Senior Benefit Solutions
Medicare information, resources, and enrollment for seniors in the Greater Baltimore area and throughout Maryland.
Contact:
David Wagenheim
Medicare Specialist
Independent MD Life and Health agent
Phone/Text: 443-608-4018
Email: david@seniorbenefitsmd.com

About Senior Benefit Solutions

David Wagenheim
David Wagenheim
CEO and Medicare Specialist

About 10 years ago I attended a workshop for health insurance agents where, for the first time, I was shown in detail exactly how Medicare works. I was shocked to realize that even though I had been a life and health insurance agent for over 34 years, I had (until then) absolutely no understanding of how Medicare is set up or what seniors need to do to enroll correctly. I figured that if I, as an experienced health insurance agent, was totally clueless about Medicare, then the average senior must be even more in the dark. Soon after that, my sister, who is intelligent and has a college degree and has taught herself how to master several complicated DIY home repair projects, shared with me that she felt completely confused and unsure what to do as she enrolled in Medicare. Likewise, a good friend of mine who has a PhD in Education confessed that enrolling in Medicare was one of the most painful and complicated processes he had struggled through in years. That's when I decided to specialize in Medicare enrollments and to help guide others as they navigate the confusing landscape of Medicare. My goal is to help seniors understand Medicare and find the best Medicare options for their specific needs.

I specialize in Maryland Medicare options (every state has different products and rules) and I have come to know the local portfolio of available Medicare products quite well. My goal is to simplify the process of enrolling (or switching) Medicare products for my clients, saving them hours of research and often saving them money as well.

I take the annual Medicare AHIP certification (required by CMS: U.S. Centers for Medicare and Medicaid Services) for agents who wish to write Medicare Advantage plans and Prescription Drug plans.

I understand that choosing one's healthcare coverage is among the most important decisions a person can make—especially in their senior years. I take it extremely seriously that clients rely on and trust my guidance to find the best plan for their needs. I am honored to have their confidence and I do my utmost to find and present the very best plans for their particular situation.

Here’s how I can help you navigate the Medicare landscape:

  • I’m an independent agent with the freedom to work with many insurers.
  • No cost to you if you choose to use me as your Medicare navigator. I am paid a commission by the chosen insurance company (not you) and your premium cost is the same whether you enroll by yourself or with my help.
  • I’ll match you with the best plan (or plans) for your situation.
  • I save individuals significant time (and stress) in finding the right plan as I do all of the research for you.
  • We’ll review pros and cons of each plan together in plain English.
  • I help evaluate senior’s eligibility for programs that lower costs for prescriptions and premiums.

Maryland plans I represent

Medicare Supplement Insurance (aka Medigap)

  • Ace Property & Casualty Ins. Co.
  • Aetna
  • Aflac
  • Bankers Fidelity Assurance Company
  • CareFirst BlueCross BlueShield of Maryland
  • Cigna
  • Humana
  • Mutual of Omaha
  • United American Life Ins. Co.
  • United Healthcare (AARP)
  • Wellabe/Medico
  • and many more.

Medicare Advantage Plans

  • Aetna
  • Alterwood
  • CareFirst BlueCross Blue Shield of Maryland
  • Cigna Healthcare
  • Humana
  • Johns Hopkins Medicare Advantage plan
  • Kaiser Permanente
  • United Healthcare (AARP)