA, and SNP types for Medicare-eligible individuals.
- Medicare Part D Prescription Drug Plans Medicare Prescription Drug Plans (PDPs) from partner carriers, available as stand-alone plans for Original Medicare enrollees or bundled with Medicare Advantage (MAPD). Plans cover generic and brand-name prescription drugs with varying premiums, deductibles, and formularies. Targeted at Medicare-eligible individuals needing prescription drug coverage.
- ACA Plans (Individual Major Medical Plans) ACA-compliant Individual Major Medical Plans available through the Health Insurance Marketplace, covering essential health benefits with no coverage limitations for pre-existing conditions. Includes HMO, PPO, and High Deductible Health Plans (HDHP) with HSA compatibility. Targeted at self-employed individuals, early retirees, unemployed individuals, and others without employer-sponsored coverage.
- Short Term Health Insurance Temporary major medical health insurance for individuals and families during transitions such as job changes, waiting periods, or before Medicare eligibility. Not ACA compliant, with coverage periods up to 90 days (extendable to 12 months under recent regulations, renewable up to 36 months). Targeted at under-65 individuals needing bridging coverage.
- Dental Insurance Plans Dental insurance plans including PPO/DHMO plans with network discounts, dental discount plans with no waiting periods, and indemnity dental plans with freedom to choose any dentist. Available with optional vision and hearing integration. Targeted at individuals seeking stand-alone dental coverage.
- Individual Supplemental Insurance Plans Supplemental insurance including Hospital Indemnity plans (paying cash benefits for hospital confinement), Recovery Care plans (covering short-term care after accident or illness in nursing/assisted living/home care facilities), and Critical Illness plans (lump-sum payments for covered conditions such as cancer or heart disease). Targeted at individuals seeking to offset out-of-pocket medical costs.
- US Visitors Health Insurance Short-term medical insurance for international visitors to the United States, available as Limited Coverage Plans (fixed amount per incident) or Comprehensive Coverage Plans (extensive coverage with deductible and coinsurance). Coverage effective from five days to one year. Targeted at non-US residents visiting the US.
Quantifiable outcome
- Extra Help program for Medicare prescription drug coverage estimated to save qualifying beneficiaries an average of $4,000 per year
Companies that use Liberty Medicare
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Liberty Medicare technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Liberty Medicare partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core.
- Aetna MedicarecoreAetna Medicare is represented by Liberty Medicare as a Medicare Advantage and Medicare Supplement provider in Delaware, offering HMO, PPO, PFFS, MSA, and SNP plan types.
- AmeriHealth CaritascoreAmeriHealth Caritas is represented by Liberty Medicare as a Medicare Advantage provider in Delaware.
- CignacoreCigna is represented by Liberty Medicare as a Medicare Advantage provider in Delaware.
- HighmarkcoreHighmark is represented by Liberty Medicare as a Medicare Advantage provider in Delaware.
- HumanacoreHumana is represented by Liberty Medicare as a Medicare Advantage provider in Delaware. Also available in Florida.
- UnitedHealthcarecoreUnitedHealthcare is represented by Liberty Medicare as a Medicare Advantage provider in Delaware.
- WellcarecoreWellcare is represented by Liberty Medicare as a Medicare Advantage and Medicare Part D provider in Delaware and Florida.
- Silver Script / AetnacoreSilver Script / Aetna is represented by Liberty Medicare as a Medicare Part D (prescription drug plan) provider in Delaware and Maryland.
- Care PluscoreCare Plus is represented by Liberty Medicare as a Medicare Advantage provider in Florida.
- Devoted HealthcoreDevoted Health is represented by Liberty Medicare as a Medicare Advantage provider in Florida.
- Simply Healthcare/AnthemcoreSimply Healthcare/Anthem is represented by Liberty Medicare as a Medicare Advantage provider in Florida.
- Care FirstcoreCare First is represented by Liberty Medicare as a Medicare Advantage provider in Maryland.
- John Hopkins Medicare PlanscoreJohn Hopkins Medicare Plans is represented by Liberty Medicare as a Medicare Advantage provider in Maryland.
Scale indicators1 record
Recent moves5 records
Expansion highlights5 records
Liberty Medicare competitors and assessment
Company assessmentBroad incumbents
- Humana: One of the largest Medicare Advantage and PDP carriers and a key carrier partner to Liberty Medicare. Comparable as a Medicare distribution incumbent whose direct-to-consumer channels compete with Liberty for the same beneficiary.
- UnitedHealthcare (AARP Medicare): Largest Medicare Advantage carrier and core carrier partner to Liberty Medicare. Comparable as a vertically integrated carrier-distributor whose scale and brand compete with independent brokers.
Direct peers
- SelectQuote: Public direct-to-consumer insurance distributor with a dedicated Senior division for Medicare products. Comparable as a multi-carrier Medicare broker leveraging phone, web, and carrier commissions.
- GoHealth: Public Medicare-focused insurance brokerage with telesales agents distributing MA, Supplement, and PDP plans across many states. Directly comparable in business model — licensed agents earning carrier commissions on Medicare enrollments.
- HealthPlanOne: Licensed online brokerage distributing Medicare Advantage, Supplement, Part D, and individual health plans nationally. Comparable multi-carrier Medicare broker model.
- QuoteWizard (by LendingTree): Insurance comparison platform that routes consumer leads to agents and carriers across health, Medicare, and other lines. Comparable as a Medicare and health lead-generation and distribution intermediary.
- eHealth / HealthCare.com: Large online Medicare and individual health insurance brokerage and lead-generation platform. Directly comparable to Liberty Medicare as a multi-carrier distribution intermediary earning carrier commissions on Medicare Advantage, Supplement, and Part D enrollments.
Emerging players
- Chapter: Tech-enabled Medicare advisory that matches seniors with Medigap and Part D plans via licensed advisors. Comparable as a Medicare-focused advisory intermediary, though differentiated by software-driven recommendation engine.
Regional players
- Agent Pipeline: FMO/IMO supporting independent Medicare agents with carrier contracts, training, and lead programs. Comparable as part of the Medicare distribution infrastructure in which Liberty Medicare and similar independent brokers operate.
Others
- Medicare.gov (CMS): Official government Plan Finder used by seniors to compare MA, Part D, and Medigap options directly. Functions as a free comparison tool that increasingly competes with broker advisory services like Liberty Medicare.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Liberty Medicare social profiles
Digital presenceLiberty Medicare financial estimates
Financial estimateRevenue estimate
Valuation estimate
Liberty Medicare leadership team
Management profileNumber of profiles
Liberty Medicare funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Liberty Medicare M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Liberty Medicare
What does Liberty Medicare do?
Liberty Medicare is a licensed independent insurance agency that helps individual consumers understand, compare, and enroll in Medicare plans (Supplement/Medigap, Medicare Advantage/Part C, and Part D prescription drug plans) and individual health insurance products (ACA plans, short-term health, dental, and supplemental coverage) from multiple carriers across nine US states. All advisory services are provided free of charge to customers, with the agency earning commissions from partner insurance carriers on enrolled policies.
Is Liberty Medicare a public or private company?
Liberty Medicare is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Liberty Medicare founded?
Liberty Medicare was founded in 2010. It employs 1 to 10 people.
Where is Liberty Medicare based?
Liberty Medicare is headquartered in Wynnewood, United States, in the North America region.
How does Liberty Medicare make money?
One revenue line is on record: insurance Commissions.
Who are Liberty Medicare's main competitors?
Broad incumbents on record are Humana and UnitedHealthcare (AARP Medicare). Direct peers are SelectQuote, GoHealth, HealthPlanOne, QuoteWizard (by LendingTree) and eHealth / HealthCare.com. Chapter is listed as an emerging player. Agent Pipeline is listed as a regional player. Medicare.gov (CMS) is listed as an others.
Does Liberty Medicare have an API?
No public API is recorded for Liberty Medicare.
What industry is Liberty Medicare in?
Liberty Medicare's product category is Medicare and Individual Health Insurance Brokerage. Its primary akta.pro industry code is FSAIAGAH, Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs). Its NAICS code is 62412 and its SIC code is 6411.