Are you missing pay? Find out, to the penny.
Your agency’s written pay plan, your own records, every paycheck checked.
- Hourly, per-policy, tiers or seasonal rates (AEP, OEP, SEP)
- Matched or Short, on every paycheck
- The note to your agency, already written
| Pay period | Paid | Status |
|---|---|---|
| Feb 15 – Feb 28 | $1,960.00 | ✔ Matched |
| Mar 1 – Mar 14 | $2,060.00 | ▲ Short $85.00 |
Medicare pay comes in pieces
A short check you can’t prove
Twelve policies, three plan types, two rates. By the time the check lands, nobody remembers which sale paid what.
Rates that change with the season
AEP pays one way, OEP another, SEP a third, and tiers start over. Doing that math by hand every payday is how mistakes slip through.
Chargebacks months later
A policy cancels and money comes back out. Was it the right client, the right amount, and was it ever taken twice?
Were you paid everything you were promised?
Compare your pay with Medicare agents across the country. Anonymous, about 3 minutes, no agency names and no client information. Free pay report after each season.
Licensed in several states? Keep every deadline in one place.
Licenses, CE, AHIP and carrier certifications, with every state's rules built in and an AEP readiness check. Free during beta.
Set it up once. Check every payday.
Copy in your pay plan
Your agency’s written plan: pay schedule, seasons, hourly rate and per-policy rates. The workbook reads it back to you, one item at a time, so you can check it.
Log what you earn
Each sale is a date and a plan type; the client code is already there. Hours, spiffs and chargebacks each have their own short tab.
Match the paycheck
Type the amount. You’ll see ✔ Matched or ▲ Short, with a note to your agency already written, ready to paste into an email.
Every paycheck, accounted for
Real tabs from the workbook, filled in with sample data.
Screens show sample data.
Your plan, not a template’s
Raises and new agencies NEW
A raise, a promotion, a new agency, or two agencies at once: up to five pay plans in one workbook. Earlier paychecks keep their old rates.
Built for privacy
Every sale gets its own client code, already made for you. The code goes in your agency’s CRM, and that’s the only link to the person. No client names, birthdays, phone numbers, Medicare numbers or addresses ever go in the workbook, and nothing connects to your bank or your agency.
Which one is right for me?
Your pay, your taxes, or both.
Best for: any Medicare agent, 1099 or W‑2
- ✓Every paycheck checked to the penny
- ✓Note to your agency, already written
- –Expenses, mileage & Schedule C summary
- –Quarterly tax estimates
- –Paychecks flow into your Income Log
Best for: 1099 Medicare agents who want both
- ✓Every paycheck checked to the penny
- ✓Note to your agency, already written
- ✓Expenses, mileage & Schedule C summary
- ✓Quarterly tax estimates
- ✓Paychecks flow into your Income Log
Best for: 1099 agents who only need taxes
- –Every paycheck checked to the penny
- –Note to your agency, already written
- ✓Expenses, mileage & Schedule C summary
- ✓Quarterly tax estimates
- –Paychecks flow into your Income Log
Every one includes Excel and Google Sheets editions, plus the Personal Income & Expense Tracker free.
Questions Medicare agents ask
I’m paid on a W-2. Will it work for me?
Yes. The Pay Reconciler checks your pay whether you’re paid on a 1099 or a W-2. Medicare Agent Complete adds a Schedule C tax tracker, and W-2 pay doesn’t go on Schedule C, so Complete is for 1099 agents.
I work with more than one agency.
One workbook covers your year. Add each agency as a pay plan with the date it starts. Working for two at once? Pick the agency on any entry dated while both pay you, and each agency gets its own paychecks and its own tier counts.
What if my pay changes?
Add a new pay plan with the date it starts and type only what changed, like the new hourly rate after a 90-day review. Earlier sales and paychecks keep the old rates.
Does it connect to my agency or the carriers?
No. Nothing connects to anything. You type your sales and your paychecks, and the workbook does the math. That keeps your data on your own computer or your own Google Drive.
Can I see it filled in before I start?
Every order includes a filled-in SAMPLE copy, in both Excel and Google Sheets, so you can see how a full year looks before you type your own.
Is this payroll, tax or legal advice?
No. It’s a record-keeping tool that compares your pay with your own records and your agency’s written pay plan. Your agency’s pay plan and records govern your pay, and tax questions are for your tax professional.
Stop wondering. Start matching.
Excel and Google Sheets editions, a filled-in SAMPLE copy, and the Personal Income & Expense Tracker free. Emailed within minutes of checkout.
Choose my workbookAgentLedger workbooks are record-keeping and organization tools, not payroll, tax or legal advice. Screens show sample data.