MedicareCU
MedicareCU is an independent insurance agency and Credit Union Service Organization that provides free Medicare education, plan comparison, and enrollment services to members of 35 partnered U.S. credit unions, earning commissions from 150+ insurance carriers on each enrollment.
- Company typePrivate
- Founded2014
- HeadquartersMidvale, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What MedicareCU does
MedicareCU, LLC is an independent insurance agency operating as a Credit Union Service Organization (CUSO) headquartered in Midvale, Utah. Founded around 2013/2014, the company provides Medicare education, plan comparison, and enrollment services exclusively to members of its 35 partnered credit unions across the United States. Its portfolio spans Medicare Advantage (Part C), Medicare Supplement (Medigap), Part D prescription drug plans, Original Medicare, Individual/Family Health Insurance, and Cancer and Critical Illness Plans. The core service is a free, one-on-one consultation with licensed advisors who audit members' current doctors, prescriptions, and out-of-pocket exposures to recommend coverage from a panel of 150+ insurance carriers.
MedicareCU operates as a B2B2C distribution intermediary rather than a technology platform. Its "platform" is an agent-led workflow that combines a doctor/prescription audit process, an unbiased plan comparison engine, and an out-of-pocket cost analysis to identify optimal coverage. Services are delivered via licensed independent agents and Medicare advisors assigned to specific credit union partnerships, supported by telephone, direct mail, and email outreach coordinated with each credit union. The company has no developer-facing API, no mobile app, and no disclosed AI/automation capabilities; human advisors remain the central operational unit.
The business model is a commission-based insurance brokerage. MedicareCU is paid by insurance carriers when members enroll in Medicare Advantage, Supplement, or Part D plans, and shares revenue with credit union partners through a licensed arrangement that creates non-interest income for the CUSO participants. Services are free to members with no obligation. The company is privately held, founder/family-led (CEO Stanton Furness, President Rock J. Carter, VP of Operations Joel Furness), has no institutional funding, no subsidiaries, and operates from a single Midvale, UT office.
MedicareCU firmographics
Firmographics- Name
- MedicareCU
- Legal name
- MedicareCU, LLC
- Website
- https://medicarecu.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- MedicareCU is an independent insurance agency and Credit Union Service Organization that provides free Medicare education, plan comparison, and enrollment services to members of 35 partnered U.S. credit unions, earning commissions from 150+ insurance carriers on each enrollment.
- Ownership category
- akta.pro rank
MedicareCU industry classification
Industry- Product category
- Medicare Insurance Brokerage
- SIC
- Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- Medicare Plan Administration & Third-Party Services (TPA/BPO, Enrollment, Billing) (FSAIAGAI)
Keywords
Where MedicareCU is headquartered
LocationHeadquarters
- HQ city
- Midvale
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
MedicareCU business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D
Revenue model
- Insurance Commission Revenue: MedicareCU generates revenue through commissions paid by insurance carriers when members enroll in Medicare Advantage, Supplement, or Part D plans. As an independent broker, they represent over 150 insurance companies and earn commissions on each successful enrollment.
- Credit Union Partnership Revenue: Revenue is shared with credit union partners through a licensed arrangement that allows credit unions to participate in Medicare program revenue. The company mentions Non-interest Income Potential for partnered credit unions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free Member Services - No cost to credit union members |
Go-to-market motion3 records
Distribution channels2 records
Marketing channels4 records
MedicareCU product offering
Product offeringCore offering
MedicareCU is an independent insurance agency operating as a Credit Union Service Organization (CUSO) that delivers free Medicare education, plan comparison, and enrollment services to credit union members through licensed advisors. The company compares Medicare Advantage, Supplement, Part D, and Original Medicare options from 150+ insurance carriers, audits doctor and prescription coverage to ensure compatibility, and provides year-round plan review and optimization support. Revenue is earned through commissions paid by insurance carriers on successful member enrollments, with a portion shared back to partnered credit unions.
Product overview
MedicareCU is an independent insurance agency that operates as a Credit Union Service Organization (CUSO), providing Medicare education and enrollment services exclusively to credit union members across the United States. The company offers a portfolio of Medicare-related products including Medicare Advantage Plans (Part C), Medicare Supplement Plans (Medigap), Medicare Part D Prescription Drug Plans, and Original Medicare. Their service model centers on personal consultation with licensed advisors who provide unbiased, one-on-one guidance to help members navigate Medicare options. The Credit Union Partnership Program allows credit unions to extend their member services by offering Medicare solutions through MedicareCU's expertise and infrastructure. Additional products include Individual/Family Health Insurance and Cancer and Critical Illness Plans for seniors.
Differentiator
Problem solved
Functional benefit
Products and services
- Medicare Advantage Plans Medicare Advantage (Part C) plans offered through private insurers that provide Part A and Part B coverage, often including additional benefits like vision, hearing, and dental coverage. Enrolled through MedicareCU's licensed advisors for credit union members.
- Medicare Supplement Plans (Medigap) Supplemental insurance policies that help cover out-of-pocket costs not covered by Original Medicare, including copayments, coinsurance, and deductibles. Sold to credit union members through MedicareCU.
- Medicare Part D Drug Plans Prescription drug coverage plans (Part D) offered as stand-alone options or integrated into Medicare Advantage Prescription Drug (MAPD) plans, sourced and enrolled through MedicareCU's licensed advisors.
- Original Medicare Guidance Education and navigation support for the federal health insurance program consisting of Part A (hospital insurance) and Part B (medical insurance) coverage for eligible individuals aged 65 and older or those with qualifying disabilities.
- Personal Medicare Consultation One-on-one guidance from licensed Medicare advisors who help eligible individuals understand their options and select the most appropriate coverage for their health needs and budget, including annual plan reviews.
- Individual and Family Health Insurance Health insurance products for individuals and families, including those transitioning from employer-sponsored coverage to Medicare-eligible status.
- Cancer and Critical Illness Plans Specialized insurance products that provide financial protection against cancer diagnoses and other critical illnesses, complementing core Medicare coverage for credit union members.
- Credit Union Partnership Program A CUSO (Credit Union Service Organization) program that enables credit unions to offer Medicare education, enrollment services, and guidance to their members through MedicareCU's network of licensed advisors, with revenue sharing and joint marketing plans.
Quantifiable outcome
- Over 10,000 members served through the program
- +3 more outcomes
Companies that use MedicareCU
Customer profileNamed customers5 records
Segments2 records
Ideal customer profiles2 records
MedicareCU technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
MedicareCU partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Blue Federal Credit UnioncoreBlue Federal Credit Union partners with MedicareCU to offer Medicare education and enrollment services to their credit union members. The partnership allows Blue FCU to extend their member service offerings to include healthcare coverage guidance during retirement.
- Openland Credit UnioncoreOpenland Credit Union has partnered with MedicareCU to provide their members with trusted Medicare guidance and enrollment support. This partnership enables the credit union to offer comprehensive Medicare resources to members approaching retirement.
- Member Haven Insurance AgencycoreMember Haven Insurance Agency partners with MedicareCU as part of the network of insurance providers and agencies working to serve credit union members with Medicare solutions.
- Rize Insurance SolutionscoreRize Insurance Solutions partners with MedicareCU to provide Medicare-related products and services to credit union members. The partnership combines insurance expertise with credit union member relationships.
- Credit Union Service Organizations (CUSOs)coreMedicareCU operates as a Credit Union Service Organization (CUSO), empowering credit unions to expand services, combine resources, and better serve their members through specialized Medicare and ACA education and guidance. CUSOs allow credit unions to offer specialized product and service solutions while staying focused on member service.
Scale indicators6 records
Recent moves6 records
Expansion highlights4 records
MedicareCU competitors and assessment
Company assessmentDirect peers
- eHealth: Public online health insurance marketplace with major Medicare segment, connecting consumers with Medicare Advantage, Supplement, and Part D plans across carriers. Directly comparable as a carrier-agnostic Medicare broker earning commission revenue, with a far larger digital footprint and broader consumer audience than MedicareCU's credit-union-anchored model.
- Allied Solutions: CUSO-owned insurance and financial services distributor serving credit unions and community banks, offering member insurance products including Medicare. Highly comparable to MedicareCU because it operates under the same CUSO model and serves the same credit union channel, though across a broader insurance product set.
- HealthPlanOne: Private Medicare insurance brokerage that sells Medicare Advantage, Supplement, and Part D plans through carrier-agnostic licensed agents. Closely comparable to MedicareCU in size, business model, and target market, though without the credit union channel exclusivity.
- GoHealth: Public Medicare-focused health insurance broker that operates an independent agency platform and has historically partnered with healthcare providers and other channel partners. Directly comparable in business model (independent Medicare broker earning carrier commissions) and a useful benchmark for MedicareCU's eventual scaling trajectory.
- SelectQuote: Public senior-focused insurance distributor that began in life insurance and expanded into Medicare Advantage, Medicare Supplement, and Part D. Directly comparable as an independent agency brokerage earning carrier commissions, with materially more scale and digital infrastructure than MedicareCU.
Broad incumbents
- CUNA Mutual Group: Large mutual insurance company and CUSO serving credit unions with lending, deposit, and member insurance products. Comparable as a major incumbent in credit-union-channel insurance distribution, with substantially greater scale, capital base, and product breadth than MedicareCU.
- TruStage: CMFG Life Insurance Company and CUNA Mutual's consumer brand, providing insurance and financial products to credit union members including life, auto, and Medicare-related products. Comparable as a much larger CUSO-affiliated insurance provider serving the same credit union member base as MedicareCU.
Regional players
- Connexion Insurance Solutions: Insurance agency focused on serving credit unions and their members with Medicare and retirement products. Closely comparable to MedicareCU in mission and credit-union-channel focus, though smaller in scale and geographic reach.
Emerging players
- Chapter: Digital-first Medicare advisor that provides personalized Medicare plan recommendations through a tech-enabled platform. Comparable in serving Medicare-eligible consumers with unbiased broker services, but positioned as a direct-to-consumer digital competitor to traditional advisor-led models like MedicareCU.
- Healthcare.com: Online health insurance marketplace offering ACA, Medicare, and individual/family plans via carrier-agnostic comparison. Comparable in serving the same Medicare-eligible and pre-Medicare populations with commission-based broker services, though primarily direct-to-consumer rather than channel-anchored.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
MedicareCU social profiles
Digital presenceMedicareCU financial estimates
Financial estimateRevenue estimate
Valuation estimate
MedicareCU leadership team
Management profileNumber of profiles
Profiles3 records
MedicareCU funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MedicareCU 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 MedicareCU
What does MedicareCU do?
MedicareCU is an independent insurance agency operating as a Credit Union Service Organization (CUSO) that delivers free Medicare education, plan comparison, and enrollment services to credit union members through licensed advisors. The company compares Medicare Advantage, Supplement, Part D, and Original Medicare options from 150+ insurance carriers, audits doctor and prescription coverage to ensure compatibility, and provides year-round plan review and optimization support. Revenue is earned through commissions paid by insurance carriers on successful member enrollments, with a portion shared back to partnered credit unions.
Is MedicareCU a public or private company?
MedicareCU is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was MedicareCU founded?
MedicareCU was founded in 2014. It employs 11 to 50 people.
Where is MedicareCU based?
MedicareCU is headquartered in Midvale, United States, in the North America region.
How does MedicareCU make money?
Two revenue lines are on record. Insurance Commission Revenue is the primary driver. The others are credit Union Partnership Revenue.
Who are MedicareCU's main competitors?
Direct peers on record are eHealth, Allied Solutions, HealthPlanOne, GoHealth and SelectQuote. Broad incumbents are CUNA Mutual Group and TruStage. Connexion Insurance Solutions is listed as a regional player. Emerging players are Chapter and Healthcare.com.
Does MedicareCU have an API?
No public API is recorded for MedicareCU.
What industry is MedicareCU in?
MedicareCU's product category is Medicare Insurance Brokerage. Its primary akta.pro industry code is FSAIAGAI, Medicare Plan Administration & Third-Party Services (TPA/BPO, Enrollment, Billing). Its SIC code is 6324.